<prompt> Human: I recently switched car insurance to Geico. By truly unfortunate chance, I get into a wreck only a month later. It was late, I was exhausted, knew I probably shouldnt be out driving but needed groceries, and made a mistake. My fault, thankfully no one is hurt, but both cars are in pretty bad shape. I call Geico the next morning, and the claim examiner is a bit snippy because I dont have all the information she wanted, but everyone has bad days. I follow up and submit the rest of the requested information online.The claim gets filed, business as usual. I get a rental. Geico offered me a pretty good value for my car, almost replacement, so I dont bother to argue it. Once I clean out my car, I start the process of turning it over to Geico and hunting for a new car. Based on previous experience I expect that Geico will pay off the loan and deposit the remainder in my bank account sometime during the week.I get a few phone calls, but since I cant answer the phone while Im at work, I call back in the evening, and no one is available. I request email communication, but am told that they are not allowed to use electronic communication of any kind, which sounds pretty dubious to me. So, while Im trying to figure out what paperwork to submit and how, things get weird.Right before Easter the online claims process simultaneously shows that Geico paid off the remainder of my loan, while showing I still needed to submit the title and power of attorney to them. Additionally, the payoff amount listed is 1000 more than it should be, and my online lender account still shows it as active. Then, the rental company called to ask when Im going to turn my car in. My policy specifically indicates that I have rental for 30day for up to 900, but Geico said theyll only pay for five days after a total loss is declared. The 30-day limit is supposedly only for when a car is being repaired, even though I cannot find this stated anywhere on the website or paperwork. Tuesday after Easter, I skip lunch to call Geico. The Total Loss department pulls up my claim and tells me I need to send them the title. I told them I dont have the title, the lienholder has it, obviously. They looked up more information and mention New York is a something about title holders state, so you should have the title. _I am not in New York. I have never lived in New York. My car has never been to New York, much less been titled there._ I live in Ohio and am the registered owner of the car, with an Ohio drivers license, Ohio residence, etc. I was driving in Ohio at the time of the accident and had no passengers of any kind. There is no one else on my insurance policy. The car is titled in Ohio. Something is very, very wrong.The loan they paid off belonged to someone Ive never heard of, in the state of New York, and is about 1000 more than my loan. You would _think_ that the complete mismatch in all identifying information _might_ have sent up some red flags, but apparently not. However, Im told, they can send the adjuster to meet me this afternoon and cut me a check for the remaining portion of the insurance payout, and I can sign the power of attorney to release my car to them. More bullshit: Im told that I wont recieve the difference between what they paid on the other loan and what I owed until they get the money back from Honda Finance, never mind that the mistake is 100 their fault. But you know what, at least this is _part_ of what they owe me. I do briefly consider refusing to sign until they sort things out, but the power of attorney would need to be signed either way. According to the adjuster, when they looked the loan up with Honda Finance they only used the last eight characters of the VIN, and by chance someone else with Honda Finance had a VIN with the exact same last eight characters, and this is what caused the problem. He insists that its company policy that car rentals for total loss claims are only for five days after the car is declared a loss, and tomorrow is the longest he can extend it to, despite the fact that the claim isnt closedpaid out and my policy says I have rental coverage for up to 900 at 30day. I spend literal hours on the phone with assorted Geico employees trying to sort this out and doing some reasonably polite shouting, as well as checking in with Honda Finance to make sure things are moving on their end. 90 of the answers I get from Geico boil down to Were sorry there was a mistake, but theres nothing that can be done about it, youll just have to wait. I escalate to among others my adjusters boss, who finally sends me an email which says Geico will extend my rental to Monday today and theyll release the rest of what they owe me as soon as they receive a certified letter from Honda, but as of 11:30 Friday they have not gotten it. I check with Honda as soon as I get off work at 4, and they verify that it was sent on _Thursday_, but they fax it to Geico again anyway. I follow up with Geico and manage to get someone in Total Loss to retrieve the fax, but since its now 4:30 on a Friday, apparently theres no one available to authorize releasing the money to me. I dont receive it until Monday morning.Im frustrated but more than ready to be done with this, so Saturday I take my list of dealers and go car-shopping with a friend. My first choice turns out to be an excellent one, I get a great low-key salesman who listens to what I want and sells me exactly that, no upselling or pushiness, for a good price per all my research. They run my credit, and it comes back good, as I expect. All seems well, theyre ready to close the deal. But of course, it couldnt be that easy. My finances are in good order, but I dont have a lot of assets and my income is pretty low right now. The loan Im looking to take out is reasonable, or would be - if my old loan werent still showing as active on my credit history. So because Geico hasnt _actually paid off_ my loan, _I cant buy a car_. Today I spent far too much of the day in and out of phone calls, trying to get something sorted out but mostly just going through more rounds of pass-the-buck. I finally get a conference call between someone at Geico and someone at Honda Finance, but nothing is really resolved, just another round of Ill talk to my boss and see whats going on. Meanwhile I keep being told that only adjusters can extend rentals and that my rental has been extended as long as possible and they wont extend it beyond today, which means Im paying for my rental until they sort this clusterfuck out.Im pissed-off and tired and this is some rancid bullshit. I know I need to escalate, whats the most effective way to do this? How much is genuine fuckery I can call them out for and how much is stupid but inevitable corporate policy? Id like to at least get them to cover the the rental car until they clear my old loan, have some leverage tomorrow when I talk to very politely yell at someone at Geico about this, and potentially get some kind of apology for this run-around.  <response>: This doesnt mean your policy language doesnt say something different I couldnt find anything in my policy that said anything about my rental reimbursement coverage:Will GEICO pay for your rental? How long can you keep it?GEICO will pay for a rental if your vehicle isnt drivable and you have rental reimbursement coverage or other applicable coverage. You can keep the rental for 3 days after GEICO informs you that your vehicle is a total loss. The total number of authorized rental days depends on your circumstances. 