OP was referring to passengers, not pedestrians. In the case of pedestrians, the liability depends on who owns the street. It the street is owned by the munici

OP was referring to passengers, not pedestrians. In the case of pedestrians, the liability depends on who owns the street. It the street is owned by the municipality for instance, it may require cars to have civil insurance. This has nothing to do with whether or not Uber drivers are employees or contractors.