Geico is big company and they are in business to make money. They are no worse than most other insurance companies. Auto insurance policies don't give the insured the right to refuse to settle. I don't understand what you are so angry about, frankly. By settling the case, Geico protected you from a possible personal liability. They would not have settled it if they did not believe you were at some risk to lose. They don't make money settling claims. Therefore they only settle claims when they think they have to, and they don't pay more than they need to.
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I agree with Mr. Brophy and, even if your position was correct, this is not the forum to post such opinions.
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I take it you are not happy Geico settled - I assume you got hit with a higher premium or assessment because Geico determined you were at fault.
I am a former federal and State prosecutor and now handle criminal defense and personal injury/civil rights cases. Feel free to check out my web site and contact me at (212) 385-8015 or via email at Eric@RothsteinLawNY.com. The above answer is for informational purposes only and not meant as legal advice.
Law suits are no fun. They may have done you a favor . In any case your contract with them no doubt allowed them to do this. don't slander them.
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Auto insurance companies do not give their insured the right to have any input on settlement. They can settle with or without your consent. I know you are upset, but they may have done you a favor. You get to avoid all the hassle of being a defendant in a lawsuit and your personal assets are likely protected by the settlement.