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Accident types

Rideshare Accidents

In a crash involving an Uber or Lyft, the first question is often not who was at fault but what the app was doing at the time, because that decides which insurance applies.

Last reviewed 20 October 2026 5 min read Not yet attributed to a named author or reviewer

The short answer

Nevada sets different minimum coverage depending on the app status. While a driver is logged in and waiting for a request, $50,000 / $100,000 / $25,000 applies. From accepting a request until the ride ends, a $1,000,000 combined limit applies. With the app off, only the driver's personal policy applies.

Three periods, three levels of cover

  • App off. Only the driver's personal policy applies, exactly as for any other driver.
  • Logged in, waiting for a request. At least $50,000 per person, $100,000 per crash and $25,000 for property damage.
  • Request accepted until the ride ends. A combined single limit of at least $1,000,000. That covers the drive to collect the passenger as well as the trip itself.

These are statutory minimums. A company may carry more, and its current certificate of insurance is the authoritative figure.

Why the period matters so much

The difference between the second and third periods is twentyfold for one injured person. Establishing what the app showed at the moment of the crash, from the driver's phone, the trip record or the company itself, can matter more than anything else in the claim.

If you were the passenger

A passenger is rarely at fault. The claim is usually against whichever driver caused the crash, which may be the rideshare driver, the other driver, or both. Nevada generally makes each pay only its own share of the fault.

If a rideshare vehicle hit you

Fault works as in any other Nevada crash: the at-fault driver's coverage generally pays, and your recovery is reduced by your own share and barred only if your share is greater than theirs. What changes is which policy sits behind the driver.

Your own coverage

If the at-fault driver's coverage is not enough, your own underinsured motorist coverage, if you have it, pays to the extent your losses exceed their limits. Nevada insurers must offer it, but it can be declined, so check your declarations page.

Deadline

The two-year deadline for an injury lawsuit applies whoever was driving.

See what applies to your situation

Answer a few questions about what happened and get the guidance that matches it.

NevadaAccidentHelp is not a law firm and does not provide legal advice. Submitting information does not create an attorney-client relationship.

Sources

Every statement on this page traces to one of the following. Where a source is not the issuing body itself, that is noted.

  1. NRS 690B.470. Nevada Legislature Official source Checked 14 September 2026.
  2. Insurance Information Institute, no-fault background. Insurance Information Institute Secondary source Checked 14 September 2026.
  3. NRS 41.141(1), (2)(a). Justia (Nevada Revised Statutes) Secondary source Checked 14 September 2026.
  4. NRS 41.141(4), (5). Justia (Nevada Revised Statutes) Secondary source Checked 14 September 2026.
  5. NRS 687B.145(2). Nevada Legislature Official source Checked 14 September 2026.
  6. NRS 687B.145(2). Nevada Legislature Official source Checked 14 September 2026.
  7. NRS 11.190(4)(e). Nevada Legislature Official source Checked 14 September 2026.

Some statutory text above was read from an established legal database rather than the Nevada Legislature's own site, because that page could not be retrieved in full. The wording was cross-checked across multiple independent databases. If you are relying on the exact text, read it on the Legislature's official site.

Other accident types

Car Accidents

The most common claim type, and the baseline for how fault and insurance work in Nevada.

Truck Accidents

Commercial trucks bring federal rules, much higher insurance and often more than one responsible party.

Motorcycle Accidents

Nevada requires a helmet, and riders often face assumptions about fault that the evidence needs to answer.

Rideshare Accidents

Coverage depends on what the app was doing at the moment of the crash.

Pedestrian Accidents

Pedestrians are protected by right-of-way rules, but fault is still argued.

Bicycle Accidents

Nevada requires drivers to give cyclists a full lane where there is one, or at least 3 feet.

Wrongful Death

Who can bring a claim after a fatal crash in Nevada, what it can recover, and the open deadline question.