What (specifically) coverage is Geico denying?
If, you have collision coverage, then they pay (minus) your deductible. Unfortunately, any payment under collision is considered at fault, (unless) the (responsible) party is known, then they go after that person or their insurance, to repay what your insurance pays and your deductible, so then considered not at fault.
This is NOT a comprehensive claim (no fault), since that only applies if you hit an animal, falling objects, hail, fire or flood etc.
If you have UMPD (uninsured motorist property damages) then that applies when someone damages your car that is (un-insured). But, if this is what you are claiming, then you nor your insurance can verify if, in fact that the other driver (responsible) has NO insurance, so you can’t claim UMPD. You can only claim UMPD, (if) you know who hit your vehicle and prove they have no insurance.
So, your vehicle was struck and you have no (clue) when/where it happened, or know only that you saw the damages.
Has anyone else drove your vehicle? If so, then they could have hit something and failed to inform you and it happens.
But, if they are saying that the damages “appears” to look like you or someone else hit a pole, then the damages if I had to guess was in the front/back and the damages are like a (V indented) (hard to explain), and also could have yellow/paint from a pole from hitting it. So put another way, take a look at the damages and see if they could look like hitting a pole vs a vehicle.
So, if still not convinced, you can file a complaint with the insurance department of (your) state, then your insurance company will have to answer the complain w/in 30 days of the reason they denied your claim.
Now, if in fact, you can validate that they did in fact deny you coverage that you felt was owed, then you contact a lawyer (in person) to determine if in fact they were wrong, and then the lawyer could sue your insurance company for bad faith (a big no no in insurance). But if the lawyer says I will charge you, means that you (don’t) have a valid complaint, but if this lawyer agrees with you, then they will do this on contingency, meaning they only get paid, if you do, since bad faith pays big, (if) you can prove your insurance company made a (big) mistake.
retired auto adjuster