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 an 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, **, to explain the situation. She was the MOST RUDE customer service representative I have spoken within 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 arrived. 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.
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.
I have been with Geico about 17 yrs. have had 2 speeding tickets back in the early '90s, have never been in an accident that I caused, never any DUIs. Last November my car wasn't running well so I decided to park it and called Geico, the representative told me that I could put my status as "inactive" as I did not want to cancel but intended to re-activate my coverage later. As I told the representative I did not want to lose my longevity with Geico...she assured me that as long as I re-activated my insurance within 6 mos. that I would not be considered cancelled, merely, in-active.
In April, thankfully, my car was OK mechanically enough to drive it again so I called Geico. This time I was told that my car insurance had been cancelled and a new policy (the same type of policy as before) was going to cost me quite a bit more per year. I really had to press the issue that I had not cancelled, to no avail, and it took some questioning about why the increase with my good driving record and my vehicle being parked in a well lit area with surveillance cameras. How could it go up in just a matter of a few months?
Finally the representative said that it was because I lived in a tornado area. I live in the mid-west...she said that since they had had to pay out for so many damages to others it raised the rates for everyone. I needed my insurance so I reluctantly 'opened' a new policy with Geico over the phone, with a one-time auto-pay from my checking acct. My coverage is paid to October 6th, but they sent me a payment due in August...if I initially, paid the total amount due I would still have to pay a $5.00 installment charge. I decided to not pay until the amount is due in Oct., pay the full 6 mos. amount minus the $5.00 installment charge as it will be the full amount due not an installment.
I fully intend to change my car insurance company from Geico...I don't know what happened to the customer friendly, great company Geico used to be and the once great experience I had (for 17 years). That is obviously gone and I need to accept it and hopefully, find a new company to have better car insurance coverage/experience than the shaft that Geico has given a long time customer of good standing...
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.
MIDWEST, OKLAHOMA -- Thanks to my3cents dot com, we have this wonderful place for expression, I often wonder if the financially voracious social clubs we call banks and insurance companies actually listen and respond to public concerns. For me, it's not about the money. We make more, we spend more... and we take none when we go! So where did our society go wrong, who decided we "must be insured"? And are we better now than we were before?
My past experience with Geico was rather benign. I received insurance coverage from them for two years without incident. I even insured my teenage daughter at a reasonable rate. Without going into great details, which seems to be what the future of insurance is all about, I will keep this simple. I let my insurance lapse. I was driving a company pickup that was covered on a separate policy. Later, after getting a new (used) personal vehicle, I contacted Geico for insurance. Wow! my premium about doubled. The used pickup is a little smaller, less power and I have a clean driving record.
Then the notice came... "FAIR CREDIT REPORTING ACT NOTICE." I couldn't believe what I was reading. I was wrong, it is about the money. It turns out insurance monsters are now evaluating us from our credit score. In a 2000 report, James **, ACAS, MAAA, conducted a study of 170,000 drivers and came to the conclusion that, individuals with bad credit and clean driving records actually caused 27% more in claim losses per premium dollar than people with good credit and poor driving records.
Okay, now where do I fit into these statistics? I'm 40+, I have no tickets and no accidents in the past 6 years. I drive less than 5 miles round trip to work and travel only once a year. According to Mr. **'s study, I need to get busy crashing and making claims! I'm lagging about 27% behind the national average. How did man/women make it this far without insurance? Oh, for the love of money. Ps. you can't take it with you...
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.