like a really low value. Their computer should pull all relatively similar comps and come up with a value and offer that amount. If they low ball you you can contest the valuation. I have done it many times for my clients and won most of them. Geico is not known to be generous in their claims by the way in my experience.

If they total the car and you want to keep it you can buy it back from ins company for salvage value. This amount varies depending on the vehicle, usually a vehicle of that age and value maybe 250-500 dollars. Once you "buy" it back you can have it repaired using the total loss payout you received for the vehicle. I have had clients beak even on this or been willing to pay extra to keep the car they knew and trusted verses buying something similar on the market.