And don't forget, your parents are still subsidizing your insurance... and those tickets don't show up on your record for at least 6 months, if you go to court!

> it made sense as a side job

Sure... until an accident happens, you find out that your insurance didn't cover the (undeclared) use for business purposes, and you're liable for somebody's million-dollar medical bills.

You can't get blood from a stone. Or in this case money from a minimum wage pizza delivery driver now without a car.

Curious as a non-US reader to see what your fear is in this scenario: financial problems

Not sure where you're from but if you're uninsured and cause an accident in France you're basically fucked. If you injure (yourself or someone else) or destroy public/private property you will have to cover it yourself. Many people end up paying hundred of euros per months for decades if not for their entire life.

I'm guessing he would be more concerned about dying or sustaining irreparable physical harm...:-)

In the US, we often has uninsured driver coverage. If the other driver has no insurance, our own insurance will cover us and then go after the other driver. But if they have no assets they are probably not worth going after as court cases cost money.

That sounds absolutely crazy. Nordic country. You may have to pay damages, but it would not be hundreds of euros for decades, that's just entirely unreasonable.

In Sweden that would be a real possibility if you do not have adequate insurance. Say that you cause 200 000 kr in property damage by wrecking someones car beyond repair. The owner or their insurance company can claim that money from you, and if you cannot pay in cash you are now in high interest dept where The Enforcement Authority (Kronofogden) can take money straight from you account on a monthly basis to pay off said debt. If you are a low wage earner you might never pay it off.

How common is it for French insurance companies to find a way to get out of paying, when a driver they cover gets in an accident?

For any serious accident there will be an investigation to determine is the driver was meeting the insurance conditions. (did he have a valid license, did he take drugs/alcohol, was he on his phone, was the vehicle modified, &c.)

Which problem are you thinking of?

Has this ever actually happened? Or is this more of a fear-driven thing that everybody just says?

I'd bet money that the insurance company is still on the hook to cover it, but they'll be super quick to drop you.

Happens a lot for small stuff: https://www.nbcphiladelphia.com/local/pizza_delivery_insuran...

Not so sure about someone getting saddled with someone elses medical bills.

You would bet money that the insurance would cover it instead of finding a way out of it? What makes you so sure about that? There are examples of homeowner's insurance not covering issues caused by renting on AirBnB, so I would be surprised if motor vehicle insurance was any different.

So your point is, call your insurance company such that you don't commit insurance fraud? I'm struggling to see your gripe.

Most Uber drivers I know do it full time that is a side job like pizza delivery kids. The difference is I think people think Uber is a full-time job.

This only works if you have a baby boom. Currently there are very few teenagers in the west compared to the 60s or 90s.