Robert
Irvine,#2Consumer Comment
Tue, November 09, 2010
A deductable is what you must pay before the insurance "kicks in". The higher the deductable the lower the premium you would pay, a $500 deductable is about standard for comprehensive coverage. So not sure why you are claiming a RipOff here.
There is not enough detail to know exactly what is going on, but as for them leaving the car on the street. If they told you that your car would be fixed and they sent a $5148 check to the dealer, then GEICO is probably not to blame for this because they appeared to fullfill their obligation. If the dealer cashed the check and did not repair your vehicle then they are the one you need to go after.
As for continuing to have to pay your car note that unfortunatly correct as the car "note" is required to be paid even if the car is not drivable. Similar to the deductible if your policy includes a rental car then you should be entitled to one. However if you did not pay for rental car coverage then they don't have to give you one.
One thing that does not make sense is if the damage was $5100, I wonder what the car is worth. Because with that $5100 you could have paid off the $1700 and had about $3300 for a downpayment(or even full payment) of another car.