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Misleading policy coverage
Posted by KaiTso on 03/02/2010
When signing up for Geico Auto Insurance coverage, the policy information is misleading, which ultimately caused me to choose the wrong coverage and pay out-of-pocket when I was a victim of a hit and run.

Uninsured Motorist coverage vs. Collision coverage

Geico will not allow both uninsured motorist coverage and collision coverage simultaneously - this is fine, because it prevents unscrupulous clients from trying to claim twice on the same incident. However, the big issue I have is that the uninsured description is misleading, to say the least. The description on Geico's website for the uninsured coverage is:

"Uninsured Mororist Property Damage pays for damage to your vehicle caused by an uninsured driver or in many cases, a hit-and-run driver. There are a number of common exclusions to this coverage that will be detailed in your policy"

On the other hand, the description hidden in the policy is:

"Uninsured Motorist Property Damage Uninsured Motorist Property Damage pays damages you are legally entitled to recover because of damage to your insured vehicle caused by uninsured motorists. There is no coverage if the owner or operator of the uninsured motor vehicle cannot be indentified or the vehicle cannot be identified by license number. This coverage will pay a maximum limit of $3,500 for any single accident. "

Let me ask you this - how many hit-and-run drivers are found? I would confidently wager that it is not any kind of majority; therefore, how can Geico say that "many" or "most" (depending on which part of the site you are looking at the description) hit-and-runs are covered? Had I understood this in the beginning, I would easily have chosen the COLLISION coverage over the uninsured motorist / uninsured property coverage. I've been wasting my money assuming that my beloved BMW was covered for any damage, caused by myself or anyone else, and I am crushed today to find out that this was not the case. I feel as though I've been paying my dues for literally nothing.
     
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Posted by goduke on 2010-03-02:
Must be a state by state thing. Everywhere I've lived I've had full coverage (which includes collision) as well an uninsured motorist coverage.
Posted by skelly39 on 2010-03-02:
Sounds like California. A hit-and-run driver does not qualify as an uninsured motor vehicle. Your agent should have explained your policy to you. And you can have both collision and UMPD. Your agent should have explained that, too.
Posted by momsey on 2010-03-02:
I will hazard a guess that the OP did not go through an agent. I've never used an insurance agent, I always go directly to the company. And a company like Geico makes it so easy to apply and sign up online, there's not even a need to speak to a human.

It's so easy, a caveman can do it!
Posted by skelly39 on 2010-03-02:
Good point, momsey.
Posted by KaiTso on 2010-03-02:
Thanks yes - I spoke to the agent again and it appears to be a state-specific rule for California, that you cannot have both UMP and Collision. I hope this information is useful for anyone getting insurance in the future
Posted by KaiTso on 2010-03-02:
Yes I signed up online, there is the description for UMP which I posted, but there is no description for Collision (link was broken, and still broken when I checked earlier today) It was simply a matter of being informed - if it says that most hit and runs are covered, I would assume most hit and runs are covered. I would prefer on the main page that it says that if the driver or vehicle cannot be identified, UMP will not cover it. This would have made it very clear to me to choose collision over UMP, whereas they appeared to be very similar. The choice was mine, and I chose the wrong one based on the information available to me.
Posted by saj80 on 2010-03-02:
Thanks for the feedback. It appears you are taking full responsibility for this, and only wish Geico would be more forthcoming on their website regarding insurance coverage in certain states. It is always refreshing when someone takes personal responsibility, and this information may prove to be useful to someone living in or moving to California. Nice post, and good luck.
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Geico Sucks on insurance cancellation
Posted by Garfield5 on 01/05/2006
HARVARD, MASSACHUSETTS -- Today I received 2nd letter from ACA international Credit collection service, who, on behalf of Geico, continue try to collection money from me.

I moved to MA months ago, Since Geico has no service in MA, and my policy expired just in time. I notified them, and what they told is:
"Please be advised that you will have 10 days of coverage to
find insurance elsewhere. Once the 10 days passes your
policy will be cancelled automatically and your policy may be
subject to a fine from the Department of Motor Vehicles. "

I thought it works for me, and insure my cars to another company. But Geico sent me a bill later that they auto extened my coverage for 2 months.

I refused to pay and had several round of email exchange, finally, they agree that I do not own them anything. Problem seems solved until I received a collect notice. Contact them again,
Jerry Gschwender promise he will handle it. but I received it again today. This time, I will take some actions, as it will affect my credit history.

The bottom line: Stay away from Geico.



     
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Posted by Anonymous on 2006-01-07:
Lots of similar complaints here. Enter the company name in the search engine, see what you find!
Posted by Drillsergeant on 2006-06-29:
MAn this GEICO things is getting bigger and bigger. Does the BBB know about these complaints? I will email them a collection of these.
Posted by Friky on 2007-04-30:

Geico Corporation
1 Geico Plaza
Washington, DC 20076
District of Columbia County
MAP
General Information
Original Business
Start Date January 1939

Registration or
Incorporation Type of Entity Corporation
State unknown
Date unknown

BBB File Opened June 01, 1987

Principal Contact Mr. Tony Nicely

Complaint Contact Mr. Tony Nicely

Other Contacts Ms. Nancy Barr
Mrs. Rita Post


BBB Member This company is not a member
Type of Business Insurance
Insurance Services



The information in this report has either been provided by the company, or has been compiled by the Bureau from other sources.


Customer Experience
Based on BBB files, this company has an unsatisfactory record with the Bureau due to unanswered complaint(s).

Customer Complaint Data
Number of complaints processed by the BBB over the last 36 months: 336
Number of complaints processed by the BBB in the last 12 months: 163
Complaints Concerned:
Selling Practices (24 complaints)
21 Resolved
3 Company made every reasonable effort to resolve

Advertising Issues (11 complaints)
10 Resolved
1 Company did not respond

Service Issues (172 complaints)
153 Resolved
5 Unresolved
14 Company made every reasonable effort to resolve

Credit or Billing Disputes (43 complaints)
41 Resolved
2 Company made every reasonable effort to resolve

Delivery Issues (2 complaints)
2 Resolved

Refund Practices (22 complaints)
20 Resolved
2 Company made every reasonable effort to resolve

Product Quality (1 complaints)
1 Resolved

Contract Disputes (26 complaints)
24 Resolved
2 Company made every reasonable effort to resolve

Guarantee or Warranty Issues (2 complaints)
2 Resolved

Repair Issues (32 complaints)
29 Resolved
1 Unresolved
2 Company made every reasonable effort to resolve





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total loss settlement
Posted by Rvbsongwriter on 01/01/2004
CLINTON, NORTH CAROLINA -- simple,Geico
said they were settling the claim on my total loss vehicle.I was even buying a replacement vehicle and the adjuster faxed a copy to the car dealer to clear the loan on the total loss so the loan would go through for the replacement.Then GEICO sold my total loss to a Mr dove and he shipped it to his place in florida, I'm here in NC
(Mr dove admitted to buying it, but yet took it without a salvage title???) then GEICO denied the claim????? now I'm making 2 auto payments. If I did the equivilant to GEICO they would be calling it fraud... so I call this action on their part fraud..
     
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Posted by Anonymous on 2004-01-01:
duh...How do you think Geico pays for all those commercials on tv???!! And think about it; how effective as an Insurance Company can they be, when thier spokesreptile isn't even required to wear a seatbelt????!!!! I don't feel sorry for you. You're an Idiot for insuring with Geico.
Posted by Anonymous on 2004-01-02:
Here's an idea...investigate the company before going for price. Gieco has a horrible reputation in my opinion and the "15 min call that would have saved 10-percent or more" isn't worth it.
Posted by Anonymous on 2004-01-02:
Chia you are stupid, plain and simple. What antique car had a shoulder strap included in the seatbelt? Do you have $hit for brains? Nevermind, from your post you answered my question. Go insure with State Farm....they've only lost billions of dollars in the last few years!
Posted by Anonymous on 2004-01-02:
I don't get it. If Gieco sold your car to this Dove guy, then they have to "buy" it first, AKA paying your claim. How can they deny your claim once they took and resold your vehicle? I am sure it is an error they will strighten out for you.
Posted by PeskyKittyButt on 2004-07-09:
This complaint is very jumbled and I'm not sure what you're saying here.
Posted by Aember24 on 2004-09-06:
ok first to anonymous number two it is "15 minutes could save you 15 percent" not 10 and also to anonymous number one we do not pay for our commercials and neither does the policyholders they are paid for by Warren Buffett so people get a life and quit trying to blaim all your problems and a animated lizard I mean hell Budweiser has frogs for spokes people and that doesnt stop people from getting drunk and having accidents go complain to them for awhile
Posted by MM2011 on 2011-01-27:
ALL INSURANCE COMPANIES ARE A BUNCH OF CROOKS. THEY TALK ABOUT INSURANCE FRAUD WHICH I HEAR ABOUT ALL THE TIME, BUT THEY DONT TALK ABOUT CONSUMER FRAUD. NOW, WHY DONT PEOPLE HERE ABOUT THIS MUCH? WHAT DO YOU THINK? THE MORE CARS PEOPLE BUY THE RICHER THE TRASHY INSURANCE BUSINESS GETS IN THIS COUNTRY. ALL YOU PEOPLE TALK ABOUT THIS INSURANCE BEING WORSE THAN THIS OTHER ONE, ETC. THE FACT IS THEY ARE ALL THE SAME. I WAS HIT VERY BAD A FEW YEARS AGO WHILE I WAS STOPPED AT A RED TRAFFIC LIGHT ALONG WITH OTHER CARS IN A CITY BECAUSE SOMEONE APPARENTLY WAS TRYING TO RACE THE LIGHT BEHIND ME. I HEARD SCREECHING TIRES. I NEVER KNEW IT WOULD BE ME. I WAS SHOCKED AND SHAKING AFTERWARDS. I COULD NOT BELEIVE IT. THE INJURIES WERE INTERNAL AND GUESS WHAT? GEICO DRAGGED THEIR FEET ON THIS AND EVENTUALLY CUT ME OFF ALL MEDICAL BENEFITS. RIDICULOUS. IT TOOK THEM YEARS TO SOLVE MY PROBLEM. THEN YEARS LATER I WAS HIT ON A HIGHWAY AND GEICO SAYS THAT BECAUSE I WAS COMPENSATED FOR MY FIRST ACCIDENT THAT I WANTED TO BE PAID TWICE FOR THE SAME THING, THAT I " PLANNED AND STAGED THE ACCIDENT". THEY STILL HAVE NOT PAID ME FOR THE TOTAL LOSS OF MY VEHICLE ( IN THE SECOND ACCIDENT ). I HAVE BEEN DRIVING FOR CLOSE TO 30 YEARS AND THESE ARE THE ONLY TWO ACCIDENTS THAT I HAVE WHICH I DID NOT CAUSE. IN THE FIRST ACCIDENT OBVIOUSLY I WAS NOT AT FAULT AND IN THE SECOND ACCIDENT THE MAN CLAIMED HE FELL ASLEEP AND APOLOGIZED TO ME YET GEICO IS TREATING THIS AS INSURANCE FRAUD. THE MAN DESTROYED BOTH VEHICLES ON THE HIGHWAY. HE ALMOST KILLED ME. HE WAS DRIVING MUCH FASTER THAN ME, MAY BE 70 MILES AN HOUR. IT HAPPENED SO FAST.HE HIT ME FROM THE LEFT SIDE. I WAS DOING ONLY 55. THIS WAS NOT INSURANCE FRAUD, IT IS THE OTHER WAY AROUND AS YOU CAN SEE, CONSUMER FRAUD. THIS IS WHAT HAPPENS IN THIS COUNTRY. THE NORMAL PEOPLE END UP GETTING HURT IN THE WORLD OF GREED BY THESE INSURANCE COMPANIES WHO END UP GETTING AWAY WITH EVERYTHING. THEY ARE THE CROOKS IN THIS BUSINESS. WHERE ARE THESE SO CALLED LAWMAKERS? WHERE ARE OUR POLITICIANS? WHO KNOWS WHAT IS HAPPENING OUT THERE. MY PRESENT CASE THOUGH IS IN LITIGATION. AFTER THESE TWO ACCIDENTS OVER A PERIOD OF CLOSE TO 30 YEARS OF DRIVING IT JUST PROVES TO ME, AS YOU COULD SEE, THAT THESE GREEDY AND TRASHY COMPANIES WILL NOT RESPOND WHEN YOU NEED THEM THE MOST. YOU HAVE TO PAY THEM YOUR MONEY AND YOU HAVE TO FIGHT THEM TO RESPOND AFTERWARDS. IT IS SICKENING AND OBVIOUSLY A CONSUMER FRAUD. SOMETHING HAS TO BE DONE ABOUT THEM. IF YOU INCREASE YOUR LIMITS AND DECIDE TO GIVE THESE INSURANCE COMPANIES MORE OF YOUR MONEY THINK TWICE NOW AFTER YOU READ ABOUT MY TWO EXPERIENCES HERE. IT WILL BE A RISK. ALL THESE INSURANCES ARE MANIPULATIVE AND CON ARTISTS. THEY ARE A RISK.
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Failed to deliver on contract,
Posted by Carolleah on 07/11/2007
MACON, GEORGIA -- On July 9, 2007, I discovered a flat tire before leaving work. I called the Emergency Roadside Service, and was told to wait by the car for 45 minutes for a tow truck. I was also told that I would not pay anything.

It was 87 degrees and over 75 percent humidity. I was also dressed in a long sleeved work shirt and long pants.

1 hour, 20 minutes later, no one arrived. A call to Geico confirmed that they were on their way. 2 security guards offered to help me change the tire, and I went to Tire Kingdom. The tire was fixed, and Geico said that they would send the tow service to the new address, just one mile down the road. Geico tells me that the towing service is one mile from my work (2 miles from Tire Kingdom) and to sit tight.

2 hours, 20 minutes later, and one hour after being told to "sit tight, they are almost there," I find myself still outside of Tire Kingdom. It is now 9.10 at night in an undesirable location. I called Geico to find out why the towing service had not come. I was told that the towing truck broke down. They didn't dispatch another truck. I was told to sit tight, that a truck would be there 30 minutes later.

Another good samaritan came by to switch out my tire. I called Geico to tell them that I would need the donut wheel put under my truck, but that it was too late to take care of it that night.

The next day, I called Emergency Roadside Service back to organize getting the wheel put back on, which the towing service would have done had they ever shown up. This time around, they told me that I would have to go to a auto shop and pay for it myself. Since the car was no longer broken down, they would not send someone.

I spoke with the supervisor, Helen Robinson, to explain the situation. She was the MOST RUDE customer service representative I have spoken with in my entire life. She reiterated that she would not send anyone, and that she would change my policy so that I would have to pay for any future breakdowns on my own and have to submit for reimbursement.

I paid $80 to get the wheel placed back under my vehicle. This would have been taken care by the towing service, had it ever arrrived.

The money isn't the main issue here. It is Geico failing to deliver on the terms of the agreement, and Geico service representatives offering up truly horrendous customer service.
     
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Posted by Pomona Guy on 2007-07-11:
This is just how GEICO keeps there rates low: poor service. Quit GEICO and pay more elsewhere and get service.
Posted by Hugh_Jorgen on 2007-07-11:
The best road service I have found is thru the Good Sam Club. It's an RV'ers group, over a million members and their road service will not only tow your tow vehicle, but if you are pulling a boat or RV they will send a truck for it as well. Rates are comparable to the other clubs and the couple of times I have used them they were perfect. The first question they always ask is "are you somewhere safe?". Check out the Good Sam Club website - it's only $20 to join the club and get access to their road service.
Posted by poppapia on 2007-07-12:
I agree that this was very poor service on the part of Geico, but if I had to wait over 3 hours to get a tire fixed, I would have just changed it myself, put the spare on, and went to the repair shop. While you paid for a service, when this service failed, you could have taken care of the problem yourself (I assume you know how to change a tire).
Posted by geicoreallysucks on 2007-09-04:
Oh please post this to GeicoBlows.com!
Posted by get-real on 2008-02-06:
it was actually 38% humidity that day, get your facts right!
Posted by carolleah on 2008-02-09:
With all due respect, the humidity was correct. It's February here, and the humidity is 94% (granted, that's a sign it will rain, but it NEVER goes down to the incorrect stat you pulled from www.noway.com.
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Geico Online Insurance Quotes
Posted by Dmh1018 on 06/30/2007
I recently decided to check around to see if I could get a better deal on my insurance than I currently have. Two of my children have insurance with Geico and so I decided to go online and get an online quote. When asked for my Social Security Number I did not provide it. I did not want them to run a credit report, I only wanted a quote, not to purchase insurance at that time. They came in higher than my current insurance company and so I did nothing else. Two weeks later I receive an e-mail indicating that they had run a credit report through Trans Union. I contacted them and asked why they ran a credit report without my authorization. They said that I authorized them to do so. Since I never gave them my Social Security Number I asked how they could run a credit report. I keep getting the same message back. That I authorized them to do so. Well, I'm really stumped as to how they could do it without me giving them my number. Beware, even if you don't give out your Social Security Number they seem to be able to manage to run a credit report. This is very deceptive and dishonest. I could have understood them running a credit report had I choosen to purchase the insurance but I did not. I'm very upset that they would do this. So beware, even if you don't give them authority to run a credit report they seem to be able to find out what your SSN is.
     
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Posted by samuelblueshoes on 2007-07-01:
so much for I.D theft(and your ss# and name,address sell for how much? do you or the insurance company really know what the agent is capable of?)remember the AOL scam where employees were selling info on customers?
Posted by Anonymous on 2007-07-01:
JayD, have you ever heard of the right to privacy?

Read some: http://en.wikipedia.org/wiki/Privacy

Legal concepts like ownership of real property and contracts originated many hundreds of years ago and are now well established in law. In contrast, the right of privacy has only recently received legal recognition and is still an evolving area of law. It is generally agreed that the first publication advocating privacy was the article by Warren and Brandeis, The Right to Privacy, 4 Harvard L.R. 193 (1890). However, the codification of principles of privacy law waited until Prosser, Privacy, 48 Cal.L.Rev. 383 (1960), which Prosser subsequently entered into the Second Restatement of Torts at §§ 652A-652I (1977).
Early invasions of privacy could be treated as trespass, assault, or eavesdropping. Part of the reason for the delay in recognizing privacy as a fundamental right is that most modern invasions of privacy involve new technology (e.g., telephone wiretaps, microphones and electronic amplifiers for eavesdropping, photographic and video cameras, computers for collecting/storing/finding information). Before the invention of such technology, one could be reasonably certain that conversations in private (e.g., in a person's home or office) could not be heard by other people. Before the invention of computer databases, one might invade a few persons' privacy by collecting personal information from interviews and commercial transactions, but the labor-intensive process of gathering such information made it impossible to harm large numbers of victims. Further, storing such information on paper in file cabinets made it difficult to use the information to harm victims, simply because of the disorganized collection of information.
Posted by Anonymous on 2007-07-01:
One more:
· Didn't the government promise that SSNs wouldn't be used for ID?
For the first few decades that SSN cards were issued, they carried the admonition: "Not to be used for Identification." Unfortunately there was never any law passed instituting this as a policy. The Social Security Agency was apparently attempting to instill good values in the citizens, but was apparently unsuccessful in preventing government encroachment into this territory. For more information on the evolution of the laws concerning privacy and Social Security additional details are available in the more complete version of the FAQ.

http://www.cpsr.org/prevsite/cpsr/privacy/ssn/ssn.faq.html#IsItIllegalToAsk
Posted by geicoreallysucks on 2007-09-04:
Pleas post this on www.GeicoBlows.com. This is an amazing story!
Posted by marimacha on 2008-02-01:
They ask for the SSN to make sure they're getting YOUR credit information, not someone else with similar information to yours (esp. important if you've got a pretty common name, I would imagine). Just bc they don't have the number doesn't mean they can't get some info about you, though.

There is a section in the online quote that says they use credit-based information to get you the quote. You probably should've stopped at that point if you didn't want your credit used.

As for the letter you received after the fact, a federal law called FCRA requires it be sent to you, but that doesn't necessarily mean that your credit score was affected. Typically when an insurance company checks your credit, they're seeing the same information that someone mailing you a "pre-approved credit card offer" can see. They're just required by law to tell you if something may have affected the rate you got.
Posted by LizEbordon on 2008-06-10:
They need your credit for the quote. Read the fine print. It's Ironclad. Its not like Geico is going to steal your identity. Geico's pockets are incredibly deep. They're one of the only insurance companies that could pay out if every single one of their policyholders had a claim.
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Premiums
Posted by Truckin21 on 01/27/2007
Well, I guess every situation is different. I just got my renewal for my auto insurance. Guess what, It went up $50.00. Ihaven't had a claim of any kind for over 10 years. Haven't even had any tickets. I called Geigo, I asked them why my premium went up, since I had done nothing to cause this. Their answer: "We have paid out more in premiums in your area, so we had to increase." Fine, I understand that. But, increase the premiums on those that caused the payouts, don't increase it on the ones that saved you money. Yes this is different from my other posts. Because what I DO HAS A DIRECT EFFECT ON WHAT I AM CHARGED. I don't take the chances that most people do. By that I mean: If the speed limit is 75, I don't do 80. Someone wants to cut me off at an intersection, I let them. It only takes once to get a ticket, or have an accident, I don't plan on being that one. So, when Geigo told me my premium was going up to $454.00 for the next 6 months ($900.00 for the year) I called AIG. Now, with Geigo, I had no "Frills". I had just what the state required. I have a 1994 vehicle so I don't need full coverage. When I called AIG and told them my situation look at what I received:
15/30,000 per person per accident $143.00
10,000.00 property damage 99.00
Comprehensive w/$250.00 ded. 59.00
Total cost $301.00

I got the comprehensive because with it I get FREE OF CHARGE:
Road side service (Towing, flat repair, etc)
Extended Transportation expenses
per day/max amount $30.00/$900.00

My advise: When it comes time to renew your policies, CALL AIG!!! They will give you what you earn.
     
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Posted by Caliope on 2007-01-28:
Hi is that Geigo or Geico hon? Just curious as I like to stay away from businesses that act in this manner. Thanks for your info. Have a good day!
Posted by Anonymous on 2007-01-28:
JayD, my hero - the only person on here who says what he means's, good job!

Truckin21, it always feel's different when the shoe in on the other foot even know it’s not your fault and not your responsibility. Hang in there some day it will all come clear to you. Best of luck to you!
Posted by Hugh_Jorgen on 2007-01-28:
For what it's worth, you might also want to look into raising some of your limits and perhaps adding an unbrella liability policy. Your limits are mighty low considering how much people like to sue each other these days. I know you don't plan on having an accident, but if you do, $10K in property damage won't help if you total someone's new $30K SUV. And if you hurt someone and they can't work for an extended period of time your $15K per person liability won't last long. An unbrella liability policy won't help with the property damage, but it will cover you against any lawsuits for personal injury. A $1m policy is usually less than $200 a year and covers your house, your car, and basically anything you do that could get you sued.
Posted by Anonymous on 2007-01-28:
Hugh as always Good advice.
Posted by Nohandle on 2007-01-28:
Truckin21, I have friends who have summer homes in the Katrina area..they suffered no damage and filed no claims. Their insurance premiums tripled as a result of the catastrophe. I, in turn, had a burglary in my home some three/four years ago and fully expected my premiums to greatly increase or for that matter to be cancelled by State Farm. Neither happened in my case. I understand there's nothing like shopping for insurance when you've been cancelled by another company and are desperate for coverage.
Posted by truckin21 on 2007-01-28:
Answer to JAY D: Whoa back man. We are talking about AUTO INSURANCE not HOME OWNERS. Whole different scenario. If YOU want to go out and wreck your car every other day, and in so doing, destroy some one elses, property, Why should I have to pay for it??? What you are saying (It looks like to me) is: Just because YOU want to behave like any idiot (and I don't mean you personally) I have to pay for what you destroy?? That doesnot make sense. Yes, shoplifters cause high prices, we cannot control that, bad check writers cause high prices, we cannot control that, BUT, we can control the way we drive, so why should I have to pay for somwe idiot that does not know what he/she is doing, and doesn't even care. High Insurance premiums are brought about by those that DON'T CARE WHETHER THEY HAVE ACCIDENTS, OR GET TICKETS, Not by the people that DO care and drive accordingly.It all reverts back to my original post about TAKING RESPONSIBILTY FOR YOUR OWN ACTIONS. I did not put a gun to anybodies head and force them to have an accident (As far as I am concerned, there is no such thing as an accident) why should I have to pay for their inability to control themselves. And, please, don't tell me "That is life" or "That is reality". Those 2 statements are cop outs!!! Life/reality IS WHAT WE MAKE IT
And that is a whole different conversation.
Posted by truckin21 on 2007-01-28:
Nohandle: State Farm says it all. If that is the best you can do I am sorry. If it was a matter of insuring my CAR with State Farm, or spend 10 years in jail, I would take the jail sentence. Yes, everybody has a choice, and To a certain degree I can undersand why HOME OWNERS INSURANCE WOULD INCREASE.
Posted by truckin21 on 2007-01-28:
Speaking of Katrina and similar disastors: If you read your home owners policy you nwill find that most of them have a clause to the effect that "We donot cover "ACTS of God." So, yes the premiums would go up. But, what I am saying is: (And please do not take it personal) "If you decide to get drunk, get in your car and drive through town running every light and stop sign you come to, then you run into me and wreck my car, maybe total it, injure me and my wife, why should I pay for your higher premium?
There are insurance companies that do reward good drivers, all I am saying is Geigo IS NOT ONE OF THEM. They would rather penalize a good driver and call it "REALITY". AIG says: "Hey, that's not right, with your driving record you should get REWARDS, we will see that you do (and they did, all the extras I got with AIG would have COST ME WITH GEIGO) AIG even gave me a discount for owning a vehicle with ANTI-LOCK Brakes, yes all cars have them now, but AIG recognizes the importance of them.
Posted by Nohandle on 2007-01-28:
Truckin21, I was speaking of insurance in general. I've never had a claim on my auto insurance, yet receive a premium increase each year so I know first hand where you are coming from. No ill will intended. I continue to buy from State Farm only because of the agent. He's been there for me, if you will, when I've had a loss. Best wishes.
Posted by Anonymous on 2007-01-28:
truckin21 seems you can't live your own words "TAKING RESPONSIBILTY FOR YOUR OWN ACTIONS", but what you really should be saying is "IT'S EVERYBODY ELSE'S FAULT BUT TRUCKIN21". Now you want to talk about a "COP OUT!” All I see here is a standard for YOU and then the one for the rest of the world. Your bottom line seems to be “I AM KEN ALL OTHER’S SHOULD BOW BEFORE ME!” Now this is a cop out review.
Posted by spiderman2 on 2007-01-28:
Hugh -- that is exactly what I was thinking when I saw the policy limits. It may be your state's minimum and keeps you legal, but if you cause an accident, $30K doesn't go very far at all. People don't realize that someone can come after them personally for the rest.
Posted by truckin21 on 2007-01-28:
Lidman: when I have to pay for OTHER PEOPLES idiotic antics, and I don't make any myself (MY driving record being proof of what I say) You daarn right it is their fault. From what I have seen all your replys to my posts have been cop outs because you still don't (And probably never will) get the point. You have your views and ideas, I have mine. Mine save ME money and yours COSTS me and others money.
Posted by truckin21 on 2007-01-28:
Also, Lidman, If I am so wrong, and you are so right why haven't you answered my apology???
Posted by truckin21 on 2007-01-28:
HJ: I would gladly raise my limits, but since I am on a FIXED income and people continue to drive like idiots and I have to (According to evryone) pay for their Idiotic actions, I cannot afford to raise them, I can barely afford the State minimum but I do it because I have to have Insurance in order to drive.
Posted by truckin21 on 2007-01-28:
spiderman2: for your info I don't cause accidents, I avoid them.
Posted by spiderman2 on 2007-01-28:
well good for you, it must be nice to know that you will never have any problems in the future!
Posted by Anonymous on 2007-01-28:
truckin21, again you change the order of things to suit your situation which it the point. On the one hand you say everyone must be responsible for there own actions the next thing you say is that doesn’t apply to you. You sir don’t get your own point. It is your responsibility to keep up with the rest of us we all end up paying for other peoples “idiotic antics”. How do the insurance company or we know your “idiotic antics” aren’t some of the reason there were a lot of wrecks caused by them?

You make your arguments based on “YOU” and whom you think you are, that is a cop out. I don’t know you anymore then you know me. So it is only here say that your driving record is proof of anything and I am not calling you a liar. I am simply saying when you make a gross generalization it only works for you which is counter productive to the rest of the people.

If you cannot afford to raise your limits, which I think we all understand, but we all have to be responsible and do the same thing, right? I’m not saying you are wrong to think the way you do, nor am I attacking you like you did me. But at the same time I am making my point, which is, you can’t have it both ways. If you think everybody else is the reason you have to pay more and it really has nothing to do with you, then sir you like most of the country, have fallen for the propaganda that we all know as commercialism. Corporate is going to raise the price anytime and every time they get a chance just like income tax.
Posted by Noneill on 2007-01-29:
Wow if I didn't know any better (and I don't), I would think you all are insurance agents loyal to the business. Truckin21 did the most logical thing by switching insurers when his rates were raised. I would have done the same. His outrage is justified.

What time zone is this website? It says I posted this on 1/29/07 and it is still 1/28/07 10:53pm?
Posted by truckin21 on 2007-01-29:
LIDMAN: I don't know what your problem is, but you sound like a needle stuck in a rut on a record. You keep saying that I dont take responsibility. Well, if you want I will send you a copy of my most recent driving record and you can see for your self. If you consider driving within the speed limits, or below, slowing down when I see a construction sign, not trying to beat the yellow lights, letting other drivers have the right of way even when it is my turn, idiotic antics, then yes I am guilty, and if and when I have an "accident" I will pay my fair share without Bit---ing.And for your info, if you are one of those "90 MPH" drivers, I will NEVER KEEP up with you. I never get in that big of a hurry. And, if every one would take a course from a REPUTABLE truck driving school, you ALL would understand where I come from. You people do the same things the same way and never get caught. Just remember: It only takes once to die, and you never get a second chance. Guranteed; If I have anything to say/do about it, I WILL NOT BE THAT ONE. And, if that is too hard for you to understand I'm sorry. I'm not asking you to do things the way I do. I don't even care if you don't believe me. All I'm trying to do is relate to you what I have seen in my 52 years of being on the roads in this country. For the most part people could care less if they have an accident. The way they look at is; that is why they have insurance. But, you will never try to understand what is happening so there is no use talking to you since you are not even man enough to acknowledge the fact that I did apologize for your not understanding me.
Posted by truckin21 on 2007-01-29:
Noneill: THANK YOU. AT LEAST SOME IS TRYING TO UNDERSTAND.
There was NO LOGICAL reason for them to raise my rates, and guess what? I called Geico this evening (8:05pm MST) I talked to a Maryann Gonzoles. I informed her that I was calling to inform Geico that as of February 17, 2007 Geico will no longer be my agent of choice. When she asked me why, I told her. I even told her what the other company has given me. She tried to get me to stay with Geico by offering the same thing. I told her it was too late. She made it a point to tell me to make sure that I let Geico know when my other policy actually takes affect. I told her I definetly would do that because if it is effective before Feb. 17, then I will get a refund from Geico. I will request it if that is the case, but since this is Geico, I won't expect it until the check clears the bank.
Posted by Anonymous on 2007-01-29:
Trunkin21; There is know way you could understand even what you are saying so how would I ever understand you? Do you know what you said “not even man enough to acknowledge the fact that I did apologize for your not understanding me”? Nope not a clue what a shame. And again it’s everyone else fault but yours’ and you wonder why the rates go up.
2005 National Large Truck Crash Facts
4,932 Large Trucks Involved in Fatal Crashes 5,212 Fatalities in Crashes Involving Large Trucks 139,772 Large Trucks Involved in Non-Fatal Crashes 60,617 Large Trucks Involved in Injury Crashes 91,824 Injuries in Crashes Involving Large Trucks 79,155 Large Trucks Involved in Towaway Crashes 2,371 Large Trucks Involved in Hazmat (HM) Placard Crashes View National Summary Report Data Source: Fatality Analysis Reporting System (FARS). Motor Carrier Management Information System (MCMIS). Fatality Analysis Reporting System (FARS) & Motor Carrier Management Information System (MCMIS).
http://ai.volpe.dot.gov/CrashProfile/CrashProfileMainNew.asp
Posted by Anonymous on 2007-01-29:
Noneill, the point is this is not about Geigo or any other Auto Insurance It is about trunkin21 and how he is being cheated because the rest of the world either doesn't agree with him, the rest of the world doesn't know that it's not truckin21's fault and the rest of the world needs to be responsible for trunkin21’s life. It would all work out perfect if we all realize truckin21 was perfect and we would simply bow before him.

Posted by Ponie on 2007-01-29:
'but since I am on a FIXED income...' That's a good one, truckin. Except if you own your own business (which I do) or work strictly on commissions, EVERYONE is on a fixed income! Since you're been trucking for 52(?) years, I take it you draw Soc. Sec. benefits. You got a nice big hike this month. Some workers haven't seen an increase in their income in 2 to 3 years. It's happened in my own family, but they're not complaining. Request a raise in your Teamsters' pension to fall in the middle of the year, then you won't be on a 'fixed income.' You'll receive two raises per year.
Posted by truckin21 on 2007-02-11:
LIDMAN: Just what do you mean? You got a problem spit it out. IT is because of people like you and people with your attitude that the world is the way it is. If you had your way you would screw who ever you could (Including yourself) if you could make a buck off it. You don't care if it is right or wrong, you would pay it if they increased you $500.00, or you just wouldn't have insurance and, and pity the poor guy you hit. And to PONIE: review your facts and get 'em straight before you open mouth, you have no idea what you are talking about. The only way we know you have said something is because apparently you can type. And, since you do "own your own business" how people have you screwed just to make a profit??
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Lost car over insurance
Posted by Wvhilgal on 03/17/2005
GLEN FERRIS, WEST VIRGINIA -- We had Geico and never had an accident. My son had a wreck. They sent somebody out right away and cut a check for repairs. The same day, we went to the garage not far from us and he did an estimate. This was a low speed rear-ending by the way. One week later we got the car back and it quit before we got home. We checked the a vacuum cap had been knocked off. Replaced that ourselves. Noticed where they replaced the bumper, they did not replace the steel, it actually looked like aluminum foil that had been wadded up and then straightened back out. We were moving out of state the day we got the car back, and one day prior to the wreck put the car in the garage and had it totally checked out and they said it was like new, no problems.

We moved and immediately started having engine problems. The car would just quit. We had it in the garage 4 times and still wouldn't run. Called Geico in the state we were living in and told them about the foil-appearing steel and the engine not running since the wreck. They said they would send somebody out. A month later, there we sat, no car, no insurance man. Called back again and they told us they only had ONE adjustor for our state. Another two weeks he finally showed up. He agreed the repair job was a joke and that the car should go back in for the engine to be checked since that was covered. He was to set up the rental car and get back to us. Four months later and another 800. in repairs, still hadn't heard from him. Called corporate AGAIN and they said it would be taken care of, that they do not do customers like that. Meanwhile, no way to get to work or anywhere for that matter. Put the car back in the garage and they said the only thing they could think of might be the microchip, but it would cost 1000. just to GET the chip to see if that's it. Long story short, ended up losing the car because I couldn't get to work, Geico never did even call us back after months and months of calls. They ruined us. I went from having a pretty new car to driving one 15 years old, bought for 400. Lousy business practices.
     
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Posted by Aember24 on 2005-05-21:
Ok well a low impact wreck would have only caused minor damage and therefore would have only taken a few days to repair also "you" decide which body shop to take your vehicle too not Geico and I'm sorry to point out an error in your post under NO circumstances does Geico only have 1 adjuster in a state. I know this first hand because I work in the claims department and with our state adjusters. I'm sorry that the vehicle you bpught wasn't worth what you paid for it and had all these problems but you can not blame Geico for that. Alot of people seem to gave a misunderstanding about insurance you will not get rich you will not be better off than you were before. If you have an accident your insurance company is only obligated to put you back to the status you were prior to the accident. Also you may want to contact the body shop where you had the repairs done and see if they will accept the reponsibilty for repairs since it's obvious thats who your saying damaged your vehicle further.
Posted by Kasity08 on 2009-09-27:
I am so tired of Geico representives adding comments to this site. They constantly remark that the consumer is wrong, the consumer is the one that makes the mistakes, and usually, they always state that the consumer, when adding a comment to this site, left something out.
I am here to tell you that Geico does make mistakes, they send out emails that are incorrect, they ebill consumers and withdraw money on the wrong dates and they do not side with the correct driver in auto accidents. I am asking that if you have a true complaint about Geico, if you have had problems in billing, account debits, claims, incorrect information sent to you via email by Geico, false phone conversations that were not made to you and they say they called, accidents where you were faulted by Geico...or any other true detailed complaint, please email me directly at ckasidy@yahoo.com. I need your information in order to prove in court that Geico is out of control and that are cheating consumers. Email is
ckasidy@yahoo.com. To Geico employees that reads this site or had commented to tis site, I hope you try to send me a bogus email to the address stated. I have triple spam sources. To all Geico customers cheated by Geico, please email me. Your information will be confidential and your email address will never be given out. I just need to hear from you without Geico being able to read your comments where they will then be able to say you are wrong and they are right. I am a Geico customer, that is until the next due date where I have already changed companies and will be contacting Geico of the change. To all other consumers, If you have been with Geico for a period of time, had no claims or have never had problems with the billing or if you have never had any contact with Geico other than sending them your money every month, I do not want to hear from you. You have no real experience of dealing with Geico. Once you are in a fender bender, then email me once the claim starts. Thanks to everyone for reading. I want to hear from you.
Posted by Anonymous on 2009-09-27:
Kasity, no big deal but you're posting to a 5 year old review. Geico and the OP will never see your comment.
Posted by Skye on 2009-09-27:
Geico is the pits. They spend so much money on commercials.
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Bad Service By Contractor
Posted by on 09/24/2001
CARMEL, INDIANA -- I need to have my vehicle inspected before your company can provide comprehensive & collision insurance. The Firestone station that you referred me to was very curt and rude. It's difficult to convey negative attitude in a text format, but I shall attempt to do so.

I understood when I walked in that I might not be accepted on the spot, but when I inquired about the inspection, the employee glared at me and said 'You can't just expect somebody to drop what they're doing and inspect your car right now!' I told him that was fine, and inquired about a better time to return. He told me that he was too busy to make an appointment. I would need to call, and they would need the van for at least an hour. (I think that an hour is ridiculous, but that's a different complaint.)


To help keep me as a potential future customer, I would like the following:

I would like to be referred to another service center for the inspection. I understand that there is only one location in Carmel, Indiana, but a Fishers, Westfield, or Indianapolis location would be perfectly acceptable.

I have always received excellent service from your company. and am disappointed that your subcontractors aren't nearly as skilled.

At the very least I would like a response from your company regarding this incident. Thank you for your time.
     
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Posted by Anonymous on 2003-10-13:
As an employee of Geico Direct, I would like to appologize for this incident. We are currently in the process of ending our contract with Firestone for this very reason. You are not the first poliyholder to receive the less than excellent customer service that you deserve. I hope that this experience has not ruined your opinion of Geico.
Posted by lolsmit on 2004-02-06:
Itoo work for Geico Direct and would like to apoligize for the service you received or "did not receive" at Firestone, we have scince discountinued our association with Firestone
Posted by dvsmadcow on 2004-02-15:
I also work at GEICO. I handled several calls dealing with this very issue. I'm happy to report that we dropped firestone like a bad habit and will be glad to send you somewhere that will treat you like the valued customer you are! Sorry about how rude they were, I myself referred several complaints that customers had to my regional vice president and he promptly informed our corporate office and within a few monts, we ended our relationship with them!!
Posted by Sunnywillshine on 2004-10-29:
Safelite did my inspection... I was in and out in less than 10 minutes. And no appointment was necessary!!! And they were soooo nice, just like all the Geico reps I have had the pleasure of speaking with over the years.
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Fraud
Posted by Live3let on 01/10/2013
LA MESA,CA, CALIFORNIA -- On 1-2-13 I had picked my girlfriend up from a Crisis House. A couple blocks from our destination we were hit dead on by a Geico Insured driver as he ran a red light. My car was totaled and had to be towed. At the scene of the accident not only did the driver admit fault but they promised their insurance would cover all the costs and repairs and even encouraged me to ask for a rental. The next day the driver now claims he passed the light through a yellow. I wonder how that is possible when I had a solid green arrow. The Geico Agent working on my claim wrongly and confusingly questioned my passenger that has a history of mental health issues. The Geico Agent then began to use false statements from the driver and insured, twist my passengers and my statements and use all the hearsay in the investigation as just cause to fraudulently deny fault for the accident. There was no proper investigation done. I know that because if there had been, the truth would have been found. I believe Geico insurance has made a terrible name for themselves by allowing their agents to make such bogus decisions along with the nasty way the agent treated my passenger and myself. Because of this I had to hire an attorney to fight for me. I am 23 and I go to school fulltime. This accident not only took me out of school for over a week but totaled my car and left me stranded in the city of the accident. I have never experienced such bad service in my life and I am determined to show the truth of how these people operate their fraudulent business. Thank you for reading.
     
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Posted by Skye on 2013-01-10:
You need a lawyer to fight this battle for you.
Posted by Obsfucation on 2013-01-10:
Were the police called to the scene of the accident?
Posted by clutzycook on 2013-01-10:
I'm with Obs; was there a police report? Also, have you gotten your insurance involved?
Posted by Bill on 2013-01-10:
Whenever you're involved in an accident however minor call the police. If you're in the right it's the only way to protect yourself. If there's any witnesses get their names and addresses also.
Posted by trmn8r on 2013-01-11:
There is some information missing here. First and foremost, if so much damage occurred that your car was totalled it seems like the law should require the police to be involved.

If you don't have a police report, I don't know what to say - it's easy to imagine most any insurance company might give you a hard time and question fault. This kind of accident isn't as black and white as it may seem - a (impartial) witness might be critical.

You would also be well advised to have your insurance company interact with Geico on your behalf, if you haven't already.
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What GEICO won't tell you if one of their insured drivers hits you
Posted by Scholartime on 02/20/2010
PG, UTAH -- Someone insured with Geico hit my daughter's car. The other driver admitted fault to the officer on the scene and to Geico. Geico decided our car was a 'total loss'. They paid us about half what the car is worth. They withheld a lot of information from us in order to save themselves money. The claims department representative was extremely unhelpful. I only got the information I needed when I called the adjuster directly.

IF GEICO TOTALS YOUR CAR they will decide the value, not you. If I was selling my car on the open market, I certainly would have gotten more for it than Geico paid me.

IF YOU ARE GETTING A RENTAL CAR PAID FOR BY GEICO do it right away! Don't delay for even a day. They will only pay for the car from the time of the accident until 'three days past settlement'. 'Settlement', in their definition, is when they send you the first check, even if the amount is still in dispute and they plan on sending you a second check. They want to send you a check for the amount that is undisputed, and they want to send it as quickly as possible, so then they can quit paying for the rental car. Three days is not enough to get your car fixed, and it is not enough time to go out and buy a new car. DON'T ACCEPT ANY CHECKS AT ALL UNTIL YOU HAVE REACHED A FINAL SETTLEMENT!

If they had told us a rental car was available right away, we would have gotten one sooner and then we would have had it for a couple weeks - long enough to repair the extensive damage to our car or to shop for a new one. Of course, it is not in their best interest to tell you a rental is available until after it's too late to take advantage of one.

ALSO: BE AWARE that rental car companies count their 'days' on a 24-hour period while Geico counts calendar days. If Geico is 'totaling' your car, they will pay for 'FIVE' days of a car rental. We picked up a rental car on Monday evening and Geico counted that as day One! They would only pay until Friday. That only gave us 3.5 actual days to get the car fixed which was not enough time. When I called the adjuster directly, he finally authorized a few more days.

IF YOU ARE DISPUTING THE AMOUNT OF THE LOSS you will need to spend quite a bit of time researching comparables. You will need to find other cars in your area that are the same make and model as your car, and that are in the same condition. That's going to be very tough for us because we had just put a new transmission in our car. That $2K is now wasted because one of their insured drivers hit our car and there are hardly any comparables with new transmissions. MAKE SURE YOU KEEP ALL RECEIPTS FOR WORK DONE ON YOUR CAR so that you can produce them if someone hits you. Geico gave us only $150 credit for the new transmission. We are going to have to take them or the driver to court over this. I think that's sad.

     
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Posted by NanS123 on 2010-02-20:
Wouldn't they have to give you the book value of the car if they deem it totaled?
Posted by Venice09 on 2010-02-20:
Not necessarily, Nan. Before my daughter's car was totaled, one of her friends put a dent in the roof. The insurance company determined that the dent was preexisting (they were right) and deducted $500 from the settlement. Other than the dent, the car was in perfect condition. She could have gotten a lot more for it than the amount of the settlement. But that's the way it works.
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