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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.
 

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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.
 

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I had a minor accident, backing up less that 3 mph in a parking lot no police reports or fines, and in my car not insured by Geico. Yet Geico raised my M/C rates almost $200 for the next year.
 
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