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An Uber driver in the early-morning rush in the financial district of San Francisco.
An Uber driver in San Francisco, May 14, 2017. Uber drivers on July 12 won a tentative victory in their long-running legal battle to be classified as employees rather than independent contractors after a federal court gave conditional certification to a class-action lawsuit by several Uber drivers that was brought under the Fair Labor Standards Act.
CHRISTIE HEMM KLOKā€”The New York Times/Redux

On a recent summer evening, I was out for a jog in the Upper East Side of Manhattan, and the perhaps-not-entirely-unexpected happened: I was hit by an Uber driver while crossing the street.

I'm fine, thanks for asking.

But after a few other pedestrians and I were done yelling at the driver, I couldn't help but think about what would have happened had it been a more serious accident. What would my health insurance cover? Could I sue Uber or the driver for damages?