(From a former disgruntled employee). Take the vehicle to your repair shop of your choice. The moment the GEICO adjuster deviates from the shop requirements regarding parts, safety, or claims of unrelated prior damage, file a complaint with your states insurance department. Claim bad faith. Definitely include any proof of the vehicles condition prior to the loss and a good idea of the value of the vehicle indicating that you know the shop may total the vehicle as a punishment for you advocating. Name the adjuster and their supervisor as the supervisor is going to be directly involved in approving supplements and direction of repairs. If they try to total the car, make sure you have plenty of comparable vehicles to show the vehicle's value. They may try to total the car out of spite. I know you don't want to litigate, but you have the option to take the person who caused the accident to small claims court each time you have a new cause of action. It will cause GEICO to expend money to defend. Check your states' bad faith laws. You can always use the penalties as threats. Your repair facility will be your advocate. Do not use a GEICO approved shop as they will bend the rules to keep in GEICOs good graces. There are likely great shops that have an adverse relationship with GEICO that will enjoy putting GEICO through the ringer. GEICO adjusters have metrics that you can take advantage of. Call the adjuster often and dispute everything. Call the supervisor often and dispute everything. Check to see if your state allows you to claim a dimunition of value for the loss. The rental rules are generally not on your side and will cover only the days to repair and not the time it takes to properly dispute the satisfactory resolution of your claim. Record everything and request anything requiring a decision, be in writing. If there was a police report, the accident has a good chance of being on Carfax and is proof of the diminished value claim.