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Founding Member & Managing Partner at Gina Corena & Associates
Practice Areas: Personal Injury
Every day in Las Vegas, thousands of people use Uber and Lyft to get across town or explore the Strip. But according to the Nevada Department of Transportation, Clark County records more than 55,000 traffic crashes each year, and rideshare passengers are not immune to those statistics.
If you’ve been injured as a passenger in a Las Vegas rideshare crash, you’re likely facing medical bills, lost time from work, and questions about who will pay. This isn’t a situation where you can afford to guess or rely on assumptions. The rules for rideshare accidents in Nevada are different from regular car crashes, from insurance “phases” to strict deadlines and upcoming changes in liability coverage.
This guide breaks down exactly what to do and what laws apply so you can take the right steps from the start.
In most rideshare crashes, passengers are not at fault. However, Nevada’s modified comparative negligence law (NRS 41.141) can reduce your compensation if your actions contributed to your injuries. For example, if you were not wearing a seatbelt at the time of the collision, your settlement could be reduced in proportion to your level of fault.
What makes rideshare accidents different? More insurance policies may be involved, and the driver’s status in the app — whether they were waiting for a ride, en route, or actively transporting you — affects what coverage applies.
Your health comes first. If you’re hurt, seek medical attention — even for symptoms that seem minor. Injuries like concussions and whiplash often show up hours or days later.
Call 911 so law enforcement and EMTs arrive. Let the officer know you were a rideshare passenger. Make sure the police report includes the driver’s name, trip ID, your seat location, and whether you were wearing a seatbelt.
Document everything:
Also, report the crash through the Uber or Lyft app. This creates a record that may help with your insurance claim.
Nevada law (NRS 690B.470) requires rideshare companies to carry specific insurance coverage depending on the driver’s status in the app. These are known as “phases”:
| Phase | Driver Status | Minimum Liability Coverage (Aug 2025) | New Minimum (Oct 1, 2025) | Applies to Passenger Injuries? |
| Phase 1 | App on, no passenger | $50,000 per person / $100,000 per accident | No change | Yes, if crash occurs now |
| Phase 2 | En route to passenger | $1.5M | $1M | Yes |
| Phase 3 | Passenger in vehicle | $1.5M | $1M | Yes |
Nevada Law Update: Beginning October 1, 2025, the minimum liability coverage for rideshare drivers with a passenger will drop from $1.5 million to $1 million under AB 523. This could reduce available compensation in serious injury claims.
If another driver is at fault, their liability insurance applies first. If their coverage is insufficient, the rideshare company’s policy can provide additional coverage. You may also be able to use your own uninsured/underinsured motorist (UM/UIM) coverage or Medical Payments (MedPay) benefits.
Las Vegas attracts millions of visitors each year, and many rely on rideshares. If you are an out-of-state passenger injured in Nevada:
Nevada’s statute of limitations applies regardless of where you live.
Under NRS 687B.145, Nevada auto insurers must offer at least $1,000 in MedPay coverage, which pays for medical expenses regardless of fault. If you have MedPay, it can help cover:
MedPay Tip: MedPay can be used alongside your health insurance. Typically, MedPay pays first, then health insurance covers the remaining balance. The rideshare company’s liability coverage can be pursued afterward.
The statute of limitations for personal injury in Nevada is two years from the date of the accident (NRS 11.190(4)(e)). For property damage, the limit is three years.
Insurance companies often have shorter reporting deadlines, so notify them promptly. Waiting too long to seek medical treatment or file a claim can harm your case.
Statute Reminder: The clock starts on the date of the accident. Delays in reporting or treatment can be used against you by insurers.
Rideshare accident claims can be complex due to multiple insurance policies, overlapping coverage periods, and disputes over fault. This is especially true if:
An experienced Las Vegas rideshare accident attorney can help identify all potential sources of compensation and ensure deadlines are met.
Seek medical help, call 911, document the scene, and keep all app-related trip details and receipts for your records.
Coverage may come from the other driver’s insurance, rideshare company coverage, MedPay, or your UM/UIM policy, depending on the circumstances.
Yes, but only in rare cases, like not wearing a seatbelt. This can reduce compensation under Nevada’s comparative negligence rules.
Two years for personal injury and three years for property damage under NRS 11.190.
No, but jurisdiction and insurance coordination may be more complex for out-of-state visitors.
Yes. Claims after October 1, 2025 will have lower coverage limits from rideshare companies.
Rideshare accidents often deal with more than just physical injuries—insurance confusion, legal time limits, and coverage changes can make the process stressful. Knowing your rights and how coverage works can help you avoid costly mistakes.
If you’ve been hurt in a Las Vegas rideshare accident, your early decisions—medical care, documentation, and reporting—can strongly affect your case.
Gina Corena & Associates offers free consultations to help you understand your options, identify every possible source of compensation, and take action before important deadlines pass.
As founder of Gina Corena & Associates, she is dedicated to fighting for the rights of the people who suffer life-changing personal injuries in car, truck and motorcycle accidents as well as other types of personal injury. Gina feels fortunate to serve the Nevada community and hold wrongdoers accountable for their harm to her clients.
