Quick Answer: Uber crashes in Las Vegas are covered by up to $1 million in commercial liability insurance during Period 2 (ride accepted) and Period 3 (passenger on board), written by Uber's third party insurers rather than Uber itself. The trip receipt and Uber's own data establish which coverage period applied, and both should be preserved immediately.
How Uber insurance actually works in a Nevada crash
Uber maintains commercial auto coverage through third party insurance carriers, not through Uber itself. Nevada law, NRS 690B.470, requires at least $1 million in coverage while a driver is providing transportation services, meaning Period 2 (ride accepted, en route) and Period 3 (passenger on board), and lower contingent limits of $50,000 per person, $100,000 per crash, and $25,000 property damage during Period 1, when the app is on and the driver is waiting for a request.
Two practical points follow from that structure. First, the insurer you deal with is not Uber. Claims are reported through Uber, but they are evaluated and paid by the carrier named on Uber's Nevada certificate of insurance, through that carrier's adjusters. The carrier has changed over the years, so we confirm the current policy at the start of every claim rather than assuming. Second, everything turns on the coverage period. A crash thirty seconds before a ride request is accepted is a different case, with different limits, than a crash thirty seconds after. The difference can be hundreds of thousands of dollars, which is why the app data matters more in an Uber case than in almost any ordinary collision.
For the general framework that applies to both platforms, see our Las Vegas Uber and Lyft accident page.
Reporting the crash in the Uber app
Uber accepts crash reports through the app itself: open the trip in your trip history, go to the Help section for that trip, and select the option for reporting an accident. The report is timestamped and tied to the specific trip, which makes it useful evidence of when and where the incident occurred.
Report facts: the location, the vehicles involved, and that you were injured if you were. You are not required to assess fault, estimate your injuries, or answer follow up questions from any insurance adjuster on a recording. After an in app report, expect contact from Uber's claims support team and then from the carrier's adjuster. Refer those calls to your attorney once you have one.
Your Uber trip receipt is evidence
The trip receipt Uber sends after every ride shows the driver's first name, the vehicle, the route map, the pickup and dropoff times, and the fare breakdown. In an injury claim it does something more important: it proves you were on an active trip, which places the crash squarely in Period 3 and its $1 million coverage.
Save the receipt email, and screenshot the trip in the app before anything changes: the driver profile, the route, the times. If you were a passenger, this handful of screenshots can settle the coverage period question before the insurer ever disputes it.
Getting your data out of Uber
Uber lets account holders download their own data, including trip history, through the privacy section of its website and app. That download covers your side of the record. The deeper records, driver app status, GPS telemetry, and acceptance timestamps, belong to Uber and generally require a preservation demand and legal process to obtain.
We send a preservation demand early in every Uber case so that the telemetry that decides the coverage period is not lost to routine retention cycles. If the case requires it, those records are obtained in litigation.
Why Sellouk Law for an Uber Claim
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Who can bring a claim after an Uber crash
Passengers in the Uber, occupants of other vehicles, pedestrians, cyclists, and Uber drivers themselves can each have claims, and each looks different. A passenger's claim usually rides on the Period 3 policy regardless of who was at fault. A third party's claim depends on the Uber driver's fault and app status. An Uber driver hit by someone else may look to the platform's uninsured and underinsured motorist coverage. Our rideshare overview walks through each scenario, and our Strip rideshare guide covers the tourist corridor specifically.
Frequently Asked Questions
Is Uber's $1 million policy always available after a crash?
No. The $1 million liability coverage applies only during Period 2 (a ride accepted, driver en route) and Period 3 (a passenger on board). During Period 1, when the app is on but no ride is accepted, lower contingent limits apply, and with the app off only the driver's personal policy is in play. Nevada sets these requirements in NRS 690B.470. Establishing the period from trip records is the first fight in most Uber cases.
Who insures Uber in Nevada?
Uber does not insure itself. Its Nevada coverage is written by third party commercial insurers, and the carrier can change from year to year. The certificate of insurance Uber publishes for Nevada identifies the current carrier and policy. Part of our work is confirming the correct carrier and policy period, then tendering the claim to the right adjuster the first time.
Should I report the crash in the Uber app?
Yes. Uber's in app reporting creates a record of the incident with the platform, timestamped and tied to the trip. Report the facts of what happened. Do not give any insurer a recorded statement about fault or your injuries before speaking with an attorney.
Can I sue Uber itself?
Uber classifies drivers as independent contractors, which generally limits direct claims against the company. In practice, the commercial insurance covering the trip is the recovery source, and it does not depend on proving Uber employed the driver. Claims directly against Uber exist only in limited circumstances, such as negligent retention of a driver with a known dangerous history.
What if my Uber was hit by an uninsured driver?
During Periods 2 and 3, Uber's coverage includes uninsured and underinsured motorist protection. If another driver caused the crash and carries no insurance or too little, that UM and UIM coverage may be the primary source of recovery for an injured passenger, alongside any coverage on your own auto policy that follows you as a person.
How long do I have to file an Uber accident claim in Nevada?
Most Nevada injury claims must be filed within two years of the crash under NRS 11.190(4)(e). Some situations shorten or extend that window, and trip data fades much faster than the legal deadline. See our guide on rideshare filing deadlines, and contact an attorney well before any deadline.
This page is for general informational purposes only and does not constitute legal advice. No attorney-client relationship is formed by reading this content. Insurance carriers, policy terms, and app features change. Consult a licensed Nevada attorney regarding your specific situation.
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