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Three app states, three insurance floors
| What the driver's app was doing | Nevada minimum | Law |
|---|---|---|
| Off, a personal trip | $25,000 per person, $50,000 per crash, $20,000 property | NRS 485.185 |
| Logged in and available, no ride accepted | $50,000 per person, $100,000 per crash, $25,000 property | NRS 690B.470(1)(b) to (d) |
| Ride accepted, or a passenger on board | $1,000,000 for injury and property combined | NRS 690B.470(1)(a); NRS 706A.060 |
These are floors. The law lets the coverage come from the company, the driver, or both (NRS 690B.470). "Providing transportation services," the statute's phrase for the top tier, starts when the driver accepts a request and ends when the last passenger gets out (NRS 706A.060).
The Nevada Division of Insurance calls these three "phases." Phase 1 is logged in and available. Phase 2 is a ride accepted and the driver on the way. Phase 3 runs from pickup until the passenger is fully out. With the app off, the driver is not driving for the company (Division of Insurance, TNC FAQ).
Two more rules keep the top tier from falling through. During a ride, the company must supply the required coverage as primary insurance if the driver's own coverage lapses or falls short (NRS 690B.470(4)). The rideshare insurer also may not make the driver's personal insurer deny the claim first (NRS 690B.470(7)).
What the driver has to tell you
Nevada requires a rideshare driver to carry proof of rideshare coverage whenever they are logged in. After a crash, the driver must show that proof on request. They must also say whether they were logged in, available, or on a trip at that moment. The duty runs to police and to anyone else in the crash (NRS 690B.495).
Write the answer down, with the time. If you were a passenger, take a screenshot of the trip in your app, including the driver's name and plate.
If you were the passenger
A passenger on a trip is inside the top tier: the driver's required coverage is at least $1,000,000 (NRS 690B.470). Fault still decides whose insurance pays. If another driver caused the crash, the claim goes to that driver's insurance, and Nevada's fault rule in NRS 41.141 applies.
Nevada's rideshare insurance statute lists medical payments and uninsured motorist coverage as optional (NRS 690B.470(6)). The Division of Insurance says a rideshare company's commercial policy likely does not include such optional coverages (Division of Insurance, TNC FAQ).
Uber's insurance page says it keeps uninsured and underinsured motorist coverage for rideshare in states where the law requires it, and not in every state (Uber).
Your own auto policy's uninsured and underinsured motorist coverage, if you have it, is worth checking too (NRS 687B.145). So is your own medical payments coverage.
Visitors riding with Uber or Lyft follow the same Nevada rules as residents. Our guide on a car accident while visiting Las Vegas covers resort garages, rental cars and getting the report from home.
If a rideshare driver hit you
The tier depends on the driver's app status at the moment of the crash. That is why the driver's disclosure matters. Ask the three questions the law requires them to answer, and note the answers:
- Were you logged into the app?
- Were you available for a ride request?
- Were you on a trip, or on the way to a pickup?
With the app off, the driver's personal policy is the first place to look, at Nevada's $25,000 per person minimum. A personal policy is allowed to exclude rideshare driving. If it does, that insurer has no duty to defend or pay claims from the time the driver is logged in (NRS 690B.480).
Logged in with no ride, the floor rises to $50,000 per person. On a trip or on the way to one, it is $1,000,000. The rideshare insurer has a duty to defend and indemnify both the driver and the company (NRS 690B.470(8)).
If the driver had too little coverage for your injuries, our guide on being hit by an uninsured driver in Nevada covers your own coverage.
If you were the Uber or Lyft driver
Your own injuries are a different question from the liability tiers above, which cover harm to others. Start with your personal policy. Nevada lets a personal auto policy exclude the time you are logged in or driving for a rideshare company (NRS 690B.480).
Lyft's insurance page says most personal auto policies will not cover you while driving with Lyft. It suggests a rideshare policy or endorsement. For rides, and on the way to pickups, Lyft says it keeps first-party coverage. That may include uninsured or underinsured motorist, PIP, MedPay or occupational accident coverage (Lyft).
Uber's pages say it offers drivers Optional Injury Protection, insurance a driver chooses to buy. Uber lists Nevada among the states where it is available (Uber, Optional Injury Protection). Check your driver app's insurance section for what applies to your account.
If another driver caused the crash, your injury claim goes to that driver's insurer, like anyone else's. Nevada's fault rule applies (NRS 41.141).
Reporting the crash in the app and to police
Report the crash to police first when anyone is hurt. With no officer at the scene, a driver must report an injury crash right away to the police or the Highway Patrol. The same goes for any crash on a road (NRS 484E.030).
- Uber drivers. Uber says the easiest way is in the Driver app: open the Safety Toolkit and tap Report a crash. Riders and other people involved report through Uber's help and inquiry pages (Uber).
- Lyft drivers. Lyft's insurance page links a crash report and says its claims team handles the next steps (Lyft).
In Las Vegas, LVMPD takes reports inside its jurisdiction. Crashes in Henderson, North Las Vegas and Boulder City go to those cities' police. Freeway crashes, such as on I-15, go to the Nevada State Police (LVMPD, Filing a Report).
A copy of an LVMPD traffic collision report costs $13.00. A Nevada Highway Patrol report costs $10 on CRASHDOCS.org (LVMPD; NHP). Keep the police event or crash number with the app's claim number. Our guide on how to get a Las Vegas police report explains how to get a copy.
What changed in 2025
Nevada added a section about the company itself in 2025. Subsection 1 reads in full:
"A transportation network company is not vicariously liable for any act or omission of a driver or passenger that harms a person or property under any theory of liability or duty of care."
Subsection 2 keeps any other theory of liability against the company, to the extent it is available and proven (NRS 706A.155).
In plain words, the company is not automatically responsible just because its driver caused a crash. The insurance tiers above still apply.
Terms you will hear
- Transportation network company
- The legal name for a rideshare company such as Uber or Lyft.
- Transportation services
- The stretch from accepting a ride request until the last passenger gets out (NRS 706A.060).
- Phase 1, 2 and 3
- The Division of Insurance's names for app on with no ride, ride accepted, and passenger on board.
- Vicarious liability
- Being held responsible for someone else's act. NRS 706A.155 says a rideshare company is not vicariously liable for a driver's or passenger's act.
- Endorsement
- An add-on to a personal auto policy that changes what it covers, such as rideshare driving.
- Uninsured and underinsured motorist coverage
- Coverage on your own policy when the at-fault driver has none or too little, if you bought it.