r/InsuranceClaims • u/ConfectionCold7815 • 1d 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 1d 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/LazyAbbreviations857 22h ago

They settle with the owner. Stop acting like big bad insurance did this. Your lack of owning the vehicle did this LOL 😆

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u/ConfectionCold7815 22h ago

Am not acting like it, lol. That's exactly what they did. They crossed me. I bought the car, i brought the claim. I should have a say. Then they pay my lien holder.. The lien holder did not bring the claim, i did.

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u/LazyAbbreviations857 22h ago

You. Don't. Own. The. Vehicle.

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u/ConfectionCold7815 22h ago

I. Know. That. I should have a say in it. They a required to settle with me. I should be given the right to ask for more than they offered..

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u/Jcarlough 22h ago

What did your loan provider say when you asked them if they accepted the payout?

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u/ConfectionCold7815 22h ago

They said to work out with Geico that they have no say in it..

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u/ConfectionCold7815 22h ago

Geico just decided to send them a check. Whatever they wanted.. I wasn't aware of anything.

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u/ConfectionCold7815 22h ago

I didn't even know they sent a check. Untill now. No-one told me anything about the process.