I’m sorry for your loss, surfer. I had a similar situation with my son. Geico piad in full on under our uninsured/underinsured coverage. It may have helped that we already had a lawyer.
I look out my work window and see the geico bldg. my co workers eat lunch there. their cafeteria is fox 24/7. progressive (hello?) is a liberal progressive org. never do business with them.