As I mentioned in part 1, my car was hit by a drunk driver in the middle of the night. It had a lot of damage. To see that story, complete with pictures, you can click here.
To make a long story short, the person who hit me has Geico insurance and my experience with them has been very frustrating. They have questioned me and made me "fight" for every little thing that I am entitled to along the way. For example, they wanted to use reconditioned parts on my Nissan Murano and it wasn't until I threw out the lawyer word did they agree to use Nissan parts. However, my neighbor with the Lexus was given the green light for Lexus parts, no problem. Geico gave me a compact car for a rental and gave the other 3 people (whose cars were also hit) mid-size cars at no extra costs right off the bat. And yet, I had the largest vehicle out of everyone. Eventually, I was able to get a larger rental.
At first they told me that they were going to total the car, but then after a week, they changed their minds. Then after about 10 days of arguing with them, I made some headway, but still lost the battle. The damages were $13,000, but if they had been $14,500 they would have totaled the car. But now they are on the hook for the lifetime of the car for any repairs related the accident and when I sell the car for any dimished loss of value in the car. And lets not forget that they paid for a rental from June 16th to July 29th. I'm sure that was a hefty bill. It seems to me that Geico has been penny wise but pound foolish.
So, the first time I go to pick the car up, the lady at the body shop says that my portion of the bill is $265 for betterment costs of the 4 new tires. I was like "what?" Nobody told me about this. I said can we get the adjuster on the phone because I'm not paying that. My car was hit in the middle of the night by their insured who was drunk. The adjuster was unavailable. They wouldn't give me my car because I wouldn't pay the $265.
The next day, I speak with the adjuster, and she says that they will make an exception this one time for my inconvenience and they will pay the betterment. So, I go to pick up the car. I go meet my mom and nephews for lunch. When I come out the car starts but then stalls. But I was able to get it started. I thought it was something I did. So, on the way home, I stop to get gas. I turn the car off, fill up the tank, and when I go to leave, the car won't start at all. I call the adjuster, she gets the body shop to come get me and the car. Now, I'm right back in a rental, and my car is back in the shop. I had my car in my possession a total of about 1 hour.
After they have my car another 4 days, my car is ready again. Meanwhile, I forgot to mention that they never replaced the front grill which was damaged during the accident and they are trying to say that the damage was there prior to the accident. Again, after showing pictures of the accident, Geico conceded that they will replace the grill, but I could still pick up my car and they can do it at a later date.
Well, I finally have my car back in my possession for 2 days now. It seems to drive fine with local driving, but I took it on the highway yesterday and I thought it felt a little shaky once I got up to about 50 mph.
Oh, the trials and tribulations of dealing with insurance companies!