A product for this exposure already exists. It’s called a Business Auto Policy. If you want to use your auto for commercial purposes, insure it that way. If you want to drive up personal auto policy prices, then mandate personal auto insurers to provide this coverage by endorsement. People foolish enough to pick up strangers or allow a stranger to operate their autos need to insure that exposure commercially.
A product for this exposure already exists. It’s called a Business Auto Policy. If you want to use your auto for commercial purposes, insure it that way. If you want to drive up personal auto policy prices, then mandate personal auto insurers to provide this coverage by endorsement. People foolish enough to pick up strangers or allow a stranger to operate their autos need to insure that exposure commercially.
This type of risk is a taxi service. It should be licensed as such, and insured as such.