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NO, It's actually the insurance company in this case I believe is running or trying to run the scam .... For them to attempt to deny a person or actually deny coverage to a person driving to an area where a passenger pick up is more likely would be akin to them denying a person coverage while...

When carrying passengers Uber's commercial passenger insurance takes over ..... When NOT carrying passengers the regular passenger insurance takes over... The gray area is when drivers are drivers are driving "looking' for passengers ....some personal insurers call this commercial use and may...