I was hit by a Lyft driver back on 11/17/2024. They didn’t check their blind spot and merged into me on the freeway. My car’s front bumper is cracked and messed up, I had to change that tire, and my windshield wiper fluid tank is cracked. I don’t have proof of the accident but I filed a police report as soon as the incident happened and I recorded the situation right after. I think it’s very obvious (from the damages and location of the accident) that her car hit my car. This problem became complicated because they were using a Hertz rental vehicle, not their own car. The driver gave me their insurance information and she claimed that she bought “extra insurance” to cover incidents. I come to find out, her Hertz insurance doesn’t cover the incident because she was driving for Lyft? And Lyft is now saying, “If we agree to pay for some or all of your property damage on behalf of our policyholder, we will only consider reasonable rental expenses, for a vehicle comparable to the damaged vehicle, and/or reasonable storage expenses for reimbursement.” Does this mean they will not be paying for any of my actual damages?? I unfortunately do not have collision coverage, I only have California state minimum requirement. I’m looking to switch but full coverage was just way out of my budget at the moment ($400+ per month). Please help :( I don’t really know what to do next. I’d appreciate any advice!!