Just a thought, not a lawyer.. If you hire a private driver to take you to the airport and you are injured in an accident it seems likely that the driver's insurance company would refuse to cover your injury unless they bought commercial insurance. Companies like Uber provide their drivers with coverage while they have a passenger as they recognize that the driver's personal coverage is not enough.
If anyone reading this provides ride for hire service to MCO I'd be interested in their knowledge about this concern.
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Men plug the dikes of their most needed beliefs with whatever mud they can find. - Clifford Geertz
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