I don't think I've ever seen a $3000 lower unit. What does your policy say?
But, that does sound right for GEICO. They have to pay for all of those television ads they run every night.
2015 Seaark 1872 MV CC Etec-90
Two Helix 12 CHIRP SI's, , MinnKota Riptide ST80/i-pilot Link, Bob's Hydraulic
2018 Robalo R180 CC, Yamaha 115
Bitter Gun Owner