GEICO review: Complaining against geico auto

My 2012 Mercedes Convertible E350 was totaled by a flood. I submitted a claim GEICO confirmed the car being totaled. They then offered a settlement well below fair market values. They have offered $16,585 while the dealers they selected indicated that fair Market Value for this model car is $19,486 even though these dealers needed to move inventory and made offers below Market values for MOST USA Dealers. The comparatives they used were deficient, one car had 2 accidents and was towed as it was not operable. A dealer had a 3 star rating whereas I purchased the car from a 4+ star rated entity. Below is my recap of what they used and why these comparatives are frankly irrelevant, unfair, and corporate corruption. This was sent to GEICO with no response:

I pulled the car-fax reports and again I find GEICO'S efforts to propose the lowest price cars as comparable, rather than looking at fair market pricing even by the dealers they selected. If use GEICO's dealers fair market value statements,, the average fair market value they stated was: $19,486. If you take the average of most USA dealers the fair market values I found would be $21,199, if the average of the GEICO dealer's stated fair market values and the ones I found the average settlement would be $20,743, not the $16,585 GEICO offered.

These are the comparatives they selected and my comments to them:

A. Car: 2014 $16, 495

a. Accident reported: minor damage with another motor vehicle

b. Damage to left front

c. Damage to front

d. Accident reported: very minor damage with another motor vehicle

e. Damage to right rear

f. Disabling damage reported

g. Vehicle disabled

h. Vehicle towed

i. It was originally priced by dealer at : $18,995 (Oct 2023)

j. Their report states moon roof, sunroof while the car is a convertible so I find this dealer suspect and a car which had been so damaged it had to be towed and was disabled.

k. NOT A FAIR OR CLOSE COMPARATIVE!

B. $17495, 2012 white 75K mileage

1. Damage reported: minor damage

a. Damage to front

2. Accident reported with another motor vehicle

a. Damage to rear

b. Vehicle drivable

c. Dealer RATING 3.2, you keep going back to this dealer just to find a cheap price. Why use a dealer that cannot achieve a reliable 4+ rating as the dealers I provided for fair market value? It simple you simply want to low ball the pricing.

3. This dealer also states that the fair market value for these vehicles is: $19,978. If that is the case be consistent and use that dollar amount for the comparative values. This is your dealer stating the fair market value.

4. ORIGINAL Price: $19,985 (Nov. 2023) from this dealer. This is closer to the values I have found from reliable dealers.

5. Something wrong with this vehicle if they had to reduce below their own fair market value.

C. Car: $16, 995

1. This dealer states the fair market value: $18,995

2. Car appears in photos to have fender scratches and damages