To top it off, State Farm misfiled some paperwork filing to the state about who was at fault, indicating it was my fault, resulting in me notified by mail I would lose a point on my license. 100% on me to appeal, escalate, and get it resolved. State Farm was not a bro and wouldn’t do any sort of advocating on my behalf during subrogation, and my several calls to Geico resulted in nothing but them telling me to submit my personal expense thru State Farm).
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So you knew the Geico driver was at fault, but you wanted to file through your own insurance where you pay a deductible and have no coverage for a rental car? I’m going to guess you also fought them on where you go to for repairs, while their adjusters found the shop was overcharging. I know this because I work in insurance and I’ve heard this sob story many.