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FILE - In this March 14, 2014, file photo, Jerad Bernard hands out cards to passers-by offering one free ride through the Lyft ridesharing service in Seattle. Utah officials are warning smartphone users to check their insurance policies before tapping into ridesharing apps. The Utah Insurance Department says drivers for companies such as Uber and Lyft, who use their own vehicles, should also consult whether they would be covered in an accident. (AP Photo/Elaine Thompson, File)

FILE - In this March 14, 2014, file photo, Jerad Bernard hands out cards to passers-by offering one free ride through the Lyft ridesharing service in Seattle. Utah officials are warning smartphone users to check their insurance policies before tapping into ridesharing apps. The Utah Insurance Department says drivers for companies such as Uber and Lyft, who use their own vehicles, should also consult whether they would be covered in an accident. (AP Photo/Elaine Thompson, File)

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