True. Any point along the timeline is an instantaneous assumption of risk, but over time . . . a shorter thread is less risk. That is why a few companies are discounting by mileage. The single-driver vehicle will put on half the miles of a 24/7 taxi, statistically and realistically. This is an innovation, and business and government must respond to this new market. As far as 'lying,' . . . each driver would have to purchase insurance, so that may take into account one car shared by another driver, but that is pretty easy to find out, the plate and VIN numbers . . . Meanwhile, Uber drivers are locked into the Uber app which is a Vertically Integrated Monopoly. They deserve full commercial insurance at half the 24/7 fleet rate.