Originally Posted by
tandempower
Who buys the cars for a car-share? Who buys them for a rental car franchize? Who buys them for a delivery service?
I think the ride-share app has requirements for drivers. If driver's a privately insured, then they would just have to have insurance that allows other drivers to drive their vehicles, maybe because those drivers are also insured with the same insurance company, for example.
Rental car franchises and delivery services are companies. They buy vehicles, rent them to people who meet certain qualifications and who are willing to pay a decent amount of money up front. They have special business insurance on everything and probably quite a lot of insurance.
Go rent a vehicle ... you'll begin to understand what happens during the rental process.
With private insurance, you can set it up to allow other drivers to drive, but often your insurance plan won't allow just any other driver to drive ... it will be designated drivers like both partners in a couple. If you allow just anyone to drive, I would imagine insurance prices would rise.
You see ... people who own things often have an increased desire to protect those things. If a person has purchased a vehicle and put a sizeable sum of money into the vehicle, chances are they want to take care of that vehicle so that their money wasn't wasted.
Whereas, if the vehicle is just something that you're going to drive from here to there and someone else owns it ... why bother taking care with that vehicle?
Originally Posted by
tandempower
The same reason you talk about deliveries that involve motor vehicles: because there are times when you might need a ride because you don't own a car.
We have our groceries delivered. We don't drive to the store, take up a parking space and drive home again along with hundreds of others. Instead, one delivery vehicle does a planned and efficient route to everyone who is having their groceries delivered.
With delivery, we don't need to drive, own a vehicle, worry about insurance, etc.