Geico Insurance and Claim- need help!!!

Ok, long story short, a lady hit my car. she admited to the cops of running the red light. Geico has agreed to pay for damages.

I initially got a quote of about 1200. Geico adjuster quotes a little over 400. i went to the Honda dealership and they quoted me 1800. i call Geico back and they told me to talk to adjuster. i call the adjuster and he's here talking about old damages. it's not worth the fix. i dont care about the old damages. i bought the car used and have never gotten into an accident. lady hit me, she needs to pay for damages. they're telling me to go back to Honda and show them their estimate. i dunno what will happen from there, but what are my options?!?!?! the adjuster, first of all, didnt quote for original parts, which the adjuster over the phone said that they guarentee their parts and its all OEM. my car is screeching when i turn n Honda said something is pushing back onto the metals bla bla bla.

what the heck can i do? i feel so damn helpless, being sent back and forth. i just want this **** to be over. i'm so angry i just want to cry! why can they just cut the check so i can fix my car?! obviously that's why people pay insurance. i hate insurance companies.

please, anyone who has experience with this, what are my options at this point?
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The last couple times I was hit, I had an adjuster tell me how much it would cost to fix my car then they gave me a list of shops that would do the repairs for that amount of money. All the money was exchanged between the insurance company and the repair shop. Once, the shop found something that the adjuster hadn't caught and they went back and got it approved for repair. I was actually free to go somewhere else, but then I would have had to pay any difference in cost so it wasn't worth it.

Have you had any repairs done? Did the adjuster tell you where to go to get repairs for $400? What you need to do is compare what Honda says needs to be done with what Geico says needs to be done. The best way to do this is to take the estimate the adjuster gave you and show it to Honda.
The last couple times I was hit, I had an adjuster tell me how much it would cost to fix my car then they gave me a list of shops that would do the repairs for that amount of money. All the money was exchanged between the insurance company and the repair shop. Once, the shop found something that the adjuster hadn't caught and they went back and got it approved for repair. I was actually free to go somewhere else, but then I would have had to pay any difference in cost so it wasn't worth it.

Have you had any repairs done? Did the adjuster tell you where to go to get repairs for $400? What you need to do is compare what Honda says needs to be done with what Geico says needs to be done. The best way to do this is to take the estimate the adjuster gave you and show it to Honda.
Originally Posted by mrspoppers
I agree with MsP. I would also get your own estimates as well. I have only gotten my car repaired at their (an insurance company's choice) location once. They gave me a window that had scrapped tint on it, when none of my other windows had tint, and they also half-assed the door. I always tell the insurance companies that I will be having my car repaired where I decide. I send them my details and I act very authoritative.

But because of the disparity of the amounts of estimates, I would take the Geico estimate to the dealer and see what they say.

Don't just take your car to be repaired anywhere. Make sure you feel good about the place.

Sorry you were in an accident. It really is so much work to get things done right, even when you weren't the one at fault!

I've been in three accidents. Only one was my fault (the one that left me with the one tinted window). I have learned that I will fix it where I want.

I think that the other times, I have actually taken the car to my own place and had them deal with the insurance.

Don't let this drag on too long.... show them that you are not one to be reckoned with!

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Don't let them call the shots. This is why Geico insurance is cheap!! You tell them you are taking it to where you want to and they need to fight it out with the garage you are taking it to. Tell them this is not your issue and you expect it to be taken care of to your satisfaction. Have the adjuster meet you at the garage where you got the higher estimate and have the garage and the adjuster figure it out. Geico and the garage use the same quoting system so there is obviously some work the garage is saying that needs to be done that Geico is not including.
Central Massachusetts

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In regards to Vagazzling: They just want to get into the goods without worrying about getting scratched up by fake crystals. ~spring1onu~
CurlyMinx is totally right about taking your car where you feel comfortable. I was fortunate because the place I like to go to was on the insurance companies' lists.
Your post doesn't say who is insured with GEICO. Is it you or the other driver? If the other person is insured with GEICO, you may have the option of having your insurance company pay for the damages and it can seek reimbursement from GEICO.

If the other driver is insured with GEICO, contact your agent or your insurance company to report the claim. Let them know GEICO is jerking you around, and they should step in, do their own adjustment, and work something out with you. Ideally, it will become their responsibility to recover from GEICO.
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hey ladies. day.from.hell!

the other person has Geico. i have a second estimate from Honda and the adjuster was just acting all rude and what not. i know they don't price match!!! i just want my car fixed!!!!

more details tomorrow. i have paint in my hair and i'm watching glee
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i has no hair type? (medium, f-iii), normal porosity, LOW elasticity.
CG journey began 2/8/09 - 4-08-09.. and then mod cg 4/14/09 -... 03/02/10- Barely CG but I like CG products
wash with Low Poo or Poo
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style with - Ohm SHP; KCCC- BRHG or Boots- KCCC- BRHG; CIAB; CCCC
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GEICO isn't cheap & they make you do all the work!

Play hard ball with them. I hope you get this settled for what you're quoted & in short time. Good luck!

Last edited by lazy loops; 09-19-2010 at 01:05 PM.
I hate insurance companies. Shouldn't your insurance company being dealing with them?

Tell them to be fair with you or you'll hire an attorney. Maybe someone in your state attorney general's office can help.
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Oh heck! I just had a lady back into my car and she has Geico!!!!!!!!!!!! They already gave me a claim check for how much they think it will cost to fix and told me to call them back if their estimate is too low. I'm positive it will be too. We didn't get it fixed yet because my hubby had to travel for work and will be gone for a few weeks. I guess I know what I have to look forward to.
OK, my husband is an insurance agent (not with Geico, they don't even have actual agents which is why their rates are so low) so I know a little bit about this. While I definitely can sympathize with your plight, insurance companies also can't go giving every person in an accident whatever amount of money they want. Garages/dealerships overcharge to begin with (in general), and they need to meet somewhere in the middle with the insurance company. I'm not saying Geico is right - just that "right" is probably somewhere in the middle. I agree with mrspoppers to ask the adjuster for a list of garages they work with and get an estimate at one of those places. If you don't feel comfortable having the work done there, then compare the estimate to what you got at Honda.

I would hesitate to involve your own insurance company because even though the accident wasn't your fault, it may end up affecting your rates in the future. I will doublecheck with my husband on that.
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I've had two accidents that were the other person's fault, and in both cases I dealt only with my own insurance company. I went to a body shop that they deal with, so no arguments about the cost (they gave me a list to pick from, and I picked one I know does good work). My insurance company collected from the other insurance company, and my rates did not go up.

This is why I stick with State Farm. They are awesome.
feeling better about the whole situation today

so i have 2 other estimates that are priced way over the check Geico sent me (they did send me my check already). however, it is not enough. i'm really not trying to put the money in to fix the car if they are not going to reinburse me.

i went to honda and i am going to do another quote based off the quote Geico adjuster made. both places are on the same street. so if i have to, i'll call mister adjuster to meet me at Honda so they can talk it out (doubt that will work). the problem is, Geico adjuster is not a mechanic!!! there's something pushed in that causes my car to screech when i turn. scares the hell outta me, btw! i dont want to get my ins involved- progressive- because im scared that they will raise my rates even tho it was not my fault. ive heard they can do this.

i know im supposed to play hardball with these folks. but when i know nothing about cars, i really dont know what they are telling me or what is needed. in normal circumstances, i have no problem arguing and negotiating because im familiar with the situation. when it comes to cars, i know nothing. i just know i need it to be fixed, and they need to pay for it. why the hell do we pay insurance companies for if they dont wanna pay for repairs?!?!!!!?!?! fckers.

im close to hiring a lawyer just because this is ruining my life right now!! i hate loose ends. this is a loose end to me, and i can't stop thinking about it! i really wish i could, but i cant!

ugh now im mad again!! LOL.
para los gustos se hicieron los colores

i has no hair type? (medium, f-iii), normal porosity, LOW elasticity.
CG journey began 2/8/09 - 4-08-09.. and then mod cg 4/14/09 -... 03/02/10- Barely CG but I like CG products
wash with Low Poo or Poo
condition with GVP Conditioning Balm or CJ BC Daily, Loreal Color Vive for Color Treated Hair Thats Normal
Leave ins- Garnier S&S; Marrakesh oil
style with - Ohm SHP; KCCC- BRHG or Boots- KCCC- BRHG; CIAB; CCCC
Protein- GVP Joico K-Pak
Play with ACV
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When I've gotten estimates, they have been very detailed -- every single thing that will be fixed is spelled out clearly. If you get together with the adjuster again, show him the estimates and ask him why his estimate doesn't include those things.

I had a situation where the other driver wanted to avoid going through his insurance and had some cheapo guy who was going to fix my car in my driveway. As if! He was totally ignoring the fact that it was not just superficial damage to the rear bumper -- the bumper support brackets were mashed, and the body panel below the lift gate was pushed in.
You most certainly can involve your insurance company and not have impact it your insurance. I would call your Progressive agent and give them the scoop as to what is happening. But keep in mind your insurance company will also have an adjuster look at the car and determine what they will pay. Trust me when I say the insurance company and the garage use the same rating system to determine the cost. It has pretty come down that garages cannot over charge if they want any work. There may be a slight difference in the labor rate and that is where the insurance company will tell the garage this is what they will pay and the garage usually accepts it because they want the job. If the quotes are way off then something is missing from the Geico estimate.

I work for a decent sized insurance company and I would never raise or cancel a policy due to an accident that was clearly not the fault of my insured.

They determine fault typically by the police report-I am assuming one was completed????
Central Massachusetts

One good reason to only maintain a small circle of friends is that three out of four murders are committed by people who know the victim. ~George Carlin~

In regards to Vagazzling: They just want to get into the goods without worrying about getting scratched up by fake crystals. ~spring1onu~
My husband said that in NY, in your situation you could file a claim with your own insurance company and they will not raise your rates since the accident wasn't your fault. What would then happen is, your company would go after Geico for the money. Then, whatever percentage they get from Geico, that percentage of your deductible would be refunded to you. So, for example, if you have a $500 collision deductible, your company would pay for the repairs minus $500. Then if they got 50% of the cost back from Geico, you'd get a $250 refund on your deductible. Keep in mind though that you'd still have to deal with an adjuster or using the garage recommended by your own insurance company. No company will just blindly write a check without investigating/approving the repair costs.

ETA: My husband recommends having the adjuster from Geico meet you at the Honda dealership to take you out of the equation and let them work it out among themselves. If they can't reach an agreement, then he recommends involving your own insurance company.
Faith, 3Aish redhead
Mama to two wild superheroes and a curly-headed baby boy

Last edited by PixieCurl; 10-09-2009 at 08:22 PM.

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