Geico Corporation

6"> April 22, 2014 [redacted] RevDex.com of Metro WashingtonDC & Eastern Pennsylvania 1411 K St. NW, 10th floor WashingtonDC20005-3404 VIA FACSIMILE: [redacted] RE: [redacted] Insured: [redacted] Policy Number: [redacted] NAIC: ***-GEICO Indemnity Dear **. ***: Thank you for your recent inquiry dated April 14, 2014. I welcome the opportunity to respond to **. ***’ automobile insurance policy concerns. **. ***’ policy was reissued effective February 9, 2014 with Uninsured Motorists coverage rejected. In order to reject this coverage, a Georgia Information and Option Form must be signed and returned. When **. [redacted] did not return the required option form, Uninsured Motorists coverage was added to equal his Bodily Injury and Property Damage limits. This adjustment was made effective February 9, 2014 and resulted in a premium increase of $138.80. On March 29, 2014, a Recurring Card Payment Notification was mailed to **. [redacted] indicating a payment of $180.91 would be automatically charged to his debit/credit card on April 9, 2014. I have attached a copy of this notification for your review. **. [redacted] completed the Uninsured Motorists Coverage Form online on April 9, 2014 and Uninsured Motorists coverage was rejected from his policy effective April 10, 2014. This resulted in a decrease in premium of $92.86. I hope this information will assist you in resolving this matter. If additional information is required, please contact [redacted] at ###-###-#### or via email at [redacted] . Her office hours are Monday through Friday, 8:00 a.m. to 4:30 p.m. EST. Sincerely, [redacted] Underwriting Vice President Enclosure: [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: No mechanic can touch my truck before you cancel my policy. Regards, Due to the fact that my vehicle is in operable . And my insurance is running out in days . With my insurance company cancelling me before I get the 125 dollar check to rpair . the part they found damagewhile possibilty remain that the damage could be much more and the issue needs to be found when the diagnoses alone could take longer than two weeks due to the fact that no mechanic can get to it before than remains unresolved after I take this in to get fixed I will be paying for more insurance than I can afford . An unreasonable choice like paying more for insurance for a vehicle just to keep it on the road long enouph to be repaired and take it off again due to higher rates should not be my expence. If you would like this to be resolved pay those outragious rates until my truck is fixed . I dont want it on the road or to pay for ot while its broke down especially if I have to incure more expence .I pay for insurance . lets pit it this way . witg my new tates being what they are geico has made certain that my truck that ive aoaked thosands into is now junk . [redacted]

July 23, 0in 0in 0pt" class="MsoNoSpacing"> Revdex.com Attn: [redacted] K StNW, 10th Floor Washington, D.C 20005- Re: [redacted] Case No [redacted] Dear [redacted] ***: This is in response to your correspondence received in our Washington, D.CExecutive Offices It was referred to the Dallas, TX Regional Office for a reply On April 17, 2014, GEICO sent [redacted] s’ automobile policy renewal, effective May 19, through November 19, (copy enclosed) The policy is on the Family Auto Policy Contact, form number ***, which covers household family members See page 3, “Definitions Section,” number 4, and page 4, “Section I Liability Coverage,” “Insuring Agreement,” and page 4, “Definitions” 1.aand 1.b(copy enclosed) On July 20, 2014, [redacted] s called for a quote to add her daughter, [redacted] ***, as an active driver to the policy as [redacted] had an active driver’s license and would regularly operate the vehicle The Customer Service Department advised [redacted] s since [redacted] holds a valid unrestricted Texas driver’s license, is a household resident relative, is a primary operator of the vehicle, and does not have her own automobile insurance, she would need to be added to the policy [redacted] s then requested [redacted] be removed from the policy The Customer Service Representative advised [redacted] s if she wanted to remove her daughter from the policy, she would need to sign a Named Driver Exclusion Per [redacted] s request, the Named Driver Exclusion was mailed and emailed to her The signed Named Driver Exclusion was received and [redacted] was excluded from liability effective July 22, The decision stands for [redacted] to be excluded from this policy If [redacted] would like a GEICO policy, she may contact the Sales Department at ###-###-#### If you need additional information please contact Jerry M [redacted] by telephone at ###-###-#### from 8:am to 4:pm CST or by email at [redacted] Sincerely, Greg J [redacted] Assistant Vice President Enclosures Cc: [redacted] [redacted] [redacted] ** [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: [redacted] is the only company I have ever taken my truck to, why would I take my truck anywhere else to be painted when I have insurance I' am sure this is not the first complaint you have received against This company I had a stripe put on the left side because [redacted] had put a stripe on the right side," no" I 'am not satisfied the paint on the right side continue to flake and peel off it look terrible this is cruelty to a senior citizen the only thing I did wrong was taking my truck to [redacted] paint and body Regards, [redacted]

I have been with Geico for the last monthsI recently had my vehicle stolen and the process was smooth until dealing with claims agent JJ H [redacted] *D #F3** MrH [redacted] made numerous accusations against me and my stolen vehicle, could not update me with any status of the claim at any point in time, would not inform me of what was needed to resolve my claim , and made me feel as if my insurance company I trust in and pay every month is against me My claim has been open for the last months with no resolution and Mr.H [redacted] has know intent to expedite or give me any piece of mind to when this matter will be resolved This claims agents motto is to "provide excellent customer service" which is definitely lacking I work in the auto insurance industry myself and will definitely not be reccomending Geico after this experience

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] Dear [redacted] ***, Regarding: Geico Claim Number: [redacted] Revdex.com file number : [redacted] This is in response to [redacted] ’s letter to your office regarding my claim and complaint with his company, GeicoIt is true that Randy Hominda and I met on July 8th to talk about the concerns I had with my [redacted] Randy and I talked about the issues that I was having with the way Geico has handled my claimRandy did agree that Geico had a communication issue because of the amount of agents involved in my caseBy the end of this conversation he did apologize for the confusionThe fact is that I was never offered the chance to send my vehicle to the shop of my choice and Randy said the reason for this was because of the amount of time and people it took to come up with a plan of action for my claim I did not even realize that my SUV was going to be repaired until Lisa A [redacted] , My Geico damage adjuster, told me that the motor was out of the truck and that the repair process had already started As far as the value of my vehicle is concerned, Geico did value my [redacted] at $but, as far as the amount Mr N [redacted] says was spent to repair my vehicle, $3648.09, is wrongThe total amount of my last invoice was $This figure does not include the repairs that are currently being performed at [redacted] ***Is it an ethical practice to spend almost as much as the vehicle’s worth to repair it? I’m a person that purchases a new vehicle every two yearsThanks to [redacted] and Geico I will not be able to do this with my [redacted] since its value has been severely diminished I also have an issue with the reliability of this [redacted] Since so many major components have been replaced I’m not confident in the ability the SUV will have to last as long as I need it to without running into another issue caused by this nightmareI firmly believe that if I would have been given the opportunity to have this repair done by a shop of my choice we would have known the extent of the damage prior to spending almost 80% of the total value to complete the repair, which by the way was not completeThese figures do not include the repairs currently being done I would like to reiterate that I am not confident in the reliability of this vehicle I filed this compliant because of the way I was treated by Geico representativesSince I voiced my concerns to Geico Customer Support, Lisa A [redacted] and Kyle H [redacted] have treated me and my wife with an obvious negative tone in their voice and I don’t feel that a company that sells itself as being among the best in customer service should allow employees to treat loyal policy holders as I was treatedIf Geico made the error then Geico needs to stand behind its own claims and make this customer satisfiedI also feel that if Geico stands behind the repairs and appraised value they should buy it from me for the appraised value If you have any questions or concerns to my response, please feel free to contact me at ###-###-#### I will attach supporting documentation to my response for your review Very Respectfully, [redacted]

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meAlthough they are lying and NEVER notified me of my policy being cancelled nor did anything new show up on [redacted] ' report because my brother works for an insurance company and I had ALL information recorded before making the policy, I accept the refunds and hope no one else deals with thisThe fact that the last person I spoke to on the phone flat out told me I was correct and had all of ***'s driving history recorded is an indication that whoever has responded to this complaint has no idea what they are talking about, or are just flat out lying Regards, [redacted]

This will acknowledge receipt of your March 2, inquiry regarding the above referenced private passenger automobile insurance policyOn January 20, the above policy was renewed with an effective date of February 24, The renewal premium of $per six months reflects an approved statewide rate revision that was implemented for all GEICO General Insurance Company private passenger automobile insurance policies renewing on or after February 4, in the State of New YorkThis was a total increase of $per six months compared to the prior six month premium of $Copies of the policy declarations for the policy periods in question are included for your reviewInsurance companies frequently re-evaluate their rates in the light of economic conditions and the driving record of the insuring publicWe are aware that even the slightest increase presents a financial hardship to many of our policyholders in this current economic climateHowever, the premium charged to an individual policyholder is affected directly by the number and cost of accidents caused by drivers who live in his or her territory and by the number of vehicle thefts in that territoryWhen these premiums do not keep pace with the higher costs for medical services, auto repairs, and court awards, we have no choice but to initiate a rate increase because insurance, by its nature, is a means of distributing losses equally among the insuring publicAs a means of reducing their premium, the insured and his wife may want to consider taking an Accident Prevention CourseThis is not to suggest that they are in need of such a course, However, upon completion of this six-hour class, they will be eligible to receive a Defensive Driver discount of approximately 10% of their Liability and Collision coverage premium for a period of three yearsA list of approved programs is enclosedSince there appears to be no valid complaint against GEICO, we ask that this be removed from our recordIf you require further assistance with this matter, please contact the undersigned at ###-###-####Very truly yours,Brian O [redacted] |Executive Office

April 24, [redacted] ***:This is in response to your April 15, correspondence.We regret [redacted] rejected our previous responseWe apologize that there was a misunderstanding regarding payment of the premium owed from her prior policyHowever, our position has not changedI have included a screen shot of the message that was displayed for [redacted] We do not believe that the message is unclear or hidden in small writing.Again, we apologize for the inconvenience that she may have experiencedIf additional information is needed to close your file, please contact [redacted] at ###-###-#### or [redacted] .Sincerely,

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: The letter from GEICO in response to my complaint contains material misstatements and the letters they have supplied so far are not consistent with what was requested The letter from GEICO states that they cancelled our insurance on 6/17/at our request In reality, GEICO cancelled our insurance on 6/5/- I have a letter from GEICO dated 6/5/2014, which informs me that our insurance is being cancelled as of 6/18/and that the Department of Motor Vehicles has been informed accordingly (we have kept this letter for our records and would be happy to produce a copy of this as evidence) This action was taken by GEICO days before myself and my husband's submitted written consent to cancel our insurance with GEICO on 6/17/and based on a phone conversation where I informed them that we are considering switching the providers As a result of GEICO's actions, my husband and I are now in a position where we have to defend ourselves in front of the Department of Motor Vehicles (DMV) to prove that we have had continuous car insurance coverage While our new insurance with [redacted] became effective on 6/16/2014, i.ebefore GEICO insurance was cancelled, because GEICO informed DMV about the cancellation almost two weeks before [redacted] informed DMV about our new insurance, a case was opened against us by DMV because of lag of reporting between GEICO and [redacted] *** To make matters worse, GEICO continuously ignored requests from [redacted] and us to supply a letter confirming that we had valid continuous insurance coverage, which made it difficult for [redacted] to finalize their paperwork If you look at the letters GEICO supplied in their defense, first letter was issued on 6/20/14, i.edays after our insurance was cancelled Also, this first letter does not indicate any dates of when our coverage was effective / valid, moreover, it specifically says that the letter does not indicate continuous coverage I was outraged when I saw this letter - after having continuous coverage with GEICO for years, receiving this letter was simply hurtful and upsetting The second letter, dated 6/27/2014, was issued on the date when I filed the present complaint with Revdex.com This second letter only shows coverage for months preceding the current switchover from GEICO to [redacted] *** I would like GEICO to acknowledge, in writing, that I, [redacted] (maiden name [redacted] ) have had continuous coverage with GEICO from June when I first became a customer until cancellation on 6/17/and for my husband [redacted] from whatever date he was added to the policy to 6/17/and my husband's company Highlander Realty from whenever this entity was added to coverage to 6/17/ Finally, because circumstances have changed since the time I filed this complaint and we are now working to resolve the case opened against us by DMV because of GEICO's actions, I would also like GEICO to issue a formal letter of apology to me and my husband for causing us distress by their actions - i.ecancelling our insurance almost two weeks before we submitted a written consent and informing DMV accordingly, which resulted in us now having to prove that we have had continuous coverage, which we did Regards, [redacted] ***

FEBRUARY 18, 2015Dear [redacted] ***:Thank you for your letter of inquiry dated February 13, We have confirmed that [redacted] contacted us on January 8, 2015, at 10:AM requesting that collision Coverage be added to the policyOur coverage investigation was completed on February 13, 2015, and a call was placed to [redacted] to advise collision coverage would be affordedWe also set up an inspection of her vehicle at [redacted] Auto Repair in Chestnut Hill, MA.We have resolved all coverage concerns in reference to [redacted] 's policy and consider this complaint resolved.If any additional information is needed please contact Norman A [redacted] , Liability Director at ###-###-####, extension ***Very Truly Yours, David H

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: As stated previously, my current coverage with the new insurance carrier is the same as the coverage that was held with Geico The location is the same because both companies use my home address The frequency with which I use my vehicle has decreased, which was also reported to Geico when my address changed The rate should have decreased, not increased Regards, [redacted] ***

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: Geico adjuster John C [redacted] and other Managers didn't attemptThey did contact [redacted] & [redacted] to confirm other work that was done on my [redacted] ***Which I [redacted] already inform them and showed receipts of work done too vehicleGeico - John C***, Stuart R [redacted] are still referring about OBDII Reading Now there stating ( There was no damage to the exterior of the fuel tank / GEICO is unable to relate the issue of the Fuel Level Sensor in the fuel tank to the collision damage in the front of the Vehicle)Neither one of these gentlemen Adjuster- John C [redacted] or Manager - Stuart R [redacted] are ASE Certified MechanicsAll they can do is speculate/ give theory of situationBecause damage wasn't visible on exterior tank doesn't mean there wasn't anything wrong inside the tank itself( that's where the problem rely)Specifically, GEICO keeps rely on board diagnostic & Manager theory instead of resolving the situation I [redacted] , professionally attempted to resolve the issue with Adjuster, & Auto Damage Manager Stuart R [redacted] Nothing still hasn't been resolvedyet.The total repair for the Level Sensor is $by [redacted] which where vehicle was originally GEICO - Are you willing to pay half the expense?It would be my loss not GEICOI just want my vehicle fixed the way it was before the accidentGEICO is suppose to have integrity & value & exhibit there customer service Regards,Sincerely, [redacted]

I am puzzled by the response of a company with whom I have been a loyal customer for years would send me threatening letters and attack my character

May 13, 2014 Dear [redacted] ***:Thank you for your letter of inquiry dated May 6, 2014.After reviewing the file, we have agreed to handle the damages to [redacted] 's vehicle as a courtesy even though she added Collision coverage one day prior to the loss. On April 22, 2014, we issued payment in the amount of $4,784.59 to [redacted] Auto body for the repairs to [redacted] 's vehicle and $1,000 to [redacted] for her rental vehicle.Claims Manager [redacted] called [redacted] on May 13, 2014 to explain we had received her complaint and were responding accordingly.If any additional information is needed, please contact [redacted] , Claims Director at ###-###-####.

April 18, To Whom It May Concern:Thank you for your follinquiry of April 14,2014.We have reviewed ***- [redacted] ’s request for follow-up; however, we are unable to change our decision and reduce her deductibleWe believe it is ***- [redacted] 's responsibility to review her policy paperwork and make the necessary changes in the event any coverage or deductible discrepancies exist between her former insurer and current GEICO policyAs previously outlined in our original response, we mailed paperwork on at least occasions from December 8, 2012, through November 14, 2013, outlining ***- [redacted] ’s coverage and deductibles.We sincerely regret any inconvenience ***- [redacted] experienced during our handling of her lossWe believe that we handled her claim appropriately and in accordance with this provisions of her policy.Should you have any further questions, please contact [redacted] at ###-###-####.Sincerely,

April 29, Dear [redacted] ***:I am in receipt of your letter received electronically in my office April 28, regarding the abovementioned complainantI am responding to the insured concerns as it speaks to her refund on her homeowner policy through [redacted] Insurance Company as a result of her request to cancel same.GEICO Insurance Agency, Incis a sales agent for [redacted] Insurance CompanyAs such, we are required to abide by their underwriting guidelines for new and renewal businessIt has been determined that [redacted] refund in the amount of has been processed and mailed to her on April 28, The policy was cancelled flat effective April 15, per her requestWe apologize for any delay in said refund however the refund is processed through the [redacted] system.If you have additional questions or concerns, please contact me at ###-###-####.GEICO Insurance Agency, Inc

Let's start with the agent who sold me my auto insurance told me I would be covered even if I uber. That was 100% not the case. After I was in an accident I was informed I was not covered while ubering and I would have to use my supplemental insurance that uber provides. That's fine I'll pay the extra $500 deductible with the uber insurance. But now they are unwilling to provide proof of insurance or a certificate of compliance to the BMV. Because of this my license has been suspended and I drive for a living. Until this is rectified I will tell everyone I know that you guys lie and don't give a [redacted] about your customers. I would be more than happy to reevaluate this review if you guys get ahold of me and fix this issue which is highly unlikely.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: Once again I was never told that this was an approximate estimate by GEICO GEICO specifically gave me a code that I had to contact [redacted] with within five days in order to secure my quote price I contacted them the same day I completely understand the tax is extra added onto the quote I received a price from GEICO and contacted [redacted] as instructed [redacted] told me that they would get all of my information from GEICO I did not assume that I would have to pay a mobile fee after being given the quote directly from GEICO In my mind this is a mess up by GEICO I love how this blame is being shifted from one company to another when the company that I received the direct quote from will not take responsibility Why was I directed toward [redacted] with a quote that doesn't include extras on top of tax Once again I am not accepting the response and simply will never accept the response I expect my insurance company to be responsible enough to give out pretty accurate quotes NOT APPROXIMATE If approximate was the case I should have been told that it was approximate and not told to lock in my rate within five days before it expires Regards, [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because:When I contacted the support prior to actually being informed about the grace period in place by Geico, I was informed as previously stated in my complain by the agent on the phone of a grace period that does not correspond to July 14th but to a Day later based I repeat on a "business day" base not "calender day" base and those calls have been monitored and I believe this is a situation where the tape can be pulled out instead of verbal technicalities that once again are in the sole intent to clears Geico or their poor and rude customers service representative of any wtong doingAccountability should be the key here not playing hardballs with customers like me that actually believed the whole Geico deal was the actually trueOnce again my request for solution is the same and a positive outcome is expected Regards, [redacted]