Generally speaking, no. The supplemental insurance provided by rideshare car companies to their drivers in Chi-town broadly covers all injuries and harm caused by an accident. So, you do not need to have been the rideshare driver’s passenger to benefit from it. In fact, the rideshare driver does not need to have had a passenger in the car at all for the insurance to apply. As we described above, the extra insurance covers victims of a crash that happens when the driver is logged in to the app, albeit at different levels depending on the driver’s status.