Why Rideshare Claims Are Complex
In a rideshare crash, the available insurance depends on what the driver was doing at the moment of the collision. If the app was off, only the driver's personal policy applies. If the driver was waiting for a ride request, a limited contingent policy applies. Once a ride is accepted or a passenger is in the car, Uber and Lyft provide up to a one-million-dollar liability policy. Figuring out which coverage applies — and getting the rideshare company's insurer to honor it — is where these cases get difficult.
Who Can Be Injured in a Rideshare Crash
Rideshare crash victims include passengers, drivers of other vehicles, pedestrians, cyclists, and the rideshare drivers themselves. Each may have different rights and different sources of coverage. Passengers, in particular, are almost never at fault and are typically covered by the rideshare company's policy when the trip is active.
Dealing With Uber and Lyft's Insurers
Rideshare companies and their insurers are skilled at minimizing payouts and shifting responsibility between policies. They may argue the driver was an independent contractor or that a different policy should apply. An experienced attorney cuts through these tactics, establishes the driver's app status at the time of the crash, and pursues the full coverage available.
Compensation After a Nevada Rideshare Crash
Victims may recover medical expenses, lost income, and pain and suffering, with the active-trip policies providing substantial limits. Under Nevada's modified comparative negligence rule under NRS 41.141, which lets you recover as long as you are not more than 50 percent at fault, you can recover even if you were partly at fault. Preserving trip records and app data early helps establish coverage.
Injured in Nevada? Get a free, confidential case review today. There's no obligation, and you pay no fee unless you win. Call 973-566-5599.
Frequently Asked Questions
When a trip is active, Uber and Lyft carry up to a one-million-dollar liability policy. Which coverage applies depends on the driver's app status at the time of the crash.
Passengers are almost never at fault and are typically covered by the rideshare company's policy during an active trip.
Generally two years from the date of the crash under NRS 11.190(4)(e).
This page is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Nevada attorney.