The insurance issue is interesting. Most personal auto insurance will not cover claims when the car is being used for professional services, like being a taxi, as you would need a commercial policy. Real estate agents know about that.

However, Uber and Lyft provide a $1M policy if the driver's insurance denies coverage (which is pretty much guaranteed) and unlike commercial taxi policies, they also provide Uninsured Motorist coverage, to cover when the car that causes the accident isn't insured.