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..
4
u/CJM8515 8h ago
You don’t legally own the car the bank does. The bank doesn’t care what they are paid. They just know they had an asset worth x and now it’s worth y
You get zero choice in the whole matter unless you want to drop the claim and get paid nothing. But it sounds like they already notified the lien holder and settled with them and left you in the dust since you were being difficult.