If consumers don't drive to get their food, over time their insurance should come down. It should come down more since a restaurant delivery driver can make mu

If consumers don't drive to get their food, over time their insurance should come down. It should come down more since a restaurant delivery driver can make multiple stops on one optimized route vs a customer just going to the restaurant and back, but once you factor in how much more dangerous scooter delivery is vs car maybe this doesn't hold up.