Not necessarily an employer/employee situation. It's most llikely an independent contractor issue. My lawn service people, painters, handy men etc. aren't my "employees". The mere fact you hire someone to perform a task for you does not grant them "employee" status under the law.
Florida has ridiculous minimum auto insurance financial responsibility laws. In order to be "insured" under the Florida mandatory insurance laws, you must have a minimum of $10,000 in personal injury protection (PIP) and $10,000 in property damage liability coverage. Amazingly, there is no requirement to have any bodily injuy liability coverage.
So one can comply with the state insurance requirements and still be underinsured or uninsured for most occurences.
I question your statement that "the majority of part time people who offer rides for hire are uninsured..." How did you come up with that premise other than pure speculation on your part?
So next time we get in a taxi, Villages tour bus, etc etc we need to go through the livery vehicle checklist from the state of New York? I doubt it.
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