If you were hurt as a passenger in an Uber or Lyft accident in Nevada, a 2025 law called Assembly Bill 523 changed real parts of how your claim works, and most victims have never heard of it. Here is what actually changed, what did not, and what Nevada law says about your rights.
The $1,000,000 Policy, and What Changed About It
Nevada requires Uber and Lyft to carry commercial liability insurance once a driver accepts a ride, continuing through the entire trip. Before October 1, 2025, that required policy was $1,500,000. Assembly Bill 523, which took effect that day, reduced it to $1,000,000.
The $1,000,000 figure is still real, substantial coverage, and it still applies the moment a ride is accepted, covering you as a passenger regardless of who caused the crash. But it is $500,000 less than what the law required before AB 523, and most people assume Nevada's old, higher number is still in effect.
AB 523 Also Changed Who You Can Sue
The coverage reduction is only half of what AB 523 did. The law also limited when you can bring a claim directly against Uber or Lyft as a company, rather than against the driver and the commercial insurance policy. As long as the required $1,000,000 policy is in place, the rideshare company is generally shielded from direct liability for a driver's actions, a legal concept called vicarious liability.
In practice, this means most Nevada rideshare claims now proceed against the driver and the $1,000,000 commercial policy itself, not against Uber or Lyft as a company. There are exceptions, such as cases involving negligent hiring or a defect in the company's own policies, but those require a separate, independent basis for the claim beyond the driver's conduct alone.
Nevada's Modified Comparative Negligence Rule
This is where Nevada law differs meaningfully from California and Arizona. Nevada follows a modified comparative negligence rule under NRS 41.141, sometimes called the 51% bar rule. You can recover damages as long as your own fault is not greater than the combined fault of the other parties, meaning 50% or less. If you are found 51% or more at fault, you recover nothing at all.
For rideshare passengers, being found at fault for your own accident is uncommon, but the distinction matters if there is any dispute about your conduct during the ride. Unlike California's pure comparative negligence system, where you can recover something even at 99% fault, Nevada has a real cutoff point where your claim is barred entirely.
The Uninsured Motorist Gap Most Riders Do Not Know About
Nevada does not require Uber or Lyft to carry Uninsured or Underinsured Motorist (UM/UIM) coverage on their commercial policy. This matters specifically when a different driver, not your rideshare driver, causes your accident and that driver has no insurance or not enough to cover your injuries. In that situation, the rideshare company's policy will not help you, and you need to rely on your own personal UM/UIM coverage if you have it.
If your Uber or Lyft driver caused the crash, this gap does not apply to you. It only becomes relevant when someone else is at fault and underinsured.
How Long You Have to File
Nevada's statute of limitations for personal injury claims is two years from the date of the accident, under NRS 11.190. In practice, evidence disappears well before that deadline. Surveillance footage from Las Vegas casinos and traffic cameras is typically overwritten within 30 to 90 days, and your own Uber or Lyft trip data can be deleted on the company's own schedule. Acting early, including requesting your driver logs through RideClaim at no charge, protects evidence that two years of legal deadline will not.
What This Means for Your Claim
Nevada still requires real, substantial insurance behind every active rideshare trip, and that has not changed. What changed in 2025 is the size of that policy and who you can bring a claim against directly. Combined with Nevada's 51% fault bar and the lack of required UM/UIM coverage, the details of how your specific accident happened matter more in Nevada than they do in states with simpler, more forgiving rules.
RideClaim's AI tool analyzes your accident details against thousands of real rideshare settlement outcomes in about 60 seconds, with no phone number or email required, so you can see where your case likely stands before talking to anyone.