My wife tells me that the 21-year-old woman we had the accident with was not insured with GEICO after all.
Our insurance company called my wife and asked her to obtain a quote for repairs. When it came in at $1,700, they stated that our minivan is a loss (i.e. it's totaled.) Its Blue Book value is just $1,200 and they are therefore cutting us a check for $1,000. The $200 difference is the deductible we have on our UNINSURED MOTORIST COVERAGE.
It's a good thing we have that or we'd be getting nothing. $1,000, though, sure isn't a lot of money. However, in going this route, I think we're going to be able to keep the van. The title will identify it as a salvage. We might have to buy the totaled minivan from our insurance company since I think they might own it if they pay it's entire value to us. I'll know more in a few days.
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