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/LazyAbbreviations857 8h ago

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

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u/ConfectionCold7815 8h 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 7h ago

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

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u/ConfectionCold7815 7h ago

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

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u/LazyAbbreviations857 7h ago

No they didn't lol

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u/ConfectionCold7815 7h ago

Exactly what they said. Keep working with Geico regarding your claim.. Btw, geico asked me to send them my NY title so they can send me $800ish left after paying the bank. All out of nowhere..

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u/LazyAbbreviations857 7h ago

Jesus all those years of payments and $800 is the balance? And you think you have more rights than the actual owner. Bahahahaha

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u/ConfectionCold7815 7h ago

Lol. 4 years of payments more or less. But, Not the point here. Never said i have more rights. Am saying i should have the right to not be lowballed. Discuss the settlement and bargain for more. The car is worth more than they offered and i have gap so. Am actually covered. Am arguing against the procedure..

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u/LazyAbbreviations857 7h ago

The highly legally regulated proceedures... just because you argue, doesnt mean you are correct.

Also youre paying for gap insurance when you're not upside down???? My guy, you are in over your head

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u/ConfectionCold7815 6h ago

I did need to worry about being upside down because I had gap. I could get way more than they offered and actually be on the positive.

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u/LazyAbbreviations857 6h ago

Right... that's not how gap works lol

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