Question: In the relationship between drivers and Uber or Lyft , which party is the agent? the insurance companies that insure the Uber / Lyft drivers

In the relationship between drivers and Uber or Lyft, which party is the agent?
the insurance companies that insure the Uber/Lyft drivers
the drivers
competing transportation companies (such as the local bus service provider)
Uber or Lyft
In the relationship between drivers and Uber or Lyft, which party

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