My car was hit by a car that was insured by Geico Insurance and
Geico says my car is totaled. They offered to give me much less
than what it would cost to replaced my car and then said I could
keep the car for the highest salvage fee I have ever heard of for a
totaled car. It was an obvious low ball tactic to save money.
I have already talked to several body shops who estimated the
salvage value of half what Geico wanted.
I have no job and can not afford to buy another car, so the tactics
of Geico would leave me without a car to go along with my
unemployment. Then they tried to get me to use my insurance
which would mean I would pay a large deductible and my insurance
premium would go up when I am not at fault. Their last words were
to have my lawyer contact them. As if I could afford a lawyer. in
other words they low balled me on purpose knowing I would not
accept their offer. They are hoping I choose to use my insurance
and they will pay nothing.
One thing is for sure.... being frustrated will not solve anything for
you. You need to either:
1. Use your insurance
2. Take GEICO's offer
3. Take GEICO to court
If you choose the court option (which is probably the best choice), it
would be best to have a lawyer. Depending on your state's laws, and
the worth of your car before it was ruined, you might be allowed to go
to court without a lawyer (small claims court). If you have your
title, the police report, NADA and Kelly Blue Book (for value
documentation), photographs of your vehicle before and after, etc.,
you might be able to do all right by yourself. Still though, I would
consult an attorney. Spend a $100 for a consult with a pro.
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A mistake on your part!
When something as severe as this happens, contact YOUR insurance compny and
let them handle it! That is what you are paying them for!!
My wife was in an accident and I just turned it over to our insurance
company. We got paid more than average value, plus bought the car back for
peanuts and salvaged it out myself. I made out like a stinkin' bandit on it,
and my rates did not go up! We had the car for less than 6 months, I got
paid back more than I paid for it, and sold it a week later complete for
$750 more than what I paid for salvage value!
Talk to your insurance agent.
My 81 Toyota pick-up was rear ended and totaled.
My insurance paid me then went after the other persons insurance
company. When my insurance co. was paid I got my deductible.
My rates did not go up because the other driver was 100% at fault.
Geico doesn't owe you one thin dime. Their offer is simply an offer to
settle in lieu of suit.
Find a shop or dealer who will go to the auction and buy the car back for
you, if you honestly feel this way.
If you really believe you are at 35% or less at fault, then use your own
insurance company. They will get your deductible back for you.
This is a key phrase we use in the claims business to indicate that you are
now being unreasonable/argumentative/emotional, and we do not wish to
discuss the matter with you any more. I use it a lot. I'm sorry to say
this, but it's true. When someone even mentions contacting an attorney, I
assume immediately they have "lawyered up", and I practically beg them to
please have their attorney call me. Contrary to popular belief, it is much
easier to deal with a law professional in these situations than to the
You CAN afford an ENTIRE TEAM of lawyers... they work for you at a place we
call "your own insurance company" to which you have been paying premiums.
Unfortunately, you have no contract with Geico, and their duty is to defend
their insured and to minimize any claim payment to third parties, within the
bounds of good faith (especially when serious injuries are involved).
Substitute ANY insurance carrier for "Geico" in this thread. Be careful
that your slamming them here does not subject you to libel/slander
The previous posts are correct. File a claim with your insurance company
and they will collect the deductible for you once it is determined you were
not at fault. Make sure that you are clear with your insurance that you
were not at fault. Put everything in writing.
I once was hit by someone in a car I had no collision insurance on. The
damage was minor but I filed a claim with the other guys insurance. They
offered me half so I took them to court. I used no lawyer and I won. The
claim was small so if the damage is low enough (like under 5 or 10 thousand)
take them to court.
In Canada, we have Toronto Dominion Meloche Monnex. They beat Geico
hands down. No other insurance company can here in Canada can compete
with them. It is all owned by the largest and most reputable bank
company in Canada. I am switching over to them in a month when my
insurance contract is over with the previous best rate ( ING Western
Union ) I had ( $130 lower once I sign up with MM. Mind you, I am 27
and only one year of driving record and a brand new car). The point
being, I am sure if you look around and do some good research, there
are lots of very good companies with competitive rates and good
coverage down there in the US.
The US insurance companies have a tool:
It's called the: McArren-Fergusen act, and the insurance companies have ben
anally penetrating the American public with that loophole since about 1948.
In Canada, the government must help the people with insurance laws, in
America. One law is created to fix a bad law, then creates another three
loopholes so the insurance companies can gain access to our colons again.
My Garage Keeper's Liability is going to drive me out of business at the
This is why you shop around for car insurance, and do your homework.
As others have already posted, by and large insurance companies are
not your friend, they are only looking out for themselves. I strongly
suggest once you get this crap squared away with Geico you look
elsewhere. I've heard good things about USAA if you can get them, and
personally I'm with Erie Insurance (if you can get them) as they only
offer to good drivers. Erie gave me the 25 year old rate when I
turned 24, saved me a TON of money vs. Liberty Mutual (and yes, they
are scumbags). I called LM to see if they could match Erie's rate.
"Oh we can't TOUCH that". So I said, Ok, bye! Now my insurance bill
is due every year on my birthday. Not the best b-day present to
receive every year but thank goodness for b-day money ;)
I've never had an auto claim outside of glass with Erie, for cracks,
plus a replacement winshield, but there were never any problems. I
also had Erie business insurance for awhile when I had office space
and a pipe burst, ruining lots of computer equipment. They agreed to
play by my rules, and paid promptly. Unfortunately we never got our
$200 deductible back, because I don't think the plumber was insured :(
Sorry to say this, but you get what you pay for. Geico and SafeAuto
have very open-ended contracts and that's what you agreed too.
I never understand why people would opt to save a few hundred a year
when it's so obvious if something happens they're screwed.
Give the guy a break. He didn't pay for or agree to anything.
The person who hit him used Geico, not him!
FWIW, I've found that, if you still have collision on your car, your
insurance company will help out. If you've dropped collision, you're
on your own, since your insurance company has no liability.
Of course they did. The best they will do is offer you market value
for the vehicle that was totalled. They aren't going to total your
year-old vehicle with 30,000 on it and give you a brand new one. Best
you can hope for is a used replacement that is as close as they can
ALWAYS buy gap insurance if you are financing.
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