Now that Uber and Lyft are public, their inevitable financial collapse is much clearer

Getting insurance without owning a car is so rare in the US each time I’ve asked insurers about it they either haven’t heard about it or say not to bother, though apparently not all car rentals even come with the minimal coverage that Car2go was supposed to have. AAA is about $150 a year for very basic non-owner policy for people with a clean DMV record. Not sure it would have even helped in your case unless you upped the minimum coverage. And you have to only drive occasionally to qualify for such a policy.

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