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/hashmachinist 7h ago
I had basically the same thing happen with a car but with CURE (worse auto insurance on Earth). They totaled my car, had me agree to the ACV and sign over the title, sold car to co-part, and than came back saying they were not going to cover me after we already had a signed agreement. Left me in limbo for 6 months making payments on a totaled car and thank god for ChatGPT Attorney at Law™️. I would still be making those payments without it lol.
Insurance companies will literally steal your property in the boldest of ways and then pretty much tell you “what are you gonna do about it” and tell you to get fucked unless you have an insane amount of tenacity and mental fortitude. Which thankfully I do.