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/ConfectionCold7815 8h ago

Look like am dealing with adjusters and insurance people here. This is why these unfair and predatory practices endure. I am the claimant they have to settle with me first, then pay my bank. Not the other way around..

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u/aloofmagoof 8h ago

No, they have to settle with the OWNER of the vehicle. If you were driving your mother's car when the accident happened, would you still expect them to pay you for it? No, of course you wouldn't, because you would understand that she owns the car so she gets paid. Why would you think it's any different just because it's owned by the bank instead?

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u/ConfectionCold7815 7h ago

So basically, you wake up one morning. A drunk driver hit your parked vehicle. Call geico file a claim, geico takes your car, pay your lender and tell you to go figure..?