Geico Corporation Complaint - Very Poor Customer Service
ANCHORAGE, ALASKA -- I am in the military and as a rule I am required to have car insurance to drive on post. On the 30th of Nov, 2003 I called Geico to re-start my policy that I had let laspe. My previous policy had a rate quote of somewhere around $700 for six months, this was for full coverage on a 1999 Ford Taurus wagon.
While I was talking with the lady, several times I asked her to restart the policy at the full coverage rate. When the quote was given it was $7 more than the first quote I had from Geico due to the laspe in coverage. This was OK with my wife and I, since we needed coverage. Due to me being in the military I did not need the medical portion of the coverage and also wanted to start having them take the payments out of the checking account, the Geico lady told me where in Anchorage there are local field office that I could fill out these papers and send them in. She also said that while I was there I could have my car inspected to "update" thier files. Before hanging up with the lady, I paid by credit card $70 something odd dollars and was told that as of that moment I had full coverage.
Due to me living in Alaska, it snows here and people have accidnets. On Dec. 6th, I was driving the car into town and hit a patch of ice which ultimitley sent me skidding backwards into a snowbank that the state had built up in the median of the Hwy. There was some front bumper damage and one of the Right side doors had a dent or two in them. I called Geico that evening and reported it to them, again I was told that I had full coverage.
When I reported the accident to Geico I was told that someone would get in touch with me with in 24 buisness hours. Come Tuesday, no one had called. So I called Geico, turns out that my Claims Adjuster had a family emergency and was to be out till the end of the week. I was transfered to someone else to help me who told me that I only had Liability due to that I had not had my car inspected by a Geico person to make sure that there was no previous damage.
I was never told that I had to do that, I was told to go there to fill out the paperwork and to update the file. No mention of an inspection.
I have made numerous calls to Geico and spoken to tons of people, even supervisors, all whom seem to be deaf and dumb. Come to find out that Geico's records suddenly seem to have a statement where I say that I completley agree only to have liabilty on a car that I am still paying on.
Today (December 12th) I get the actuall policy from Geico in the mail, while looking it over it states that I asked them to drop the Leinholder information off the account and that they dropped full coverage due to non payment from the 23rd of August on the 8th of Dec and reissued the policy on the 8th for liability only.
What a crock. But luckily I am in the military and have notified my chain of command and will be seeing a JAG officer on Monday morning concering this. I also have written to the states Atty-General and will soon be filing a complaint with the better business bureau.
So be warned if you need insurance and actually want to get what you pay for DO NOT USE GEICO!