Preheat the oven to 425 degrees(F).
In a large nonstick skillet, heat the olive oil on medium high. Add the onions and garlic. Then add the vegan beef. Break apart into crumbles with a spatula or wooden spoon. Sauté, reducing heat as needed, until the vegan beef is browned. 4-5 minutes.
Now add the black beans, smoked paprika, cumin, salt, chipotles and adobo sauce if adding. Stir to combine. Sauté for another 1-2 minutes.
Then add the tomato sauce, diced tomatoes and lime juice. Stir to combine.
Next add the water and stir to combine. Bring to a simmer, then reduce heat to low so it is just at a simmer.
Now, stir in the rice. Cover and simmer for 15-20 minutes so the rice is nearly cooked through. It should be pretty soft, but not all the way. Stir, taste and adjust the seasonings.
Now, sprinkle half the vegan cheese on top, then lay the tortilla chips on top of that, pressing them down slightly and top with the remaining cheese.
Bake for about 10 minutes or until the vegan cheese has melted and the top is brown. The rice should be completely cooked now.
Serve with your favorite taco toppings.