Ridesharing has revolutionized how we move around cities. In just over a decade, companies like Uber, Lyft, and other transportation network companies (TNCs) have disrupted the taxi industry, offering fast, flexible service at the tap of an app. But with the rise of ridesharing comes an increase in personal injury claims involving rideshare accidents. Understanding your rights has never been more important.
Updated for 2025, this guide covers everything you need to know about liability, insurance, and filing a rideshare accident claim in Nevada.
Nevada Rideshare Laws: What’s Changed for 2025?
Nevada Revised Statutes Chapter 706A still governs transportation network companies (TNCs), including Uber, Lyft, and similar platforms. Under state law:
- A rideshare driver is engaged in a ride as soon as they accept a trip request and while they are transporting passengers.
- TNCs must carry up to $1.5 million in liability insurance, covering bodily injury, death, and property damage.
- Drivers must hold a business license, undergo regular criminal background checks, and maintain a clean driving record.
What’s new in 2025? Nevada lawmakers have increased scrutiny on TNC insurance practices, especially regarding gap coverage and uninsured/underinsured motorist protection. This means more pressure on companies to pay fairly, but also more red tape to navigate.
Understanding Liability in a Rideshare Accident
Determining who’s responsible in a rideshare crash depends heavily on the driver’s activity at the time of the accident:
1. Driver Is Offline (Not Using the App)
- The driver’s personal insurance policy applies.
- Neither Uber nor Lyft assumes liability.
2. Driver Is Online but Hasn’t Accepted a Ride
- Uber or Lyft provides contingent liability coverage (often up to $50,000 per person, $100,000 per accident).
- This only kicks in if the driver’s personal policy won’t fully cover the damages.
3. Driver Is En Route to or Transporting a Passenger
- The company’s $1 million liability policy applies.
- This covers injuries to passengers, pedestrians, and drivers in other vehicles.
Understanding these distinctions is critical to knowing which insurance company to pursue and how much compensation may be available.
What If the Other Driver Is at Fault?
If another driver caused the crash, you’ll likely file a claim through their insurance provider. But Nevada’s minimum insurance limits haven’t changed:
- $25,000 per person (bodily injury)
- $50,000 per accident (bodily injury)
- $20,000 per accident (property damage)
In 2025, with vehicle costs and medical bills on the rise, these limits often aren’t enough. If the at-fault driver is uninsured or underinsured, your only options may be:
- Your own uninsured/underinsured motorist (UM/UIM) coverage
- The TNC’s supplemental coverage, if you were in or struck by a rideshare vehicle
However, not all rideshare companies guarantee UM/UIM coverage in Nevada, which can leave injury victims struggling to recover compensation.
Comparative Negligence in Nevada
Nevada follows a modified comparative negligence rule. This means:
- You can still recover compensation if you’re less than 50% at fault.
- Your damages will be reduced by your percentage of fault.
- If you’re 50% or more at fault, you cannot recover damages.
This rule often comes into play when insurance companies claim that the injured person contributed to the crash; for example, by texting while walking, riding without a seatbelt, or failing to follow medical advice after the accident.
Updated for 2025, courts continue to weigh these arguments heavily, particularly in rideshare-related litigation, where passenger behavior is increasingly scrutinized.
What If You’re a Passenger in a Rideshare Vehicle?
As a passenger, you’re rarely at fault. But that doesn’t mean getting compensation is easy.
You may need to pursue a claim against:
- The rideshare driver’s insurance
- The rideshare company’s policy
- The other driver’s policy
- Your own personal coverage, depending on the situation
Each scenario involves overlapping policies and potential delays, which is why having a rideshare accident lawyer is critical.
How Taxi Accidents Compare to Rideshare Crashes
Unlike Uber and Lyft drivers, many taxi drivers are employees of regulated companies. This means:
- Employers may be vicariously liable for driver negligence.
- Taxi companies may carry commercial insurance that differs from TNC policies.
- However, most taxi operators are not required to carry UM/UIM coverage.
In short: Taxi passengers may face greater risk in underinsured collisions compared to rideshare passengers, who might have access to the rideshare company’s higher liability limits.
What to Do After a Rideshare Accident (2025 Checklist)
- Call 911 and ensure a police report is filed.
- Get medical attention, even if you feel okay. Injuries often appear hours later.
- Take photos of the accident scene, vehicles, and any visible injuries.
- Document your ride by taking screenshots of the app (driver details, trip ID, etc.).
- Collect witness statements and driver/passenger contact information.
- Contact a personal injury lawyer experienced in rideshare law before speaking to insurance adjusters.
Why You Need a Rideshare Accident Lawyer in 2025
With the legal and insurance landscape continuing to evolve, pursuing a claim on your own can lead to lower settlements, delays, or outright denials.
An experienced attorney can:
- Investigate liability and insurance coverage
- Demand critical records (driver logs, GPS data, trip screenshots)
- Navigate comparative negligence claims
- Fight for the maximum compensation for your medical bills, lost wages, and pain
As Nevada continues to adjust its approach to rideshare regulations, it’s more important than ever to work with a law firm that stays up to date on changes. At Hale Injury Law, we understand how to hold Uber, Lyft, and other rideshare companies accountable—and we fight for the full compensation our clients deserve.
Call us for a free consultation. Let our team handle the legal process so you can focus on healing.