Doesn't any passenger in a car have the right to claim off your insurance if you have an accident? Isn't that part of the reason why we have insurance?
I knew someone once who had an accident while taking her daughter to school. The drivers sister made a claim off the mothers insurance on behalf of the daughter. The passenger (the daughter) sued the driver (the mother) through the aunt. Big money was paid out for facial injuries.
My advice - be careful, be very careful, unless its regulated you don't have a leg to stand on against claims. That's why taxi drivers have public liability insurance as well.
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