GEICO’s earns a 4.3-star rating from 3288 reviews, showing that the majority of policyholders are very satisfied with insurance coverage.
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denying my claim for collision coverage
I bough my certified 2006 mercedes c280 from mercedes benz of white plains dealership on may 24th 2007. I insured my car with geico effective may 24th, 2007 to november 24th, 2007. I paid $465.40 for six month policy on may 23rd, 2007 which includes bodily injury liability, property damage liability, basic personal injury protection, residual medical payments, supplementary uninsured motorist, comprehensive, collision coverage.
I got into a car accident on june 3rd, 2007. Geico has denied my collision claim and has informed me that my physical damage coverage has expired on june 1st (In just one week) since I have not done a vehicle inspection on the car. I bought a certified pre-owned mercedes from mercedes benz of white plains dealership. When I signed up for my auto insurance policy by calling the [protected] geico phone number, the customer rep informed me that I need to complete the vehicle inspection within 2 weeks time (Which ends on june 6, 2007) and did not mention anything about my physical damage policy expiring if I did not complete the vehicle inspection in the timeframe. I have reviewed the policy documents geico has mailed me and it does not mention anything about vehicle inspection time frame and suspension of my collision coverage. I have not received any documentation from geioco stating that my physical damage coverage has expired for not completing the vehicle inspection either.
As I have previously stated that I have paid for my geico auto insurance policy in full when I signed up for service and now geico is denying my claim for collision coverage for the accident on june 3rd, 2007. I would appreciate your assistance with this matter and request geico to pay for the claim as per my auto insurance policy.
Thank you,
Dhaval patel
claim rip off
We were on our way home when a Geico Insured driver went to sleep and rear ended our car. My wife was hurt and lost her job. I lost over $5,000.00 in lost wages. It took 2 years of fighting to get Geico to settle, $960.00 to me and $17,000.00 to my wife. This is before expenses and attorneys. I have to settle now. I am dying from Cancer. Geico threatened to keep postponing the case until after I die. Geico paid to have a specialist fly from Atlanta GA. to Memphis TN. to argue the reduction of $9,000.00 on the claim. It cost Geico $15,239.98 to cheat my wife out of $11,000.00 total.
The stupid thing is that we were covered by Geico also. It took them 9 months to find out who covered the driver that hit us. They were going to pay an uninsured motorist claim on their client. They told us that they exhausted every resource to find out who the other driver was insured by. (It was them). Our Attorney had to find out for them.
They keep sending me mailers and emails to come back to Geico. Why? So I can be screwed again?
I hope there green little geico gets under a paper cutter then have that little aussie accent funkers head chopped off.
Geico can go straight to hell. So to every single person in the world please stay away from Geico...let the resession put them under and get them good. AIG is way cheaper then Geico anyways by hundreds of dollars.
how do they pay for the caveman adds? and the gecko adds, and the money you could be saving ads? Three simultaneous add campaigns, , , , talk about propaganda...
I am insured by geico since 2006 and I believe that they where the lowest rate i could find on auto insurance but that does not compare to all the hidden fees that they require you to pay without any notice. Geico should change its name to fraudco anything they can do to put money in there pockets. Geico charges hidden fees like under 3 years new driver insurance and if you had an international license for 6 years before that and get a US license they charge you as a new driver what crock of s***. Stay away from Geico if your a new driver and if your thinking of getting geico they will tell you a quote that is resonable and then when you take it they will add all kinds of fees when you least expect. Geico sucks!
2 years is actually a typical timeframe for that kind of payout. Insurance companies budget each year based on the last 4 years of unpaid losses.
It is funny that they spent more fighting your case than what you wanted paid though.
refused to pay my claim!
Geico has refused to pay on a claim that they first promised to pay. I have been going back and forth with geico for over two months now. Geico has no record of a phone call that I made to them on october 16... I proved them wrong by pulling the phone records from my place of employment. They did not care that their records were incomplete and erroneous. I have sent two complaints to the insurance commissioner's office, the second is still pending... Following is the text from the second complaint:
This is a follow-up to my first complaint that I submitted in december of 2006. Since that submission, geico has embarked down a path of the most unprofessional and incompetent behavior that I have ever experienced with any company. I did not receive a direct phone call from geico in response to my complaint to you, but rather a voicemail left on my home phone, a number which I did not give them as a contact number. They had my work number, but chose to leave a message at my home.in that voicemail, tina, who chose not to leave her last name on the voicemail, detailed the data that geico had in their system regarding my policy. She spoke of several conversations in which I had with geico, but conveniently left out the important phone conversation that I had with a customer service representative on october 16, 2006.in that phone conversation, which lasted thirteen minutes, the rep told me that I was to call back on october 20 and make a payment for the balance and that things would be “taken care of.” I followed the instructions, but found out a month later that my policy had been canceled at that time. I don't understand how I could have paid $260 in august, $200 at the end of september, and another $105 on october 20 and have my policy canceled. Tina has continuously stated that the payment on october 20 was for arrears, but I was never told this on the phone in the three conversations that I had with geico representatives from october 11 - october 20.
As I stated before, my policy changed twice between august and october, and I had no idea that I was in arrears. Nobody, on those two occasions when I changed the policy, informed me that my policy was in arrears. Geico even had a phone conversation documented when my grandmother called at the end of november, but conveniently had no record of my conversation with geico on october 16.
Tina also stated in this voicemail that my policy canceled on october 13. How could that be if they say i, on october 12, made payment arrangements for october 15? Why would I make payment arrangements two days after my policy was to cancel?
I just made a call to a geico representative tonight... Melissa was her name, 10:30pm was the time. She informed me that my two payments, $260 made on august 21 and then another $200 payment on september 27, 2006, brought my account current, except for $40.00. Geico then renewed my policy on october 1 for another six months... Brand new policy! The rep tonight told me that the amount I was due at that time was $179.60 (Approx. $120 for october and the balance from september.) if I had paid that amount, my policy would have been active and my next payment due in november. Please note that in august and september, I paid what was told to me to be the amount due at that time. I then took an automobile off the policy on october 11, which lowered my payment even more. I can’t understand why geico would have renewed another six months if I was facing cancellation from the past policy? Again, it doesn’t make sense. Which policy were they canceling... The old or the new?
I reiterate from my last complaint a statement that ms. Webb made to me, and which she now denies, that she was “surprised that my claim was denied.” she added that she was in customer service for many years and that when a policy was changed, it would stop all cancellations against a policy.
As a result, I had a conversation with michael, a senior supervisor at geico (And tina’s supervisor), on october 28, where we discussed my concerns about the voicemail that was left by tina. They proclaimed that I never made the october 16th call. I told them I had the phone records to prove it, and mr. White asked that I retrieve those records and fax to him to show that this call was made. I did this, as instructed, and faxed over as soon as I received them (On january 10, 2007). On the fax, I instructed mr. White to call me at my work to confirm that he received the fax. I called then again the next day, and then again twice the next. It was two days after when I finally received a call from mr. White (Friday, january 12, 2007) and said he received the fax and that I should receive a call back on monday regarding the phone records and their impact on my claim. I received no response until I called again on monday afternoon, where I was informed that it would now be another five days (Friday, january 19) before I would hear anything. Apparently, the gentleman who was to review the records and make a decision needed that time to do so. On thursday, january 18, I received a call from marty informing me that tina received my fax (Please note that this is now eight days after I faxed them over) and that it would be next friday (January 26, 2007) before I would hear anything. She stated that this was because the gentleman who needed to review it was on vacation all week and wouldn’t be able to get it until monday, january 22. (Today). Please note that mr. White had informed me three days prior that the gentleman already had the documents and would get me an answer by friday (January 19). I informed ms. Webb of this fact, with her apologizing to me for taking so long to get back to me, and, that once she had gotten back to me, “had given me wrong information.”
Please understand that this wasn’t the first time that ms. Webb has given me false information. I received a call from marty webb on december 7, 2006 where she took my recorded statement about the accident and informed me that my claim was going to be paid. She reviewed all the expenses that geico was going to cover (Such as medical, loss wages, rental car reimbursement, etc.,) and took the name and address of the place at where my car was being stored. Additionally, she sent out the necessary paperwork for me to have filled out by the doctors and such, which I received in the mail and now have on file. She asked me at that time to make arrangements with the auto shop where the car was being stored to expect a geico representative to pick up the car sometime that day. It was much later the same day that marty called me and explained that they would not be paying the claim. I believe that ms. Webb, at that moment she informed me that the claim was to be paid, entered into a contractual agreement to pay the claim... I will be discussing this with a lawyer this week. I have witnesses that can confirm that this conversation existed and that I made preparations that day for the car to be picked up from the auto repair shop.
It’s friday, january 19, 2007 and I am expecting a call from mr. White, as promised, regarding the claim and the phone records. I hear nothing, and leave a message on his voicemail at 6pm. I again call on january 20 and left another voicemail for mr. White to call me immediately on monday, january 22, 2007 (This morning). Needless to say, I received no communication from mr. White. Instead, I receive another voicemail on my home telephone from tina.in all of my communications, I have asked that the calls be made to me at my place of work so that the calls could be recorded as incoming calls in our phone system records. This was for my protection... I have learned that phone records at my home cannot be retrieved except by court order, therefore work was the obvious alternative. As I said, tina, not mr. White, left me a voicemail at home stating they are standing behind their decision because they say I needed to have made yet another payment on october 20 (In addition to the one I made) in order for my policy to stay active. If this was the case, why did they tell me my balance was $105.32 on october 12 and october 16? Why wasn’t I told of the entire balance that was needed in order to keep my service active? It apparently wasn’t the $105.32 amount that they asked for and told me was the balance. It doesn’t make sense.
Sir/madam, I do not understand why geico asked me to obtain the phone records if it would not change the course of this claim. Geico has no record of the october 16 phone call, and I do. This shows an absolute breakdown of communication within their organization, and raises doubt as to their competency to retain accurate and comprehensive information. It is unexplainable that geico would have the ability to state what was said or not said in a conversation of which they have no record of in the first place. Furthermore, it is not believable that I could have made two payments in less than a month and not be covered. It would seem that geico would have canceled my insurance long before if I were so far in arrears.
I reiterate... I was told by a representative of geico and led to believe that my payment on october 20 was the payment required to keep my policy active and valid. The documentation shows that I made an effort to keep a full line of communication open with geico at all times since october 11. It is proven that geico has not been so efficient, and has failed at keeping accurate records and providing accurate information.
I have a full journal of communications that I have had with geico since all of this began, and can document all of my conversations with the many people that work with marty webb. All of this is available to you, if needed. It details all the problems that I have encountered, incorrect information that was given to me, who gave me the incorrect information, and calls that were not returned when promised. I also have recorded both voicemails left by tina.
I am asking for more than just a call to this company. I am asking for a full investigation, and a meeting with an arbitration board. I will do everything I need to do to force geico to honor the promises that were made to me, including writing to the editors of newspapers (A copy of this complaint is to be delivered to mr. Greg dawson at the orlando sentinel), television stations, consumer business groups, the bbb, and local government officials. I will also be obtaining the services of a lawyer, if needed.
It is my hope that I have covered all of the information in this brief summary. If you have any questions for me to help you better understand the issues that I have addressed in this summary, please feel free to contact me at the numbers below. It has been almost two months that I have been left waiting on my claim to process!
The complaint has been investigated and resolved to the customer’s satisfaction.
Hi I have a policy with Geico I renstated my old policy with them on 9/9/19 for 115.00 and I dropped a vehicle off my policy and started a new policy with Geico insurance on 9/09/19 for my 2004Kia Sorento that was a full coverage insurance with road side assistance and every thay offered for 158.00 I have my bank statement were geico took my 115.00 an 158.00 out of my account on the 09/09/19 I had a accident the following date of 09/12/19 were geico process to tell me that there was a glitch in there system and my policy is not active and that thay would be resolved with in 48 hours and my policy would be back dated to the day they took my 274.00 on 09/09/19 here it is 2 week and I still haven't received any information about it I calling every day and spend hours on hold for them to tell me today that thay would not be able to do Anything at all now after I had been told that the issue was being resolved thay hang up on me and are now saying that thay will not Honor there policy with me because of there system glitch with clearly happen because I have my bank statement for the month and have were that took my money 115.00 an the 158.00 that was took out of my account on the date of 09/09/19 so why wold thay not be liable for any of his why would it take 5 days for them to start my full coverage insurance I paid for 9/9/19 but thay said it was not till 9/13/19 that thay decided to start the policy when my windshield was destroyed on 9/12/19
How they live from fkn over good people lol your pain and suffering is their bonus check out the photo I added lol their pool lol ain't that som sh!
August 3, 2012 I requested an online insurance quote from
Geico. A gentleman from the wappingers falls, ny branch called me. He asked me
what my current insurance payment was, which was $200 per month with Liberty
Mutual. He processed my information and quoted me at $148. He asked me if I
wanted tow included and I stated no because my car was purchased in July 2012
and it was included under the dealership. I asked him if this was full coverage
and he stated yes. I asked him how the quote was so low and he stated Geico has
the lowest rates. I purchased the policy with Geico. On December 14, f 2012 a
pepple hit my windshield. That day I called Geico to file a claim. The
representative I spoke with was initially not sure if I had glass coverage.
After much deliberation it was determined that I did not. I asked to speak with
the manager Laura MacDonald. She stated it was my responsibility to check the
policy to see if glass coverage was on it. I argued that the gentleman was
fraudulent in not asking me if I wanted the coverage on a brand new car in
order to keep the quote low. He did not go through the proper protocol when
selling a policy over the phone. She claimed he was not wrong and that it would
of said "glass deductible" on my policy if I had it and she refused
to do anything. I called Geico customer service the next day and was informed
that under the comprehensive they would cover it if it was smaller then a
dollar, which with driving for a day the crack expanded. On that day they also added glass coverage. When I received new documents 4 days later I called Geico and they said I requested glass coverage. But why would I do that if the windshield was not fixed yet. It took 2 months to
finally speak with a regional manager who told me it is proper protocol to ask
the seller if they want glass coverage which the gentleman failed to do. I
asked for the tapes of the conversation which Geico states they are unable to produce. The regional manager
refused to supplement payment for the windshield but agreed that he should of
asked me. I was informed by Geico customer service that when people call to get
a quote they are suppose to ask if they want glass coverage. This is standard
practice for all auto insurances. The gentleman selling the policy was
fraudulent. He did not follow protocol in order to get me to purchase the
policy. I checked with Geico and it would have been an additional $15 per month
to add the glass coverage (which they charged me after I filed the complaint
even though the windsheild was not fixed and without my approval). If
"glass deductible" is not written on the policy how is anyone to know
that the are not covered if they have full coverage, collision and liability?
Due to fraudulent selling of the gentleman from Geico they
should replace the windshield. It is industry standard and Geico's policy to
ask if you want glass coverage, which wasn't done. The policy in paper is not
clear in regards to the actual coverage. The gentleman did not follow protocol
and Geico is unable to produce conversation tapes which they claim to have
recorded. Also the crack in the windshield
could of been fixed by Geico if the correct information was given by
Laura McDonald, the office manager at the initial time of complaint.
After filing with the NY Department of Finance, Geico submitted there side of the situation which was lies and refused to surrender the tapes. Department of Finance suggest I sue them.
Last week my husband was coming home from work; when a Gieco insured driver tried to run my husband off the road. Ultimately he hit him and caused himself to flip his own truck then send his passenger to the hospital. Luckily my husband was fine and the truck had minimal damage (thanks to his quick thinking). The Deputy at the scene charged the Gieco insured driver and told my husband that they are responsible. The next day, my husband who has NEVER had an accident (he is 49 yo) was VERY shaken up over the whole thing but still wanted to just have the damage fixed on his truck and be done with the whole thing. Geico started calling him that day leaving messages but everytime he called them back, all he would get is voicemail. When he finally did speak with someone called Natalie she stated she would have to do an recorded interview before adjusters would be sent out to review the damage. During the interview, she kept twisting his words, and then started making false statements like he was in the left lane instead of the right lane which is where he stated and was hit in. He did all he could to alert their client, like laying on the horn, so he wouldn't do this stupid thing but her client would not stop so he caused things to happen as they did. The conversation ended with a statement that Geico would review the case then get back with him to let him know their decision. Fast forward to, today and he receives a call from Natalie letting him know they refuse to pay. She stated that he could've avoided the accident regardless of their client's fault.
This is so wrong and they along with their client should be held accountable. However, the only option we have is to sue and really, this is why the court system is so messed up.
Today, my husband received a phone
I have been a customer of Geico's for 15 years, so I was pretty put off by their trying to sneak through a 100% increase in my premiums this year! The only thing I can think of is that they have developed an algorithm to select long-standing customers who have always paid their bills and likely wouldn't notice or care about such a large increase. Anyone have any experience with this?
I agree, My experience with Geico to date...HAS NOT BEEN GOOD. We have had Geico and never had to file a claim until a New Yorker Rammed my car after speeding, running a traffic light and then a yield sign to smash into my drivers side of car. (Accident occurred on Sunday, May 18, 2014 - 5:15 PM) I had just dropped collision on my car and downgraded it to liability because of high payments for collision. Did this about three months prior to the above incident! Unbelievable...Reported the incident to Geico the very next day. Geico promptly called back to state that because I only had Liability, They were not able to pay anything or provide me with a loaner/rental car or any other assistance in this matter, I was on my own. Per Geico! WTF?. Hence, I Contact a Lawyer, as I see this could be a problem!...Lawyer sends letter to the New Yorkers who refuse to accept Correspondence re: the accident they caused. Our Lawyer then contacts Geico to File and uninsured motorists claim... Geico responds with a letter that the accident never occurred on the date provided them, therefore...unfortunately, were not able to assist me, their client!?!? (never mentioning the uninsured claim, , just that there was no accident!) Really People?! Contact Geico again, to confirm the date of the accident was indeed correct. Geico responds next with... since we had filed an uninsured motorist claim they had "DISCOVERED" that the other driver was indeed covered with insurance and that therefore negates the uninsured motorist claim we had filed. They informed me that "I" would need to contact the other drivers insurance company to proceed with any claim I "May" have! Here is the real kicker...Turns out the New Yorker...is also insured by...yep, you got it..."GIECO"! We contact our Lawyer once again to have them handle it as it is getting messy! Geico, telling us to contact Geico, when we've already contacted Geico repeatedly...and they just keep dancing around the bush! "WOW"! It is blatantly apparent to me at this point that GEICO... "DOES NOT INTEND TO DO RIGHT BY ME, THEIR HIGH PAYING CLIENT!" Lawyers firm now agitated telling us they don't typically handle this portion of an accident claim as it is usually pretty straight forward...but that they will if I want...Yes, i want!... My Lawyer contacts Geico again. Geico then calls me back and states...Ok. Accident did happen on date it was reported, and since I only had liability, the other party would be responsible, and now since they know that they are insured...by them...GEICO, that my uninsured motorist claim is rejected AND that they would have been able to handle this BUT...since the other vehicle was a "COMMERCIAL" vehicle it, it complicates matters and my claim would be forwarded to yet another department...they would get back with me shortly.! WTF?!? Yay! Progress! Geico contacts us to have a claims adjuster come out and look at my car..."FINALLY! October 07, 2014 a Geico Insurance adjuster looks at my car! Adjuster Totals the car, offering me Kelly Blue Book Retail Value "OR" $1, 000.00 Less if I want to keep the heap! REALLY?! NO CAR FOR FIVE MONTHS...(TO DATE...), NO REPLACEMENT OR RENTAL CAR...NOT ENOUGHT MONEY TO TRY AND FIX IT, ...AND THEY DON'T EXPECT TO COMPENSATE ME FOR "FIVE MONTHS OF NO VEHICLE"...JUST THE "ACTUAL VALUE" OF THE CAR?!? I guess something, finally, is better than nothing...but it just does not seem right to me...AT ALL!
RE-CAP: ACCIDENT OCCURRED ON MAY 18, 2014. NO CAR OR REPLACEMENT VEHICLE FOR FIVE MONTHS, OCTOBER 13, 2014 - GEICO CALLS TO OFFER SETTLEMENT FOR "ACTUAL VALUE" OF CAR ONLY. "WOW"! Update...October 15, 2014. Called Geico...again...told them I think I am entitled to some type of compensation due to LENGTHY amount of time I have been left with an unusable vehicle or any settlement on that vehicle. I was told that another department would handle that and take that into consideration...SEPERATE from the payment for actual vehicle value...WE SHALL SEE...
Geico will do anything to avoid paying claims. I'm going through the same thing with them now. It's like the Tenth Circle of Hell
On May 17, 2014, my family were struck by a GEICO insured client in Dickson, Oklahoma at a wide-open intersection with clear visibility in all directions. The lady had a stop sign which clearly stated "Cross traffic does not stop". Witnesses at the scene stated that she pulled out in front of us. She was cited for "Failure to Yield". We were hit so hard that it tore off the front of my vehicle and propelled us across two lanes of traffic and onto the intersection crossroad, spraying oil and transmission fluid all the way. My vehicle was totalled. GEICO initially refused me a rental vehicle until I told my own insurance company that they had told me to get one from my own insurance company. GEICO had not even looked at my wrecked vehicle. I paid for and collected reports and pictures of the collision and our injuries as soon as I could walk. I sent all final billings. I am paying Radiology bills now. This week, GEICO adjuster wrote my son and granddaughter, stating he was confirming a "conversation" he had with both of them wherein he had made an offer to settle in return for a release. Neither my son or granddaughter was home that day. My son believes it may have been telepathic communication! I sent notarized statements of denial, not only to GEICO but to our state insurance commissioner with whom I opened a file when I realized GEICO was behaving in a way outside the Insurance Code (yes, there is a Code..read it) and in violation of the Unfair Claim settlement Practices Act (read that too). My granddaughter had a concussion and a forehead laceration/puncture wound from hitting the metal part of her father's (he was the driver) head rest. She has a permanent disfiguring scar on her forehead. We all had seat belts and all airbags deployed, mine so hard and explosive, I had both cardiac and pulmonary contusions and am now on heart/blood pressure medication and a diuretic. My EKGs, lab, and X-Rays bear this out. My daughter had fractured ribs and seatbelt injuries like mine that left us both with blood clots in the subcutaneous tissue of our abdomens. None of us have had any offer of settlement. I have asked our Insurance commissioner to issue a "Cease and Desist" order to GEICO for their business practices. I have given them 30 days to settle or I will sue their client. I will win. Never give up. Stay in touch with the adjuster. Insist on written communication. Read for your rights. Write for your rights. Never stop. Tell everyone. Write to the President at 1600 Pennsylvania Avenue NW in Washington, DC. There is a Justice Department there. Make enough noise to be heard. Enter every forum. Write every Congressman, State and Federal. They have staff who will at least ask questions. Let the insurance company know that you are alive and talking. Good luck to us all!
James V - forget all the claims they didnt pay for, you have 3 speeding tickets in ONE year (I have had zero speeding tickets in 16 years) and an at fault accident. do you really expect to be in the top tier, low risk class? If so, you are very foolish.
Her's my Geico story: I have been a faithful Geico customer for 14 years but they decided I was too much of a risk to keep insurance after 1 year of mishaps. I was informed the underwriting department felt my husband and I was too much of a risk to be premier customers any longer. There was "7 specific reason for this action" :in 2008 I had a "accident" which means a person tapped my bumper no damage, Geico paid nothing, In 2010 I got three spending tickets one in November and 2 in May which I paid. In February 2011 my husband was hit from behind when he was stopped at a light on a snowy day in New York, and the then September he was hit by women in a parking lot, Geico paid nothing. The only time Gecio paid was when I had a accident in April of 2011, my car hydro-planed in a storm. My car was totaled, Gecio finally paid me back for being a loyal customer, I thought. My insurance went up, I said ok and paid it without compliant. Fast forward to November, 2011 I get a letter from Gecio stating "take the down grade or we will not insurance you". I call customer services and say I have been a faithful customer and Gecio says "so what I am a big insurance company and you take what I will give you." To understand my anger, how about my house is insurance with Gecio and 2cars. Geico advertises on TV lower rates in North Carolina but it just Fuzzy Math, Geico raises customer rates for minor accident and say those who have no accidents or speeding tickets can have these "lower rates" Geico is just another company getting money from hard working middle Peter to keep Fat Cat Paul Geico rich.
premiums is a rip off!
Well, I guess every situation is different. I just got my renewal for my auto insurance. Guess what, It went up $50.00. Ihaven't had a claim of any kind for over 10 years.
Haven't even had any tickets. I called Geigo, 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 Geigo 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 Geigo, 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.
The complaint has been investigated and resolved to the customer’s satisfaction.
I find it very unusual that ANY company this day and age can dropped a driver off the plan because of 'underwriting reviews' but then REFUSES to produce that review, or any facts on HOW they came to the conclusion to drop a driver, or much less let you talk to underwriting! If any other company did that, they would have to show underwriting guidelines...but not the lizard! So easy a caveman can do it...I think cavemen run the company. I will be switching ins companies.
I hate Gieco. They refused to let me take my 18 year old son off my insurance when he moved out saying I needed proof that he moved out. As I did not know exactly where he moved and with no way to get in touch with him (he moved out because he did not want to live by my rules, I felt this way punishing me. Then they jacked up my insurance from 109.00 a month to 349.00 every month. When I asked them why I could not sign a waiver release them from any liability should my son drive my car (yeah when hell freezes over! he wrecked his 2 months after he got it) they said they did not have waivers. BS BS BS.
I flat refused to pay them and went back to Farmers, who by the way let me sign a waiver, the very next day. My insurance premium for full coverage insurance is ... 74.98 a month!
It took them three weeks and FIVE progressively nasty emails ( the last one stated in caps: your fired. what part do you not understand?) to get a prorated refund from them.
THE LIZARD LIES!
A couple of things.
All insurance companies lost money or didn't make as much as they were used to in 2007 due to a vast increase in medical claims costs.
Think about this: let's say you get into an accident. Let's say it's a hit-and run. Let's say that you and a passenger (your mom, your boyfriend/girlfriend, your kid) have $20,000 in medical bills, and let's say your $12,000 vehicle is totaled. Obviously, this wasn't your fault, because it was a hit-and-run. Due to the severity of the accident, you can only recall that it was a dark colored SUV or truck. It's obviously not much help.
Your insurance company will pay you $32,000 dollars if you have gap coverage and uninsured motorist liability limits of at least 20,000 per accident, minus your let's say, $500 deductible. So all in all, it wasn't that bad, was it? It was $500 out of pocket and the rest was paid. What a load off your mind.
Now... where is the insurance company getting the money to pay that off? Let's say you've been with this company for 3 years, and you pay them $400 every 6 months. That means in the 3 years you've been with them, you've paid $24,000 dollars. Uh oh, you paid them $24,000 and they paid you $31,500! That's right, they're out $7,500. They have to make up that $7,500 someplace, and they actually have to end up with a profit or their company will go under. That would be convenient for no one.
So now you're up $7,500. Okay. For the next term, you'll pay the regular $400, plus $7,500 to make up for losses. Your new premium is $7,900.
You're not too happy about that, are you? Wellllll... instead of raising your premium however much you cost the company, they divide that amount amongst everyone they insure, so that everyone only pays maybe $10-$100 more each term.
You get it finally? If an insurance company pays out $65,000,000 in claims and only earned $60,000,000 in premium, they have to divide the remaining cost of $5,000,000 amongst all the policyholders, or else there would be no point in having insurance to begin with, and we'd all just put that amount into a savings account we could keep.
dishonest self-serving people!
I recently separated from my wife. I called GEICO to ask them to send our auto insurance bills to my new address. When they heard I was separated, GEICO immediately removed me from my former policy (which jointly insured both my estranged wife and I) leaving only my estranged wife on the policy. GEICO then created a new policy for me (increasing my premium...
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About GEICO
One of the key benefits of GEICO Mobile is its ability to help you stay organized and keep your policies up-to-date. The app allows you to view your insurance information, including policy details, coverage, and payment information, all in one place. With the GEICO Mobile app, you can access your insurance policy quickly and easily, eliminating the need to search for important documents or contact customer service to inquire about your coverage details.
In addition to providing easy access to policy information, GEICO Mobile also provides car owners with several tools to manage their policies. For example, users can use the app to add or remove vehicles from their policy, update their policy limits, or even file a claim.
The app also offers real-time notifications, such as personalized alerts for your upcoming premium due date, allowing you to stay on top of your insurance policy and ensure that your coverage never lapses. With the GEICO Mobile app, you can also request and view policy documents, including ID cards, anytime, anywhere.
Moreover, GEICO Mobile provides customers with the ability to pay their bill through the app. The payment feature is incredibly useful, allowing users to make payments directly from their smartphone without having to visit the website or call customer service.
Overall, GEICO Mobile is an excellent solution for car owners looking for an efficient and seamless way to manage their insurance policies. With its range of features, like policy information, payments, claims, and notifications, GEICO Mobile is an indispensable tool for keeping your insurance coverage organized and up-to-date. Ultimately, the app helps you stay insured and in compliance with state laws, providing peace of mind and security for you and your vehicle.
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I am a licensed agent with another company (but am currently insured with geico) and they do the same. It's a state requirement, not an insurance company requirement. You should have already known, and you admit in the complaint that you were advised it needed to be done. Maybe you should have done it. You got what you deserve.
Same thing here, was notified of drop in coverage 8 days after accident claim. Was never informed of possible drop in coverage at the time of signing policy 17 days before accident.
You should read your amendment and call customer service to inform you about your policy. Don't blame Geico for your mis-sake.
I had an identical experience with Geico. We've insured our cars with Geico for years. Our credit wasn't great and were we getting charged very high rates with Geico. Both of our cars were purchased at the dealership when we had Geico insurance. We had changed coverage for about 6 months in 2004. We ended up getting better rates with Geico and went back. During 2005, we were hit by Hurricane Wilma and both of our cars were destroyed. Imagine my surprise when the Geico representative told me that my van wasn't covered for comprehensive, because I had never taken my van in for inspection. Well, had Geico told me that I needed to do that at any point in time that I had this coverage, I would've done so. Immediately. I received no notice that an inspection was required, nothing to show that the coverage was dropped and my finance company was never informed of this. The Geico adjuster told me that it was illegal for Geico to not have informed the Company that I financed my car through. And, to add insult to injury, I didn't even see any type of drop in my rates to even indicate that there a problem. The funny thing is that I receive paper bills in the mail every month and an email reminding me that my payment was due. Without fail.
So - at the end of the day - I was stuck with $8K worth of car payments that I had to make. We had to go out and get another car because this one was destroyed. Just as an experiment - I insured the car that we bought with Geico. I kept the insurance for 30 days and was never once contacted to take my car in for inspection.
I feel that this Company has totally taken advantage of us and did not take any steps to inform us of such requirements for coverage. If anyone has any suggestions on how to pursue this - I would be very interested. I've been on several sites and see a definite trend with claims such as this.