I am forced to treat the people who cut my lawn and clean my house as employees, according to tax law, for funding unemployment insurance among other things. But Uber's labor force, without which literally the company wouldn't exist, are not eligible for the same benefits. The logical next step is that the company has no liability for anything that happens to you in one of their cars.
If I for some reason had an estate that required employee Lawncare this would be different and I would hire someone.
There’s a definition from the IRS in the US for employee and contractor that’s not exactly black and white but has many tests for who is an employee vs contractor.