The insurance fee is a transparent cost that CAR takes on to insure the Driver and the Rider during all three phases of the ride. Phase one is when the Driver is waiting for a ride request. Phase two is when the Driver is on the way to pick up the Rider. Phase three is when the Driver has picked up the Rider and is on the way to the drop-off location. When we give an upfront price estimate, the insurance fee is included and will appear as a single line item on the receipt.