On the far a few times I have traveled I always use marked cabs. When I go back to visit friends and family in NYC I use yellow cabs. I have never used Uber/Lyft etc and never will. Yes the drivers may be nicer, their vehicle nicer but I don't know how much, if any, insurance these private citizens have. To ne it's more peace of mind that a taxicab company would have the necessary commercial insurance in the event something happen.