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Sender protections?

This app seems like it is designed more to protect Drivers than senders. You run our CC As soon as we accept a driver, and you provide limited info on the driver other than that they passed your background check. What is required to pass those checks? What happens if a driver just steals our stuff? You publish the insured value for everyone to see so if I'm paying someone $150 to deliver something worth $2,000, there are people out there who would just walk away with the valuable item. Your "claim" process is not well described and even though I purchased extra insurance, nothing confirms that theft is covered. Also, why should I pay for the additional insurance when I'm relying on your vetting of honest Drivers? That should come out of the 20% that you keep.

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