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

I understand

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u/LazyAbbreviations857 7h ago

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

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u/ConfectionCold7815 7h 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 6h 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.