Who Pays After a Rideshare Crash in Las Vegas? Sorting Through Insurance Confusion

With the rise of Uber and Lyft, rideshare vehicles have become a common sight on the Las Vegas Strip, transporting tourists and locals alike. But when one of these vehicles is involved in an accident, the question of who pays for injuries and damages can get complicated fast. Unlike traditional car crashes, rideshare accidents involve multiple layers of insurance—and determining liability requires a clear understanding of Nevada law and rideshare company policies.

So, if you’ve been injured in a rideshare crash in Las Vegas—whether as a passenger, pedestrian, or another driver—here’s what you need to know from Mainor Ellis about who may be responsible for covering your expenses.

Understanding the Phases of Rideshare Coverage

Uber and Lyft drivers use their personal vehicles, but their insurance coverage depends on what phase of the ride they’re in at the time of the crash. Here’s a breakdown:

• Phase 0 – The driver is not logged into the app: Only the driver’s personal insurance applies.
• Phase 1 – The driver is logged in but hasn’t accepted a ride: Uber and Lyft provide limited liability coverage (typically $50,000 per person / $100,000 per accident for bodily injury, and $25,000 for property damage).
• Phase 2 – The driver has accepted a ride and is en route to the passenger: The company provides $1 million in liability coverage.
• Phase 3 – The passenger is in the vehicle: The $1 million coverage continues, plus limited uninsured/underinsured motorist coverage may apply.

This tiered structure creates a lot of confusion, especially when multiple parties are involved.

Who Might Be Liable?

Depending on the circumstances, several parties could be responsible:

• The rideshare driver, if they caused the crash through negligence
• Another driver, if they were at fault
• Uber or Lyft’s insurance carrier, if the driver was on the clock
• The rideshare company itself, in rare cases of gross negligence or improper driver screening

If you were a passenger in the rideshare, you’re rarely at fault and should be covered by the company’s $1 million policy. If you were hit by a rideshare vehicle, you may be able to file a claim against the driver’s personal or rideshare-provided insurance, depending on the ride phase.

Why Insurance Companies Complicate Claims

Rideshare insurance claims often involve finger-pointing between insurers. The driver’s personal insurer may deny the claim, arguing the driver was working, while the rideshare company may claim the driver wasn’t officially on duty. That’s why having a skilled attorney is essential to navigate the layers of liability and coverage.

How Mainor Ellis Can Help

Our Las Vegas Personal Injury Attorneys know how frustrating it is to deal with insurance games—especially after a traumatic accident. Our team has the experience to untangle the legal and insurance issues that come with rideshare crashes. We’ll investigate the accident, identify who was at fault, and pursue the maximum compensation available to cover your medical bills, lost wages, pain and suffering, and more.

Schedule Your Free Consultation Today

If you were injured in a rideshare accident in Las Vegas, don’t let insurance confusion delay your recovery. Contact Mainor Ellis today for a free consultation with a trusted personal injury attorney who knows how to get results.

Source:

leg.state.nv.us/nrs/nrs-690b.html