Actually they usually do have insurance. The slight problem will be that it's probably invalid for the rather more common reason why they're likely to be bent.
The only way to make money doing that job is to run the
taxilift-share 24x7 while using one account, one insurance payment, etc.
Thus the driver is quite likely not to be the guy listed on the license he's carrying or the taxi permit, just someone who looks a bit like him to a cursory inspection in a bad light.