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.
Well, I guess every situation is different. I just got my renewal for my auto insurance. Guess what, it went up $50.00. I haven't had a claim of any kind for over 10 years. Haven't even had any tickets. I called Geico, I asked them why my premium went up, since I had done nothing to cause this. Their answer: "We have paid out more in premiums in your area, so we had to increase." Fine, I understand that. But, increase the premiums on those that caused the payouts, don't increase it on the ones that saved you money. Yes this is different from my other posts. Because what I DO HAS A DIRECT EFFECT ON WHAT I AM CHARGED.
I don't take the chances that most people do. By that I mean: If the speed limit is 75, I don't do 80. Someone wants to cut me off at an intersection, I let them. It only takes once to get a ticket, or have an accident, I don't plan on being that one. So, when Geico told me my premium was going up to $454.00 for the next 6 months ($900.00 for the year) I called AIG. Now, with Geico, I had no "Frills".
I had just what the state required. I have a 1994 vehicle so I don't need full coverage. When I called AIG and told them my situation look at what I received:
15/30,000 per person per accident $143.00
10,000.00 property damage 99.00
Comprehensive w/ $250.00 ded. 59.00
Total cost $301.00
I got the comprehensive because with it I get FREE OF CHARGE: Road side service (Towing, flat repair, etc), Extended Transportation expenses per day/max amount $30.00/$900.00. My advise: When it comes time to renew your policies, CALL AIG!! They will give you what you earn.
Simply because I was accidentally 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 recorder 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.
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 pacemaker. 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!
I was involved in a car accident of which a woman went through the red light and hit me head-on. There were no witnesses and because of no-fault they say the accident was 50-50. I was hit the hardest, I passed out and needed to be taken to the hospital by ambulance. The hospital took 2 Xrays and the ER Dr. said I had a broken arm that will need surgery to repair.
The Ins co only paid about $240 of that bill for Dr. and ER. I went to my ortho surgeon the next day and he only did knees not arms and referred me to the Dr who did my surgery, they wouldn't pay some costs, wouldn't pay pre-surgical exam that I needed due to my age. The total bills come to about $12,000. They then dropped me... I had plenty of medical coverage and additional personal injury coverage. This is an outrage!
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 used to locate you? I sent a complaint & they responded saying someone would reply in 7-10 days. Unacceptable, GEICO.
For the record, Geico has been the most impressive customer oriented insurance company my family has ever dealt with. We had three not at fault collisions 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 reimbursement. 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 and 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 inconveniences.
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!
We purchased a renter's insurance policy from Geico, but when we went to file a claim for water damage to my personal property, Liberty Mutual, who picked up the policy, told me that all that was covered was for water damage from bursting pipes. Meanwhile, Jeff **, one of the muckity mucks from Geico, told me that no one would pay, because all that was covered was for damage from water coming in from blown off shingles.
Yet when we call the Geico sales line, each time without fail we are told the same thing when asking about a new policy — that all water damage is covered, other than if one lives in a flood zone or if war breaks out. We have been documenting all such sales pitches. The bottom line is, you don't get what you pay for and they take no responsibility for their poorly-trained, overzealous sales staff. Apparently the talking gecko isn't the only lizard that works for their company.
I called Geico a few minutes ago to remove a vehicle from our policy which was sold. I was then informed that our policy would double due to losing our multi-vehicle discount. This is absolute rubbish as it did not discount our policy very much at all when the second vehicle was added. In fact our rates did not significantly go up or down. This is the only change I made to the policy. There have been no accidents, violations, or any other reason for the rates to change. Just the selling of one vehicle.
As far as I can tell they are a bunch of crooks and it is time to find a different insurance company. Geico will take any excuse to raise your rates and steal your hard earned money from you. If you do not already have Geico -- do not insure with them or you will be sorry!!! If you have Geico already -- get out as fast as you can!!