Las Vegas rideshare accident lawyer.
Uber and Lyft crashes involve more insurance than an ordinary car accident, but which policy applies depends on what the driver's app was doing at the moment of impact. In a city where millions of trips start at resort entrances, that question comes up every day.
Reviewed by Meesha Moulton, licensed in Nevada and Arizona · Updated October 1, 2026
Key takeaways
- During a Trip$1.5 million while providing a ride (Nevada Revised Statutes § 690B.470)
- App On, Waiting50 / 100 / 25 while logged in (Nevada Revised Statutes § 690B.470)
- DefinitionWhen a ride legally begins and ends (Nevada Revised Statutes § 706A.060)
- Comparative FaultModified comparative negligence (51% bar) (Nevada Revised Statutes § 41.141)
- Filing DeadlineTwo years from the date of the crash (Nevada Revised Statutes § 11.190(4)(e))
- FeesFree consultation. Contingency: 33.33% pre-litigation, 40% post-litigation.
Who gets hurt in
rideshare crashes.
Rideshare claims look different depending on where you were sitting, or standing, when the crash happened. Each position points to a different set of insurance policies.
Passengers
Riders hurt during a trip are covered by the rideshare insurance that applies while a driver is providing a ride. If another driver caused the crash, that driver's insurer may also be responsible.
Other Drivers
When a rideshare driver causes a crash, the coverage available to the other driver depends on the app status: offline, logged in and waiting, or on an accepted trip. Proving that status is usually the first task.
Pedestrians on the Strip
Heavy foot traffic, mid-block crossings, and drivers watching their phones for the next request create pedestrian crashes along Las Vegas Boulevard and near resort entrances.
Pickup Zones & Porte-Cocheres
Resorts route rideshare traffic to designated pickup areas, often in garages or at porte-cocheres crowded with valets, taxis, and guests. Layout and traffic control there can raise questions beyond the driver alone.
Visitors From Out of State
Many injured riders live elsewhere and fly home days after the crash. The claim still runs under Nevada law, and much of it can be handled remotely while treatment continues at home.
Rideshare Drivers
Drivers hurt by another motorist while working have claims against the at-fault driver, and may have access to coverage under the rideshare company's policy depending on its terms and their app status.
How Nevada regulates
rideshare insurance.
Nevada calls Uber and Lyft transportation network companies and sets insurance minimums that change with the driver's app status. Ordinary Nevada fault and deadline rules apply on top.
$1.5 million while providing a ride
From the time a driver accepts a ride request until the last passenger leaves the vehicle, Nevada requires at least $1,500,000 of coverage for bodily injury, death, or property damage per accident. The coverage can come from the company, the driver, or both.
50 / 100 / 25 while logged in
While a driver is logged into the app and available but has not accepted a request, Nevada requires at least $50,000 per person and $100,000 per accident for bodily injury, and $25,000 for property damage.
When a ride legally begins and ends
Nevada defines transportation services as the period that starts when a driver accepts a request made through the company's app and ends when the last passenger exits. That definition is what separates the higher trip coverage from the lower waiting-period coverage.
Modified comparative negligence (51% bar)
You can recover if your share of fault is not greater than the defendants' combined share, reduced by your percentage. Passengers are rarely at fault, but pedestrians and other drivers often face this argument.
Two years from the date of the crash
Nevada's personal injury statute of limitations is generally two years. That deadline applies to visitors too, even after they return home to another state.
How rideshare insurance actually works in Nevada.
Rideshare claims are mostly insurance questions. Who is covered, by which policy, and for how much all depend on facts that need to be proven early. Here is how the pieces fit together.
The three app periods
Rideshare coverage is usually described in terms of app periods. When the app is off, the driver is just a person driving their own car, and only the driver's personal auto policy applies. Many personal policies exclude or limit coverage for commercial driving, which can create disputes even in this period.
When the driver is logged into the app and available but has not accepted a request, Nevada's transportation network company statute, NRS 690B.470, requires at least $50,000 per person and $100,000 per accident for bodily injury and $25,000 for property damage.
Once the driver accepts a request, and through the end of the trip when the last passenger gets out, the statute requires at least $1,500,000 per accident. Nevada's definition of transportation services in NRS 706A.060 is what draws that line. Driving to a pickup and carrying a passenger both fall inside it.
Why proving the app status comes first
The difference between the waiting period and an accepted trip can be the difference between a modest policy and a much larger one. The rideshare company has the data that shows exactly when the driver logged in, accepted a request, picked up, and dropped off. Passengers have their own records too: the trip receipt, in-app messages, and screenshots of the ride.
Save everything from the app on your phone, and photograph the vehicle and any rideshare signage at the scene. If you were not the passenger, try to note whether the driver had a passenger or said anything about a pickup. Those details help confirm which coverage applies.
Claims against the rideshare company's insurer
NRS 690B.470 allows the required coverage to come from a policy held by the company, the driver, or a combination, and requires the company to provide the coverage if the driver's own insurance lapses or falls short. In practice, the large app companies generally maintain commercial policies for the periods the statute covers.
The statute also provides that the insurer may not require the driver's personal insurer to deny the claim first, and that the insurer has a duty to defend and indemnify both the driver and the company. Uninsured and underinsured motorist coverage is listed as optional, so whether it is available depends on the specific policy in force at the time.
These are commercial insurers with experienced adjusters. Early recorded statements and quick settlement offers made before the full extent of an injury is known are common. Understanding the coverage before responding is generally the safer course.
Passengers, other drivers, and pedestrians
A passenger who is hurt rarely shares any fault. If the rideshare driver caused the crash, the trip coverage applies. If another driver caused it, that driver's insurer is responsible, and the rideshare coverage may also come into play when the other driver's limits are too low. Sometimes both drivers share fault, and claims run against both.
Other drivers and pedestrians hit by a rideshare vehicle depend on the app status at the time. Pedestrians struck near resort entrances or crossing Las Vegas Boulevard often face an argument that they stepped into traffic, which is where Nevada's comparative fault rule in NRS 41.141 comes in.
Strip pickup zones and resort porte-cocheres
Most large resorts send rideshare traffic to designated pickup areas, frequently inside parking structures or at busy porte-cocheres shared with valet, taxis, limousines, and guests on foot. Crashes there often happen at low speed but with people standing close to moving vehicles.
When the layout, signage, lighting, or traffic control of a pickup area contributed to a crash, the property owner or operator may share responsibility alongside the driver. Resort surveillance video is often the clearest record of what happened, and it is not kept indefinitely, so it should be requested quickly.
If you were visiting from out of state
Las Vegas visitors are hurt in rideshare crashes and fly home before they have had time to think about a claim. Nevada law governs a crash that happened in Nevada, and the two-year deadline still runs. Treatment can continue with doctors at home, and most of the claim process, including documents and calls, can be handled remotely. If the case is filed in court, it would generally be filed in Nevada.
How a Las Vegas rideshare
case moves.
The coverage question shapes everything else, so it is answered first.
Lock down the app status
Trip receipts, screenshots, and app messages are collected, and preservation requests go to the rideshare company for its trip and driver data. Resort and nearby camera footage is requested at the same time.
Identify every policy
The rideshare company's insurer, the driver's personal carrier, any other at-fault driver's insurer, and your own coverage are identified and put on notice.
Treatment, here or at home
Whether you live in the valley or flew home, treatment continues with your own doctors. The claim is valued once the medical picture is stable.
Demand or lawsuit
A demand goes to each responsible insurer with the liability evidence and full damages. If the claim stalls, suit can be filed in Clark County.
“In a rideshare crash, the first question is not who was at fault. It is what the app was doing when it happened.”
Meesha Moulton · Founding Attorney
The questions
that come up first.
The questions that come up most often before the first call. If yours is not here, the call is what it is for.
Who pays if I was hurt as an Uber or Lyft passenger in Las Vegas?+
What if the rideshare driver did not have a passenger?+
How do I prove what the driver's app was doing?+
Can I sue Uber or Lyft directly?+
I live out of state. Can I still bring a claim in Nevada?+
I was hit by a rideshare car while walking on the Strip. What applies?+
What if the crash happened in a resort pickup area?+
Does rideshare insurance include uninsured motorist coverage?+
What does it cost to hire a lawyer for a rideshare accident?+
Hurt in an
Uber or Lyft?
Call and tell us what happened, whether you live in Las Vegas or were just visiting. Meesha personally reviews every case that comes in. No fee, until your case is won.