[crack-the-code]

It's worth noting that insurance companies require a relatively substantial fee for Uber drivers yet most of the people driving don't report being drivers to insurance companies. I am not sure if this study accounts for this.

[frgtpsswrdlame]

Yes but if you're in an accident and the insurance company finds out you were Uber driving they will deny your claim. In that scenario you're out the cost of the accident and all the insurance payments you made. Spread that concentrated risk across the whole population of Uber drivers and you'll get the same result.