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How long you wait to recover is up to you and Geico. Once they cut you a check, it's their problem if/when it turns up.

OP has no comprehensive insurance, Twitty. She can proceed at whatever pace her judgment dictates. Given that I have no experience with "giving up hope" in this type of situation, I can offer her no advice. I can only say that my own pace would be determined by how badly I needed a car.
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