Quick answer
Additional owners, employers, platforms, public entities, or policies may be involved.
Do now
Preserve trip receipts, app details, vehicle information, driver status if known, and witnesses. Identify whether transit or another government entity is involved. Seek timely help about insurance and evidence preservation.
Watch for
App screenshots or logos alone do not establish who is legally responsible. Government notice requirements and commercial records can require prompt investigation; do not rely only on the driver’s personal insurance information.
Official sources
NJDOBI — Auto Insurance Consumer Information, NJ Treasury — Tort and Contract Notice, NY Legislature — General Municipal Law § 50-e, DC Code § 12-309.