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You say "I don’t care that I have no insurance so if there’s an accident I will have to pay your medical bills out of my own pocket along with damage to my car."
Some insurance companies will pay, Geico for example will not. Commercial insurance sounds scary and expensive, it's not and will cover you the best if you wanted to do that.

The question to be answered is: Is it legal?
 

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There's no commercial license (there are always exceptions) and you don't need commercial insurance. You need to ask your insurance agent if you are covered if someone pays you direct, it wouldn't hurt to ask if they can foresee other possible complications like going out of state.

Anybody want to chime in if it's legal to approach riders this way?

We also know that the apps listen to our conversations. If you want to test it, start talking about being mugged during a ride or other sensitive topics. You will be logged out after the run and asked to provide your DL or SS number to log back in. Or, when you logoff it will ask you about your feeling of safety when driving for Uber/Lyft.
 
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