Sorry for the harsh response, it's been a stressful subject. I knew it was a joke, just not the right time for me, lol.
Just caught me at the wrong time in a stressful situation. No hard feelings here.
Regarding legal action, we've got Geico fighting the battle now. They've stepped up fast. Car's getting totaled for just shy of 7 grand. They figured minimum of $5000+ in damages and gave her the option to have it fixed or totaled out. She's opted for totaling and we'll be car shopping tomorrow/saturday.
As far as fees go, right now she's only out the rental car and deductible so nearly ~$750. Still sucks, but it's an acceptable outcome for now. Hopefully Geico will reimburse the deductible once USAA pulls their head out of their ass and realizes the MIA client who hit 2 other people and crossed a median *might* just be responsible... One can only hope.