Uber and other ride-sharing services do not view their drivers as employees. Drivers with Lyft are regarded as independent contractors. Lyft drivers transport customers in their personal vehicles. The taxi company owns the cars that cab drivers drive. While some of these taxi firms just rent their taxis to the drivers, others employ their drivers as workers. Commercial insurance is essential for cab drivers. Only their own personal insurance is available to Lyft drivers. However, while the driver is utilizing the app, Lyft does offer coverage for injuries and property damage in Lyft accidents. Thus, Lyft accident lawsuits differ greatly from taxi accidents.