Anyone using their own vehicle uninsured for commercial use is not going to be worried about getting sued. They likely have little to sue for and the attorneys would go after the big fish. And if the 'employer' is putting a lot of restrictions on the driver, then he is an employee, and the attorneys and courts know this already. It is only the poor sap who doesn't know. I fought and won twice for employee status when the employer said I was a contractor and won both times. and after I won against fedex, was asked to join the class action suit, which was also won, with a ruling from the courts, and instruction to try to settle damages out of court, which the attorneys did. But the case was won in court on a personal level, that applied only to me BEFORE the attorneys got involved and made it a class action. It isn't that difficult to prove employee status if it really exists.