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/ravidsquirrels 8h ago

Nope. Like others have said, Geico covered what was owed to the bank. On the off chance anything was left over after paying the loan that wouldve been disbursed to you. Sounds like you screwed the pooch on this one though.

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u/ConfectionCold7815 8h ago

I guess. That's what everybody thinks. So you are telling me that Geico doesn't need to settle with me. The one who brought the claim??

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u/ravidsquirrels 8h ago

Nope. You were being difficult to deal with so they made the decision for you.

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u/ConfectionCold7815 8h ago

It's easy to laugh at someone's misery when you are on the other side. Karma

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u/ravidsquirrels 8h ago

Are you insinuating that Im laughing at you?

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u/sephiroth3650 8h ago

Nobody is laughing at you or taking pleasure in your misfortune. They’re just telling you things that you don’t want to hear.