Road Hazards 0
Back in my younger days, I had a friend who hacked in Northern Virginia and D. C. for several years.
While he was hacking, he had only one accident. He was driving his personal car; a cab owned by a rival cab company (both companies were owned by the same person) ran a light and broadsided his car.
Driving a cab can be a pita, but he did not encounter anything like this:
She was unhappy that the driver did not permit food in his cab, so she divested herself of it.