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Message: [QUOTE="tbsimmons, post: 1439066, member: 2026"] Did you have Geico or does the person that hit you? It sounds like the person that hit your wife has Geico and had 25K in property damage. If the other party has Geicothen I hope you have full coverage or un/underinsured motorist. If not you are going to have to fight them, the driver not the insurance. If you have un/underinsured motorist then your insurance will pick up the rest because its not off your property damage, its based off the amount the other carrier pays. Either way tell ask them about replacement value. Dont know if your state has the same type of thing in SC but here its called Department of Insurance. They will try and weasel into KBB but if you demand replacement they have to pay you. All insurance companies are crooks. The claims dumb asses try and get out the cheapest possible and no matter if you have been with them for 30+ years, they don't care. Just that they can go to their boss and say I got him to take this amount under what he was entitled. I think they are used car salesman and just above a cockroach. [/QUOTE]

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