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61 Reviews & Complaints

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Auto accident
Posted by Misty0415 on 04/30/2012
PENNSYLVANIA -- I was hit headon by a 17 year old with minimal insurance. I'm a single parent who worked 2 jobs. From being hit headon my foot was broken and had injured my left holder and back.. I'm not asking for a major payout.. what this is about is the insurance company owes me my lost wages since I cannot work but it has been now almost 4 mo and still nothing.. I have spent my savings on trying to keep my house running but the funds have now run out.. My insurance is paying my medical and Geico is just sitting back with no regards to what happens to me or my daughter... THIS IS WRONG.. I didn't cause the accident but the 17 year old who did just walks away after the accident with no conciquences.. I have bills to pay.. a child to raise and now no income.. We the injured should not have to wait mo.. and sometimes years to get our lives back .. GEICO YOU SHOULD BE ASHAMED OF THE WAY YOU TREAT THE INJURED.... I'm telling my story so ppl see this and think twice about having GEICO as their insurance co...
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Posted by Slimjim on 2012-04-30:
I guess the real question is, did Geico pay up to the limits of what was purchased by the other driver or not. Can you not qualify for unemployment, disability or some other form of assistance until you can get working again? You could sue the other driver for being under insured regarding what Geico won't cover, but at 17, unless he's Justin Bieber, that probably is a lost cause.
Posted by trmn8r on 2012-04-30:
There are many more details needed to know if Geico has done anything wrong, in my opinion.

Is Geico your insurance company or the other driver's? Was there a police investigation? Has fault been assigned to either/both drivers? What communications have there been with Geico, and what is there response to your inquiry/demand for lost wages? Is there something in the law/policy that covers lost wages?
Posted by Nohandle on 2012-04-30:
I don't know what insurance you personally have on your vehicle or the laws in Pennsylvania but in my state if I'm in an accident I call my insurance company, since the number is on the back of my insurance card. They take it from there and I'm not on my own to deal with it.
Posted by CowboyFan on 2012-04-30:
This shows the importance of picking the right insurance coverage "for yourself," especially uninsured motorist coverage. The op says the other driver had minimal coverage, but does not state whether she had all the coverages available to her. No insurance company will pay more than the limits their insured paid for, regardless of the need or merit of the claim of the person injured by their insured. Good luck in seeking out help from other sources.
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Examination Under Oath
Posted by Rippedoff1 on 04/11/2012
Simply because I was accidently hit and knocked down by a car door in which my husband was driver and since pain was minimal I paid it no attention. Well 3 weeks later I had to go to dr. due to pain and contact insurance company that gave me a hard time as to why I didn't go to the dr. right away and call the insurance company when it happens. Well because didn't think at the time it was something to make a big deal out of. Have had an investigator come and take my statement and 3 weeks later get a letter stating that we both need to take this examination. This insurance company that my husband and I have been with for 12 years has or is trying to make us feel like a criminal. Can anyone shed light on this exam and what I should do. Can I request a copy of 1st report? Can I have a recorded with me to protect myself. Please anything that you can share with me as to what this exam is all about and what happens if I don't go. I know what happened and I told them the honest truth, but this has really depressed me, because I have NOT DONE ANYTHING WRONG.
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Posted by madconsumer on 2012-04-11:
sounds like they are building a court case. anything under oath is permissible in court of law.
Posted by Cwazychicken on 2012-04-11:
I think they just want to examine you to make sure you are hurting as much as you say you are. Does not mean they dont believe you but i know if i were an insurance company and someone was claiming injury, i would want to make sure they are being honest and have as much proof as possible. Its not a bad thing to go to court. But if you dont go, they probably will dismiss it and it would make you look worse.
Posted by CowboyFan on 2012-04-11:
Read your policy. There is probably a requirement that you give a statement under oath.

To the insurance company this looks suspicious: no damage to car, no witnesses other than husband who will benefit, no police called, and not reported timely. Sounds like a people who are taking advantage of the insurance company. Because there are such people, then honest people like the op are put through this interrogation to make sure this is not fraud.

I would think they would ask questions about how it happened, your past medical condition, your current medical complaints, and if you are in a financial bind that would motive you to commit fraud. You should be able to obtain a copy of the statement, or bring your own recorder.

The question I would have is what did you tell the doctor when you went for medical treatment as to how you were injured. It is always important to tell the doctor exactly how you were hurt if you are thinking of making a claim, e.g. if you tell the doctor you fell down, it is not believable when you later say you were hit by the car door.
Posted by Starlord on 2012-04-11:
I would definitely have my own recorder. When they pull theirs out, I would pull mine out. If they say something, tell them they can make a recording, so you can, too.
Posted by onlooker on 2012-04-11:
stay calm,
remember they are trying to understand what happened, and since there are people who lie through their teeth to get anything for free - you just need to take some more time to show you are cooperating, working with them to tell the whole story -
and like noted above with Dr., did you buy painkillers over the counter - bring receipts, if you have names of people who saw you dealing with the pain from the door accident mention you have other people who can support your story etc.
If they record, you can ask for a copy, or transcript - if they say no - pull out your own recording device.
If you get emotional, or feel pressed, count to three silently in your head, before you answer - so you can collect yourself.
Stay calm, tell your story, be clear and concise, and good luck
Posted by trmn8r on 2012-04-12:
Look at this from the insurance company's point of view. Fraud is a great concern. What if someone fell off a ladder, and then filed a claim that it was an automobile incident? I believe you are being honest - it is the dishonest people who make it hard for everyone.

To me, this doesn't sound surprising. You have nothing to hide so it should go ok. There is always the possibiliy they may try to deny your claim, but I hope that doesn't happen.
Posted by jon on 2012-05-13:
i have much experience with this. no need for recording because there will be a court stenographer there and you will get a printed copy of the EUO which you will be asked to sign. you must go, if you don't they can legally cancel your benefits. they must pay you for time lost at work
and have it at a convenient location. go to a doctor who will take an assignment of benefits. if geico does not pay, get a lawyer and sue them. they must pay the attorney's fee if you win and most attorneys who do this WILL NOT CHarge you if they lost.
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Examination Under Oath
Posted by Rippedoff1 on 04/10/2012
Can someone please tell me what this examination under review is and what I can expect? Will I get in trouble if I don't attend it? What questions do they ask and since I have a bad back how long will this take?

Any information you can provide would be greatly appreciated. I live in Virginia and Geico has made me feel like a criminal and I'm just not going to let them put me through another investigation only to have my claim denied.
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Posted by spiderman2 on 2012-04-10:
I googled "Virginia examination under oath" and this is what I found http://www.bmhjlaw.com/examinations

No one here can tell you how long it is going to take or what questions they are going to ask. I would guess if you don't attend, your claim will be denied, but that is just an educated guess. Call your attorney. The insurance company is going to have their attorney there.
Posted by skelly39 on 2012-04-12:
If you don't attend, your claim will be denied for your failure to comply with your policy conditions. An examination under oath is usually done when fraud is suspected. It is similar to a deposition but is obviously done before a lawsuit is filed. If you have nothing to hide, you should go.
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Lack of long time customer loyalty
Posted by Sofreemosomo23 on 09/18/2011
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 withing 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 surveilance 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...
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Geico will NOT be there when you need them.
Posted by Mwnitz1 on 07/08/2011
I'll keep it short: a lady runs a solid red light and flies full speed in front of my truck. My truck was totaled even after slamming on my brakes as hard as I could and trying to swerve out of way even though I have a solid green. There were tons of eye-witnesses. The other driver admits to not even seeing the light as she was preoccupied with mother's recently installed pace maker. Geico "insured" other motorist. I try to go through Geico as I think this should be cut and dried, as did the responding police officer on the scene. The Geico representative after talking to the other driver tells me to get a rental that they will pay for. After 4 days of 'investigation', Geico claims I am 25% at fault!?! Huh?!? They claimed I could have done more to avoid accident. What?!? They had 4 business days to mull it over, and I had 1.5 seconds. And I think I made a better decision in 1.5 seconds than they did in 4 days. After I argue with the Geico claims adjuster for 15 minutes, he changed it to me being only 20% at fault. Huh?!?! Liability is now negotiable after a 4 day investigation??? Something seemed very fishy about the whole thing. I hung the phone up, called MY insurance company (a REAL one: USAA). They took care of 100% of vehicle loss and waived my deductible because other driver was at fault. The check is in the mail now. Now they are going after Geico. And now the best... after a week, Geico calls Hertz and says they aren't paying for the rental that THEY TOLD ME TO RENT!!! Unreal. Don't use them if you will actually ever NEED your insurance!
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Posted by Venice09 on 2011-07-08:
You should always deal with your own insurance company. That's what you pay them for. I hope no one was hurt.
Posted by madconsumer on 2011-07-08:
geico is really a bad company when it comes to payout for accidents.

great review.

very helpful!
Posted by Anonymous on 2011-07-09:
Wow I am appalled at Gecio's decision! I am insured by Geico but have never had an at fault accident. I have had great customer service so far. I was rear ended 4 weeks ago by an 83 year old woman with AAA. I called Geico and they opened a claim but gave me the courtesy of going through AAA. I called AAA and the old bat that hit me hadn't contacted them yet so they called her, opened the claim, took full responsibility, called me back and within a few hours, there was a rental car waiting for me at the body shop. My car was repaired at their expense within a week! (I only needed a new bumper). They also advised me to replace my daughters carseat and forward them my ER bills (went to the ER because I am pregnant and didn't want to take any chances). As soon as the ER bills come in, we will see if they pay up like they promised. If they pay all my medical bills, I will be posting a compliment to AAA here because so far they have been great.
Posted by trmn8r on 2011-07-09:
You always go through your own insurance company. They know know how to negotiate.

You are the enemy to the other driver's insurance company.
Posted by Anonymous on 2011-07-09:
The only issue I have with going through your own insurance is that you still have to pay your deductible (at least if you have Geico) and then try to get it back from the other party's insurance. My deductible is only $500 but at the time, I felt like I shouldn't have to pay a dime because the woman who hit me was completely at fault and shouldn't of been behind the wheel in the first place. So far AAA has made good on their promises. This was a new experience for me so I really didn't know the pros and cons of going through my own insurance versus the other party's insurance. This is were my3cents comes in handy :)
Posted by Venice09 on 2011-07-09:
I've read many reviews here where people communicated directly with the other insurance company. I had never head of that before. We have always reported accidents to our own company and received the deductible back if we were not at fault. I would not recommend talking to the other driver's insurance company. As trmn said, you are their enemy.
Posted by Skye on 2011-07-09:
I hope you weren't injured. This is why we have insurance. Its the job of our insurance companies to deal with accidents, not us. Always go through your own insurance and let them deal with situations like accidents.

Posted by idontthinkso on 2011-07-10:
Hanging up and dealing with your own insurance is what you should ALWAYS do. Any insurance company is always out for the maximum profit and the lowest loss. Even if you had documentation to the fact of fault, some people give in to situations like that, to get the experience over with. The rep was likely doing as instructed, attempting to reduce Geico's payout as much as possible..
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Posted by BADINSURANCE on 01/21/2011
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Posted by saj80 on 2011-01-21:
Do you have other medical insurance coverage? I have medical payments on my car insurance, but I don't think it's to cover these types of expenses, as my primary carrier will cover them.
Posted by Skye on 2011-01-21:
You should contact a personal injury lawyer.
Posted by Anonymous on 2011-01-21:
You need a lawyer
Posted by ticia232 on 2011-01-21:
Ummmm. How can someone going through a red light hit you head-on? Were you on the wrong side of the road?
Posted by PepperElf on 2011-01-21:
could be one of those left hand turn lanes?

but yeah a lawyer should be contacted. there's no way a site like this can force any insurance agency to do that
Posted by ticia232 on 2011-01-21:
Yes, PE but still how could the other car come through a red light into a turning lane and the accident be found 50-50? That would still be the fault of the other car, because they crossed over into oncoming lanes, but it was still 50-50.

I'm thinking that their is more to this story. Why go to 3 different doctors (one being the OP's own orthopedic surgeon (and he wouldn't do the surgery?))
Posted by ok4now on 2011-01-21:
Sounds like it wasn't worth saving 15% on your car insurance. Now they're looking for excuses not to pay. I would start shopping for a new insurance company.
Posted by PepperElf on 2011-01-21:
ah good point.

wonder if maybe the OP was pulled out into the intersection and got stuck. or if the OP was in the oncomming lane
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Left hanging
Posted by Solange44 on 12/20/2010
NEW YORK -- I have had Geico auto insurance for many years & have been extremely satisfied with their customer service. Until last week, that is. I had a flat tire during a raging snowstorm, called for roadside assistance & got the dumbest representative EVER! I gave her my exact location, Rt #, crossroad, town. She put me on hold for an interminable time, came back & wanted to know if Zimmerman road was spelled with a "u". It got worse-after another long hold she came back & said it would be 45 min. for a truck to get there. I asked where the truck was coming from, as I was in or near 4 towns with many towing services. After another long wait she said it was coming from a town about 30 miles away!. I snapped & asked for her supervisor. She put me on hold for another long wait, but was able to get someone there in 10 min. after I gave her a list of nearby towns & zip codes. I wonder what kind of map they use to locate you?
I sent a complaint & they responded saying someone would reply in 7-10 days. Unacceptable, Geico.
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Posted by concerned consumer on 2011-06-05:
You stated that there was a "raging snowstorm" happening at the time of your call. Did you ever consider the possibility that tow companies might perchance be really busy at that moment? Maybe the person you spoke with was doing all she could to find someone available to tow you. Did you really expect instant service during a "raging snowstorm"?
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Geico will abandon their customers in times of need
Posted by Buddy2010 on 09/16/2010
FREDRICKSBURG, VIRGINIA -- My car was broken into, in which the items that were taken caused my car to be considered a total lost. At first my insurance company Geico, had set up a rental car for me, along with giving me an starting offer for the value of my car, and buy back value. The value that was offered to me was very low, $5000 less than NADA values; while the buy back option was high, 32% of amount they offered me. This led me to researched the method that Geico derived of the value for my car, where I’ve found that they based this information off CCC Information Service, formerly known as CCC Valuescope. CCC has had class action lawsuits in the past for providing abnormally low values so that insurance companies can under pay claims. In my case CCC provided comparatives, and when I contacted those people who were selling these units, most of them were sold, or the owners admitted to them having problems. I than contacted CCC directly to alert them of the errors, and I was told alarming information regarding the vehicles that they used as comparatives; they said that didn’t care about condition or history, they were only finding cars that had similar miles. They also used a weighted mean method to determine the value offered, where the cheaper cars were favored, which lowered their offering price. This led to a complaint against CCC. After I brought this to the attention of my claims adjuster, he had his manager call me. His manager became so angry that I challenge him, and his company on the methods they used, that they sent my claim to their Fraud unit, better know as SIU unit.

Here is where Geico’s customer service took a serious turn for the worst. This manager who was very rude to me, and insulting; he even stop returning my calls, and I have to practically chase him down to find out information about my claim. He had my rental car voucher revoked, and he told me that my claim was under investigation. I was placed under investigation because I challenged him on the value of my car. I’ve cooperated with the fraud unit, and have provided them with everything that they ask for. Its been month now since the incident, and this manager is still advocating the fraud department to seek additional information. I tried calling the manager’s boss, who won’t return my calls either.

I am disabled person, still recovering from a brain injury, in which I ambulate with an walking assistance device. I take a lot of medication for the brain injury, and I have issues with depression as of a result of my injuries. I brought this car as a present to myself, more so to cheer me up for all I’ve been through. My car still sit unfix thanks to Geico. They do not stand behind their customer’s, and I tell all anyone considering them to go elsewhere.
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Posted by Skye on 2010-09-16:
Insurance companies go by fair market value for how they pay on vehicles. I was just wondering, you said your car was broken into, and the items stolen caused your car to become a total loss. Was there car taken apart or something?
Posted by MDSasquatch on 2010-09-16:
good review.
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Misreading of California Law and Wrong Right of Way
Posted by Angry Mike on 05/13/2010
This review is to the CEO of GEICO.

Your company claims policy is just plain wrong. It is ludicrous.

I am a 40 year long driver. Over that time I have been involved in a total of 4 accidents. To this time I have been adjudged by a jury or a claims adjuster never to have been at fault.

This is a current claim under policy number 4051-75-56-60.

Back in October, 2008, I was involved in a fender bender collision with a student driver at the San Bernardino Valley College campus. The scrape went virtually the full length of the your lady's car, only the front left bumper and quarter panel were damage on my car.

On a three pronged parking lot on the very east side of campus, I pulled out of my parking place which was perpendicular to the North-South orientation of the long direction of the parking lot. I was only the fourth space in from the corner on the right side exit. I backed out of the parking space, proceeded to the corner and to the intersection of the exit from the three pronged parking lot in approximately 15 seconds. This would be a backing up of about 22 feet, forward about 40 feet until the turn of the parking aisle, then forward about another 20 feet to the intersection. This was all accomplished at a speed of approximately 5 miles per hour, 7 feet per second.

In those last 20 feet before entering the intersection, I was continuously traveling at about 5 miles per hours, 7 feet per second with my eyes focused intensely on the center aisle of the parking lot. I was satisfied that not only was there no car in imminent threat of hitting me as I was about to enter the intersection and turn right out of the parking lot exit of about 3 car lengths to a pedestrian cross walk stop.

I slowed even further for the one last second look straight across head on at the left side exit from the parking lot to make sure I would not encumber or hit head on any one exiting from the opposite side of the parking lot. Then, I nearly completed my turn still at 5 miles per hour, 7 feet per second, while looking forward to the crosswalk rather immediately in front of my car. My SUV car was virtually parallel to the North exit direction of the parking lot two-to-three seconds later when it was struck by the female driver in a small foreign sedan.

The first statement out of Tricia's mouth was, "I thought you were stopped." It is not known how Tricia perceived that my car was stopped. But if she saw the taillights it was incumbent upon her to stop her car leaving her totally at fault. If she thought that 5 miles per hour was stopped, that was a negligent act making her the guilty party again.

Now, if we take my two statements to campus police by me to be true: (1) I never was stopped. (2) There were no cars either in the middle exit lane which I starred at for about 3 seconds or the left side lane coming toward my car as I began the turn to exit the parking lot, then, again, we must conclude the young lady committed one or two violations which led directly to the accident. Also, thirdly (3), I never saw her car until the collision occurred.

From the position of the cars at the collision conclusion, my car was proceeding nearly parallel with the exit. This meant my car had gone a distance of approximately 22 feet, a 15 foot car length plus the width of the car, about 7 feet. This would very closely be explained by a 5 mile per hour or 7 feet per second rate over 3 seconds. In order to overtake my car and be slightly further through the parking lot exit when the crash concluded than my car, there is no way this could be accomplished by backing up out of one of the stalls on the left side of the parking and coming around the corner to the middle exit lane. The approximately 150 foot, 15 car parking on an angle away from the exit in the middle lane would have required a speed, at most generous to the young lady, in excess of 25 miles per hour plus backing out plus going around the curve at the opposite end of the parking lot from the exit. Proceeding at 70-80 miles per hour might have achieved this but this is impossible given the double curves at the end of the left side exit.

The other possiblities are that the young lady had done a back in parking in one of the center aisle parking positions which were slanted toward the opposite end of the parking lot from the exit and the building that occuppied the property at that end of the parking lot. But, even then the nearest of these would be across the entryway to the parking lot with its two side exits, or about 20-30 feet behind my car as it turned onto the exit. This would mean that the young lady was illegally backed into a parking and that her speed for overtaking my car must have been about 10 miles per hour. However, that is only if she were in the first parking. If she were instead half way down the parking lot, she would have had to travel about 100 feet to reach the final collision position from an illegal backed in parking position. This places her speed most favorably to her at over 17 miles per hour up to 22 miles per hour. At the far corner from the exit ramp from the parking lot her distance after illegally backing in at 170 feet or 30 miles per hour to 39 miles per hour. Back in parking is illegal. The post speed for parking lots on campus is 15 miles per hour.

The other possible scenario is that the young lady was properly parked on the East side parking lane on an angle out toward the exit. Then, seeing no one parked opposite her car on the center angle toward the opposite end to the exit parking location took off over the parking lot to the center exit aisle. This is another, negligent, dangerous if not illegal move on the part of the young lady. The times for this possible scenario are only a slightly higher rate of speed required to hit my car at the time of the collision.

Tricia claims that she was in the center aisle and therefore had the right of way over all others.

Two of your claims representatives have called me within the last two weeks on this matter as I have responded with a letter to the first. The first was a local claims adjuster. I argued with him that I was in the intersection when the other car struck me. He stated that it did not matter. The car going down the center aisle directly to the parking lot outlet had the right of way. This is ludicrous. Once one vehicle enters an intersection, as California Vehicle Code states, that party must have the right of way. Otherwise, no matter how rapidly one exited the intersection, someone could always good fast enough, theoretically, at least, to cause an accident with that car. Then, before I wrote the letter rebuffing your first claims adjusters conclusion, I remembered the young lady's first words, "I thought you were stopped.". Your second party from the corporate office called last week, he stuck by the guns of the first party stating that I was a fault because the young lady was in the center aisle exit lane.


The collision stopped less than two car lengths from a controlled pedestrian crosswalk which commonly held college students. This excess speeding and reckless driving by Tricia might well have led to injury or death of a student.

Yet, both of your claim adjustors are adamant about the conclusion that the center lane exit aisle from a parking lot always has the right of way.

Right way, wrong way, this is no way to be.


Michael S. Ross

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Posted by Weedwhacked on 2010-05-13:
I'm guessing that the claims adjuster probably thinks that you know WAY too much about your speed and postition prior to the accident to actually be accurate, (7 feet per second?)
Posted by clutzycook on 2010-05-13:
Yeah, there is such a thing as being TOO specific in your details.
Posted by bobbyblanco on 2012-02-19:
the vehicle code you cite does not apply to a private parking lot. a parking lot is not an intersection or a roadway at all. the logic you use is flawed. using that same logic, you could argue that if you pulled out of your driveway in front of a car on a public roadway with no controls, you could find them negligent for not yielding to you
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Fantastic Company with Great Ethics
Posted by JjBob on 04/27/2010
For the record, Geico has been the most impessive customer oriented insurance company my family has ever dealt with. We had three not at fault collisons in a one year period. They were very helpful and right on top of things as far as ensuring that our car was repaired and in a very reasonable amount of time. This last time we used one of the Geico certified repair places. Our adjuster was so friendly and made sure he stayed in contact throughout the changes along w/pics of their repair progress. We were provided a rental and did not have to worry about anything other than a standard deposit and contract. In our last mishap, the driver was uninsured. We only paid the 250.00 deductible for the uninsured motorist and they have a whole dept that takes care of that for you to get reimbursment. Everyone has their pros and cons one of the biggest cons are those insurance companies that you are trying to save a buck with. You definitely get pay for when you cut corners annd wind up paying more than what you bargain for, Geico is straight forward and if they didn't cover it then you skipped over something when you signed on, Geico has saved my family a lot of unnecessary costs and inconviences. And they have been a blessing in disguise for an average family just trying to get through some hard economic times, Don't knock it until you try it> Most poor reviews derive from lack of knowledge and cutting corners. READ BEFORE YOU COMMIT!
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Posted by madconsumer on 2010-04-27:
when i was with geico, and had a not at fault accident, yes they repaired my vehicle, but dropped me mid term.

Posted by saj80 on 2010-04-28:
I'm very glad you are happy with Geico (I don't have an opinion on them, as I have never used them) because you are now stuck with them for some time. Three accidents, fault or no fault, means no other company will look at you for a few years. You better keep your fingers crossed that they don't drop you, as happened to madconsumer.
Posted by Toni I. on 2010-04-28:
I am have been a GEICO customer for the past 9 years, and my opinion of them is that they're great... unless you make a claim!

I was recently rear-ended by a reckless/aggressive driver, who caused extensive damage to my 2008 Toyota RAV4. I was struck at approximately 80 MPH while I was in the right lane of the road doing 40 MPH. The adjuster from GEICO examined my vehicle, but instead of declaring it a total loss, he overestimated the ACV (actual cash value) and underestimated the total damage. I found out later that this is a common practice among insurance adjusters in order to drum up business for the body shops which they have a relationship with.

The adjuster said that the actual cash value of vehicle was $23,000 and that the total amount of the damage was $11,000. In reality, my vehicle was worth about $19,000 and the true amount of the damage (using Toyota OEM parts and not Chinese aftermarket parts) was approximately $14,000.

My vehicle has been repaired, but I feel unsafe in a vehicle that, instead of being totalled, was repaired using low-quality Chinese aftermarket parts.
Posted by JjBob on 2010-04-29:
Number one, the last "not at fault" happened two renewals ago so, I don't foresee them dropping me. Number two, I check once a year for competitive rates and quotes with the various top insurance companies and have had no issues with them trying to sign me on. Perhaps this is because I have never had a ticket in my entire 20 something years of driving or maybe not. Number three, I have been with Geico for five years and started out at 140.00 per month for my premium and now five years later I only pay $146.00 per month. That is with two cars and one of those was a brand new car three years ago, full coverage and uninsured motorist. The place that Geico has a contract with is a top rated repair shop who at that time, didn't need our business due to some severe hail storms we had had and aside from that they allow you to choose anywhere you want to go. It just goes to show, one person's bad experience may not be another's and one's positive may not be someone else's. With that being said, I stand strong in my position, respect those who do not share my view, but I can not deny that they have been nothing but good to me and have my loyalty.
Posted by Toni I. on 2010-05-06:
JjBob: GEICO is owned by Warren Buffett's Berkshire Hathaway Group, and Mr. Buffett didn't get to be a multi-billionaire and one of the world's richest men by "great ethics".

GEICO will drop you when they feel that you are costing them too much money in claims. If you never have an accident or never get any moving violations, you will remain their customer. Start getting into accidents, or get a couple of moving violations, and they will drop you like a "hot potato"!
Posted by MM2011 on 2011-01-28:
Wait till you get your turn then you will want to revise what you are writing here about Geico. I have been with Geico too for several years and I have a very extensive driving record, close to 30 years. I only had two accidents on my record in the past few years, which were not my fault. In one of them I was just waiting for my red traffic light to change when suddenly I got hot from behind apparently by a careless driver who I think was trying to race the traffic light behind me. Of course he was at fault and of course I got injuries. The things they tried to cling on to dump my injury claim was amazing. It took years to fight them and it took years for me to recover until I almost got killed by another careless driver on a highway. He apologized and claimed he fell asleep after almost killing me and destroying both his vehicle and my vehicle. I was driving normal and he came out from nowhere like lightning from the left side and almost made me go into a full 360 degree turn. What did Geico say? That I planned and staged the accident. I had full insurance and guess what my friend? They have cut me off for any more physical therapy, etc. The insurance business is in for money. They are looking after their best interests. It is a business. They are not outhere because they like you or love you. They like your money and they will love you, like one of the readers says here. I am shocked at what they are doing to me because I am a normal policy holder who thought that in times of need I would have their support. No. The reality is that they simply like to collect, but not pay. There is insurance fraud, yes, I hear that on television all the time, but what they dont talk much about is CONSUMER FRAUD. It is sickening, but it is the truth. Keep buying newer cars and keep raising your limits people and when the time comes you will see. People need to complain about these crooks and you will remember these words when your turn comes. I am not wishing that you get into a car accident, God forbid, I Am only saying that when the time comes they will give you a hard time too and they will say that you are doing insurance fraud too. They are paranoid about it. Take care.
Posted by bobbyblanco on 2012-02-19:
i find it odd that there is a complaint about chinese parts on a japanese vehicle.
Posted by robertosborne on 2013-08-07:
Geico is fine as long as you don't have a medical claim. If you get hurt by someone they insure you are going to be shafted.
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