Just thought I'd share my story in case anyone cares... I just dropped off a passenger from a Lyft ride then this happened. https://www.facebook.com/video.php?v=10213218834124361 It was just a baby deer, and I was only going about 35mph. The deer survived and ran off. My car not so much. It's a 2006 Cadillac SRX, loaded with all the goodies... About 139k. I have Geico Commercial Rideshare insurance with Full coverage, $1000 deductible. Appraiser put it's value at $5300, and he estimated the repair would cost $4200. So it's totalled. They're gonna cut me a check for $4300. I found an '08 SRX, black in and out, also fully loaded plus a 3rd row seat for $7500. I'm planning on buying that. So that Lyft ride cost me $3,200. I didnt even bother with a Lyft insurance claim, since there was no rider, and their insurnace is contingient upon my own insurance denying the claim. Having the rideshare insurance was nice that I didnt have to deal with any BS back and forth. If I didnt have rideshare insurance, then in the same scenario, my claim would have been denied, my insurance probably would have been cancelled too, then I'd have to go thru Lyft's insurance, would probably would have only paid me out about $2800.... So I'd have been out of pocket for $4,700 instead. So that's good. My one regret was not asking Geico a bit more questions when I first bought the policy. Had I known I could have gotten a $250 deductible instead of $1,000, for about $2 more per month, I'd have done that. Then Geico would have paid me out ~$5050 instead. By the way... My rideshare insurance with full coverage thru Geico only costs a few dollars more than their regular personal auto insurance. I'm glad I got it. I also got the towing coverage as well as Rental reimbursement ($50/day, $1500 max)... So I do have a car to get around in for the next month or so until I get the new Caddy, but I can't rideshare in it in the meantime. Now I just gotta deal with being off the road for a month or so.