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Being hurt as an Uber or Lyft passenger can feel confusing for one simple reason: you were not driving, but several insurers may still argue about who should handle the claim. The best early steps are practical. Get medical care, save the ride details, identify both drivers, and preserve any video before it disappears….

A passenger injured in an Uber or Lyft crash usually did not choose the route, control the vehicle, or cause the collision. That does not mean the insurance claim will be automatic. Several insurers may open files, and coverage can depend on exactly what the rideshare driver was doing in the app when the…