Whatever car insurance you have, don't get Geico

[waterwatcher123]

3. Insurance Companies Are a Necessary Evil - They Make Money by Denying and Minimizing Claims

Assuming you live in a state that accepts diminished value claims, ask your claims agent at Geico who you should contact regarding a claim. It may make up the deductible they are charging you. The diminished value is related to the history that accompanies any car through its VIN number (accidents and repairs follow your car similar to your medical history). You might have to get an appraisal or provide some documentation on what you think is the diminished value. Once you have your case assembled, send a demand letter to Geico asking for reimbursement for the diminished value (let Geico worry about recovering it from the other insurance company). If you send them a letter or email, make sure that you have proof they received the materials (they have a tendency to "lose" documents.

Our son had his car stolen twice in a month from the parking lot of his apartment. We had to pay two deductibles to repair the damage to the car (damage not repaired before it was stolen again).