I really don't get the whole "insurance" argument. I take cabs in China all the time, where you can basically make money off putting a rototiller on the road in Beijing and haul people around. I've never once stopped to ask if they were insured, and really I don't care. I need to get somewhere, and that jalopy with 3 wheels is the only option right now. Over 15 years of doing it, and I still have all my limbs intact.
Yes, I live my life on the wild side. Total bad ass because I get in an Uber car that is new, clean, has 4 wheels and runs, and even if it barely passed a safety inspection 10 years ago I still would use it. Guaranteed it's no worse than my 1972 Toyota Landcruiser that ran on purple farm gas.
Like I said, I'm a total bad ass