What exactly is the issue here? How is this different from her being struck by any other car/driver?
I'm not sure what the laws in the US are like, but in Germany that would already be covered by the mandatory insurance every car needs to have, before being allowed onto the streets.
One of the problems with UberPop is that people use their regular private insurance that does not cover commercial activities. I'm a bit uncertain on what the result would be - I think the victim would still get paid, but the insurance would recover the costs from the insurance owner. Still, that's not legal.
I'm not sure what the laws in the US are like, but in Germany that would already be covered by the mandatory insurance every car needs to have, before being allowed onto the streets.