I hate our litigious society but this really does sound like something an attorney could sort out.

For a couple of years I managed an Urgent Care and could not believe the number of people who were unaware that insurance that saved them hundreds of dollars a year wasn't going to pay because they had a deductible or there was some other loophole.

 

Waste of time. It’s take it or leave it with GEICO.

 

Out of curiosity, who do people like better than geico?

 

State Farm

 

All insurance companies suck. They will all screw you if given the chance. Best thing you can do it pay as little premium as possible and switch companies every couple of years once your premium starts to creep up. Put the “extra” money you would have paid them into high yield savings for yourself.

 

same here.

 

Might as well take the money and go the salvage title route... though it seems that should be a comp or homeowners claim. Didn't know they totaled vehicles for stolen items. In any event, you started a claim so that'll stay on your insurance record even if you move to another company and/or choose to not accept the pay out. Geico and Progressive are both difficult to deal with on the repair shop end. USAA probably the best if you qualify. State farm was easy to deal with so long as you could provide a very detailed estimate. Do your homework on comparable vehicles in your area and stand your ground. It helps if you've been a long time customer... (maybe not with gieco and progressive)

 

I have recently had a very similar experience with Geico but with a very positive outcome.

10 days ago, the catalytic converters were stolen from my D2. Geico would not send anyone to examine the vehicle citing CV concerns. The adjustor told me to send photos of the damage, which I did. He then told me he planned to declare it a total loss, claiming the cats and 2 O2 sensors would cost $4000.

I protested and sent him a portfolio of evidence valuing the vehicle higher than he did. This included current D2 for sale ads from CL, Hemmings and eBay; copies of invoices and bills for recent repairs and maintenance; pages of online parts catalogues where parts could be had for much less; and photos of the vehicle exterior and interior showing it to be in excellent condition. I argued for the replacement value of the vehicle—what it would cost to buy one in comparable condition today—plus the money I had invested.

As a result, he agreed with everything I said, valued the vehicle much higher and did not declare it a total loss. Furthermore, the converters I recommended were on sale, but he billed Geico for the full retail price and told me to buy them at the sale price and keep the $300 difference to cover my $250 deductible.

I would encourage you to try the same approach. Although I was critical of Geico policy which settled the whole claim with no one examining the vehicle, I found my adjustor to be willing to listen and open-minded. He definitely put my interests ahead of his employer’s profit margin. The adjustor won’t do the research but you can present him with enough evidence that would justify a more generous payout and protects him from criticism from his supervisor.

Good luck.