Geico Corporation Informative - Geico, Among one of the worst insurance companies out there
First of all your deductible is paid to your insurance company if you were at fault, if you were not at fault it is refunded to you, and yes most insurance companies are abysmal at sending you back your deductible.
Geico is a truly lousy insurance company for several reasons, in the event your car is in an accident non OEM parts which are generally inferior will be utilized in its repair, However Geico is not alone in this cut rate practice, the lower echelon companies like Geico, Auto-Owners, Titan, etc also have the same un-ethical practices. However the dangerous things about Geico is how they will deny a serious injury claim, check with your local clerk of courts and check the number of lawsuits against Geico in your area, it will shock you. Remember Geico is part of berkshire-hathaway corporation, a company who is led by Warren Buffet, who is the second richest man in America, for a reason…
In closing, Geico is cut-rate insurance, cheaper than good insurance, but not good insurance. My advice is pay the extra money and go with Amica, Liberty Mutual or Chubb(Chubb is far from cheap)
Remember Price is what you pay, Quality is what you receive in return and Value is how much Quality you receive for what your Price, with Geico you pay less, get no Quality, and that’s no Value my friend