Comments by "SmallSpoonBrigade" (@SmallSpoonBrigade) on "Uber Driver's Insurance Won't Pay for Her Accident" video.

This is also why it makes sense to get an insurance agent. If you're just getting insurance for personal uses an insurance agent is probably overkill, but an insurance agent can answer questions about what is and isn't covered and if they're an independent agent, they probably won't even mention it to the insurance company unless it's a question on the forms.
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Yes, in general that's what exclusions are about. They could offer an insurance policy that covered basically anything that could happen to the car, but it would be extremely expensive and probably similar in cost to the price of a similar car. So, they exclude a bunch of things which allows people to actually afford the car and in exchange it isn't covered for things that the driver probably isn't going to do in the first place.
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And if he got caught doing that, it would be free room and board in one of the government's hotels with the nice grey bars and free clothing.
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Part of it is that insurance in the UK probably doesn't need to cover hospital care as the health care trust presumably picks up the tab on that. If you think about it, treating injuries, and deaths, are the biggest possible payments that an insurer has to make. If it's just deaths, then you're looking at the cost of repairing/replacing cars and fixing property damage.
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@JustBenInLA Yes, but in this case Uber likes to pretend like the drivers are independent operators even though the drivers aren't required to have their own business licenses and don't get to make any meaningful decisions about how to run their "business" other than which hours they want to be available for.
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I do think that companies should be legally barred from calling it a "delivery fee" unless it goes to cover the actual delivery drivers and related expenses. Otherwise that's shady and possibly fraudulent.
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That depends a lot on where you are in the country, how old you are and what kind of car you're driving. As well as what your deductible is and what your personal driving record is like. Drivers in some parts of the country just expect to have an accident every few years because of how reckless the drivers are.
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The thing is that they don't care and the more they set standards the harder it is for them to claim that these drivers aren't employees. The company didn't care about 0% of their drivers having appropriate coverage when they started and the only reason they care at all is that it looks bad when customers are injured and there isn't any insurance.
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You may believe that, but very few people would be able to afford such a policy. Sure it sucks for this woman, but if you read the terms of the insurance whether or not this kind of use is covered would be in there somewhere.
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Which works out fine as long as they don't ask too many questions or subpoena your phone. At which point you'll likely get free room, board and clothes and the local government run hotel. Only catch is that you can't leave for quite some time.
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