Okay, is Doordash a TNC?

Their contract with their drivers states:

CONTRACTOR will maintain current insurance, in amounts and of types required by law to provide the Contracted Services, at his/her own expense. CONTRACTOR acknowledges that failure to secure or maintain satisfactory insurance coverage shall be deemed a material breach of this Agreement and shall result in the termination of the Agreement...

They require proof of a Personal Auto Policy to deliver for them. Is this what is required by law because they provide insurance or is full commercial coverage required before their insurance is able to kick in for anything above and beyond what the contractor's insurance will cover?

Is this (requiring proof of a PAP) actually fraud to convince the drivers that they are covered by the coverage that Doordash provides or are the drivers actually covered with their PAP and DoorDash's commercial coverage?

Nobody seems to have a clue and it is damn sure than no Dasher can afford to hire an attorney to sort it all out and finally make some sense of it. If "amounts and types required by law" is a commercial policy, why do they demand proof of a PAP?

I'd guess that 50% of their 400,000 workers think they are insured by Doordash since Doordash advertised their insurance to their drivers so much and because the driver provided Doordash the proof of insurance that they requested at sign-up.

I'd guess that the other half simply have no idea what is going on and are in desperate need of money and can't afford to try and figure out what the hell is going on.

This whole thing seems to be fucked from top to bottom. How do the hundred thousand pizza places in the US get away with having employees that are effectively uninsured?!

As I asked in OP, is there no insurance regulatory body that should be addressing these issues?