I'm sure you've run into this if you're an XL/Plus driver. You arrive for an X or Lyft ride and when they see your vehicle suddenly they have more than 4 passengers. In the past I would take the ride and email to have fare adjusted. I stopped doing this for two reasons: 1) Emailing Lyft for fare adjustment is a pain in the arse, especially on Sundays. Also the pax could always say they didn't have extra passengers and I doubt the company would side with you unless you have dashcam or photos. 2) Insurance. In my experience claims investigators are looking for any excuse to deny a claim. I imagine being hired for 4 passengers and accepting more without switching to Plus or XL would be a good enough reason. Until now I haven't been sure, just suspected. I haven't heard back from Uber but Lyft suggests cancelling and having pax reorder properly. My only issue with that is I have definitely had issues with a pax being in my car requesting me and the ping going to someone 10 minutes away. But with the risk of no insurance coverage I'm just going to stick to "I can take 4 and you can have a friend sign-up with a free ride code to get the rest of the pax or you can cancel and re-request, hope it comes to me."