Las Vegas Uber & Lyft Accident Lawyer

In short: after an Uber or Lyft crash in Las Vegas, the first legal question is usually which insurance was in force at that moment, because Nevada sets different minimum coverage depending on what the driver's app was doing. Clark Law Group, PLLC can help identify the app phase, the responsible driver, and the policies that may apply, whether you were a passenger, another driver, a pedestrian, or a cyclist. Consultations are free. On personal-injury matters, you do not pay an attorney fee if there is no recovery. Call 702-330-3272 any time, 24/7, or contact the office. Contacting the firm does not create an attorney-client relationship.

Which insurance applies after an Uber or Lyft crash in Nevada?

It depends on the app phase. With the app off, the driver's personal auto policy governs. Logged in and waiting for a request, Nevada requires at least $50,000 per person, $100,000 per crash, and $25,000 for property damage. From accepting a request until the last passenger gets out, the minimum is $1,000,000 (NRS 690B.470).

Nevada calls Uber and Lyft "transportation network companies." It regulates them under NRS Chapter 706A and sets their insurance rules in NRS 690B.470 and the sections around it. The table below sets out the statutory floors.

These are minimums, not a measure of what a claim is worth and not a promise that any policy will pay. The required coverage can come from a policy bought by the company, by the driver, or a combination of both. If the driver's own coverage has lapsed or does not provide the required amounts, the statute requires the company's coverage to respond. A company may carry more than the minimum, and a policy may, but is not required to, include uninsured or underinsured motorist coverage. What is actually available in a given crash depends on the policies in force, the facts, and how the claim is handled.

Does the $1 million coverage start before the passenger is picked up?

It can. Nevada defines "transportation services" as beginning when the driver accepts a ride request through the app and ending when the last passenger fully gets out of the vehicle (NRS 706A.060). On that wording, the highest required coverage can apply while the driver is still on the way to a pickup, not only with a rider aboard.

This is the detail many summaries get wrong. A driver who has accepted your ride and is heading to your hotel or home, and who runs a red light on the way, was in the "providing transportation services" phase as the statute defines it. The same is true for a pedestrian or another driver hit by that car. Whether a particular policy responds still depends on its wording and on proof of the app status at that minute, which is why the trip record matters so much.

Why the driver's own insurer may deny the claim

Nevada does not require a personal auto policy to cover rideshare driving. An insurer whose policy excludes it has no duty to defend or pay a claim that arises while the driver is logged in, available for requests, or giving rides (NRS 690B.480). A working rideshare driver may therefore have little or no personal coverage for the crash.

An insurer may choose to include rideshare coverage and charge more for it, so the answer depends on the driver's actual policy. The practical point is that a denial letter from the driver's personal carrier is not the end of the claim. It is often the signal to look at the rideshare company's coverage, and at your own uninsured or underinsured motorist coverage. Nevada insurers must offer that coverage in an amount equal to the bodily-injury limits sold to you (NRS 687B.145(2)), so whether you have it depends on what you bought.

Rideshare companies also have to disclose insurance information to their drivers. Under NRS 690B.460, before a driver can accept requests, the company must tell the driver in writing what coverage it provides and its limits, and that the driver's personal auto policy may not cover rideshare driving. If you were the rideshare driver, that disclosure is worth finding.

Who can bring a rideshare accident claim?

Anyone hurt by a negligent driver may have a claim, and the app phase decides which coverage is in play. That includes the rideshare passenger, a driver or passenger in another vehicle, a pedestrian, a cyclist, and in some cases the rideshare driver if another motorist caused the crash.

• Passengers. A passenger is rarely at fault for a collision. The questions are usually which driver caused it and which policy covers that driver at that moment. If the rideshare driver caused the crash with a ride in progress, the $1,000,000 layer described above is where the analysis starts.
• Other drivers and their passengers. If an Uber or Lyft driver hit your car, the app phase controls which coverage applies. You may not know the phase. The crash report, the driver's statements at the scene, any trade-dress decal, and a request for the trip record can establish it.
• Pedestrians and cyclists. Pickup and drop-off traffic is a common source of these crashes: a car stopping suddenly in a travel lane, a door opened into a bike lane, or a driver looking at the app instead of a crosswalk. The pedestrian accidents page explains Nevada's crosswalk and signal statutes.
• Rideshare drivers. If another motorist caused the crash, your claim is against that motorist and that motorist's insurer, with your own and the company's coverage in the background. A rideshare driver's relationship with the company raises separate questions this page does not try to answer.

If more than one vehicle was involved, several policies may be relevant at once. Nevada's comparative-fault rule then decides how responsibility is shared.

Proving the app phase

The app record is usually the strongest evidence of what phase the driver was in, and you may not hold it. A passenger has a trip receipt and ride history. Other drivers, pedestrians, and cyclists usually have nothing in hand and need the crash report, scene evidence, and a request for the company's trip data.

• If you were the passenger, your trip receipt, ride history, driver name, vehicle, and timestamps are in your own account. Take screenshots early, before you change phones or the app updates.
• If you were in another vehicle, on foot, or on a bicycle, write down what the driver said at the scene, photograph any decal or placard, and ask the responding agency how to obtain the crash report. A written request to the rideshare company for the trip record is often needed.
• If you were the rideshare driver, your driver-app history, the time you accepted the request, and the insurance disclosure the company gave you are relevant.

Electronic records like these can be subject to preservation duties once litigation is reasonably anticipated. NRCP 37(e) addresses electronically stored information that should have been preserved and was lost because a party did not take reasonable steps to keep it. A prompt, specific preservation request is the practical way to protect that record.

Nevada rules that still apply to a rideshare claim

The rideshare insurance statutes decide which policy may pay. They do not change the basic rules that apply to every Nevada injury claim: the two-year filing deadline, the comparative-fault rule, and the need to prove that the crash caused the injuries and losses you claim.

Filing deadline. Many Nevada injury lawsuits must be filed within two years of the crash under NRS 11.190. That statute contains exceptions, and claims involving a government vehicle or road can carry their own rules. The deadline that matters in practice is often much sooner: app data, intersection video, and witness memory can disappear in days or weeks.

Shared fault. Under NRS 41.141, a person whose negligence is not greater than the negligence of the people they sue is not barred from recovering, and the award is reduced by their share. Insurers in rideshare cases often argue about a passenger who distracted the driver, a cyclist's lane position, or a pedestrian outside a crosswalk.

Damages. A claim may include medical bills, future care the records support, lost income, and compensation for pain and physical limitation when the facts support those losses. The personal injury page explains how a Nevada negligence claim usually moves, and the car accident page covers fault evidence and minimum limits for ordinary crashes.

If an insurer asks for a recorded statement

It depends on who is asking. You generally have no contractual obligation to the other side's carrier or to a rideshare company's claims administrator, and many people decline until they have advice. Your own insurer is different, because policies normally contain a cooperation clause. A subpoena or other legal process cannot be ignored.

An early recorded call can lock in comments about speed, where you were looking, or how you feel before the medical picture is clear. Find out exactly who is calling and for which company, check what your own policy requires, and get advice before you answer. The firm's understanding insurance page explains the policy terms that come up in these calls.

What to do next after an Uber or Lyft crash

1. Get emergency help first. Call 911 if anyone is hurt. Ask the responding agency how to obtain the crash report and write down the report number.
2. Get a medical evaluation. Some injuries are not obvious at the scene. A gap in treatment gives insurers room to argue the injury was unrelated.
3. Screenshot the trip. Capture the driver's name, the vehicle, the route, and the times in the app while they are easy to reach.
4. Document the scene. Photograph the vehicles, any rideshare decal or placard, traffic signals, and visible injuries when it is safe.
5. Collect names and insurance. Get every driver's name, phone, carrier, and policy number, plus witness contacts.
6. Hold off on recorded statements. Find out who is calling and for whom before you agree to anything.
7. Call Clark Law Group. Call 702-330-3272 during business hours or request a callback. Bring whatever app screenshots, photos, and insurer letters you have to the free consultation.

Who reviews injury work at this firm

C. Jared Clark, Esq. is the designated responsible attorney for Clark Law Group. He earned a Bachelor of Science from the University of Nevada, Las Vegas, and a Juris Doctor, cum laude, from Thomas Jefferson School of Law. During law school he interned for the Honorable John A. Houston, U.S. District Judge for the Southern District of California, and for the San Diego Public Defender's office. He has lived in Nevada since 1988 and is a member of the State Bar of Nevada, the American Bar Association, and the Nevada Justice Association. Read more about Jared Clark.

The office is at 2320 Potosi St, Las Vegas, NV 89146. The firm is open 24 hours a day, 7 days a week. Related pages: car accidents, pedestrian accidents, personal injury, and, for crashes outside the city, Henderson and North Las Vegas.

Last updated October 20, 2026.

Sources

• NRS 690B.470 — minimum insurance for transportation network company drivers by app phase
• NRS 690B.480 — personal auto policies may exclude rideshare driving
• NRS 690B.460 — insurance disclosures a company must make to drivers
• NRS 706A.060 — definition of "transportation services"
• NRS 11.190 — periods of limitation, including the two-year period for injury actions
• NRS 41.141 — comparative negligence
• NRS 485.3091 — minimum motor vehicle liability policy limits
• NRS 687B.145 — required offer of uninsured and underinsured motorist coverage
• NRCP 37(e) — failure to preserve electronically stored information

This page is attorney advertising and general information, not legal advice. Statutes and rules change, and how any of them apply depends on the facts. Contacting the firm does not create an attorney-client relationship. Prior results do not guarantee future outcomes.