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PCIAA, the powerful Insurance Lobby, at first was adamant in their opposition to the ambiguous, lack of accountability TNC legislation language that Uber crafted. Specifically the fact that Uber demanded "Agnostic" language in TNC legislation, such as on/off duty Uber drivers maintain "adequate" auto insurance without specifying exactly what type of policy Uber/Lyft drivers needed and exactly which insurance carriers were going to provide such a policy. PCIAA's objections are on public record for the Massachussets TNC bill Uber hailed as their "model legislation" they are forcing into legislation with their strong arm political lobby machine.Soon after PCIAA's objections Uber and PCIAA announced they, along with Insurance Underwriters, had reached an agreement on TNC bill "language". It's important to note the semantics here. PCIAA & Insurers never agreed to insure Uber/Lyft drivers. The agreement was in effect to not lobby against Uber. In addition PCIAA started a pro Uber "model legislation" lobby effort. Publically stating that the TNC bills were "imperative" to close insurance gaps. And that the "model legislation" protects the consumer. Yet gaps are not closed and transparent financial accountability isnt assigned. Drivers are 100% uninsured motorists when they turn their app off unless they deny they are an Uber driver. Personal Insurance is void after you complete your first commercial Uber fare.At least 50% of Uber drivers believe their personal insurance covers them because when they apply to drive Uber leads them to believe they are covered. Uber specifically requires the driver to have a personal insurance policy to be submitted upon application. Uber full well knows personal insurers dont cover on or off duty Uber drivers.Why are insurers not complaining or taking action? A combination of basic math and closed door deals. Insurers screen for risk. Yet inexplicably they do not direct screen their policy holders for Rideshare activity. When Uber was in its infancy, had Progressive etc made all policy holders with four door vehicles sign a waiver attesting under penalty of law, prosecution for insurance fraud, and that the driver would have any and all claims denied, that they were not Uber/Lyft driving either A.Uber/Lyft would have shut down because they would have no drivers to predatory price with or B. Lyft would have shut down, rideshare would not exist, and Uber would own dispatch globally earning 20% from worldwide taxi & limo fares. Had Uber stayed on the commercially insured taxi/limo path their investors would have already cashed out and there would be minimal legal battles, lawsuits, and lobby expenses.Personal Insurance companies are perpetuating Uber's personal insurance fraud by not direct screening drivers. Do the math. Insurer plays deaf dumb blind, collect Uber driver premiums, then if a serious loss occurs all insurer has to do is post screen for Uber activity and deny claim. 100% profit. Zero Risk.Insutance Regulators are under major political pressure like in Florida, where they just refuse to pass a ruling, and Attorney General passes to FLOIR who passes to FLHSMV who refuse to issue a ruling. So far no response from The Justice Department or the Federal Trade Commission on systemic insurance fraud collusion.Edit/Add: Its important to note America does not have a central Federal Regulatory Agency that oversees Country wide Insurance Regulation. Not surprising that Insurers and PCIAA plus State Insurance regulators are strongly opposed to any such oversight. Im sure Uber and Lyft can be placed in the "opposed" seats as well.Uber in their own website news stated they would "continue to collaberate" with Industry stakeholders.Uber in a New York Minute could collaberate with personal auto insurers to create a Country Wide "Rideshare Insurance" Policy which would cover their drivers App On/Off. On duty or drivung in "personal time". This simple measure would protect their drivers and the public from an insurance lawsuit nightmare.But then legislators might mandate the 24/7 rideshare coverage on/off duty for drivers. This would kill Uber's "rapid driver onboard" with no additional accountable proof of valid 24/7 coverage. As drivers most likely refuse to pay any additional insurance cost. Or obtain such a policy prior to applying. And that is imperative to maintain Uber's "predatory pricing". This is just one more reason Geico etc have not brought a County wide policy to market. And why "rideshare" endorsements are never available in any state BEFORE Uber's "model TNC language" legislation is adopted.And then insurers continue to collect driver premiums without direct screening for Uber. Only existing drivers aware of their true risk exposure will buy the "rideshare" endorsement. Other drivers ignorant of the need to purchase a "rideshare" endorsement or by character are just unaccountable will simply "hope for the best" and continue to Uber drive under the insurance radar.Why should the public care about this? There is no law that says if an off duty Uber driver hits you your insurance policy will pick up the pieces. BAM.

Whats reasonable? There is already a question of the same sort for What are some creative ideas for a group Halloween costume for one girl and two guys?In some places Nurse Ratchet and 2 orderlies might be a great idea, In others its offensive and inappropriate. Also,,, where in the world are you going to and what is considered “Reasonable”?You dress up as the protest group “Pussy Riot” in Russia and Putin is NOT going to be amused and maybe prison for you!Plenty of examples the Chinese are not amused by either, Korea, Pakistan, India and Iran and many others are not known for having a sense of humor for many topics, Heck my friend Dave had a run in with a Japanese right wing nationalist at a museum in Japan and boy was he hostile! So lets say you confine it to the USA?Would it be grossly offensive to suggest Black Faced Canadian PM Justin Trudeau and his pals? (Im not even going to justify that one with a picture)So, “Reasonable” is such an arbitrary standard. Its actually a concept in the legal system of “What would the reasonable person think/do?” Reasonable person standardSo, I am NOT reasonable and at times considered irrational and Nuking Futs.So you asked, here is some ideas,, Dont like them? Too bad.It all depends on how confident and secure in your own self you are. Can you act it up? Are you brave? Fearless? Immune from ridicule?Dress as corporate Lawyers. Geico Insurance to be specific. Legal leeches that screw over their insured customers and will go to any length to deny a reasonable claim on your policy. (Its true.. they spend all their money on advertising and lawyers to deny claims, so NEVER buy Geico! I didnt know this before but I wish I had,, in the legal community they are known as “The Evil lizard” So the lady dresses up as a cold hearted evil lead attorney and both guys are here emasculated lackey assistants.Wear smart girl glasses, a rocking pantsuit or power suit and exude evil disdain for the clients you are F**King over.Maybe not the young power broker? Well go for the sleazy lawyer look, that works too.I AM a big fan of Nicholson and being from Oregon “One flew over the Cuckoos nest was a great movie that still stands the test of time. Go as Nurse Ratchet and 2 orderlies, Tsk Tsk and carry a clipboard muttering about how everyone is being scheduled for electroshock therapy and a shot of thorazine.If one of your friends can pass off as Jack, even better!But here is something thats going to push your comfort zone a bit. My wife is not big into Halloween and many of our friends push her to dress up and generally she does not like to. So, there is some insane costume parties at Nudist resorts. Does that seem odd? Actually they are quite popular! and people go to pretty extreme lengths to dress up in amazing costumes.Packing for a Nakation at a nudist resort is a whole different situation,,Id post more pictures but they frown on that sort of thing. So the suggestion to my wife is that being averse to costumes she dress up as Puss & Boots. Basically go naked except for some really cool boots.So, put on the boots, take off your inhibitions and go as Puss & Boots, now for your friends? If they can get over the boots and nudity thing…..Then have them dress up as Police or Mental institution orderlies trying to corral you and take you into custody, to the rubber room or what ever. Really ham it up, Yell at people “Im Puss & Boots!” Have them yell “Crazy lady,,! Time for your meds!” and a big net, or a big syringe and chasing you around. Ham it up,,, act it out. Have some fun.Now if this is for a workplace party, you are on your own.. but not insignificant that employees might go nuts at any time so who knows? Just dont call me to bail you out of jail.

Can't say anything for certain, but what I do know is after having dealt with GEICO in several accidents (other driver had Geico ins) they will do everything in their power to not honor the claim. They are notorious for stonewalling, denying, closing claims and making you force them to reopen, and just generally playing the biggest game of hardball you've ever seen. Good luck.