agarjogger posted:

I have excellent insurance with huge limits, but why even bother pointing that out if, as you say, it won't ever help me if I get in a wreck. The fact is Uber drivers have been in plenty of accidents on and off the clock, and almost all of their claims have gone through. Yes it sucks to be paying so much for a policy that could be so easily invalidated. Once I know I'll be making enough money to pay the premiums, I will look into commercial insurance. But I'm not even sure policies yet exist that could be sold to an Uber driver.

I understand completely the risk and the fact that this is a bad financial deal for the vast majority of drivers. But I have no skills, just an asset, and I need to be converting that asset to cash now to keep a roof over my head. You might, appropriately, advise me to sell the car and use the money to keep bills paid and go to trucking school. But I have a fun job and a sweet car, and it would be loving tough to give that up for something which is much worse everywhere but on a spreadsheet.

e: Honestly though, when I'm keeping the doors locked for a few extra seconds to make sure the passenger doesn't open one onto a bicycle. Yes I understand this is loving precarious, and I'm be totally happy to do this for five months, and then quit and be able to finish college on the income.
I understand this is the financial forum and I am making a bad financial move by driving for Uber, because of the liability. But every day I am gaining confidence and basic job competence, which I will use to finish college and/or acquire skills. I was honestly an e/n poster incapable of any of that before I started driving.