I killed it , but I also died simultaneously , so perhaps I ' m not the best source of advice . <| sep |> The Vikes are really breaking thru this half <| sep |> If you watercured until the water was clear you should have zero smell <| sep |> Right now the estimate for damage is 15 k . But there can potentially be supplements . The repair cost CAN go up . It ' s absolutely a possibility . Let ' s put it this way examplesYou go through geico . Repairs end up at $ 15 k . Geico pays for it . Your DV plus loss of income is another 15 k who knows what it will actually be if any . Well , geico already paid 15 k so they only have 10 k left which means you get 5 k less than the full value of your claim . You go through geico . Repairs end up at 20 k . Your DV income loss is 15 k . There ' s only 5 k in limits left so you essentially get 10 k less than the full value of your claimYou go through geico . Repairs end up at 25 k . That ' s it . There ' s nothing left for geico to pay . Now . You go through your own carrier for repairs . Your deductible is idk this is a guess $ 500 . Repairs are 15 k . Progressive pays 14 . 5 but sends geico a demand for 15 k includes your deductible for reimbursement . You submit your DV and loss of income claim to geico . They value this at 15 k . Geico goes oh shit we only have 25 k limits but this claim is worth 30 k total . Geico decides to say hey progressive are you willing to reduce your subrogation lien by $ 5 k so that your insured can be made whole for DV and loss of income ? Progressive agrees to reduce their lien to $ 10 k so that geico can pay the other $ 15 k to you for your DV and loss of income . obviously no guarantee Progressive would reduce their lienThe benefit of going through your own carrier is that you get your car fixed under your policy , and then will allow geico to see the full value of the PD claim before they make any payments , and allows them to determine if they will have enough limits to pay the whole claim , or if there is in fact a limits issue and they try to negotiate with progressive in order to make you whole with the remainder of their limits . Obviously these are several what if scenarios and I ' m just pulling numbers out of my ass , but hopefully you get the point . You can do whatever you feel is in your best interest . I just think , in my opinion , it makes more sense to have your own carrier handle repairs .