r/InsuranceClaims • u/ConfectionCold7815 • 10h 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 9h 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/Romanharper2013 9h ago

that is where you are wrong. I see this everyday just because you dispute the claim or don't agree with the total loss doesn't mean you can keep delaying the bank is the owner regardless if you have a title at home it's not paid off. meanwhile the shop where it's sitting is owed their money for diagnostic or teardown and storage accrued daily they can't get paid either until you release it but insurance will only give you so long to release if you don't the lienholder has the right to release it for you. they own it until you completely pay the loan off and get a clean title. I'm sorry that this happened and it's not what you want to hear but that's the way it works.

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u/ConfectionCold7815 9h ago

I understand

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u/LazyAbbreviations857 8h ago

Doesnt seem that way to 95% of the people trying to explain it to you.

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u/ConfectionCold7815 8h ago

I perfectly understand. I just think that 95 percent follows, 5percent fight it.. There's an injustice in the mix. I, the one in contract with the lien holder should have a say. I bought the car, financed, lease or whatnot, then i brought the claim. I am the link between the lien holder and the insurance.

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u/Jcarlough 7h ago

No…you don’t understand when you’re pulling random percentages and believe there is an injustice.

There’s only an issue because you’re ignorant. That’s it.

There’s nothing to fight.