Contact your insurance company and let them handle your car and your wife. They care more about y’all than the other company ever will. They will settle with Geico on the back end

Contact your insurance company and let them handle your car and your wife. They care more about y’all than the other company ever will. They will settle with Geico on the back end

Some guys say I’m nuts but I deal with insurance claims fairly often and I’ve learned to just let a lawyer handle it especially if someone’s injured. I’m not a lawyer fan in general but I ran out of patience playing the games and the back and forth they love to play. When someone knows the ins and outs of what’s going on it most definitely helps you in the long run. I’m certain it causes all insurance premiums to rise in the long run but if insurance companies did the right thing up front nobody would have to resort to lawyers but unfortunately they generally only have one thing on books,,, save themselves money..

If they don’t total it make sure you get payed for diminished value on your car as well, the insurance company will fight this to the bitter end but I got a $14,000 check from an accident several months ago. Something most people know nothing about,

Not very good advice! It can cost you if you have any type of “no claims” discount on your policy and personal lines insurance companies seldom go through subrogation these days. Give Geico a chance to handle the claim in good faith, my claim was handled just fine by Geico. Claim service in general sucks these days but all companies seem to suck equally. Short staffed, back ordered parts, ect… can take a bit to close one out.

If the other party is OBVIUOSLY at fault, I would just let GEICO handle the whole thing. In a situation where someone else is OBVIOUSLY at fault and there is the potential of bodily injury being involved, the pother party's insurance should be most interested in doing what is right and quickly move to settle the claim. It's just the way it works. Speak with your agent and let them know about what is going on and seek their advice on the matter. if you were one of my clients, I would instruct you as follows:

Filing it with your insurance means you get the value of your vehicle minus the deductible and then GEICO will later pay that deductible when they all "settle up". In a case like you have described, this should not take very long. If your vehicle is not totaled and is to be repaired, allowing GEICO to respond will also provide for a rent vehicle while your auto is being repaired. If you have rental reimbursement coverage on your policy, this will be a moot point.

Your policy likely has very little coverage to respond to whatever it is that is going on with your wife. Maybe only $2,500. It is my hope and most often the case that the soreness in her neck (whiplash) will get worse this day, but will eventually leave her body entirely. Consult with a doctor, pay the bill and keep record. In addition, your insurance is company is not your arbiter on dealing with your wife's soreness with GEICO. Plain & simple, they don't have a seat at this table.

Make sure GEICO has your contact information. Do not rely on the other party nor the LEO to provide them with what is needed. If you have not already been in contact with GEICO, you need to do so now immediately and at this time. Police reports often come out a week after an incident and GEICO won't know who you are. Even when produced, these reports typically provide a mailing address and do not include specific contact info so valuable these days - e-mail address and cell number.

In addition and at first, the GEICO adjuster will be non-commital. Typically, they do not just swallow the sword, accept all responsibility and tell you to just go about and immediately start repairing stuff. Just be patient. This is because they have a due diligence to get al the information prior to accepting liability. Their "investigation" will include a statement from their insured, a statement from your wife and access to the incident report. Once liability is accepted, then matters should progress quickly.

So sorry you have to go through this. PM me if you have questions and I will help you as best I can.

Contact your insurance company and let them handle your car and your wife. They care more about y’all than the other company ever will. They will settle with Geico on the back end

I am in the auto industry and GEICO is the worst national car insurance company but they still have to follow the rules.

Best advice right here. DO NOT speak to GEICO at all.

GEICO is horrible for homeowners as well, Why anyone would use them is beyond me, I guess they save a few dollars, but they get bent over in the end by Gieco when they deny the claim.

Horrible advice. Let's get this done by being contentious seems to be the message and that won't work well and definitely against your better interests.

Horrible advice on your part. You pay YOUR insurance company to deal with their insurance company. Anytime I had a problem MY insurance company dealt with the other parties insurance company. Why do I want that headache. Carry on!