CALIFORNIA -- I was on the road with right of way when a Geico policy holder "floored it" out of Taco Bell parking lot, ramming her front end into the side of my vehicle causing a little over $2300 in damages to my vehicle and caused a whiplash injury. I immediately called 911 from my cell phone from in the middle of the road. When law enforcement arrived & did their investigation, he (the officer) determined the "other driver" (Geico policy holder) completely at fault, as I was legally on the road, having right-of-way, I had to provide the police report to Geico claims.
They "investigated", even going so far as to tell my mechanics they were trying to figure out how to put 35% liability on me, even though law enforcement already put liability on the other person. It took a month to get a rental car at their expense. I had to TELL them to contact my mechanics to authorize repairs 96 hours after their "date of liability determination."
I had to contact them a week later to TELL them to cut the check to pay for repairs to my vehicle. (This should have been done at the same time as authorization was given to the shop). When I FINALLY got my vehicle home and repaired 1 month 15 days after the accident, I again had to call and TELL them to contact the rental car company to OK through November 16, 2012 so the rental car company would return the $86.00 deposit money that I had to pay out-of-pocket.
(I am disabled and on SSI/SSD, so this is a lot of money for me to be out in "limbo") I am not happy at all with having to dictate every step of the way to the insurance company how to do their job when I am injured and my vehicle was damaged due to one of their policy holders showing incompetent driving on a clear, sunny day at 12:09 pm in California.
MACON, HAWAII -- In July 09 my policy was up for a 6 month renewal. The first payment made for the renewal is actually 2 payments. I had recently lost my job & didn't have the entire $330.86. I spoke w/ a man at Geico who told me that they would allow me to pay what I could that day & pay the remaining balance two days later, when I got my last paycheck. I paid $80 on 7/13 using my checking account.
I called back on 7/15 to pay the remaining $250.86. I spoke to a lady who took my payment using my checking account. I got a letter in the mail on 8/11 informing me that my policy was canceled on 7/30 for non-payment. I called Geico to find out what was going on. I was told that I never made the payment of $250.86. They had nothing in their system. I then checked my bank statement & the money was never taken out. I didn't check w/ my bank b/f that b/c I had never had a problem w/ Geico b/f.
So someone messed up & didn't process my payment. I thought well let me pay what I owe & everything will be fine. Wrong. I was told that b/c of a lapse in coverage my 6 month premium was go from $900 to a little over $2000. What a bunch of BS. It didn't make sense, it wasn't my fault. I couldn't get any help from Geico, so I went w/ another insurance company. I checked my bank account the other day & found a charge from Geico for $44.05 on 8/12.
I called Geico, got no help from the representative I spoke with. Then I spoke w/ a supervisor who told me that I made that payment w/ my debit card & it was a payment for a new quote. WTF?! I told him that I never authorized that payment. I was told that I had to b/c they had my debit card #. They have my debit card & checking account info in there system.
I have always made my payments over the phone, so they have had that info for the past 5 yrs. I asked for proof that I authorized the payment, he couldn't give me any. I told him that he needed to refund that money back to me. I was then told that he couldn't do that & I would have to take it up w/ my bank. Do not get Geico insurance they are liars & thieves!!!
BUFFALO, NEW YORK -- My lawyer called me yesterday and said GEICO gave us an offer of $4,000. I was livid at the fact and after spending 6 months under Doctors care, physical therapy, & medication I had to take for pain. I was in an accident in Nov. of 2007 which a kid ran through a stop sign to try to get in front of me to get to the other side of the road in the opposite direction.
He ran right into me on the front passenger corner of bumper. My car spun around 3 times and stopped in front of on-coming traffic and I was hit again by another vehicle, my airbags deployed. I was so shook up I didn't know the extent of my injuries until after I was in the hospital. I couldn't turn my head and my arm was numb, which my jacket got burned and my neck from the airbag.
It happened at night on my way to work and maybe half a mile from my house. From that day on, I have experienced MRI's, couldn't turn my head for 3 months, headaches on a daily basis, muscle spasms that I never knew what they were until I felt them the first day soon after the accident. I have a 1 year son, and a 3 year old little girl whom I literally could not lift without problems. I am only 5ft. 2in. tall and weigh only 102 pounds.
This has put a lot of stress on my life, and my children. I haven't been able to work in the same kind of work due to lifting too frequently. GEICO's 1st offer was only $4,000 and I am beside myself as to why??? I was out of work 6 months, had soft tissue injuries, whiplash, moderate herniated disc., muscle spasms, and headaches.
My lawyer said we should file suit and take it to trial. What really happens next? Will they give another offer before he files, or before trial? Or not at all? Could I talk to the adjuster myself? If so, where would I find out who she is? I am so confused. I live in New York State. All help is greatly appreciated!
PETERSBURG, VIRGINIA -- On July 7, 2007, the temperature was in the upper 90; I was on a road in Buckingham County (Rt. 636) in Virginia. My 2006 BMW went into a ditch and I could not get out; there was no services on my T-mobile cell phone; therefore I couldn't uses my phone for help. The road was in a rural area with no homes or business around for miles. I start walking for help and finally a young couple stop to help me. They went back to my car to see if it was anything they could do to help me. The car was too deep in the ditch; therefore they let me used their cell phone to call for help.
A call was placed to Geico Emergency Roadside Services and according to them; there was no one to help me and no other options was giving at this terrible time of a crisis. I, as a policyholder; pay Geico for two full coverage vehicles each month and have had this company for a long time. This company did not provide the service to me that I paid for each month. Geico has caused me a lot of anger, disappointment, fear and stress due to this incident on July 7. I as a policyholder have no more truth in this company due to I have been mistreated once before.
A year ago my 1998 BMW was a hit and run in a parking lot and the whole front bumper was almost ripped off. The car was taken to Bruce's Body Shop in Virginia on Midlothian Turnpike and a very poor job of repair was done. The whole bumper fell off the car within 24 hours of repairing it. Geico was call to explain what had happen; they had the nerve to say to me "Oh you must hit your own car and we will not pay for the repair." Why will I destroyed my own personal property and knowing this is an out-of-pocket cost for me?
The car was taken to the BMW Dealer on Midlothian Turnpike after Bruce's did the work the next day and the service department stated the bumper was not put on properly; the sensor was missing from under the bumper and no screw to hold and mount the bumper in place. The cost for this was my $250 deductible for Bruce's and $1100 to the BWM Dealer for the incorrect replacement of the bumper. Geico needed to be held responsible for the abused treatment that their consumer received due to neglect on their part and BBB need to made aware of this as well.
SHAWNEE, KANSAS -- OK, here is the deal. One day I stopped to get my son lunch before heading over to do my laundry at my in laws house. I pulled out, and just as I did, a car came flying around the corner. Needless to say, he hit my front drivers quarter panel, throwing my van, containing my husband, and infant son sliding out of control onto a curb heading for a sign. I probably did more damage trying to stop the car than hitting the curb did.
I instantly called for a ride (my car was not driveable), and then called Geico. I did my report while waiting for the police and paramedics to clear me to leave. This was on a Tuesday. Wednesday I called them, told them I needed to know who my adjuster was, because we wanted to get the car out of the tow lot and into the salvage yard. (We knew it was a goner!) They gave me the contact info, and I reached the person who informed me they had already looked at my car, and it was probably a total loss.
Thursday he called me and told me for sure it was a total loss, and was cutting me a check for the fair market value. Friday rolls around. We meet up, sign over the title, and walk out with a check for MUCH MUCH more than we expected MINUS our deductible.
The car seat took at little longer, and they only reimbursed for 200, not the 305 I had to pay for it, but the extra on the car made up for it. In all, I would HIGHLY recommend them. From accident to check in hand was only 75 hours. We are happy to say, this is the FASTEST time anyone has ever known of for turn around.
OHIO -- Blacks Sue GEICO For Race Discrimination In Auto Insurance Rates
Nationwide Race Discrimination Suit Filed Against GEICO
Minneapolis. MN. (April 3, 2006,) Cohen, Milstein, Hausfeld & Toll, PLLC (Washington, D.C) and Nichols Kaster & Anderson (Minneapolis) filed a nationwide class action lawsuit today against GEICO alleging that the company discriminates against African Americans/Blacks by regularly charging them higher insurance premiums than it charges Caucasians with the same driving records. They filed suit in the United States District Court for the District of Minnesota in Minneapolis.
The complaint alleges that GEICO, the fourth largest private-passenger auto insurer in the United States, with over seven million policyholders, uses occupation and level of education of its policyholders to determine the premiums it charges them. As a result, customers with less education and/or hold occupations that require no more than a high school diploma are considered a greater risk - and thus charged higher premiums - than customers with more education and/or hold occupations that require advanced degrees. GEICO uses these factors in 43 states and the District of Columbia.
Instead of correlating with risk, these factors correlate with race. According to a March 25, 2005 U.S. Census report, 30.6% of Caucasians possess a bachelor's degree or higher, while only 17.6% of Africans Americans/Blacks have such education. Well aware of these differences in average education levels for Caucasians and African American/Blacks, GEICO's use of education and occupation reflects the knowing and purposeful use of race to set its auto insurance rates.
Nor did GEICO disclose its use of education level and occupation to the public or to the state insurance commissioners. Instead, they are hidden among the company's underwriting criteria, rather than disclosed among its rate information.
The plaintiffs are asking the Court to declare GEICO's policy and practice discriminatory, and issue an injunction prohibiting the use of occupation and level of education as factors in GEICO's underwriting policies. The plaintiffs are also seeking monetary relief to redress the alleged discrimination.
"GEICO exploits the racial divide in America by linking its auto insurance rates to the levels of education and occupations of its policy holders," said Joseph **, a partner with Cohen, Milstein in Washington who is lead counsel for the plaintiffs.
"Exploiting widely recognized and longstanding differences in education attained by African Americans and Caucasians in America, GEICO has linked its auto insurance rates to the levels of education and occupations of its policy holders. GEICO divides this nation by presuming that people with limited education pose greater insurance risks than do well-educated people, a stereotype that is belied by driver behavior on every road in this country." If you have any information about these practices or you believe that you have been discriminated against by GEICO, please call, toll free: 1-877-504-4454.
I was rear ended by a van August 10, 2009 by a woman insured through Geico. She was cited and an accident report was filed with the police department. Geico seemed pretty nice until the medical bills then the adjuster told me that Geico would only pay $3,400 of the $7,800. The adjuster told me that they would not pay more than that because the doctor charged too much. I have dealt with insurance companies before but never have I heard such garbage in my entire life.
The adjuster seemed really angry and tried to downplay my injuries saying it was just a very minor accident according to her insured. I have filed a complaint with Division of Insurance in Alaska and am really upset with the shoddy treatment by the Geico representative. The thing is this is only the second time I have been in an auto accident the other time was in 1986 and as I recall the other insurance company had no problem with paying medical expenses. I hope to God that if there is a next time the person who hits me is not insured with Geico. I know I would never go through an insurance company like them.
TAMPA, FLORIDA -- I was a loyal Geico customer for over 10 years. I never had a claim. In a one year period, my wife and I were hit twice while our cars were not moving. First I was hit at a stoplight when a driver passed out and plowed through an intersection and hit a turning car in front of me. Again, my car was at a dead stop. Later that same year, my wife's car was hit in her parking lot at work, when she wasn't even in the car.
Would you like to know what GEICO did? Cancelled my coverage. When I called up and talked to them, their reason was that there were two claims against my policy. What? Basically, after even talking to a supervisor, I was punished because both accidents were caused by other GEICO insured drivers. I will never ever do business with this company again. They took $15,000+ of premiums from me and then cancelled me because I had the misfortune to be hit twice by other Geico customers.
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 email 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 chosen 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.
Just a warning to persons who purchase GEICO's road hazard coverage which provides towing for mechanical breakdown or lock service - just like AAA. I used the lock service for my son (who was in college) 2 times and recently when I was receiving new quotes for insurance learned that GEICO reports this as a claim to the insurance indexing bureau.
This interferes with your ability to retain insurance as other companies look at this as if you have made a claim. It equates to misinformation on a credit report which interferes with your credit rating. Don't purchase this coverage from GEICO or any other insurance company, you are better off simply buying a policy from AAA.