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Uber claims drivers are not employees of the company. They call those who serve as drivers “partner drivers” in an attempt to limit the company’s exposure to risk, among other reasons. The laws regulating Uber drivers vary from state to state. The legal questions regarding liability are even more complicated.
In most cases, when a person seeks insurance coverage, they are asked if they plan to use the vehicle to provide transportation services on a part-time basis. This questions ensures the correct policy is purchased by the individual.