Insurance argument is a red herring because people who drive cars are already required to have insurance, irrespective of Uber. We are talking about some speci

Insurance argument is a red herring because people who drive cars are already required to have insurance, irrespective of Uber. We are talking about some special form of insurance on top of that. Uber can actually either self insure drivers or get very very cheap insurance for them because they know who the good drivers are.