If the tangent vectors of $\gamma_1$ and $\gamma_2$ are equal at a common point then they cannot be distinct geodesics (that point and vector serve as initial data to a system of ODEs, which has a unique solution). Therefore their derivatives are different at $y$.
If we assume $\gamma_1 \cup \gamma_3$ is smooth, the tangent vector along this path has zero covariant derivative, and at $y$ it is not equal to the tangent of $\gamma_2$ at $y$: $$ \gamma_2'(y) \
eq \gamma_1'(y) = \gamma_3'(y). $$
Apparently the curve $\gamma_2 \cup \gamma_3$ is not differentiable at $y$.