The teen driver is at fault. My accident happened in Nov. 2015. Lady pulled out from a stop sign on front of me. I didn't hit her, but I hit the street and broke my arm. Doesn't matter what the insurance company decides, sue. And when you win, insurance has to cover the teens liability. I settled after 3 years of dicking with insurance.
I don't know the legality of the incident, but Geico sucks as an insurance company. They usually have low rates but they do "F" you when ever they can. I dropped them several years ago and will never go back.
National Windshield - Modified
Cobra Light Bar
Hard Krome ? Pipes - 2 1/2"
Engine Guard - 1 1/4"