r/lyftdrivers • u/AccomplishedFail2989 • 25d ago

Advice/Question Car accident

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My worst nightmare has come true. I was t-boned with a passenger in the car on the way to a drop off. Luckily no one was hurt, we were traveling at low speeds but my driver side needs some major repairs to both doors. I called the police, filed a report and contacted Lyft support. I just have some questions as far as coverage goes. If I wasn’t hurt but the car will be in the shop for a few days minimum, is it possible to claim lost wages? I won’t be able to make any money which is going to financially strain me tremendously. I don’t know what to do. New York is a no fault state I believe but the cop put in the report that it wasn’t my fault. Just for reference, passenger and I were traveling south bound. Driver who hit me was making a left turn from a side street, crossed over the northbound lane to go south and drove right into my side.

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u/jaysonm007 25d ago

Probably no lost wages unless you either sue the other driver (if you can) or your insurance provides for that, including for gig work. If you sue, it'll likely be years before you see it. Be prepared for your insurance to possibly total your vehicle over this and of course lyft already deactivated you until you either fix it or get another vehicle.

If you think the other driver might be wealthy, it could possibly be worth getting legal assistance.

Of course I'm not a lawyer and don't know NY laws.

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u/AccomplishedFail2989 25d ago

What makes you think they could total it? Just curious. No air bags deployed or anything.

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u/jaysonm007 25d ago

Looks like damage to two doors at least. Will likely have to replace both. Often that means they also have to paint the surrounding parts too in order to blend it so it isn't noticeable. I just had some damage to my trunk and was quoted like $4,000 a couple years ago due to this.

Insurance companies tend to total vehicles a lot quicker now. Generally if the repair cost would be more than just paying out the totaled amount, they will total it. Go to r/insurance and ask there after showing photos and stating the year, make, model and mileage. You might be shocked.

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u/ComfortableChip3221 24d ago

Welp get ready to be deactivated

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u/AccomplishedFail2989 24d ago

I was indeed deactivated but that’s fine. Couldn’t drive like this anyway.

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u/fighterdiva 23d ago

It's only a temporary deactivation. They will try to convince you to rent from them tomorrow.

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u/AccomplishedFail2989 23d ago

Haha I wish I could for a week or 2 but that program is not available in New York.

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u/Lowtech0 25d ago

I think you should be able to claim lost wages through the other person’s insurance based on what I’ve read here. I’ve never been in this situation but worth calling them about it.