Sue the driver and owner. I did this a few years ago. "Other" driver was at fault and he was driving his girlfriends car. Got tired of dealing with it. Took him to court got a judgement and have been making his life miserable for the past 3 years. Have garnished his wages at 3 employers so far. Money was not the issue to me. Bastard actually told me to just let my insurance deal with it. Screw that. I am not one to "let it go".

5k covers the cost of the repairs without Lyft’s insurance paying anything.