You should care. Uber has lobbied in my state to not be classified as a taxi (or common carrier), and their drivers are classified as independent contractors. They were able to successfully lobby for this classification by guaranteeing a $1,000,000 liability insurance policy for injury caused by their drivers.

If your injuries due to driver negligence exceed this amount (which is very possible if you are severely injured and become disabled for the rest of your life, unable to work), you have no recourse. You cannot currently go after Uber because they are not classified as a common carrier. You are screwed.