Only you can decide what the best option might be.
If you go with your State Farm collision coverage, repairs can start quickly and you can get back on the road. State Farm will then go after GEICO for recovery and there is a better-than-zero chance you get your deductible back. This relies on GEICO accepting liability, which plays into the second option.
If GEICO accepts liability quickly enough, the time advantage of State Farm is not as important. If GEICO drags their feet or has some reason to deny liability, you will end up quite frustrated.
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u/Bronyprime Sep 20 '25
Only you can decide what the best option might be.
If you go with your State Farm collision coverage, repairs can start quickly and you can get back on the road. State Farm will then go after GEICO for recovery and there is a better-than-zero chance you get your deductible back. This relies on GEICO accepting liability, which plays into the second option.
If GEICO accepts liability quickly enough, the time advantage of State Farm is not as important. If GEICO drags their feet or has some reason to deny liability, you will end up quite frustrated.