* Driver is hopelessly lost and stands no chance of getting to the destination
* Driver has no idea how to read a map
* Driver is obviously very inexperienced and can’t handle the chaotic traffic
* Driver is obviously too tired to drive safely (or reach the destination in a reasonable timeframe)
* Driver is too hungry to drive/read map/think at all (common in the afternoon during Ramadan)
* Driver is obviously high on meth or drunk (especially in Indonesia where there are no laws against driving under the influence)
So I told him to either end the ride or follow my verbal instructions, basically take the side street up to the next freeway onramp. Once he got there, he completed the rest of the ride successfully.
Car insurance usually handles borrowing just fine.
You can end the sentence here. If there already wasn't proper insurance, then switching drivers is not the problem.