Geico Auto Insurance - Shut Geico Down
Claims - Complaint
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 backup. 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.