Commercial drivers need commercial insurance.

In Germany the driver would have regular insurance, unless they're working for a cab company when they'd have commercial insurance.

The US situation is a bit more complicated because of liability - is the driver liable? Or the driver's employers?

One of the problems with UberPop is that people use their regular private insurance that does not cover commercial activities. I'm a bit uncertain on what the result would be - I think the victim would still get paid, but the insurance would recover the costs from the insurance owner. Still, that's not legal.

It is covered by the driver's insurance. According to the victim's attorney, they offered $15000.

Yes, silly family to cross the street in front of an uber car between rides before they got insured for that. They should have known better.