Rideshare accidents · Las Vegas

Hurt in an Uber or Lyft? Whose insurance pays is the whole case.

As a passenger, a driver, or the person they hit — whether the app was on, off, or mid-trip changes which insurance policy applies. Untangling that is where this starts.

Call (702) 474-7554 Or tell me what happened →

01What this covers

Three ways to be in a rideshare case.

You were a passengerHurt in the vehicle you booked, regardless of who caused the crash.
You were the rideshare driverHit by another driver while working, where your own coverage and the app's coverage can both matter.
A rideshare driver hit youAs another driver, a pedestrian, or a cyclist — whether the app was on changes which policy responds.
Which insurance actually appliesThe driver's personal policy, the driver's own commercial coverage, and the rideshare company's policy can all be in play — and they don't want to be the one that pays.

02What Nevada law actually says

Three things worth knowing before you call anyone.

The clock is running.

In Nevada, you generally have two years from the date of the accident to file a personal injury claim — three years if it's property damage only.

Being partly at fault doesn't end your case.

Nevada follows comparative negligence. You can still recover even if you were partially responsible — your award is reduced by your share of the fault, not eliminated by it.

A fair recovery covers more than the ride cost.

Medical expenses, property damage, lost wages, reduced future earning capacity, and pain and suffering are all part of a claim — regardless of which company's insurance ends up paying it.

03Why call Ozzie specifically

Thirty years standing in front of Nevada juries.

Rideshare companies and their insurers are practiced at pointing to another policy first. Thirty years trying cases, AV rated by Martindale-Hubbell, listed in Super Lawyers and Best Lawyers, and named Consumer Advocate of the Year by the Nevada Justice Association in 2019 — that record is what it takes to make sure the right insurer actually pays.

Read Ozzie's full background →

04Straight answers

Rideshare accident questions.

How long do I have to file a claim in Nevada?

Generally two years from the date of the accident. If it's property damage only, three years.

Which insurance actually pays in a rideshare crash?

It depends on whether the driver had the app on, was en route to a pickup, or had a passenger in the vehicle at the time. Different coverage can apply at each stage — this is worth a direct conversation.

I was a passenger. Am I covered no matter who caused the crash?

Generally yes — as a passenger, you're typically covered regardless of fault, though which policy pays can still depend on the circumstances.

Do I pay anything up front?

No. You pay nothing unless we recover for you.

What happens after I call?

See the full step-by-step breakdown →

05Let's talk

Tell me what happened.

(702) 474-7554

Office hours, plus urgent calls after hours. If it cannot wait, call anyway and say so.

Se habla español.

601 Las Vegas Boulevard South
Las Vegas, Nevada 89101-6623
Ozzie@Fumolaw.com