All drivers have to have insurance under existing state law, you rubes. Perhaps it's not the amount the legislature wants for uber drivers, and it is almost certainly less than required by cab services (another discussion on how fair competition is). I can't even imagine the backlash and accusations of racism if kansas tried to enforce mandatory "state minimum insurance ID check".
I don't see how the bank should have any say in the matter, and they certainly shouldn't be able to take IC cars as collateral for uber debt. If the driver's borrowed to buy their car, that lien is already on the title.