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Thank you for the link. I will begin with Small Claims court and report the result here. My case to smalls claims is as below.... (I won't repeat whole story again in this post, but simplified my point with hypothetical numbers... ) At-fault driver has a limit of 10k, and her insurance company...

adjusterjack: Thank you for comments. As above poster indicated, I think i have too much information to put in short forum concisely and for readers to consume it all... i will touch base with an attorney. Just as FYI, GEICO has been very good to me.... but do not forget, i have been paying...

United States[from wiki] Some states' statutes acknowledge diminished value and provide the ability for consumers to collect first party claims of DV from their own insurance companies under their own policies. Most states allow the consumer to collect third party claims from the at-fault...

pardon my quickly written post... with "Agent" I meant the person at GEICO that is handling my case. They have several stage process and people change at each stage... but now, my case is with a person that is responsible for final settlements. He has assured me more than couple of times and he...

I was t-boned by a careless driver, who then ran/drove away from accident site. She was flagged down few hundred yards away by witnesses and cops that happened to be driving past. All this is detailed in police report. Her insurance company immediately accepted full liability. Total repair cost...