So, my Acura last year about a month after I bought it was involved in a large accident (Sideswiped and the person who hit the vehicle drove off without stopping). Destroyed the entire driver side doors, rims, airbags deployed, not very good. Reported it to my insurance (Geico) and had it taken to a dealership near the accident. Took about a month to appraise it and damages were repaired a month after when I picked the vehicle up and payed the deductible.
Today, trying to trade it in and get my grandmother into a different vehicle (since I am giving it to her, wanted something with better mileage and newer), turns out the vehicle was considered a total loss (according to Carfax). I ask Geico what it was about since the damages were paid for and told me to talk to the dealership (which at the time was off, but whatever), and later the dealership who took care of damages called and stated that it was the insurance co. that dealt with it.
Looking through my documents online, it turns out that Geico indeed considered the car a "total loss", but also paid the dealership for repairs....
To make matters more interesting, the original bank I had it insured under made it impossible to see my current payoff or made it difficult to make a payment (not sure what that was about) and I ended up refinancing the vehicle through another lender, who approved of the refi in the first place.
How do I rectify this situation? Or am I SOL from this entire ordeal?
