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Originally Posted by RougeUnderoos
If I'm in a cab and the cabbie causes an accident and I get hurt, the cab company's insurance company is going to look after me?
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Yes
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If I'm in an Uber and the Uber driver gets in an accident and I get hurt, I'm on my own?
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No, you'll be covered by Uber's insurance.
The insurance issue is that the Uber driver is completely uncovered (unless they lie to their personal insurance company) in an at-fault accident when the app is on but there is no passenger in the vehicle. Even with a passenger. the driver is not covered by Uber's insurance for personal injury and damage to their vehicle.