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Maybe I over-did the stupid pills today. Let me see if I have this right. You bought a new car, insured it through GEICO. Someone insured with Farmers wrecked your new car. You gather all pertinent info at the scene of the accident and make a claim with GEICO. They deal with Farmers, Farmers makes an offer to repair or replace your vehicle (to the dollar amount as reflected in the Kelly Blue Book price). GEICO advises you. End of story. Why are you having to do anything here but wait for the adjusters to slug it out? You've paid GEICO regular premiums, now it's time for them to do their jobs. What am I missing?
@jsn55 Nobody would like to have an accident history for 5 days old car. so I just listed out all the possible options for the suggestions.
Yes, Geico is advising to repair that car, but I want it to be totaled as the repair cost($20000) is 70% of my purchase value ($25000+ tax $3000).
If the repair cost is around $10000 to $150000, It would be as simple as you mentioned.
I am not sure why you would be on the hook for all this, unless you are taking an abnormally long time to decide. Body shop deserves to be paid for their time and storage, but I think insurance should cover this, at least for a few days on the storage.
Wait a minute, you're trying to get Geico to total out your car, but you were going to sell it after you get the check? Once you agree to totaling out your car, you would no longer own the car. The insurance would. Or am I missing something?