Has anyone asked their passengers for car insurance reimbursement, in addition to gas?

Typically, people only split gas, but has anyone asked to split insurance? my auto insurance is $3300 a year, which is $9 a day. Quite pricey. whenever i drive my friends or family by their request, they always give me more than enough to cover the insurance, gas, wear and tear, etc so i've never had to ask.

Typically, people only split gas, but has anyone asked to split insurance? my auto insurance is $3300 a year, which is $9 a day. Quite pricey. whenever i drive my friends or family by their request, they always give me more than enough to cover the insurance, gas, wear and tear, etc so i've never had to ask. but has anyone else?

Other answer:

The Fury:
Who are you talking about here? Friends and family?

Unless you have a formal car pool situation setup, where you would factor in all expenses associated (wear and tear, insurance, registration, etc) in addition to gas, then this would already be addressed.

If, on the other hand, you are charging your friends when you give them a ride, gas money is just fine. Are people really calculating the mileage and associated fuel usage?

If you are receiving compensation for transporting passengers in any way other than a carpool, you are a for-hire vehicle (even if only for friends and family) and your personal auto policy would deny coverage in the event of a claim while transporting passengers for a fee. Uber has this same problem, with people using their personal vehicles and not informing their insurers of the commercial use.

babyboomer1001:
Your bad driving record should not be imposed on others. That is an insane – triple insane amount to pay annually. Generally, the cost of gas usually includes everything else. We just say gas because who is going to sit there and say, this much is for gas and this much is for insurance and this much is for registration, this much for maintenance/wear and tear and – $$$$$ extra because you're a lousy driver. In fact, for the risk, you should be paying them.
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Bob:
It is not appropriate to ask them.
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