Geico Corporation

June 16, Dear ***:This will acknowledge receipt of your request regarding the above named insured’s private passenger automobile policyI have carefully reviewed the matter and my findings are as follows:In ***’s correspondence to your organization he
expresses concern regarding GEICO’s refusal to remove him from a “friend’s” automobile policy.It is GEICO’s position that all proper procedures have been followed in the handling of the policy in questionUnfortunatly, *** is not named insured on the policy in question and a response including specific underwriting reasoning for GEICO’s decision would be out of compliance with privacy lawsAny further response from GEICO would require written permission from our named insuredThank you for taking our position into considerationIf you have any questions, or if GEICO can be of any further service in this matter, please contact me at ###-###-####.Very truly yours,

Jeremy C***
"Arial Narrow","sans-serif"">Assistant Vice President
August 22,
Revdex.com of Metro Washington DC & Eastern Pennsylvania
K StNW, 10th Floor
Washington, DC 20005-
RE: complaint id #: ***
Complainant: *** ***
Our Claim #: ***
Our Insured: *** ***
Loss Date: July 27, 2016
Dear Ms***,
Thank you for your letter of inquiry dated August 15,
Ms*** reported that on July 26, her vehicle was vandalized, causing glass damage and damage to the roof and front right doorShe covered her broken window with a garbage bagMs*** then changed her deductible from $2,to $effective July 27, 2016. When she returned to her vehicle on July 27, she discovered the garbage bag was torn off and additional damage was found that was not present on July 26, 2016.
We arranged an inspection of Ms***’ vehicle and began an investigation in an attempt to verify the date of the second loss, based on the coverage change which was effective the same dayWe determined that there was no independent evidence to verify if the additional damage occurred on July 26, or July 27, 2016. Ms*** parked her vehicle around 7:PM on July 26, and did not return to her vehicle until approximately 7:AM on July 27, 2016. With no way to prove or disprove the reported date of loss we had decided to handle the claim on its merits and would be affording coverage with the $deductible
On August 2, 2016, Auto Damage Adjuster, Patrick Benvenuto, completed an estimate for repairs based on the loss description by Ms*** and the visible damagesThe estimate for repair fell under Ms***’ $deductible due to a part price not being listed in the database of our softwareMs*** was advised that an invoice from her body shop of choice was needed to confirm the part costOnce received, we would address it and add it to the estimate as a supplement
As of the date of this letter we have not received a supplement request from Ms***’ body shop. On August 19, Claim Supervisor, Scott J***, spoke with *** Auto BodyThey confirmed the repairs were ongoing and they would be submitting a supplement request hopefully no later than today. MrJ*** also left a voicemail for Ms*** explaining the $deductible would apply for this incident and her rental was extended through today.
If any additional information is needed please contact Jenna W***, Consumer Relations Administrator at ###-###-#### or ***
Sincerely,
Jeremy C***
Assistant Vice President

April 22, Dear *** ***:We are in receipt of *** ***’s complaint dated April 14, 2014.On April 14,2014, we received a call from ***s requesting to cancel the Umbrella policyWe informed *** a written request is required by his policy
contractTermination (a) CancellationYou may cancel this policy by returning it to us or by notifying us in writing of the cancellationAny return premium will be calculated on a pro-rate basis.An Umbrella policy is unique in providing $1,000,liability coverage; therefore, it is imperative a written request to cancel is on file due to the possibility of pending claims and this procedure.Although we followed procedure, we should have made the exception to cancel the Umbrella policy knowing ***s was upsetWe attempted to reach ***s via phone and left messages informing him we made the exception to cancel his Umbrella policy effective April 15, 2014, date after his initial call and mailed the enclosed letter confirming his cancellation request.Please let me know if you have any further questions or concerns

Dear Mr***:
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Thank you for your recent inquiry
We understand that Mr*** is seeking payment for diminished value of his *** ***Auto Damage Supervisor Aaron G*** tried to reach Mr*** on September 8, to discuss this matter, but was only able to leave a message
We paid for the full cost to perform a high quality repair of Mr***’s vehicleDiminution of value is not covered under the physical damages coverage on Mr***’s policy. Please refer to Mr***’s policy contract:
SECTION III - PHYSICAL DAMAGE COVERAGES
Your Protection For Loss Or Damage To Your Car
LIMIT OF LIABILITY
The limit of our liability for loss:
is the actual cash value of the property at the time of the loss;
will not exceed the cost to repair or replace the property, or any of its parts, with other of like kind and
quality and will not include compensation for any diminution in the property’s value that is claimed to result from the loss;
It is possible that Mr*** can pursue a diminution of value claim with the other driver’s insurance carrier, ***, as a third party claimantMr*** should direct any inquiries about the diminished value of his vehicle to ***
If you have any questions, please contact Auto Damage Manager Craig H*** at ###-###-####
Sincerely,
JLee M***, Jr
Assistant Vice President, Claims

March 26, 2014Dear *** ***,
T*** you for your inquiry of March 22, On December 6, *** *** was involved in an accident in ***, CT*** *** spoke to our claims department and agreed to have her vehicle towed to *** *** *** in *** ***This
shop is a member of our Auto Repair Express Program, which was explained to the customer*** *** went to the shop on December 9, and signed both an authorization to repair and a direction of pay (see attached) which gave the shop permission to repair her vehicleGEICO is not the vehicle owner and can’t authorize repairs to her vehicle; *** *** was the only one to do such when she signed the attached forms.On February 28, 2014, twelve weeks after the loss, *** *** reported that her vehicle broke down and was taken to *** ***The dealership informed *** *** that there is damage to her transmission and cannot be covered under warranty due to the fact it is a wear and tear issue*** *** then moved her vehicle to *** Transmission in ***, CT and called GEICO*** *** authorized the shop to dismantle and diagnose the issue with her transmission.On March 3, 2014, Auto Damage Field Supervisor, *** *** and Auto Damage Adjuster, *** *** went to Mechanical Transmission shop to inspect the vehicleUpon arrival, the transmission was taken apart and laid out on a tableA thorough inspection with the shop technician revealed that the spider gear shaft on the differential was nearly completely wornThis wear caused all of this metal from the spider gear shaft to be ground off and now be free floating around in the transmission, eventually causing it to failWear like this can only be attributed to the rotation of the tires, which on the customer’s vehicle, were 80-90% worn based on tread depth measurements.GEICO’s inspection at *** ***’s second repair shop of choice yielded the same diagnosis and conclusion as her first shop of choice (*** ***) that the damage to the transmission was due to wear and tear and could in no way be related to the loss that occurred on December 6, Jay, the technician at *** Transmission, agreed with this decision as well.GEICO has informed *** *** of our findings and decisions based on the physical inspection of her vehicle and the condition of the claimed damagesGEICO stands by its decision that the transmission damages are not loss related and were caused by wear and tear.If any additional information is needed, please contact *** ***, Claims Director at ###-###-####

June 6, Dear *** ***Thank you for your letter of June 2, It has been referred to me for a response.This loss occurred in ***, Maryland, where our insured, *** *** ***, rearended a vehicle which was driven by *** *** *** and carried four (4)
passengersDuring our investigation of this loss we determined that the total value of the injury claims submitted would be over our policy limitsWe entered into settlement discussions with *** *** ***, the attorney for all claimants, and a letter was sent with a breakdown of the settlements for all of the injured partiesWe included a General Release which would release our insured from any further liabilityOn May 28, we received a call from *** *** who requested a Limited Liability Release because his client lives in Georgia with a Georgia rated policy, Per Georgia statute in order to file an Underinsured Motorist Claim a Limited Liability Release would need to be signed and we issued the Limited Liability Release on June 4, 2014.*** *** noted that the handling adjuster failed to disclose her declaration page to *** ***To clarify, we had not received this request from *** *** nor would we be privy to this information since we are handling the claim under our insureds policy and not *** ***s policy.If you have any further questions or need further documentation, please contact *** *** at ###-###-####, extension ***.Sincerely,

December 15,
"">*** ***
Revdex.com of Metropolitan Washington DC
K Street NW, 10th Floor
Washington, DC 20005-
Regarding: *** * ***
Policy: ***
Revdex.com File Number: ***
Dear Ms***:
We have received your letter requesting assistance on behalf of *** ***. I welcome the opportunity to respond to her concerns
I am sorry to hear about the difficulty Ms***’ is experiencing in relation to her auto policy. Ms***' was insured with us under policy number ***, effective March 12, to November 2, 2016.
While we have a record of Ms*** contacting us on November 25, 2016, we do not have any records indicating that she requested to cancel her policy at that time. Additionally, our calls are recording randomly for quality and training purposes; therefore, we do not have a recording of this particular call. Despite this, we have backdated the cancellation of her policy since our records indicate that she did contact us on November 25, 2016.
On November 12, 2016, my Customer Service Manager, Donavon E***, spoke with Ms*** and apologized for any inconvenience that this matter has caused her. Per her request, MrE*** updated her policy cancellation to November 2, 2016, and her policy now reflects a $balance
I hope that Ms*** will consider us for her future insurance needs and that this information is helpful in resolving her concerns. If you have any additional questions please contact my associate, Phillip Kashin, at ###-###-####, extension
Sincerely,
Maria S***
Assistant Vice President
GEICO Indemnity Company
NAIC:

October 17,
Revdex.com of Metropolitan Washington DC
and Eastern Pennsylvania
K StNW, 10th Floor
Washington, DC 20005-
Attention: *** ***
Re: *** ***
Case ID: ***
Policy#: ***
Dear Ms
***:
This will acknowledge receipt of your October 11, inquiry regarding the above referenced private passenger automobile insurance policy
Our records show that on September 21, a notice of cancellation for nonpayment of premium was mailed to the named insured at the address on file indicating a cancellation date of October 7, because GEICO did not receive a past due premium installment payment of $by its September 20, due dateThe policy was subsequently cancelled for nonpayment of premium on October 7, since the minimum required payment was not received by the indicated cancellation dateThe cancellation also resulted in an outstanding earned premium balance of $since the policy was not paid up to the October 7, cancellation dateEnclosed are copies of the premium installment bill that was issued on September 6, 2016, the notice of cancellation dated September 21, 2016, and its proof of mailing
On October 10, Mr*** contacted GEICO via our company’s website and requested to reissue the cancelled policyUpon evaluating the current underwriting factors for Mr***, including the lapse in coverage, the policy no longer qualified for its prior placement in our preferred company, GEICO General Insurance CompanyMr*** was then provided with a premium quote for the appropriate policy placement, which he accepted and submitted the required down payment in order to establish a new policy (***) with an effective date of October 11,
It is GEICO’s position that Mr*** is receiving the best rate that our company can offer him at this time based on his current underwriting factorsAs a result, GEICO is unable to comply with the insured’s request to reinstate the old policy at the previously provided rate
Since there appears to be no valid complaint against GEICO, we ask that this be removed from our record
If you require further assistance with this matter, please contact the undersigned at ###-###-####
Very truly yours,
Brian O***
Executive Office

[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: ***I am rejecting this response because:Its difficult to to be exact as to where the blame should be placed because it was by way of the adjuster claims adjust that stated take your car back in for the irregular vibration and have the adjuster for GEICO auto look at your car. The adjuster was too busy and unable to test drive and asked a *** tech to ride with me and from there is when the issues began. Regards,*** ***

[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: ***
I am rejecting this response because: I never authorized Geico to add my son in my policy and I believe they have done it forcefullyThey have mailed me a letter along with several pages of policy and contract information which will take several hours to read and I don't have time to do soThis action is directly violating the rights of a customer and I would like to inform the general public to be aware of this unfair business policy before anyone choose this companyI would like to let the general public know that I am extremely dissatisfied with their services and I will never recommend this company to anyone
Regards,
*** ***

June 5,
Dear" class="cuttext">"background-text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">...⇄ *** ***,
We received your correspondence dated May 31, 2014, regarding the abovenoted complaintWe have not included any personal identifying information in our response as you requestedOur policy is a family automobile policy that provides coverage for resident relatives, and we therefore consider family members in our underwriting and rating processOn April 30, 2014, we received a notice that a 16-year-old who lived in our Insureds household obtained a drivers licenseWe sent our Insured an e-mail and a letter, asking her to provide us with more information on the youthful driverOn May 1, 2014, our Insured called us and confirmed her 16-year-old son lived at her residence, and had an active drivers licenseWe added her son to the policy effective May 2, We informed our Insured that we could remove her son from the policy if she obtained other insurance for himOur records do not reflect that we were untruthful with our Insured during the process of adding her son to her policyHer new policy premium is correct, given the presence of her licensed year-old sonOn June 2, 2014, we informed our Insured of our positionWe trust this information is sufficient to allow you to close your filePlease call Jaime Bryant, Customer Service Director, at ###-###-####, if you have any further questionsSincerely,

---------- Forwarded message ----------From: *** *** Date: Mon, May 5, at 12:PMSubject: Complaint #***To: "[email protected]"
Good afternoon,
I have been in contact with *** *** about this matterThe going back and forth without a resolution right now with Geico violating my consumer rights is a bit redundantPlease advise what your agency is going to do about my complaint. Thanking you in advance
***

August 15,
class="MsoNormal">
Revdex.com of Metropolitan Washington DC and Eastern Pennsylvania
K St. NW, 10th floor
P.OBox
Washington, DC 20005-
Attention: *** ***
RE: CASE NUMBER: ***
COMPLAINANT: *** ** ***
INSURED: *** ***
CLAIM NUMBER: ***
POLICY NUMBER: ***
DATE OF LOSS: August 5,
COMPANY: Government Employees Insurance Company
Dear *** ***:
Thank you for your letter of August 8, This claim was reported to GEICO on August 5, by the complainant, *** ***She reported that she was struck in the rear by the driver of our insured’s vehicle, *** *** *** was advised when she reported the loss that there was an issue with the coverage under *** ***’s policy and that we would investigate the coverage and notify her promptly once a decision was rendered
The claim was assigned to Liability adjuster Pershenia M*** to complete the coverage investigationMsM*** contacted our coverage department on August 6, and confirmed the the driver of *** ***’s vehicle, *** ***, was an excluded driver during this loss and had been an excluded driver since October 22, MsM*** contacted our named insured, *** ***, on August 6, to advise him of the coverage issue. *** *** stated that he did not have any details about the accident and would have to contact us back after he looked into itMsM*** contacted *** *** that same day and obtained a recorded interview regarding the details of the lossAfter the recorded interview, MsM*** advised *** *** that we were investigating coverage and that we could not move forward with any vehicle repairs unless we determined that there was valid coverage, and recommended *** *** file through her own GEICO policy. *** *** declined that option
The claim was submitted to GEICO’s Regional Liability Administrator (RLA), Cynthia M***, on August 6, MsM*** approved a disclaimer of coverage due to the driver of our insured’s vehicle, *** ***, being an excluded driver under *** ***’s auto policyA letter was mailed to *** *** on August 6th verifying that we would be unable to afford any coverage under the above noted policy for the lossMsM*** called and left messages for both *** *** and *** *** advising each that there was no coverage for the lossA disclaimer of coverage letter was mailed to *** *** that same day as well*** ***’s GEICO adjuster contacted MsM*** on August 7, and was advised that there was no coverage for the loss, and a letter was forwarded to their claim for their records
When reporting the loss, *** *** confirmed the driver of our insured’s vehicle. A proper and timely coverage investigation into the matter was completed. As a result, it was necessary for *** *** to file for her vehicle damages using her own GEICO policy, under which a $Uninsured Motorist Property Damage deductible would be properly applied, as opposed to her $Collision deductible
If there are any additional questions, please feel free to contact Claims Manager Heather G*** at ###-###-####
Sincerely,
Kristiaan L**
Regional Liability Director

They have refunded my money back to my account took 5daysI cancelled my July 30th payment cause my money was not back into my accountBut payment was made in full Aug 8th 2014Regards,*** ***

Geico advertises low insurance rates, but tacks on a lot of hidden charges after they provided me with a quoteAfter a year, I decided to switch insurance when my policy expiredAfter the expiration date of my policy, Geico proceeded to extend my policy without my consent and billed me for nearly an extra month, and threatened to ruin my credit if I refused to payI've switched auto insurance many times over the years, this is the first time that an insurance company has pulled such a vindictive stunt on a customerI will never go back to Geico

August 15, Dear *** ***,We received your correspondence dated August 9, 2014, regarding the above-noted ConsumerWe have not included any personal identifying information in our response as you requested.Although our Insured indicated he only had two returned check payments,
our records reflect our Insured had a total of three returned check payments within a six month periodOur Insured’s check payments returned for the below reasons:Date Transaction Explanation2/10/ Electronic check payment made at geico.com Payment returned due to incorrect routing number or account number entered at geico.com. 2/14/2014 Electronic check payment made via telephone Payment returned due to non-sufficient funds (NSF)A $NSF fee was applied to the policy
4/8/2014 Electronic check payment made at geico.com Payment returned due to incorrect routing number or account number entered at geico.com. When a policy has either two check payments return for adverse reasons (for example, nonsufficient funds), or a total of three check payments return for any reason within a six month period, we place a payment restriction on the policySince our Insured had three check payments return, we sent him a letter on April 16, 2014, which informed him that we will no longer accept check payments for his policy, and he should make future payments using a credit card, ***, ***, or money orderA copy of that letter is enclosed for your reference.It is our position that we provided sufficient notice for our Insured to make the necessary arrangements for his August 7, 2014, paymentAs a result, we are unable to reimburse our Insured for any overdraft fees that may result from the payment he made on August 7, 2014.On August 12, 2014, and August 15, 2014, we spoke to our Insured regarding his concernAs an exception, we removed the payment restriction from his policy and agreed to waive the $NSF fee that resulted from his February 14, 2014, paymentWe trust this information is sufficient to allow you to close your filePlease call Jaime B***, Customer Service Director, at (*** *** ***, if you have any further questions.Sincerely,George R.
Regional Vice President

July 22,
Revdex.com of Metropolitan Washington DC and Eastern Pennsylvania
K St. NW, 10th floor
P.OBox
Washington, DC 20005-
Attention: *** ***
RE: CASE NUMBER: ***
COMPLAINANT: *** ***
INSURED: *** ***
CLAIM NUMBER: ***
POLICY NUMBER: ***
DATE OF LOSS: May 26, 2014
COMPANY: GEICO Advantage Insurance Company
Dear *** ***:
Thank you for your letter of July 15,
GEICO hired a 3rd party appraiser at the request of *** *** when he invoked the appraisal clause portion of the insurance contract. The independent appraiser went to the vehicle and performed an inspection to determine the average market value of the vehicle and produced a report of the findingsWhile the report he created shows steel wheels instead of aluminum wheels, the value of ***’s vehicle was determined by book value and a market search of his vehicle. Therefore, the report does take into account what his vehicle is selling for in the local market area
He then contacted AVR group, which is the appraisal company *** hired, to negotiate the total loss settlement on his behalf. We have settled the claim as of July 18, and will be processing paperwork and issuing payment to *** as a result of this settlement once the vehicle has been picked up
If there are any additional questions, please feel free to contact Claims Manager at Justin K*** at ###-###-####
Sincerely,
Dan B***
Assistant Vice President

June 25,
*** ***
Revdex.com of Metro
WashingtonDC & Eastern Pennsylvania
K StNW, 10th floor
WashingtonDC20005-
VIA FACSIMILE: ###-###-####
RE: ***
Insured: *** *** ***
Policy Number: ***
NAIC: ***-GEICO
Dear ***:
This is in reference to ***’s rejection of our June 12, response
*** *** spoke with *** on June 18, at which time he agreed to provide the names of the associates he spoke with to ensure proper training and feedback is provided
I apologize for any confusion or frustration this situation has caused ***. If additional information is required, please contact *** *** at ###-###-#### or via email at *** Her office hours are Monday through Friday, 8:a.mto 4:p.mEST
Sincerely,
*** ** ***
AVP, Underwriting

August 19, Dear *** ***Thank you for your inquiry of August 10, 2014.On August 7, 2014, *** *** reported a collision claim involving his vehicle and scheduled an inspection for his vehicle for that same afternoonRegrettably, when *** *** showed up for the inspection
the adjuster was delayed and missed the appointment.On August 8, 2014, we offered to send an adjuster to the location of *** *** choice for an inspection.On August 11, 2014, Auto Damage Adjuster, Greg G***, spoke with *** *** and made every attempt to inspect his vehicle at a location and time convenient for *** *** ***'s vehicle was inspected the morning of August 12, 2014, *** *** thanked MrG*** for his effort.If there are any additional concerns or questions, please Contact Auto Damage Manager, Kevin C*** at ###-###-####.Very truly yours,Kenneth L*** Auto Damage Director

Dear *** ***:Thank you for your letter of inquiry dated April 27,2014.This loss was reported under *** * ***’s policy on March 20,In this accident our insured, *** *** was struck by an unknown vehicle causing her to lose control and strike a guardrailThe
unknown vehicle fled the scene.Due to the fact that *** *** added the coverage applicable for this loss on March 19,we have requested that she submit to an examination under oath*** has been advised that we are unable to issue any additional payments on this claim as we have been unable to verify that the damages caused to her vehicle were done prior to her adding collision coverage to her policy.***’s New Jersey Family Automobile Insurance Policy states:SECTION V- GENERAL CONDITIONSThese Conditions Apply to All Coverages InThis PolicyEXAMINATION UNDER OATHThe insured, or any other person seeking coverage under this policy, must submit to examination under oath by any person named by us when and as often as we may require.On May 1, 2014, Claims Supervisor, *** *** made a call to *** and left a voicemail for her to contact us to discuss the matter furtherThe examination under oath for *** is currently scheduled for May 20,Once the examination under oath is completed, a decision will be made regarding coverage for this loss.if any additional information is needed, please contact *** ***, Claims Director at ***