Not so sure
I believe the poster was talking about private villagers operating as livery drivers on occasion, for extra income. Yes, they probably have auto insurance (like you and I do), but most auto policies have an exclusion if the vehicle is being operated as a livery service and is not insured as such with a commercial policy.
Talkhost is correct in that if there was an accident, the operator's insurance company would likely deny coverage if they found out the vehicle was being used as a "for hire" enterprise. And that's one of the questions an adjuster is supposed to ask. They'd also ask the relationship to the driver of any injured passengers. Many factors could trip a more extensive investigation. That's not to say it couldn't slip by, but it's a big chance to take. It's possibly your own coverage would then kick in, but who wants to go thru this kind of hassle?
This is not to say there aren't villagers doing this who do have the proper commercial policy - I have no idea.
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