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Honestly, that entitled attitude is another reason you aren't getting in my car. Using any ride-sharing service means you are entering a legally binding contract. You can't do that till 18.
Nope, in the event of an accident, if the driver is not following the TOS, who do you think is now responsible for damages? Uber or Lyft? Nope, you both weren't following the TOS. Your insurance? In most cases, they will argue no and likely win. Then who's responsible?
Never worth it, same as breaking car seat laws, just don't do it.