You need to learn about "hurd immunity".
Can I use Linux immunity instead? That one is taking too long.
You are still removing the freedom that someone has of not needing an insurance in their situation. A taxi driver needs insurance because the passenger can't depend on the driver for that, but a regular driver can decide if he thinks he can deal with the risk. Someone taking a ride with his friend should know his friend well enough to avail the risks himself.
I have been to places where driving blindly by GPS would lead to accidents or bad neighborhoods. Also, drivers that follow GPS blindly tend to be slower or to drive worse because their eyes are on the map most of the time instead of the road. I wouldn't discard city knowledge so quickly the same way I don't discard arithmetic. It's still good to know how calculations work because you might have mistyped that number and a basic knowledge would show that the result doesn't make sense.
If I have not seen so far it is because I stood in giant's footsteps.