I’ve never had any issues with Geico myself, but I also haven’t had major repairs needed either. I would pick the body shop myself and have the Insurance company pay them. This has worked out well - though there may be disagreement over time vs materials - my body shop wanted to buy a new panel to save time in repairing a dent - Geico told them to fix the dent. They did, it took a couple days extra but looked like new afterwards so I didn’t really care. That said, apparently it “saved” Geico $100. Which makes no sense to me as I would have thought the labor charge would have eaten it up, but I don’t set the prices or contracts the body shop has with various insurance companies.
OP has progressive
I know the OP has progressive, I was just commenting that maybe the reason I haven’t had issues is that I picked the bodyshop rather than going to the one Geico “recommended”. At least in NY you have the legal right to go to whatever shop you want.
I’ve had GEICO for decades, and never had a problem with the repair shops they recommend.
In OK one has the right to use any body shop they choose.
Granted, most incidents won’t be problematic but when there’s a conflict of interest it’s best to avoid that conflict.
I’ve used one of the companies mentioned and after they hosed me on a homeowner’s claim they were gone.
I assume the book value on a 2015 is still over $20000 so they arent going to total it unless the cost to fix it is more than what its worth on the books . It’s a tough situation to be in, i know I would never feel comfortable in it again if it took that much to fix it and it is still having issues .
The repair cost does not have to exceed book value to declare a total. It varies by state but generally speaking if the repair costs run 60 to 80% of the value the car is a total.
Here in OK it’s 60%. So if the repair costs were 12 grand on a 20 grand car value it would be a total loss.