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This is a great point: Who's insuring the ride? [..] Lyft/Uber certainly wouldn't owe anything for stuff booked outside their platform.

Most drivers have a "Rideshare Rider" from their auto insurance provider...but not sure if it extends to off-service rides




Your standard auto insurance is not going to cover using your car as a taxi. It will have to be disclosed, and you will pay for it.

The calculus is simple: liabltiy has increased and you have responsibility due to the commercial transaction.




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