RIDEGURU
I have been a rideshare driver for exactly a year now. I have 2200 with lyft and 2800 with Uber before joining the Lyft express rental program, Recently I was on my way for a scheduled airport ride when a rock came out of the back of a dumptruck in front of me, it cracked my windshield. I was scheduled for my 4 week inspection at the Lyft express office so I went straight there after the drop off. After the inspection, surprisingly I was renewed. When I asked they said I would have to pay (450) before the next inspection.
Depressed and frustrated I went to get quotes. One of the glass guy proceeds to tell me about a Florida State statute:
7288 Comprehensive coverage; deductible not to apply to motor vehicle glass.—The deductible provisions of any policy of motor vehicle insurance, delivered or issued in this state by an authorized insurer, providing comprehensive coverage or combined additional coverage shall not be applicable to damage to the windshield of any motor vehicle covered under such policy.
When returning to the Lyft express office they said I signed a loss damage waiver.?(don't remember signing) which I still don't understand. I fear that this is going to take me out of the ride share profession.
Any advice?
Adam
Comments
In Florida, does the insurance follow the vehicle or th driver? If it follows the driver like it does in Massachusetts and you have an auto insurance of your own, your auto insurance will cover and pay for that damage. (Your shop is right. In many states, there is no deductible for glass.)
If it follows the car, you maybe out of luck. Lyft obviously has an insurance on the car you are renting from them. However, they may not exercise their policy for the damage you caused. This is where you need to start reading the fine print and the rental agreement.
It looks like in Florida, the policy follows the car, which means Lyft rented you the policy as well
https://www.horizonins.net/does-your-florida-auto-insurance-follow-the-car-or-the-driver/
Lyft Express does come with physical damage insurance. I'm sure they have a comprehensive. The problem is how much the deductible is. This page talks to the coverage and also mentions the deductible being "up to $2500."
https://help.lyft.com/hc/en-us/articles/360001562707
Confusing thing? Glass may not have deductible. I would definitely talk to Lyft and see what they can do about it. Speak to multiple people at Lyft. I know the damage waiver thing makes it tricky, but...
I think Lyft is in the wrong here. Their insurance should cover this. As someone else pointed out their insurance is on the car in Florida.
My advice? Tweet at them about it. Make it a PR problem for them. These days companies will solve problems if they fear public retribution. Lyft, especially, since they yearn so hard to be the "good guy" compared to uber. So, give then the opportunity to be the good guy.
Twitter is the way to go. Twitter is like a mainline directly to a company's PR dept.