Were you injured in a car crash with a rideshare driver? Uber-related collisions are often more complicated than typical accidents, especially when it comes to determining insurance coverage and proving liability.
It’s no secret that the aftermath of a rideshare accident can be confusing, overwhelming, and stressful, but you don’t have to handle everything by yourself. Instead, let a Las Vegas Uber accident lawyer protect your rights and advocate for you throughout the entire legal process.
At Shook & Stone Injury Lawyers, we have over 150 years of combined experience. Since 1997, our attorneys have handled 30,000 cases and recovered more than $1 billion in compensation. As your Las Vegas rideshare accident lawyer, we are there for you—think of us as your law firm for life.
How Uber Works in Nevada
Uber operates as a transportation network company (TNC). Unlike taxi drivers, Uber drivers are considered independent contractors rather than employees.
This distinction plays a major role in the process of determining liability in the event of a crash. Nevada law also requires all TNC drivers to meet specific insurance requirements, including mandatory liability coverage that varies based on whether the driver is logged into the app.
It also matters whether or not they have a passenger in the vehicle at the time of the accident. When you contact a Las Vegas car accident lawyer, your legal counsel will likely explain these circumstances to you in greater detail according to how they apply to your circumstances.
Insurance Coverage in Uber Accidents
In the state of Nevada, insurance coverage following an Uber-related accident will depend on the driver’s status at the time of the crash. Your Las Vegas personal injury lawyers will handle the insurance side of things—including negotiations—on your behalf.
That said, it doesn’t hurt to know that there are three primary phases involved in Uber collisions, and each phase will trigger different insurance policies to go into effect.
App Off: Personal Insurance Applies
If the Uber driver is not logged into the app, they are considered a regular driver who is using their personal vehicle for non-commercial purposes. In this phase, only the driver’s personal auto insurance will apply.
In other words, Uber’s commercial insurance policy does not apply when the driver is offline. On that note, Nevada state laws require drivers to carry minimum liability coverage:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $20,000 for property damage
App On, No Passenger: Contingent Liability Coverage
When Uber drivers are logged into the app and waiting for a ride request, Uber offers contingent liability insurance. In Nevada, TNCs like Uber must provide the following minimum coverage during this phase:
- $50,000 for bodily injury or death per person
- $100,000 for bodily injury or death per accident
- $25,000 for property damage
This insurance is meant to fill gaps if the driver’s personal policy doesn’t cover the accident, but the driver must first submit a claim to their own insurer.
En Route or With Passenger: Uber’s Commercial Policy Applies
If the driver is en route to pick up a rider or already has a passenger in the vehicle, Uber provides its highest level of insurance coverage:
- $1 million in third-party liability coverage
- Uninsured/underinsured motorist (UM/UIM) coverage
- Contingent comprehensive and collision coverage
This coverage usually applies whether the injured person is a passenger, a pedestrian, or another driver involved in the collision.
Liability in Uber Accidents
A complicated aspect of Uber-related crashes in Las Vegas is determining liability. Multiple parties could share responsibility depending on the circumstances of the accident.
Here are some examples of potentially liable parties in Uber car crashes:
- The Uber driver
- Another driver involved in the crash
- Uber indirectly, in some cases
- A third-party entity, such as vehicle manufacturers or city agencies
Nevada follows a comparative negligence rule. This means that an injured party can still recover damages even if they were partially at fault for the accident, as long as they are not more than 50% responsible.
However, any compensation awarded is reduced by the injured person’s percentage of fault.
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Contact Our Uber Accident Law Firm in Las Vegas to Learn More
If you or someone you care about was hurt in a collision involving an Uber driver, you don’t have to deal with the aftermath alone. These types of car crashes can be complicated, frustrating, and overwhelming, but our Las Vegas Uber accident attorneys are here to help.
With Shook & Stone Injury Lawyers by your side, you can trust our Las Vegas Uber accident lawyers to understand the challenges that rideshare cases present and how to stand up for your rights. You deserve fair compensation, and we’re here to help you pursue it.
Don’t wait to take the next step. The sooner you contact our Las Vegas Uber accident law firm, the sooner we can start working on your case. We can help you hold the responsible parties accountable for the situation they caused.
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