06/17/2026
If you’re involved in an Uber or Lyft accident in Las Vegas, insurance coverage depends on the driver’s status in the app at the time of the crash.
🚗 App off or no ride accepted? The driver’s personal auto insurance typically applies.
📱 App on and waiting for a ride? Uber and Lyft may provide limited excess coverage.
✅ Ride accepted or passenger in vehicle? Uber and Lyft provide commercial liability coverage during the trip.
One important detail: rideshare companies may not provide uninsured/underinsured motorist coverage for passengers. That’s why having your own UM/UIM coverage is so important.