the insurance is in case there's no other insurance. the problem is $100K they are going to provide is peanuts. it will not protect you if you are in a wheelchair, or if you lose two years of work and need several operations. you need a MUCH higher limit on the insurance, like a million or more. THEN 99% are protected. to actually "insure" everyone you need insurance that's got a three million dollar limit. then 99.9 %are fully protected. these super high limits aren't that much more, either. I got one for three million, an umbrella, it was only a few hundred a year. of course a person giving rides all the time would be charged more, but if they have to pay $2K a year so be it. THAT's where we should come down on them and also make the same high limit apply to taxis, too. and btw, why not all drivers? these little tiny policies of $100K and $300K work for 80% or 90% of all cases, and should work for 99.9% of all cases. this is why it's called inSUREance. with the low limit, it's inMAYBEance.