Hi guys. I am in New York State/City and I am looking at being out $8000+ by Geico and I am wondering if there is anything I can do.
Car A, B (me) and C driving parallel on highway. A rammed B into C and all captured by B's dash-cam. No airbag deployed or window cracked on any of the cars because the speed are around 13-20mph. All three cars are with Geico and all three only have the minimum liability coverage of $10,000. Geico determined A is at 100% fault.
Geico estimate my car at $13,700; repair cost at $10,543.96 ($10,043.96 net) and declared the car totaled. I have a trusted autoshop that says they can repair the car for $7,000 by using aftermarket parts and not charging $48.00/hr labor that Geico is using. I called the adjuster and he insist the car is totaled and it is illegal for him to make the car un-salvaged.
Car C only have its right side scratched and rear bumper bumped-off but the driver retained a lawyer and is hiding the car from Geico's adjuster claiming serious injury.
Because C is playing hardball Geico cannot tell me how much they can pay me. The way I see it, I can get $5,000-7,000 out of A's $10,000 but consider it will cost me $15,000 to get a similar car, I will be out a lot of money. If I can force the adjuster to not declare a salvage title, I can take the $5/7,000 and have the car repaired and still retaining its remaining warranty. Of course Geico cannot sell my car to rebuilders in this case so I understand why they want to force the salvage title.
Anyone have any idea what I can do to force Geico’s hand? Thanks.
Car A, B (me) and C driving parallel on highway. A rammed B into C and all captured by B's dash-cam. No airbag deployed or window cracked on any of the cars because the speed are around 13-20mph. All three cars are with Geico and all three only have the minimum liability coverage of $10,000. Geico determined A is at 100% fault.
Geico estimate my car at $13,700; repair cost at $10,543.96 ($10,043.96 net) and declared the car totaled. I have a trusted autoshop that says they can repair the car for $7,000 by using aftermarket parts and not charging $48.00/hr labor that Geico is using. I called the adjuster and he insist the car is totaled and it is illegal for him to make the car un-salvaged.
Car C only have its right side scratched and rear bumper bumped-off but the driver retained a lawyer and is hiding the car from Geico's adjuster claiming serious injury.
Because C is playing hardball Geico cannot tell me how much they can pay me. The way I see it, I can get $5,000-7,000 out of A's $10,000 but consider it will cost me $15,000 to get a similar car, I will be out a lot of money. If I can force the adjuster to not declare a salvage title, I can take the $5/7,000 and have the car repaired and still retaining its remaining warranty. Of course Geico cannot sell my car to rebuilders in this case so I understand why they want to force the salvage title.
Anyone have any idea what I can do to force Geico’s hand? Thanks.