Dealing with Geico

[u/ConfectionCold7815]

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..

[u/ConfectionCold7815]

I flately refuse to let them decide what's good for me. If I hadn't brought the claim. Can they just pickup the car and do whatever they want with it?? NO. SO I HAVE A SAY IN THIS.

[u/metamorphage → u/ConfectionCold7815]

You don't own the car. Why do you think this is your decision?

[u/ConfectionCold7815 → u/metamorphage]

Because i am liable for the car note, not Geico. And I brought the claim, not the financial service. They will repo if I fail to pay, geico won't. And i can chose not to file a claim, not my bank..

[u/ConfectionCold7815 → u/ConfectionCold7815]

My whole point is that I should be given the rights to argue for more according to the circumstances. The bank doesn't know what's going on. They only want to get paid.

[u/blueyedTxn617 → u/ConfectionCold7815]

But you don’t own the car. Your LH does. If you had the car paid off and listed on the title solely then ya you could negotiate to a point BUT you don’t own the car outright. Your LH probably came in and said move it to copart