Geico Corporation Claims

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Shut Geico Down
Posted by on
Rating: 1/51
MACON, ARKANSAS -- Back on December 21, 2012, I was rear ended by a driver insured by Geico. The police charged the person that hit me with Reckless Prohibited Driving. The office that handles my area is in Macon Georgia and Dawn [snip] my adjuster. Between Dawn[snip] and Geico given the runaround, and trying to choose which medical bills and/or prescriptions they are going to cover, Dawn also lied me to on several occasions.

Around 4:00 pm on Friday December 21, 2012 the traffic in front of me had started to back up. To keep a safe following distance and keep from hitting the car in front of me I had to reduce my speed to 20-25 MPH. shortly after reducing my speed I found myself looking up at the roof of my car with my world spinning wondering what happened. Once I gathered my thoughts, I realized I was rear ended so hard that it broke my seat and I was laying flat on my back. When trying to get my 2009 Chevy Impala from the center lane of a 6-lane highway to the shoulder I noticed an awful noise coming from the back of my car. The collision was so hard that one of my rear tires was pinned by the fender well keeping it from freely spinning. My car had to be towed from the scene of the accident. Somehow, Geico lost my car for nearly two weeks after it left the tow yard and arrived at their repair center. Once they found my car and did an estimate, the adjuster told me that they stopped doing the estimate once it got near $8,000.00 worth of damage.

Going back to the evening of the wreck, I went to the ER and was diagnosed with whiplash, after about a month of no relief my doctor had me go to physical therapy for nine treatments, which did not produce the results they had hoped to receive. Therefore, my physical therapist contacted my doctor and he scheduled an MRI. The MRI results showed a posterior labral tear of my right shoulder caused by the wreck. Once Dawn[snip] found out about the internal injury, she told me that will automatically trigger policy limit. I asked [snip] how much is that she replied it is the state minimum which I expected her to say even if they had a million dollar policy. I asked is that $25,000.00, knowing that Arkansas minimum is $25,000.00 just to see what she would say. D[snip] said, “Yes $25,000.00.” Seeing how [snip] told me $25,000.00 I was fully expecting that I would receive what was left after the medical bills were covered. About two weeks later[snip] called me offering $5000.00, which was very different from the $25,000.00 she told me just two weeks prior. When I asked her about her statement, she denied she ever said $25,000.00 and tried to justify her statement with more lies. Just my lost wages, mileage, and over the counter expenses are nearly the $5000.00 they offered and that is before my medical and prescriptions are covered. My current medical expenses counting prescriptions is nearly $18,000.00 and I still may require surgery to fix the tear.

After I refused their 1st offer I also requested a different adjuster because I no longer trusted Dawn after her multiple attempts to lie to me and play me for a fool. Geico has refused to let another adjuster handle my claim and Geico came back with another offer of $6000.00 that is before medical bills are paid. If I accepted their insulting offer of $6,000.00, I would still be out nearly $12,000.00. I do have Uninsured/Underinsured and Personal Injury Protection on my policy. However, I do not feel like my insurance should kick in until Geico pays at least $18,000.00 to cover all my current medical expenses. If Geico would just cover all my current medical expenses to include prescriptions and offer 2 years of coverage on my shoulder that was damaged in the wreck I would not even ask for anything for pain and suffering. An auto insurance company specially one like Geico should not be allowed to pick and choose which medical bills they are going to pay. I have a feeling that my doctor and orthopedic surgeon knows a lot more about my medical needs than a low budget car insurance company. Please do not allow Geico make you a victim.
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Bill on 08/07/2013:
Find a good lawyer. That's the only way to deal with insurance companies nowadays. They been ripped so many times that they assume everybody is trying to rip them off and they will always try to lowball you.
clutzycook on 08/08/2013:
My sister was rear-ended in an accident last year and her neck/back was injured. The other person's insurance company tried to low-ball her too. She got a lawyer and they're finally paying up.
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Rear ended by GEICO policyholder, her policy lapsed after the claim, no $$
Posted by on
On Sept. 29, 2009, I was hit in the rearend by a woman driving a 2008 Nissan Versa. She was going approximately 25 mph when she hit me, I was at a complete stop. She pushed me into the car in front of me. Fortunately, no one was seriously hurt, though I did end up with whiplash. I called GEICO the day after the accident (9/20/2009) to start the claims process. I was given the name of an adjuster (a/k/a adjuster #1), along with her extension. I called and left a detailed message with my cell number to call me back on. I didn't hear from anyone for over a week but received a letter in the mail from adjuster #1, stating that she had been trying to get into contact with me. I called again several times, rather than leaving a message until she finally answered, on 10/9/2009 and I finally was able to get an appointment with the GEICO adjuster to get an estimate done on my vehicle, scheduled for almost a week later (10/14/2009), 15 days after the accident. The day before I was to go have my car estimated, I received a message from the man I hit. His message was that he was supposed to go that day to pick up his check to pay for his vehicle and was told there was a problem with the policy, and it was being reviewed and until resolved, there would be no payment. I went to my appointment the next day and was told by the estimator that he wasn't authorized to make payment at that time. He indicated that there was possibly a problem with the property damage coverage, that perhaps the policyholder only had $10,000 property damage coverage, and since there were multiple vehicles, we may not get full payment, depending on both our estimates. My estimate ended up being $6,700 After I left the estimator, I called the person that I hit after being hit, and he said his estimate was for $5,200, thereby putting us roughly $2,000 over what was possibly her coverage limit. At that time, I tried to contact adjuster #1, but as usual, got only her voicemail. Her voicemail gave an alternative extension to try if she was unavailable. I then called that person, a/k/a adjuster #2, and was told by him that upon his review of the file, he didn't see any problems and would send the estimator an email and payment should be available within 30 minutes. I called the estimator, who said he would be in touch shortly, hopefully with a check. 10 minutes later, the estimator called me to let me know that upon talking to adjuster #2, there was still issues on paying the claim, and there would be no payment yet. I called adjuster #2 again, and he said there should be a decision by the end of the week. I called adjuster #2 that Friday 10/16/2009, he still didn't have any information. At that time, I called the person I hit, and he said he had tried calling adjuster #1 the day before, and since it was after hours, had reached someone else, who told him that it appeared that perhaps the policy had lapsed the day of the accident and that they were reviewing the circumstances. I attempted to contact both adjuster #1 and #2 repeatedly for nearly a week, and finally called after hours that next Thursday 10/22/2009, and talked to a woman who, upon reviewing the file, said she didn't see any reason that they weren't paying the claims, according to the notes she had. She gave me the extension for the direct supervisor of adjuster #1 to call the next day, a/k/a adjuster #3. I called adjuster #3 on Friday, 10/23/2009, didn't reach him and left a message pretty much begging him to call me back. He didn't, so on Saturday, 10/24/2009 I called and reached another after hours person, who also reviewed the file, and said the only problem she could see was the property damage limits. I told her at that time that I, as well as the guy I had hit, were both aware that this may happen and wanted at least something, even if not full payment. She took the information, gave me adjuster #3s direct supervisor, a/k/a adjuster/supervisor #4s extension to call on Monday 10/26/2009 if I still didn't hear from anyone. Today, the 26th, I was still waiting to hear from someone when the guy I hit called me to tell me he heard from adjuster #1 (shocker!) and they were denying the claim, with no further explanation to him at the time. I called aduster/supervisor #4, whose voicemail indicated she was out of town for this week, and left adjuster #5s extension if there were problems. I actually got in touch with adjuster #5, who initially said he saw that payments had already been made to the policyholder on her claim and he didn't see any reason we weren't being paid. However, as he kept reading the file he came to the part where they were denying the claim. Apparently, on September 25th, the policyholder received notice that her policy was going to lapse if payment wasn't made within 15 days. According to adjuster #5, the policyholder sent in the premium within the 15 days in the form of a check. After the accident, and apparently after GEICO paid her $13,000 for her vehicle, the check she sent in was returned. According to him, the policy than was considered lapsed as of Sept. 25, 4 days prior to the accident. Now neither of us are getting paid; however, the person that caused the accident has had her vehicle repaired. Is it legal for GEICO to go back and backlapse a policy because of a bounced check on a premium? Is there any recourse for us, other than taking the owner/driver to court? It seems that if the policy was reinstated when she paid the premium, even if after the accident, a check was returned by the bank, the policy should have been in force at the time. Does anyone have any suggestions? We do live in Florida, and neither of us had collision coverage on our policys.
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User Replies:
bcd on 10/26/2009:
Do you have uninsured motorist coverage?
Anonymous on 10/27/2009:
Is it legal to lapse a policy on a bad check? YES. If the check bounced, the premium was not paid, therefore they can cancel the insurance. When did this happen in relation to the accident?

Now your insurance should kick in for your car and the one you hit. You (or your insurance company) will have to sue the faultee for the reimbursement.

I can't keep reading your post. Your sentences and paragraphs never end and it is hard to read.
jmbjamep on 10/27/2009:
The notice to pay the premium was dated 4 days prior to the accident. She sent the premium in, and the check bounced after the accident.
Anonymous on 10/27/2009:
Why isn't your own insurance company handling this claim?
skelly39 on 10/27/2009:
Lady and Ken-if she only has liability coverage, what is her insurance company going to do for her?
Geico handled it poorly and should have told you on Day 1 that there was a coverage issue. Unfortunately, Lady is correct-they have every right to rescind coverage if the policyholder's check bounces.
You may have to file a lawsuit directly against the person that hit you.
Anonymous on 10/27/2009:
I understand that it varies from state to state, but in Massachusetts, if someone hits me, I call my own insurance agent and my company handles everything. That's how it works. I guess I am just surprised that it can be that different elsewhere.
spiderman2 on 10/27/2009:
In Pa, we have a choice of going through the other person's insurance and not paying your deductible or going through you own insurance company and paying your deductible. If you are lucky, you will be reimbursed for that deductible, but many times that does not happen. I personally don't want to be out $500 because someone rearended me. If you have to claim on your uninsured or underinsured motorist coverage, you will pay the deductible. I think this is why people will first try to collect from the at-fault driver's insurance.
skelly39 on 10/27/2009:
Ken-uninsured motorist property damage may be required in your state. It's not in most states, so if you carry liability only, your insurance company won't do jack. Maybe you just have a really good agent.
Spiderman, you are right-most people don't want to come up with that money when it's someone else's fault. It can take months to get it back from the other party's insurance company.
Anonymous on 10/27/2009:
It must be because we are a 'no fault' state. Last year I was rear-ended, by a rented car (Enterprise). The young lady didn't have the insurance. My insurance company handled everything. I believe th eprincipal of the 'no fault' is that your insurance company gets you fixed up, then they go after the other driver's company to get the money.

It just always sound really foreign to me when someone says they had to call some other driver's insurance company. I've never even had to call my own insurance company directly, my insurance agency handles the claims for me.
JR in Orlando on 10/27/2009:
No-fault in Florida covers medical and lost wages, not cars. If the poster wanted the car covered, she should have bought collision coverage. Her insurance company has no obligation to her regarding the car or collecting from the other party, because she did not buy that kind of coverage.

Geico did everything right here. The poster IS NOT THEIR CUSTOMER, the other woman is. Their only obligation to THEIR INSURED is pursuant to the policy. When their policy holder bounced the check on them, no premium was paid and the liability portion of the policy lapsed.

The person in front of this poster should go after the poster's insurance company liability coverage because if the poster had her brakes properly applied and was a reasonable distance behind, the front guy would not have been hit. They both should also sue the lady in the back.
skelly39 on 10/27/2009:
Actually, no-fault just applies to medical and wage loss. You sound like you have a great agent. Most of them don't want to do anything once they get paid their commission.
jmbjamep on 10/27/2009:
JR, for the record I was at a complete stop, the woman came over a hill on the interstate going nearly 70 mph, hit her brakes for 50 feet, then hit me. She has been found 100% liable for the accident, and the guy in front cannot go after me, I was not at fault at all even for his damage.
Anonymous on 10/27/2009:
WHY were you at a complete stop on the interstate?!
Anonymous on 10/27/2009:
I'm thinking rush hour traffic, Lady. Gridlock.
jktshff1 on 10/27/2009:
Lady, looks like the op was stopped because of some sort of incident on the interstate and was plowed into since "multiple" vehicles were involved.
JR in Orlando on 10/27/2009:
JMBJamep - The guy in front can go after you because you hit him. From a civil litigation standpoint she has not been determined to be 100% at fault. Most states have comparative negligence, so that even if she was 90% at fault, a jury may find you 10% at fault - failed to have brake lights or emergency flashers on. That guy can certainly go after you, whether it is worth it depends on his damages and his attorney's evaluation.

Criminal tickets do not establish civil liability. They merely say the person broke the law.
Anonymous on 10/27/2009:
BK, jkt, I see...I had a DUH moment there.
jktshff1 on 10/27/2009:
stuff happens kid! LOL!
madconsumer on 10/27/2009:
geico sucks rocks. they cancelled me mid term after they paid on my accident.
Anonymous on 10/27/2009:
Mad, unfortunately, insurance companies do that sometimes. If you cost them money they will drop you.
jmbjamep on 10/27/2009:
Traffic was at a 3-lane wide stop because earlier in the day a semi overturned on the interstate and they were cleaning up from that. JR even GEICO has conceded that their policyholder was 100% at fault. We are not a compensatory state here, we are comprehensive. If it matters, the state trooper that was the car directly in front of the vehicle I hit and the accident report says ONLY the person that hit me into him was at fault. I was stopped, he was stopped, she NAILED.
Anonymous on 10/28/2009:
jmb, you will probably have to sue the at fault driver. If Geico has dropped her, and if she bounced her premium check, they legally can as the payment was not made, then they are not responsible for payment.
Anonymous on 10/28/2009:
Skelly, I asked my agent what 'no-fault' exactly means to me. She sent me an article which I excerpted:

"Other Benefits/Claims you may have which you can often resolve without an attorney include:
1. No-Fault Claims
a. Medical Bill Claims
b. Wage Loss Claims
2. Car Damage Claims
3. Car Rental Claims
4. Towing, Storage Claims "

So, no-fault does indeed apply to damages to my vehicle, which is why my insurance agent and insurance company handle all the dirty work.
jmbjamep on 10/28/2009:
I guess what I don't get is that GEICO had reinstated her policy, prior to the accident. They fixed her car, they put me and the other driver off for 2 1/2 weeks to have an adjuster look at our vehicles. It seems like if not for $25,000 in claims against her, they would have given her time to correct the returned check.
skelly39 on 10/28/2009:
Ken-What it says is that you can resolve your vehicle damage claim without an attorney. No-fault applies to medical and wage loss only, meaning no matter who is at fault, your insurance company pays your medical and wage loss to your applicable limits. The only state that doesn't allow you to go after another party for your vehicle damage is Michigan.
bleh on 08/02/2012:
I think your next option is to go to Court and sue them for your damages. You may want to consult a lawyer
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Great while you pay, Terrible when you need help
Posted by on
We were Rear-Ended July 3rd 2009, it is now Aug.52009, Money for totaled vehicle not in my hand yet, rental due on the 8 of Aug. I had to use my own Geico insurance because the lady whom rear ended us(reckless driving)lied about it twice therefore extending the time for us to get a rental while the wife goes to therapy.
I am allowed only 30 days rental on my own policy Geico doesn't want to extend even though they feel for me due to their very late provision of the money for our 2005 Scion which they gave me way below their market value. Now we have 3 days to find a vehicle, oh and we were told we should have been shopping already, really? How do you shop without knowing what your limit on spending is? We just found out the amount 24 hours ago. As a victim (police report and witnesses testimony) we are being treated by our own insurance company as if we were the ones who rear ended ourselves. The ones at fault have full coverage insurance but Geico took over the case and is hanging on to it until all is settled, but according to their rep, they were to switch all over to the responsible party as sonn as they admitted guilt. They admitted guilt and Geico did not do any switching. They refuse to talk to me about the low amount for our totaled vehicle, the wife is going to Therapy can't raise her arms above shoulders, sleeps on sofa due to our bed being to low for her to get up. Is in constant pain, but this is non of Geico's concern, their hands are tied (according to them) it is like they are defending the lady who totaled our vehicle. We have an attorney thank God. He already pre-warned us about Geico's practices because he used to work for them, so we will soon have all that under control. Geico's people make changes to your policy and situation when you have an accident and never inform you. They are your best friend and very understanding as long as you don't ask for help when you are clearly a victim. Good luck getting a return call from any of their reps or their supervisors. One of my best friends is an adjuster for an insurance company I shall refrain from mentioning so he doesn't lose his job, and he told me exactly how they were going to play it all out step by step, he was right on as if the whole thing was played out per a script. I would never recomnend them nor use them at all agai. Here is some good advice, should someone hit you and you find out they have Geico insurance, don't bother calling them, turn the matter over to a good attorney and save yourself the trouble. When explaining something to you they use a lot of fancy words to tell you, you are S_ _ _ _ out of luck. Geico employees would make great fillibusters.
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MRM on 08/05/2009:
No disrepect here but it is a sign to take advantage of the clunkers program.
goduke on 08/05/2009:
If you know who the insurance company for the other driver is at this point, why wouldn't you just go after them?
PHG on 08/05/2009:
goduke, good question, I have dealt with insurances before and know the procedure, here is the kink, the lady that hit us lied and continued to lie about what happened so the investigation concluded by the CHP had to be continued and that took another week, meanwhile my wife needed a vehicle, so I gave her mine and either took a bus for the 20 miles to my job or hitched a ride. We both work in different directions and neighbors are retired so don't work and my closest family member is in the state of Arizona. However, after the insured finally admitted guilt, Geico never switched the whole thing over to the other isurance like they said they would and only compounded our problems as shown on my comment. The other person's insurance needs to see a complete police report before giving you a rental, giving you a rental before the report is like admitting guilt, which insurance companies are careful about. As for the clunker program, I don't qualify because the car is in Geico's possession and I would have to pay 1000 dollar salvage fee to invoke that move plus pay to have it towed out of their yard in Fontana another 38 miles away from me.
Eloise on 08/05/2009:
What a terrible situation. I hope your wife feels better very soon!
PHG on 08/05/2009:
Eloise thanks very much and will pass it on to wife,little comments like this really help her, this is her first accident and she is 50 like me, don't let on that I put her age on the internet!!!!
Eloise on 08/05/2009:
Well I hope she's up and around very soon! Good Luck to both of you!
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Making a claim
Posted by on
A few months ago, I was rear ended by a rental truck. This truck was merging into the traffic and had a yield sign, which in my opinion the driver did not obey or he would not have hit my car. Thankfully, I was moving very slowly when I was hit. Actually I was hit 2 times. This was the height of the evening rush hour.
I called the police and all this time truck stayed behind me. All the other traffic was passing. The driver of the truck said he did not hit my car. Excuse me, but the force of a truck bumping a car is not as great at when a car hits a car. This is just a little common sense.
Anyway, after Geico investigated the situation, the truck rental company claimed there was not damage to the truck. Hmmm Again, big truck little car and this is a rental company so I am sure there are a lot of scrapes on the bumper, but not according to the truck rental company. There are numerous scrapes on my bumper. So after calling and calling Geico (by the way, they are not my insurance company) they finally said there was not enough evidence to support my claim. I was so taken back by the result that I couldn't even respond to the claim person on the phone and I just hung up. I was told tol call my insurance company and let them handle the claim. Why should I call my insurance company when it was not my fault. That night I sent that person an e-mail with a question that I expected a reply to. But. of course, once they are finished with you they no longer want to know you or reply to any questions you may have.
It seems their major priority is not consumer relations, just flooding the media with stupid commercials.
I did not make any false claims, or claim that I was injured and had to go the hospital. Maybe I should have, I would have gotten better results. It seems it does not pay to be honst, you have to make a big deal out of things so you can get results, and in this case have my car repaired as I deserve to have done and not through my insurance company.
Just feel I have to let the world know how this company handles claims if it is not something major and they feel they can get away with it.
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Alain on 01/09/2011:
What did the police report say? Your insurance company may have some useful advice for you if you give them a call. When I had my last car accident (hopefully) in 1984 my insurance agent (even though my insurance company was not involved) recommended a good attorney to me who eventually won my lawsuit against Allstate (the other driver's insurance company).
Anonymous on 01/09/2011:
Yeah, don't you have a police report?
trmn8r on 01/09/2011:
In some complaints, a key piece of information is missing. In this one, there is.
madconsumer on 01/09/2011:
geico does anything they can to NOT pay claims. you should see what it is like being a client of geico and make a claim.

great review.

very helpful.
trmn8r on 01/09/2011:
It would be a great review if there is evidence that the rental truck damaged the car.
momsey on 01/09/2011:
My question is the same as the others. What did the police report say?

Mad, every insurance company does what they can to not pay claims. It's nothing unique to Geico.

Why wouldn't you call your insurance company? No, you don't think it was your fault (but no backup from a police report, just your opinion) but if you run into trouble with the other guy's insurance company, then you need help.
spiderman2 on 01/09/2011:
You have a few problems here ..starting with the quote "in my opinion" that the driver did no t obey the yield sign. Your opinion doesn't mean anything. The police were called, what was their opinion? Because that is the opinion that matters.
Secondly, you are not Geico's client, the other drive is. Unless there is a police report faulting the other driver, that are going to believe their client.
Third, if you think that fabricating injuries and going to the hospital would get you further, you are wrong.It could at the worst, bring a charge of insurance fraud and at the best totally diminish your credibility.
You need to submit this claim through your own insurance company. I know this is distasteful when you feel you didn't do anything wrong, but it is a service that you pay premiums for every year. Good luck.
blanco on 02/19/2012:
you are not insured with geico, and as far as I know geico does not write commercial policies (I.e. rental trucks) so who is insured with geico?
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Claims Dept. Is Very Unprofessional
Posted by on
Rating: 1/51
UTAH -- After submitting a claim against an insured driver of theirs, who was 100% responsible for damage to my car, they denied any compensation for repairs.My car was not legal to operate afterwards. My mistake was not to call the HP and file a report, but Geico told me any post police report wouldn't change their decision of denying the claim.

I want some Justice is all. Geico's actions left me with a very bad sentiment for any future business.
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Bill on 06/07/2013:
Hire a lawyer.
MDSasquatch on 06/07/2013:
This is why you have an insurance agent of your own. You file a claim with your insurance to get your car fixed. Your agent then files the claim with GEICO to get reimbursed. This is called Subrogation, and your agent probably deals with it every day.
LauraW on 06/07/2013:
Go through your own insurance company. If you have proof that the accident is the fault of Geico's client, your own insurance should handle the repairs and go to Geico for the money.
Weedwhacked on 06/07/2013:
They work for the other driver, not you. They see you as the enemy and will not pay you anything unless you get your own insurance company involved, or sue them.

The way insurance companies are allowed to operate, either way its going to cost you money.
John Nicholson on 06/07/2013:
Regardless of the cute commercials, GEICO is not the cheapest nor the most reliable auto insurance company. As for your situation, you apparently did not get an accident report. Not knowing what state you are insured in, it is hard to give you a definite answer. In my state, we have "no fault" insurance, which means your insurance company handles the claim. Even if you live in an "at fault" state you need to file a claim with your insurance company.
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They don't care when you have a claim
Posted on
CALIFORNIA -- I've gotten in an accident and after giving my report they automatically said it's my fault 100%. Isn't insurance supposed to be on your side and listen? It bothers me they said it was 100% my fault. yes I had a stop sign and the other driving didn't but to say the other driver was not negligent at all is BS. I had State Farm before and they cared they would thoroughly investigate for you and deem drivers at fault percentages. But here at GEICO they just want to close the case, point fingers and move on.

PROS: CHEAP insurance
CONS: once you have a claim it's over. They treat you like a child, are nasty and rude, and don't care about you or what pictures you have submitted to prove your case. It's like they're on other drivers side to raise your premium!! ROBBERS are right!
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FlShopper on 01/16/2012:
If you ran a red light then I would also say that you are at fault. What was the evidence/proof you have that it was somehow due to the other driver's negligence?
I also have GEICO and last year I filed my first ever auto accident claim. It was my daughter's fault so we had to pay the ticket and driving school, but GEICO took care of the rental and the repairs with courtesy and efficiency. I was most impressed with how they handled my claim.
*SIGH* on 01/16/2012:
what did the police report say as to who was at fault? Did you get a ticket?
madconsumer on 01/16/2012:
what did the police report state as who was at fault?
trmn8r on 01/16/2012:
If you had the STOP sign, and the other driver didn't, I can see how they MIGHT deem you 100% responsible. It depends on other details, such as did you run the STOP sign, did you fail to yield, etc. If you pulled out and your car died and the other guy came along and slammed into you, that is another matter completely.

What did the police report say? What are the details of the accident?
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Happy with GEICO
Posted by on
I'm afraid of the possibility of GEICO dropping my 18 year old daughter from our insurance policy and I've been researching GEICO practices. I have to post praises for GEICO and the manner in which they have handled our claims. In February 2009, my daughter decided to pass a man who was traveling rather slowly. It was a bad decision on her part since she was on a two lane road and it was a no passing zone. The man admitted that as she began to pass him, he wanted to "encourage her" to not pass him on the dangerous road so he sped up and crossed over the center line into her lane! The two cars side-swiped each other and my daughter lost control of her car. She went off the road to the left and then across the highway before coming to a stop on the right. She was lucky that she was not injured, but the car was totaled because of the concrete mailboxes she hit along the way. One post went right through the windshield! GEICO is arguing with the other insurance company that my daughter is only 30% at fault while they claim she is 50% at fault. It is 11 months later and that claim is not settled, but I praise GEICO for the manner in which it was handled. My daughter's car was totaled and GEICO paid us more than we expected to get for the car. They called us numerous times to give us updates with the claim. They could not have been more helpful and always answered when we called them. Six months later, my daughter ran into the back of someone while in bumper to bumper traffic and going really slow. The other vehicle had a scratch (literally) on the bumper, but my daughter's 2nd car had complete front end damage. I took it to a repair shop where the GEICO representative is located and begged the representative to fix the car and not total the car. I was tired of shopping for good used cars! The repair job was just under 75% of the car's worth (which was $7,000) and they fixed it in a week. We were again very happy with GEICO's service. NOW ... my darling daughter who can't drive very well ran a red light and was hit by an oncoming car as it was turning left. Her car has significant damage to the passenger door but we have no intentions of having it repaired. (WHY bother?) The other vehicle needs a bumper and a fender. We offered to pay for these repairs out of our pocket to avoid an insurance claim, but the other driver has now filed a claim with GEICO. I will not be surprised if GEICO decides that my daughter is too dangerous and drops her from the policy, but I have to say that we've been very satisfied with the manner in which they have handled each of these claims.
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goduke on 01/11/2010:
Perhaps you should invest in an armored vehicle for your daughter. Glad she hasn't been injured in the mishaps. Maybe some driving lessons are in order for a birthday gift.....

Glad Geico's doing well for you. I imagine pretty soon they are going to either get a drop notice, or see your rates go farther up than they already are, and move her to a high risk carrier.
yoke on 01/11/2010:
Geico may do more than drop your daughter off your policy, they may cancel you all together. Your family is to much of a high risk.
Slimjim on 01/11/2010:
Ouch, three at-fault accidents in less than a year. It will be interesting if they insure you at all with her on the next policy and if so, how much. They still may be competitive though, since all the other carriers will nail you too.
Nohandle on 01/11/2010:
Magees, I loved this story. Please tell another and I'll get the popcorn ready.
Anonymous on 01/11/2010:
Heck, if NH is making the popcorn, I'll make the drinks.

goduke on 01/11/2010:
Big girl drinks!
Anonymous on 01/11/2010:
For my family's sake what state is the OP's daughter in so that we can avoid it?
She needs to be grounded until she proves that she is responsible and worthy of driving an automobile before someone gets seriously hurt or worse.
Driving is a privilege you know?
madconsumer on 01/11/2010:
geico dropped me mid term over an accident I was involved in. geico sucks rocks.
Buffalo Guy on 08/27/2010:
Unfortunately with 3 at fault claims in a 1 year period, it will probably not be the best outcome. Having experience in insurance (with another company), the following could potentially happen:

1) Geico may keep all of you insured, but could increase your rate.

2) Depending on the state, your rate could be kept the same. However if that were the case, they will probably have you sign a form stating that your daughter is excluded from the policy and that they will deny all claims that happen with her driving such vehicle.

3) Your policy could be non-renewed due to claims frequency.
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Failure Of Geico Agent To Fully Disclose Terms Of Auto Accident Settlement
Posted by on
CHARLOTTESVILLE, VIRGINIA -- My Subaru was hit and totaled by a Geico insured driver in February of 2007. My air bags deployed, I was unconscious and suffered other injuries. I finally agreed to a $5,000 settlement in May of 2008, only to be told a year and a half later that this amount was simply to cover the money they had repaid to Medicare for my medical costs as a result of the accident.I When I received my first letter from Medicare telling me that I was to repay them, I called Geico and was told my another Geico agent that the only monies Geico had paid to Medicare was a check in the amount of $10.50. In my opinion, this is out and out fraud on the part of Geico.

NOW, Medicare if asking ME to repay them for the $854.45 they paid on my behalf. When I complained to the Geico agent who handled my claim, he said, "Oh, I told you what this $5,000 was for, and since its been such a long time since we settled, I am sure you will never hear from this in this regard". Well, guess what? My letter of 10/13/08 from the Medicare Secondary Payer Recovery Contractor states, "Your failure to respond as requested within (60) days of the date of this letter may result in the initiation of additional recovery procedures without further notice, including referral to the Department of Justice for legal action and/or the Department of the Treasury for other collection actions".

I am 75 years old with social security being my primary source of income. I don't have $854.45.

The Geico agent handling my claim called me two weeks ago to say that he had successfully settled any claims that Medicare might have with them, and consequently, myself. Doesn't appear to be true.

I went on line to find out who is on the Board of Directors of Geico, and I will begin to file my complaints with each one of them.I will also write to Warren Buffet. Probably won't do me any good, but I have already written several letters to Medicare, and they don't seem to be working on my behalf either.
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madconsumer on 10/21/2008:
geico is bottom feeders. to bad you learned this the hard way.

hopefully, all will end well for you.

very helpful
spiderman2 on 10/21/2008:
This is how it works. When the insurance company settles with you if you have any medical bills that were paid by your private health insurance or medicare, they will be reimbursed first. An attorney or your own insurance adjuster would have told you this, but I don't think you are going to get that type of service from an adjuster from another insurance company.
Anonymous on 10/22/2008:
I'm a bit confused. GEICO settled with you for $5000 and claims the money went to reimburse Medicare. Medicare says they have only been reimbursed around $10. Where is the other $4990? Was the balance used to repair your vehicle? Or, was the cost of your Medicare-paid care about $900 more than the settlement amount? I would not remit a dime to Medicare until there is a full accounting and disclosure of the amounts paid by GEICO and to whom. It is horrendous that Medicare threatens to sic the Department of Justice on you at this point. You ARE responding to Medicare. You are simply not paying until you find out where your settlement money went. Point out that tidbit to the thugs at Medicare. Medicare's functionaries are among the most inept and inaccurate Bozos on the planet and there is a high likelihood they are wrong about their assertions. Good luck with this!
yoke on 10/22/2008:
Did you ever receive a check for $5,000?
You slacker on 01/30/2009:
next time get a lawyer.
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Posted by on
FLORIDA -- Geico Insurance should be Considered the next ENRON! Not only do they lie to you and take your money, but when you file a claim it gets even worse! last November my daughter had an accident in our 95 Eclipse,total damage estimate was in the $6000 range(initially)..ended up taking over 2 months for the repairs to be completed, when we went to pick up the car, found numerous problems, car wouldn`t start,when they closed the hood they blew the a/c hose,(admitted they had installed the wrong one) and put too much freon in. after 2 days the a/c went out...called geico and they refused to repair the a/c stating it "Was Not" accident related! GIVE ME A BREAK!..It worked FINE before the accident!..I can go on and on about that ordeal!needless to say the claims adjuster no longer works there!..This past Dec.the car was broadsided in a mall parking lot and again we called Geico to the rescue!...Another mistake! Total damage estimate $3480,it has been almost a month and a half and car still is not fixed! got a call today from the body shop and was told they found front suspension problems which they didn`t see previously, and will cost an additional $2000,We called Geico and told them we want the car TOTALED!..they refused, and gave authorization to the shop to fix the front suspension!..We are talking almost $6000 in repairs that they are covering on a car that is worth $3400!! Give me a Break here! Talk about a waste of money! I don`t know what to do first,buy them new batteries for their calculators or call an attorney!...I think I will do both, right after I contact the Insurance Commissioners Office!
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Ponie on 02/08/2006:
I agree with Geico that the repair needed on the a/c was not accident related. The shop that repaired your car (wrong hose installed) should be responsible for that cost.
Anonymous on 02/08/2006:
Let me get this right, you are complaining about Geico for paying to have your car fixed??? Hmmmm interesting. Your daughter should not subscribe to your thought process anymore, that way she will stop wrecking cars.
Aember24 on 05/06/2006:
OK here is my advice. Considering I am a claims adjuster. First of all NO insurance company will pay more than the actual cash value for your vehicle. So your claim that they are paying out over 6000 dollars for a car worth much much less than that than opposed to just totaling the vehicle out is hard for me to believe. And yes the dealership, NOT Geico is responsible for the A/C. So you do need to take it up with them. You have insurance in case of an accident and it seems that so far Geico has covered your losses. So what's the deal?
mkemoran on 05/16/2006:
This is for amber, Please give me your opinion!
I got a DUI charge, was driving a loaner from the shop where my car was for repairs.
They took for ever to give me the car, put me into this car, free but they did ask for my insurance info.
I crashed their car and hit another one. Now Geico says that the shop's insurance is the primary and I am the excess but they refuse to pay for the damages -I- caused to the shop's car. However, they are paying for the other car I hit.
I have full coverage, and according to the guys at the shop, Geico Should pay for everything.
What can I do? they basically said they won't cover the car since it is not my car.
notahappycamper on 05/05/2007:
FYI Everyone, After a year of fighting with Geico. They finally TOTALED the car! they spent over $11,000 in repairs on a car that was worth $8000. Then paid out another $8600 to us to settle our claim. What is wrong with this picture here? Paying out almost $20,000 on a car that should have been totaled from the GET GO! And we wonder why our insurance rates are so high!. THANK YOU GEICO!..LOL
Starlord on 05/17/2007:
I don't see why everyone seems so surprised. Hasn't anyone found out exactly what GEICO stands for? It is Government Employee Insurance Company, and originally, they insured only government workers, until they figured out they could make more money by screwing everyone, not just an elite group.
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Posted by on
CALIFORNIA -- Was very unhappy with claim service
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trmn8r on 01/03/2011:
I see. How so?
Skye on 01/03/2011:
Details are needed so that others can understand what your complaint is about. General statements do not tell us or give us any information as to what you are complaining about, and why you are unhappy with them.

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