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Posting here for hope for some resolution before I choose violence. Dumbfuck scum crashes into my daughter's car in June. He's insured by GEICO. We file a claim, and everything starts great. Drop the car off, body shop says no worry of total etc.

Get a call a few days later, after already making arrangements based around having the rent car for the 2 weeks they said it would take, GEICO says it's totaled. Repair bill is $9100, they say car is worth $9000. I point out that we have a brand new engine in it with a 3y, 100k mile warranty, brand new cat converter, brand new fuel injection system. They bump up to $12,200 value, which would be a $9300 payout if I take the car. They won't budge off the total decision though. Why would they rather pay me $9300 than the body shop $9100 (and probably less than that under their contract let's be honest)? No clue, other than because it fucks me. 

Texas law and GEICO agree that no salvage title is needed, b/c the repairs aren't "100% or more of the vehicles market value". However, body shop says they can't work on the car once it's a total loss, even without a salvage title, and what's more, neither can anyone who works with GEICO ever again.

This is the biggest bunch of bullshit scam shit I have ever heard. It would be bad enough if this was under my own policy that I agreed to in the fine print. But this is this fuckstain's policy, if they don't like it, don't insure people too motherfucking stupid to not hit parked cars. Anyone have any tips or suggestions or a connection at GEICO who you can talk into not losing money just to fuck me? Or is it just self-help retribution time?

If they want to bump the value like that, but still total it, shouldn’t you be going for the $12k vice the $9k?

 

  • Author

The problem is that is losing the value of the brand new engine with warranty, new cat converter, new fuel injection system. Minus this labyrinthine bullshit about "no one will fix your car now because reasons" $9300 plus the car >>> $12,200 total and no car. 

7 minutes ago, TXSooner518 said:

$9300 plus the car >>> $12,200 total and no car. 

 

I get that, but that ship appears to have sailed.

Start going after their valuation, and maybe they leave the door open just enough to swing their decision the other way. 

  • Author

Theoretically they already should have since they will right now be paying me more to take the car than they would pay the body shop to fix the fucking thing. 

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