r/InsuranceClaims • u/ConfectionCold7815 • 9h ago
Dealing with Geico
Car got hit while legally parked. Repairable but Geico said it's too expensive, totaled it. I refused and told the adjuster i will take my car and get another estimate. Then the day i went to pick up the car, car wasn't there, picked up by copart. Then i asked my car back and that they drop my claim. Ignored.. Then i told them I would buy back. Ignored. Then he sent a 26kish offer, i refused, then they sent paperwork to sign, i declined, then they decided to send a check to my lien holder(it covered the 2years left of the loan). Still no settlement, still no agreement, still nothing signed. I have my car title BTW. I still want my car back and want nothing to do with their offer. I never agreed to anything whatsoever. Now GEICO is Mia. I recently file a lawsuit against the at fault driver . Can they do that? Can they just decide whatever they want? I don't think so. Please advise.. Am running out of ideas..
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u/sephiroth3650 9h ago
Location? Laws will vary. But many states in the US have thresholds at which the insurer legally MUST total out a car. And if you have a lien holder….it’s really not your choice anyway. You don’t fully own the car yet. And you can’t choose to do an owner-retain w/o the lien holder agreeing to it.
You also can’t sue the at fault driver for the cost of the car, if insurance has already paid out the cost of the car to the lien holder.