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Conversely, ridesharing operates on a layered insurance model that depends on the driver's app status (whether they are waiting for a ride, en route, or carrying a passenger). This gray area has historically led to protracted legal disputes between personal auto insurers and corporate platforms, leaving passengers caught in the middle. Taxi insurance offers absolute, uninterrupted coverage from the moment the door opens to the moment the passenger exits. Fleet Standardization and Environmental Impact christy marks taxi better