In Nevada, uninsured motorist coverage is optional on rideshare policies, and the company is not automatically liable for its driver
Nevada’s rideshare insurance rules are in NRS 690B.470. While a driver is logged in and available, the floor is $50,000 per person, $100,000 per accident, and $25,000 for property damage. From the moment the driver accepts a request until the last passenger fully disembarks, the floor is $1,000,000 for bodily injury, death, and property damage in any one accident.
Two Nevada rules change how a claim works. A rideshare policy “may include” uninsured and underinsured motorist coverage, but the statute does not require it. NRS 690B.470(6). A separate statute, NRS 706A.155, limits vicarious liability. The official source note says it was added to NRS in 2025. The citation is “Added to NRS by 2025, 13.” That is a 2025 session reference. The NRS page does not print a month or day.
The scope is specific. A transportation network company is not vicariously liable for any act or omission of a driver or a passenger that harms a person or property, under any theory of liability or duty of care. The same section does not alter or preclude any other theory of liability against the company, or any duty of care the company owes, if that theory is available and proven. NRS 706A.155 does not set the insurance amounts in NRS 690B.470. The source note for NRS 690B.470 records amendments in 2021 and 2025. The NRS page does not describe what the 2025 insurance amendment changed. Use the current text of NRS 690B.470 for the dollar amounts.
Nevada is an at-fault state with no personal injury protection. Statute text from the Legislature’s official NRS site as of October 13, 2026, current through the 2025 session: NRS chapter 690B and NRS chapter 706A.
Nevada & the West
Acceptance starts the $1 million period, and it ends when the last passenger fully disembarks
“Transportation services” begin when the driver accepts a request through the app and end “when the last such passenger fully disembarks.” NRS 706A.060. The drive to the pickup is inside the $1,000,000 period, and on a shared trip the period runs until the last passenger is out.
| App status | Statute | Liability required | Uninsured and underinsured |
|---|---|---|---|
| App off | Personal policy, NRS 485.185 | $25,000 per person, $50,000 per accident, $20,000 property damage. Not a rideshare figure. | Must be offered on the personal policy and may be declined. NRS 687B.145(2). |
| Logged in and available, no request accepted | NRS 690B.470(1)(b) to (d) | $50,000 per person, $100,000 per accident, $25,000 property damage | Optional. NRS 690B.470(6). |
| Accepted, driving to the pickup | NRS 690B.470(1)(a), NRS 706A.060 | $1,000,000 per accident | Optional |
| Passenger in the car, until the last passenger fully disembarks | NRS 690B.470(1)(a) | $1,000,000 per accident | Optional |
| Last passenger out, driver still logged in | Back to NRS 690B.470(1)(b) to (d) | $50,000, $100,000, and $25,000 | Optional |
If the driver’s coverage lapses or falls short, the company’s policy is primary
The company, the driver, or both may provide the required coverage. NRS 690B.470(3). If the driver’s coverage lapses or does not meet the requirement, the company must provide it as primary coverage. NRS 690B.470(4). The rideshare insurer cannot require the personal auto policy to deny the claim first, and it has a duty to defend and indemnify the driver and the company. NRS 690B.470(7), (8).
A personal auto insurer may exclude rideshare use and then owes no defense or indemnity while the driver is logged in or on a trip. NRS 690B.480(1). In a claims investigation, the company and insurers must cooperate and share trip and login times. NRS 690B.490.
Since 2025, the company is not vicariously liable for its driver
NRS 706A.155 was added to NRS in 2025. The source note says “Added to NRS by 2025, 13.” It does not print a calendar effective date. 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. The section does not alter or preclude another theory of liability against the company, or a duty of care the company owes, if that theory is available and proven.
It does not replace the insurance rules. NRS 690B.470 still states the liability floors. Its source note records amendments in 2021 and 2025, and the NRS page does not describe the 2025 insurance amendment. Read the current insurance text for the dollars, and read NRS 706A.155 for the vicarious-liability bar.
How Nevada courts will apply NRS 706A.155 is unsettled. Which claims against a company will succeed is not predicted.
Rideshare uninsured coverage is optional, so your own policy can matter
NRS 690B.470(6) says a rideshare policy “may include” uninsured or underinsured motorist coverage. It does not require it, and nothing in the statute turns $1,000,000 of liability into $1,000,000 of uninsured coverage.
For ordinary passenger car policies, insurers must offer uninsured and underinsured coverage equal to the bodily injury limits, on an approved form, and the insured may decline. NRS 687B.145(2). Underinsured coverage pays damages above the at-fault driver’s bodily injury limits, up to the insured’s own limits, and also damages above the government cap described below. If you were hit by an uninsured or underinsured driver while riding, your own personal policy may be where that coverage comes from. NRS 687B.145.
Whether the NRS 687B.145(2) offer requirement applies to a rideshare company’s primary commercial auto policy is unsettled.
Uber prints 50/100/25, then $1,000,000, and $1,500,000 on listed airport premises
Uber’s Nevada certificate is issued by Farmers Insurance Exchange, NAIC 21652, to Rasier LLC and affiliates. Uber certificate PDF.
| What the form describes | Policy and dates | Liability printed | Uninsured printed |
|---|---|---|---|
| Logged in and available, no acceptance recorded | 606715886, March 1, 2026 to March 1, 2027 | $50,000 per person, $100,000 per accident, $25,000 property damage | “Not included in any amount” |
| Acceptance recorded, en route to pickup or traveling to the destination | 606715887, September 1, 2026 to March 1, 2027 | $1,000,000 combined single limit; $1,500,000 per accident on the premises of Harry Reid International, Henderson Executive, the Harry Reid Rental Car Center, North Las Vegas, Jean, or Overton airports | “Not included in any amount” |
| Physical damage on accepted trips | 606715887PD | $2,500 collision deductible, only if the driver has personal collision coverage | Not stated |
The $1,500,000 airport figure is a company purchase shown on the certificate, not a statutory requirement. Printing no uninsured coverage is consistent with NRS 690B.470(6), which makes it optional.
Lyft prints three policies but does not say which period each covers
Lyft’s certificate says “Evidence of Insurance Only For the State of NV.” The insurer is State Farm Fire and Casualty Company, NAIC 25143, and the policies run October 1, 2026 to October 1, 2027. Lyft certificate PDF.
| Policy | Label printed | Liability printed |
|---|---|---|
| 0238845-D01-28 | Hired and non-owned autos | $1,000,000 combined single limit |
| 0238846-D01-28 | Hired and non-owned autos | $1,000,000 combined single limit |
| 0238844-D01-28 | Non-owned autos only | $50,000 / $100,000 bodily injury, $25,000 property damage |
The remarks list $2,500 comprehensive and collision deductibles and medical payments of $10,000. No ride period is printed for any policy, so the certificate doesn’t say which policy covers which app status. Uninsured and underinsured coverage is not shown on the certificate.
Nevada is an at-fault state with a 25/50/20 personal minimum
Nevada has no personal injury protection. Personal auto policies must carry at least $25,000 per person, $50,000 per accident, and $20,000 for property damage. NRS 485.185. Insurers must offer, but not require, at least $1,000 of medical payments coverage. NRS 687B.145(3). Injury claims run on fault and liability insurance. NRS 485.185.
50 percent fault still recovers, 51 percent bars recovery
Nevada uses modified comparative negligence. A plaintiff recovers if their negligence was not greater than the combined negligence of the defendants, and damages are reduced by the plaintiff’s share. Liability is several only, with exceptions. NRS 41.141. NRS chapter 41.
Two years for injury and wrongful death, three for property damage
- Personal injury and wrongful death: two years. NRS 11.190(4)(e).
- Damage to the vehicle or other personal property: three years. NRS 11.190(3)(c).
Claims against government are capped at $200,000, with no required pre-suit notice
The State and its political subdivisions waive immunity subject to limits. NRS 41.031. Damages are capped at $200,000 per claimant, not counting post-judgment interest, and punitive damages are not allowed. NRS 41.035(1). In a suit over a public employee’s on-duty act, the State or political subdivision must be named as a defendant. NRS 41.0337.
A tort claim may be filed with the Attorney General or the subdivision’s governing body within two years, but filing is not a condition to suing. NRS 41.036.
Punitive damages are capped, except for impaired drivers
Punitive damages require clear and convincing evidence of oppression, fraud, or malice. They are capped at three times compensatory damages when compensatory damages are $100,000 or more, and at $300,000 when compensatory damages are less. The trial is split into liability and amount, and the jury is not told the cap. NRS 42.005.
Against a driver who caused injury while impaired after willfully consuming alcohol or another substance, punitive damages are available and the NRS 42.005 cap does not apply. NRS 42.010. NRS chapter 42.
Stop, give aid, report, and file a written report within 10 days
- Injury or death: stop immediately and stay. Failing to stop is a category B felony. NRS 484E.010.
- Property damage only: stop, and move the car out of traffic if it is a hazard and safe to move. NRS 484E.020.
- Information and aid: give name, address, and registration, show your license on request, and render reasonable aid. If no officer is present and anyone was hurt or the accident was on a highway, report it forthwith to the nearest police or Highway Patrol office. NRS 484E.030.
- Written report to the DMV: within 10 days if anyone was hurt or killed, or damage apparently reaches $750. NRS 484E.070. Willful failure can suspend a license for one year. NRS 484E.080.
Rideshare drivers may not use or be under the influence of alcohol or controlled substances while on a trip or logged in. NRS 706A.290. Companies must report accident information to the Nevada Transportation Authority. NRS 706A.270. NRS chapter 484E.
Monitored autonomous rides need $1 million, and fully driverless rules are unsettled
Nevada’s rideshare law covers “monitored autonomous vehicle providers,” which must carry at least $1,000,000 while operating a monitored autonomous vehicle. NRS 690B.470(2). They are liable in tort the same as a human rideshare driver. NRS 706A.162. Testing an autonomous vehicle requires $5,000,000 of insurance, self-insurance, or a bond. NRS 482A.060. When a fully autonomous system is engaged, it is deemed to perform the driver’s acts. NRS 482A.200. NRS chapter 482A.
Chapter 706A does not apply to permitted autonomous vehicle network companies. Which insurance rules apply to fully driverless trips outside chapter 706A is unsettled.
Las Vegas, Henderson, and Reno run on the state permit
Rideshare companies need a permit from the Nevada Transportation Authority, which also takes consumer complaints. NRS 706A.110 to 706A.130, 706A.260. The main markets are Las Vegas, Henderson, Reno, Harry Reid International Airport, and Reno-Tahoe International Airport.
What decides which floor and which policy applies
- Whether the driver was logged off, logged in and available, had accepted a request, or was carrying passengers, and when the last passenger fully disembarked.
- Trip and login times, which insurers and the company must share in an investigation. NRS 690B.490.
- Whether the accident happened on the premises of a listed airport, for Uber’s $1,500,000 figure.
- Your own auto policy, including any uninsured and underinsured coverage you bought or declined.
- The driver’s personal policy, any rideshare exclusion, and whether it lapsed.
- Facts supporting any claim against the company itself, since vicarious liability is barred.
- Fault allocations, because more than 50 percent bars recovery.
- The accident date, for the two-year injury deadline.
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Pin down the app status, then check whose uninsured coverage applies
In Nevada, acceptance moves liability to $1,000,000, rideshare uninsured coverage is optional, and the company is not automatically liable for its driver. A free review can sort out which policies apply to your accident.