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That's what insurance is for. I don't know about US, but in my country, India, every ride is insured by law. See [1].

This is definitely not the first accident inside Uber cab in New Jersey, and they should look into past examples.

[1]: https://www.uber.com/en-IN/newsroom/uber-insures-riders-in-i...

The insurance exists mainly to discourage customers from making an informal deal with the driver so Uber loses its cut.

And only came into being after Uber started getting significant backlash for implying heavily that your personal insurance would cover you when you are performing work-for-hire.

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