Las Vegas is one of the highest-demand rideshare markets in the country — Uber and Lyft drivers are ubiquitous on the Strip, in downtown Las Vegas, and throughout the valley, serving the millions of visitors who arrive in Las Vegas without a car. When a Las Vegas rideshare passenger is injured — whether by their own Uber or Lyft driver’s negligence, by another driver’s negligence while the passenger is aboard, or by a drunk driver who struck the rideshare vehicle — the insurance and liability picture is more complex than a standard Nevada car accident. Nevada law establishes specific insurance requirements for transportation network companies (TNCs), and Uber and Lyft maintain significant commercial coverage that is available to injured passengers during active trips. Marathon Law Group represents Las Vegas rideshare accident victims in Nevada personal injury claims against TNC drivers, TNC companies, at-fault third-party drivers, and the alcohol vendors who may have over-served an intoxicated at-fault driver.
Nevada TNC Insurance Requirements NRS 706A, Uber and Lyft Phase Coverage During Active Las Vegas Trips, Rideshare Driver DUI Liability, Dram Shop Claims Against Las Vegas Casino or Bar, UM/UIM Coverage for Rideshare Passengers, Multi-Policy Insurance Recovery, and Comparative Fault Analysis
Nevada law (NRS Chapter 706A) establishes insurance requirements for transportation network companies operating in Nevada. The coverage available to an injured Las Vegas rideshare passenger varies by the phase of the trip: when the app is on and a trip is in progress with a passenger aboard (Phase 3), Uber and Lyft each maintain commercial liability coverage of $1,000,000 per occurrence — coverage that applies to the passenger’s injuries whether the accident was caused by the TNC driver’s negligence or by another driver’s negligence that the TNC driver could not have avoided. When the at-fault driver in a Las Vegas rideshare accident carried insufficient personal liability insurance to cover the passenger’s injuries, the TNC’s commercial underinsured motorist coverage (also up to $1,000,000 per occurrence under the major TNC policies) may provide additional recovery. Las Vegas Strip rideshare accidents involving drunk drivers are a significant and recurring category: when an intoxicated driver who had been served alcohol at a Las Vegas casino, bar, or nightclub caused the accident that injured the rideshare passenger, Nevada’s dram shop liability framework (NRS 41.1305) may provide a claim against the alcohol vendor in addition to the drunk driver’s personal liability and any UM/UIM recovery from the rideshare company’s policy. Las Vegas casino dram shop claims are particularly significant because casinos provide complimentary alcohol to gamblers and to patrons of their bars and nightclubs — a casino that serves alcohol to a patron who then drives drunk and injures a rideshare passenger may bear NRS 41.1305 liability if the patron was visibly intoxicated at the time of continued service. Rideshare driver DUI: when the Uber or Lyft driver themselves is impaired, the TNC company’s commercial coverage applies because the driver was engaged in an active trip — but the TNC may also face independent negligence claims for failure to adequately screen drivers for prior DUI history and failure to implement technology that detects impaired driving patterns. Marathon Law Group navigates the full multi-policy coverage landscape in Las Vegas rideshare accident cases and pursues all available defendants to maximize compensation for injured passengers.