What could one claim for pain and suffering.
You can "claim" anywhere between a dollar and a gazillion dollars. What you'll be offered, if you are offered anything at all, is a few hundred in go-away money.
Your neighbor's diagnosis and treatment suggestion isn't worth a nickel. If you can't understand why, I don't know what to tell you.
As for loss of income, well, I suspect you can still do your IT work while resting your knee. So you'll have a hard time justifying any loss of income.
How could GEICO counter my claim?
One way would be to counter that you were negligent in walking out in front of a moving vehicle, maybe going against the light, whatever.
Another way is to just dispute the amount of damages you claim. Were I the GEICO adjuster I'd offer you a couple of hundred for a signed release and send you on your way. You haven't won the personal injury lottery.
Here's some guidance. Get yourself checked out by a proper medical professional, X-rays, medication, etc, and then maybe your claim will be worth a few hundred more than it is now, maybe a lot more if the impact did some real damage. Knees are easily damaged. Don't mess with this.
