Geico Corporation

This company has unethical practices. The declarations page, aka "contract of service," that you are provided lists the details of the services you request to purchase, however when it comes time and you file a claim after paying a repair bill in full they do not process the charges based on the declarations page you both agreed you were purchasing in the product. Instead they pull out secret rules and guidelines they have that you are uninformed about being in existence when buying their product.

[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:
I was told that my car is three years old, and  because is NOT a new car, the provider has increase my monthly premium only because is not a recent model.  I've understood that only brand new models starts with high premium as happened with me with I trade in the old 2008 [redacted], for a [redacted], 2011, immediately my monthly premium increase my monthly payments.  According to the customer services at the moment when the dealer called them regarding  the new model 2011, my monthly payments were increased stating that "that having a new car" my premium was higher per month. So who can understand them, if its a old model the provider increase instead to decrease if a new model same thing the provider increases the monthly premium stating is because a new model of car.  So its doesn't matter what old or new the provider increases the monthly premium?  How come for an old car instead to decrease it.  Who can understand this provider?   The provider has information regarding the mileage of the car, in three years only has 12,200.  I am suppose to have 12,000 per year, but I don't.  The car may be parked for a week almost two weeks, I have a full cover, as a driver zero accidents.  So why to increase the monthly premium for an old model?   What the customer services said by phone is other thing different to what Geico's statement. I am asking to keep my same monthly payments as the provider is taking it directly from my bank every month, I am requesting the premium I had previously.  How can they get affected?  I am the only one affected, because I lost my job, struggling to pay bills, etc. Thank you. 
Regards,
[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:The response is not a response at all. It was not directed to me, was not a truthful account of what happened, nor did it address any of what I wanted as restitution.
Regards,
[redacted]

June 9, 2014

class="MsoNormal"> 
Revdex.com of Metropolitan Washington DC and Eastern Pennsylvania
1411 K St.  NW, 10th floor
P.O. Box 149104
Washington, DC  20005-3404
 
RE:     CASE NUMBER:                 [redacted]                                                                   
                        COMPLAINANT:                [redacted]     
                        INSURED:                            [redacted]     
CLAIM NUMBER:             [redacted]                                   ...⇄
POLICY NUMBER:            [redacted]   
DATE OF LOSS:                  March 10, 2013         
COMPANY:                          Government Employees Insurance Company         
 
Dear: [redacted]
 
Thank you for your letter of May 28, 2014.
 
Our insured, [redacted] reported this loss on March 10, 2014 at 12:22 PM Central time. [redacted] reported she was driving her 2011 [redacted] and rear ended her husband’s vehicle. [redacted] reported a dog ran out into the roadway at [redacted], TX and in trying to avoid the dog, [redacted] struck [redacted]’s vehicle.
 
[redacted]’s GEICO Indemnity policy number [redacted] has an effective date of March 10th, 2014 at 12:01 AM.  Ms. [redacted]’s policy was canceled for non-payment of premium on November 1, 2013 and she called in on March 9, 2014 to reissue her policy with the above effective date. When [redacted] reported the accident, she stated her vehicle was not drivable and towed from the scene. We advised [redacted] that since the date of loss was the same day as the policy effective date, we needed to confirm the date of loss. In support of her claim, we requested a statement from her husband, [redacted] who was driving the vehicle that was struck. Additionally, we requested a tow receipt and a face to face interview with our field representative. [redacted] stated she didn’t remember the name of the tow company and did not have a receipt to serve as evidence the vehicles were towed on the date of loss since [redacted] did not report the loss to the police.
 
On April 14, 2014, a letter was sent to [redacted] advising we were still investigating this loss and needed the additional information to confirm the date of the accident.  [redacted] went 4 months without insurance and had a significant accident to both her vehicles the day after she called in to reinstate her GEICO policy. [redacted], her spouse, has not presented for a face to face statement with our field representative as requested.  At this time, GEICO is awaiting [redacted] to provide us with a tow receipt, contact information for the tow company and/or the correct accident location.  Without this evidence we are unable to determine the date of loss and complete our coverage investigation.  
 
Additionally, [redacted] reported she rear ended her husband’s vehicle but the damages to her 2011 [redacted] are to the passenger side fender of her vehicle. The damages to [redacted]’s vehicle are to the rear of his vehicle and the driver’s side quarter panel. Once we have all the information requested from [redacted], we can resolve our coverage and liability investigations in order to resolve her claim.
 
If there are any additional questions, please feel free to contact Claims Manager [redacted] at ###-###-####
 
Sincerely,
 
 
[redacted]
Regional Liability Director

[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:  The police report quotes the other driver as follows: "Driver 1 said that she thought the truck was parked and did not think it was moving."  This directly contradicts her later statement that it was in fact moving. 
Also, the delay brought on by GEICO's investigation significantly extended the repair time for my truck such that it wasn't completed when they terminated approval for the rental. Due to their delays I was forced to pay out of pocket for 4 extra days' rental.
Regards,
[redacted]

We received your...

correspondence dated March 21, 2016, and have not included any personal identifying information. We attempted to contact our insured to discuss this on March 24, 2016, however we were unsuccessful in reaching them.
On February 13, 2016, we mailed renewal paperwork with our insured’s billing statement advising his full six month payment of $791.14 would be due on March 18, 2016. Our insured contacted us on March 18, 2016, with a request to change his current one payment plan to our monthly payment option, Our customer Service representative advised our insured that he would have six monthly payments of $132 due on the 18th of each month. Our representative advised that a minimum payment of $68.80 was required and a payment was made by credit card which included a $5.00 service fee. Our insured was offered Electronic Funds Transfer (EFT) as a payment option for his future payments where payments are automatically debited from the customer’s banking account and includes a $1.00 service fee. Our insured elected to enroll in the Electronic Funds Transfer (EFT) service at that time. Because our service representative took only a partial payment of $68.80 for the month of March, a balance of $63.06 was left outstanding. This remaining balance for March was reflected on the billing statement we mailed on March 19, 2016 and was due immediately. However, after further review, we have determined that we did not appropriately advise our insured of the remaining balance and as an exception the $63.06 has been removed. An adjusted billing statement will be mailed to our insured reflecting this change.
We apologize for the miscommunication and inconvenience this may have caused. If additional information is needed to close your file, please contact Cindi T[redacted] at I +###-###-#### or [redacted],
Sincerely,
Heather M[redacted] Assistant Vice President

geico tried to submit payment three times and cost me 87 dollars, I paid in person and GEICO submitted a fourth time after it was paid. GEICO STATES THEY ARE NOT RESPONSIBLE FOR FEES AND THE CHECK IS BEING MAILED.

[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 me.  
Thank you !
Regards,
[redacted]

This will...

acknowledge receipt of your February 22, 2016 inquiry regarding the above referenced private passenger automobile insurance policy.
Our records show that [redacted] and [redacted] previously insured a 2008 [redacted] under the above policy, which was rated for [redacted], Mechanicville, NY 12118.
On November 19, 2015 Mr. [redacted] contacted GEICO's auto insurance customer service department via telephone, and indicated that he had obtained a homeowner insurance policy for the above address through our company. As such, he and his wife were eligible for a multi-line discount on their auto policy. The appropriate discount was then applied to the auto policy effective May 10, 2015, which was the effective date of the homeowner insurance policy.
On December 31, 2015 the above auto policy was cancelled at the request of Mr. [redacted], and he was provided with the appropriate pro-rata premium refund of $52.59. However, it was subsequently discovered on January 19, 2016 that neither Mr. [redacted] nor his wife are listed as the named insured on the homeowner insurance policy that he referenced on November 19, 2015. Consequently, the multi-line discount was removed from the auto insurance policy effective May 10, 2015 since neither Mr. [redacted] nor his wife were eligible for the discount. The removal of the discount resulted in an outstanding earned premium balance of $29.12 on the cancelled auto policy.
On January 20, 2016 an earned premium bill was mailed to the address on file indicating that an outstanding balance of $29.12 was due on the cancelled auto policy. An electronic check payment in the amount of $29.12 was subsequently received on February 22, 2016, which satisfied the outstanding earned premium balance. A copy of the earned premium bill is enclosed.
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[redacted]
Executive Office

9">                                     ...⇄
                                        ...⇄                                             ...⇄ September 16, 2014
 
[redacted]
Revdex.com of Metro
WashingtonDC & Eastern Pennsylvania
1411 K St. NW, 10th floor
WashingtonDC20005-3404
 
VIA FACSIMILE: ###-###-####
 
RE:                               [redacted]
Insured:                        [redacted]
Policy Number:             [redacted]
NAIC:                          [redacted]-GEICO Indemnity
 
Dear [redacted]:
 
Thank you for your recent inquiry dated August 27, 2014.  I welcome the opportunity to respond to [redacted]’s automobile insurance policy concerns.
 
[redacted]’s Ohio policy renewed on June 18, 2014 to be effective July 23, 2014 with a six month premium of $463.24. 
 
When a policyholder moves from one state to another, the policy is cancelled and rewritten for the new state.  [redacted]’s policy was re-written for Georgia effective June 27, 2014 to December 27, 2014 with a six month premium of $939.78.
 
Per [redacted]’s request, her Georgia policy was cancelled effective July 23, 2014 resulting in earned premium of $76.37 for the period of June 27, 2014 through July 23, 2014. 
 
We received [redacted]’s payment of $76.37 on August 27, 2014.
 
[redacted] attempted to contact [redacted] on September 16, 2014; unfortunately, she was unable to reach her. 
 
 
I hope this information will assist you in resolving this matter. If additional information is required, please contact [redacted] at ###-###-####.  Her office hours are Monday through Friday, 8:00 a.m. to 4:30 p.m. EST.
 
 
Sincerely,
 
John *. L[redacted]
AVP, Underwriting

I was a policy holder with geico for 5 yrs. Despite the rising premiums and my safe driving record I stayed and payed. Recently I went to a car dealership and purchased a used car. On january 13th I called geico and spoke to someone named Alexis and transferred my auto insuranced from my old car to my new one. At this time the dealer also spoke to the rep to confirm all the vehical information was correct and gave her his email to send a copy of insurance cards. I got my temporary registration and drove off with my car. Needless to say geico claims we never called. There is no record of my call. They stated it is against the law for the dealer to allow me to drive away without verifying insurance. Which he spoke to alexis and she confirmed my policy number and assured him the cards were in his email. Now I am unable to put a new york registration on my car because geico claims we never called. They can add the car to the insurance but cannot back date the insurance to the day my temporary registration was issued. DMV needs all dates to match. Again with rude supervisors whom dont give u the ability to explain your situation before reacting. This was totally geicos fault. My call was not recorded or even noted. But the call remains in my phones history as well as a 15 minute call duration proving I called. I cancelled my insurance mainly due to the supervisor calling me a liar. Im now out of a car
It sits and I cant register it at all.

transparent;">We have received your request for assistance on behalf of [redacted]. A response to Ms. [redacted] has been sent via United States Post Office mail. The following is a summary of that response.
Ms. [redacted] indicated that a Declarations Page for her policy that she requested was never received. Our records show that the document was sent to Ms. [redacted]'s email on 05/10/16 after which there was no additional request to re-send the Declarations Page.
We have included an additional copy with our response to Ms. [redacted].
If you have any additional questions, please contact our analyst, Mary Arevalo, at ###-###-####, extension 5508.
Sincerely,
Gregory J[redacted]
Assistant Vice President
GEICO General Insurance Company

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 me.  Regards, [redacted]

Injured in a car accident and car totaled (not my fault) almost a year ago and I have received limited feedback regarding my claim. I have asked that it be resolved but get same response, "we are waiting to hear back from other company". NO timeline provided. Medical bills have been turned into collection agency. I have had to initiate contact to get any response from Geico. Very disappointed in this company who advertises that they have quick claim resolution.

June 8, 2014
Dear **. [redacted]:We have received correspondence from the Revdex.com (Revdex.com) requesting assistance on your behalf, I am happy to provide you with the following response.I would first like to thank you for once again selecting the GEICO family for...

your auto insurance needs. We know you have many options when selecting an auto insurance company, so we truly value you as a returning policyholder.When you purchased your new policy ([redacted]) at our website, geico.com, there was a remaining balance due of $59.90 on a prior policy ([redacted]). Therefore, prior to issuing the new policy, it was necessary for us to collect the prior balance due. When you authorized the initial installment for the new policy, you were advised that we would process a separate payment for the remaining amount due. Screen shots of the actual transaction-are only available for up to 45 days. Because you purchased your policy over 45 days ago, we no longer have a copy of your actual transaction. However,I have included a generic screen shot of what would have been presented to you when purchasing a new policy with a balance due on an old policy.Since you were given the opportunity to contact us via telephone prior to proceeding and you entered your payment information, your payment of the prior balance is not considered to be unauthorized. For this reason, we are unable to honor your request to refund your payment of $59.90.**. [redacted], I hope this information is helpful. If you have additional questions, please call our analyst, [redacted], at ###-###-####, extension [redacted].Sincerely,

[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
I am rejecting this response because:I called to make a claim with Geico February 16 2014 That I was involed in a hit and run accident .The other vehicle took off when I proceeded to get out of my vehicle to exchange insurance information. Luckily I got the other drivers license plate number .Called the police gave them the info. Then called Geico when talking to a claims representative she was very condesending Made me seem as though it was my fault.[redacted] then told me that there was nothing she could do until they did a trace on the plate number .I called Geico many times after that .It took Geico nearly a month before they sent an adjuster out to look at my vehicle.I now have medical bills that are due and they have yet settled this claim . When [redacted] does call to speak with me about the medical claim she proceeds to tell me that they are only going to offer me a one time settlement the medical bills that are due plus double that . Well I do not believe that is fair. Ihave a constsnt pinch in my shoulder everyday as a result of this accident I will probaly need additional medical attention and test done as a result of the accident.What ever happened to paying into a legitament insurance company for 15 years and expecting your insurance to at least be respectful. As of today Geico has yet settled this claim .
Regards,
[redacted]

I was happy with everything until this past month. My boyfriend borrowed my car in June and had a minor accident and was not on my insurance, Geico handled it without a problem. Five months later at the end of my premium they decided to drop me, understandable. What is not understandable and is totally unacceptable is that they sent the letter out in the beginning of October and I never received it. You would think they might send a follow up letter, or maybe hit me with a courtesy call, but no. Now that I drove around without insurance for 10 days I finally get a letter from the DMV asking what's going on. Second, how horrible of a company do you have to be to continue a premium after an accident and then drop them months later?! Again, should have had the courtesy to drop me automatically instead of wasting my time. Third, you just lost someone who has a clean driving record and was paying $180 every month ON TIME. Were you expecting me to beg for my insurance back so you could double the premium? Does that actually work on people? Jokes on you, S[redacted] just saved me $60 a month for the same thing. Stop being cheap and get your own renters insurance while you're at it instead of funneling through other companies.

I've been with GEICO for 13 years. In 13 years, I'd never had an accident. On August 12, of 2015, I had backed into a empty parked car in a parking lot. I called GEICO, took pictures and contacted the owner of the other car. Nobody was hurt, there was only a SCRATCH on the car. When my policy renewed, they had DOUBLED by premium. So, I called GEICO. My question was why was my policy doubled? What criteria did you use? The first guy didn't answer the question, so I asked for his supervisor. He transferred me to the claims department. The claims department couldn't answer my question so I was transferred back to the original department and finally got a supervisor named Kate. I asked Cate the same question. Finally, she tells me that I was in a AT FAULT accident (true). GEICO paid out over a thousand dollars for the claim (true). Anything over $1,000 in an AT FAULT car accident doubles my premium. Finally, she told me that GEICO paid out $1,050.00 for my claim. So for $50.00, GEICO doubled my rates . I'd never been in a accident for 13 years and the $50.00, my rates are doubled. I was told that it's industry standard and they thanked me for being a loyal customer. Well, I wasn't loyal to the industry...I was loyal to GEICO. Now, if I can get my premium dropped by $1 at another insurance company, I will leave GEICO.

May 29, 2014
Dear [redacted]:Thank you for your email of May 18, 2014.On April 14, 2014, our policyholder, [redacted], submitted a claim for damage to his 2008 [redacted]. We requested he take his vehicle to his shop of choice for a written estimate and photographs of...

the damages and send them to use for review.On April 16, 2014, we received an estimate in the amount of $765.39, but no photos of the damages were sent. On April 22, 2014, we reviewed the estimate and decided to make payment without photos as the repairs were consistent with the damage description given by **. [redacted]. We contacted **. [redacted] and advised of our review. At that time, we explained that we would issue a two party check payable to **. [redacted] and his lienholder or **. [redacted] and his repair facility since he still had an outstanding lien on the vehicle. **. [redacted] advised he would call back with his decision. -When **. [redacted] called back the same day, he requested that we issue payment directly to him. We advised that we would be required to include his lienholder or repair facility on the payment per the conditions of his policy contract. **. [redacted] stated he would cancel his policy and asked that we issue payment directly to his lienholder. Unfortunately, the customer service representative who spoke with **. [redacted] failed to issue payment until April 29, 2014.On May , 2014, **. [redacted] contacted us to advise that his lienholder would not accept the payment they received as it was made payable solely to them. They requested that we reissue payment copayable to **. [redacted] and his financial institution. We issued a replacement payment on May , 2014.We sincerely apologize for any delays in payment and communication problems **. [redacted] experienced during our handling of the claim. We believe this matter is now resolved. Should you have any further questions, please contact our Auto Damage Manager, [redacted], at ###-###-####. -Sincerely,

July 31, 2014
 
Revdex.com
Attn: [redacted]
1411 K St. NW, 10th Floor
Washington, D.C.  20005-3404
 
 
Re:       [redacted]
            Case No. [redacted]
 
 
Dear [redacted]:
 
This is in response to your correspondence received in our Washington, D.C. Executive Offices.  It was referred to the [redacted], TX Regional Office for a reply.
 
On June 30, 2014, a Notice of Cancellation for Nonpayment of Premium was mailed in the amount of $363.73 to be due prior to 12:01 a.m. on July 11, 2014 or the policy would cancel.  A payment was not received and the policy cancelled.
 
GEICO extends a three calendar day grace period, as a courtesy, for our customers on monthly installments whereby payments may be received and the policy continues without a lapse in coverage.  The first counted day is the Cancellation Notice effective date.  For example: 
 
Day 1 = July 11, 2014 (Cancellation Notice effective date)
Day 2 = July 12, 2014
Day 3 = July 13, 2014 
 
A full insurance day begins at 12:01 a.m. and ends the following calendar day at 12:01 a.m. and includes all weekends and holidays. A payment needed to be received prior to 12:01 a.m. on July 14, 2014 in order to continue [redacted]’s policy without a lapse. 
 
On July 14, 2014, at 6:57 p.m. Central Standard Time, [redacted] contacted the Customer Service Department to make a payment.  [redacted] was advised the policy was only paid for until May 23, 2014 and the premium balance of $210.52 was due for coverage provided from May 23, 2014 until the cancellation date of July 11, 2014.  This amount needed to be collected prior to quoting a reissue policy.
  
[redacted] then paid the policy balance and was transferred to a Customer Service Representative and was given a quote to reissue his policy.  [redacted] declined our offer to reissue his policy. 
 
Again, we regret any conflicting information [redacted] may have received from our Customer Service Department.  GEICO customers are advised calls may be recorded for quality and training purposes.  The calls to our Service Department are randomly recorded and reviewed.  However, the recordings are not retained after internal review.
Our written response dated July 22, 2014 indicates the lapse in coverage will remain and the original policy premium is no longer applicable.  The original response decision will stand.
 
[redacted] may contact the 24-hour Customer Service Department at ###-###-#### at his convenience to reissue his policy.  We welcome [redacted] to remain with the GEICO family.
 
If you need additional information please contact Jerry M[redacted] by telephone at ###-###-#### from 8:00 am to 4:30 pm CST or by email at [redacted].
 
Sincerely,
 
 
 
Robert *. M[redacted]
Vice President
 
Cc:       [redacted]
            [redacted]
            [redacted]  [redacted]