Geico Corporation

May 6, 2014
Dear [redacted]:Thank you for your May 2, 2014 follow-up inquiry.We apologize for any confusion regarding our previous response to **. [redacted]. As we outlined, we feel we exhausted all efforts to recover her deductible. Our records indicate **. [redacted] was advised her file was closed by her file handler, [redacted], on July 20, 2012.The file was placed with three separate collection agencies that were all unsuccessful in recovering money from **. [redacted]. While **. [redacted]s parents may have been aware their daughter was driving without insurance, she was not a minor at the time of the accident, so we are unable to pursue them for recovery. Since there was no police report filed for this incident, we are unable to request a license suspension for **. [redacted]s negligence in this accident,While it is unlikely we will be able to recover the money owed to **. [redacted], in an effort to resolve this matter, we will agree to reimburse her $1,000.00 deductible. We hope this resolution is to **. [redacted]s satisfaction, and we apologize for any miscommunication regarding the handling of her claim.Should you have any further questions, please contact [redacted], Payment Recovery Manager, at ###-###-####.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: [redacted]
I am rejecting this response because:
I want them to issue a credit of 213.05 to my credit card company.
Regards,
[redacted]

Roman"> 
May 22, 2014
 
[redacted]
Revdex.com
1411 K. Street NW, 10th Floor
Washington, D.C.  20005-3404
 
Re:       File Number:               [redacted]
Policy Number:           [redacted]
Complainant:               [redacted]
 
[redacted]:
 
This is in response to your May 18, 2014 correspondence,
 
On April 24, 2014, we mailed **. [redacted] a notice of cancellation post office receipt secured to be effective May 5, 2014.  Payment was not received and the policy cancelled for non-payment of premium.  We understand there are times when situations arise that prevent our customers from making their payments by the due date. 
 
On May 13, 2014, **. [redacted] called and made a payment and her policy was reissued effective May 14, 2014 to November 14, 2014.  When a policy is reissued, the six month premium can change because we re-evaluate the risk to ensure that the correct rates are assigned.   We understand **. [redacted]’s concern over the increase in her rates from $437.90 to $560.40 and apologize for any inconvenience the increase may cause.
 
If additional information is needed to close your file, please contact [redacted] at ###-###-#### or [redacted].
 
Sincerely,
 
 
[redacted]
Regional Vice President

August 11, 2014Dear [redacted]: Thank you for your letter of July 31, 2014.This complaint arises from a loss that took place on June 10, 2014 involving [redacted]'s 2007 [redacted] reported this loss to us on June 11, 2014. He reported that his vehicle was...

parked and unoccupied when it was struck in the rear bumper. [redacted] advised that his bumper was dislodged from his vehicle, and he had the bumper in his back seat. We advised him that he did not carry Collision or Uninsured Motorist Property Damage Coverage on his policy. [redacted] disputed that fact and the claim was reassigned to an adjuster to review this dispute further. After further review, we reaffirmed to [redacted] that he never had Collision or Uninsured Motorist Property Damage coverage on his vehicle.[redacted] then advised he thought his vehicle was vandalized. We immediately told [redacted] we would have an auto damage adjuster review the damages and write an estimate to verify there was vandalism. [redacted] explained that he received a call that his vehicle was not where he parked it but was found around the corner from the place he last saw the vehicle. [redacted] indicated that the police advised him it looked like someone took a joyride in his vehicle and that the bumper was in the back seat of [redacted]'s vehicle. We explained to [redacted] that a police report would be required to support his claim that this should be handled as a theft claim. As part of our investigation, we completed an estimate and pictures, Our inspection on June 13, 2014 found no theft-related damages to his vehicle.
On June 20, 2014, [redacted] was again advised that in order to move forward handling his claim as a theft, he would need to provide a theft report from the police department. [redacted] asked if we would order and we explained we can do so but could take longer for the police department to provide us with a copy. He agreed to obtain the police report and send in for review. We spoke with the [redacted] Police Department on July 8th to get a status on the police report being sent and they advised it would be 6 weeks before it would be sent to us. To date the police report has still not been received.
Regarding [redacted]'s need for a rental vehicle, he was advised on two separate occasions that he does carry Rental Reimbursement coverage. We explained to him that he could get the GEICO approved rate from Enterprise if he chooses to rent a vehicle from them, but the rental expenses would have to be paid by him. We explained that if we were later able to verify his claim that his vehicle was stolen, we would reimburse him up to 30 days of rental expenses.
We had a field investigator meet with [redacted] to further review the claim and view the damages to his vehicle in an effort to resolve this claim. The field investigator confirmed there were no theft related damages to [redacted]'s vehicle. The damages appear to be due to an obvious collision. We advised [redacted] again that based on the information received at this point, it appears the damages were the result of a collision loss, and that we cannot make payment for the damages because he does not have collision coverage.
We apologize for the inconvenience this loss may have caused [redacted]. Our goal is to handle all claims for our customers as timely as possible, but there is no evidence to support [redacted]'s claim that his vehicle was damaged while stolen.Please contact Clay S[redacted], Claims Manager, at ###-###-#### if you have any additional questions,Sincerely,Suzanne W[redacted] Assistant Vice President

[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. 
Regards,
[redacted]
I'd also like to add, that despite the many messages, voice mails, and e-mails sent, there was no response to our claim until the Revdex.com was contacted. I'll be reviewing my insurance provider in the near future. 
Sincerely, 
    [redacted]

August 8, 2014
Dear [redacted]:Thank you for your August 7, 2014 e-mail regarding [redacted]’s complaint. Mr. N[redacted] asked that I respond on his behalf and I welcome the opportunity.GEICO’s standard business practice is to not knowingly sell a policy to someone who owes us earned...

premium on a previous policy unless we collect the earned premium. [redacted] owed us earned premium and he approved the payment of the earned premium at the time he purchased the new policy via the internet. We do not collect a premium of any type without providing a full explanation or without the consent of the person making the payment. It was [redacted]’s responsibility to thoroughly read the documents we provided on the internet prior to signing them. He had the option of closing out of the application, not paying the earned premium, and thereby, not purchasing the new policy.GEICO does not use false premise or trick anyone into paying any type of premiums. [redacted] can call our twenty-four hour Customer Service Department at ###-###-#### to get copies of previous billing and cancellation notice(s) we mailed to him regarding the money he owed for coverage we provided him.I hope this information has been helpful. Please contact my associate, Mel D[redacted], at ###-###-####, extension [redacted], if you have further questions regarding this matter.Sincerely,Carole *. C[redacted] Policyholder Relations Supervisor GEICO Insurance Companies

[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 have a right to check quotes on line to see if any rate work for me, I don't remember that I was checking quotes 5 time as Geico states, as I check different companies. Thing is when I called and talk I was asking insurance for 2 drivers- over wise why I would give the representative my daughter full info- and 2 cars.Also geico didn't contact me, I did! After I received letter from my bank- car lien holder
Company did call me and offer 10.00 off my monthly payment- after they raised it by 250.00,per month, and want me to spend for it 85.00 and spend my time -4 hrs-to take a online course!!! Things now are:I cannot get any good quote now as everybody asking how long I'm with this company and when they hear that only 2 months , they give a higher price.So, as of now I'm stack with them.I also received from them 5 e-mails , 2 min apart , all with different quotes this past week, and I didn't ask them for it. I did adjust my current policy via on line account for payments. This is very upsetting and ridiculous. Company should be fine by government for dishonesty and business practice like this
Regards,
[redacted]

March 6, 2014
11pt;">
Revdex.com OF METROPOLITAN WASHINGTON DC
         AND EASTERN PENNSYLVANIA                 
1411 K ST. NW
, 10TH FLOOR            
WASHINGTON DC  20005-3404
ATTN: [redacted]
            
Re: Policy Number: [redacted]
            ID Number: [redacted]
        Re: [redacted]
Dear **. [redacted]:   
This is in response to your email of February 24, 20114, addressed to Tony Nicely of GEICO.  Your letter has been referred to me for response as the Emergency Road Service Department is my responsibility.  
Our records show that on February 21, 2014 **. [redacted] called to request assistance with a lockout.  The call for assistance was at 8:23 pm (EST).  We immediately dispatched [redacted] who gave an estimated time of arrival (ETA) of 9:18 pm (EST).  We were not aware that they were late until **. [redacted] called at 10:23 pm (EST).  We then began searching for another provider that could get to her quickly. At 10:38 pm (EST) we dispatched [redacted] to her location.  We called **. [redacted] to advise her that they were on the way.  At that time, she advised us that the service was no longer needed since the Fire Department had unlocked her vehicle. 
If **. [redacted] was charged for the service by the Fire Department, all she has to do is furnish us with a copy of the paid receipt for service and we will be more than happy to reimburse her.  We cannot provide reimbursement for $495.00, her entire six month premium for her Automobile Insurance Policy. 
**. [redacted] has been insured with GEICO for ten years, which we deeply appreciate,  In that time, she has used her Emergency Road Service a few more times.  We took the liberty of reviewing those dispatches, and it appears that they were all handled promptly.  We sincerely apologize for the difficulties for this particular service and assure you that this is not the standard of service normally provided.  This incident has been referred to our field manager in her area.  The field manager is responsible for monitoring and maintaining provider contracts and handling provider complaints.
 
We trust that this information is sufficient to allow you to close out this complaint.  If you have any additional questions or concerns regarding this issue, please feel free to give me a call at ###-###-####, ext. [redacted].
Sincerely,  
[redacted]
Customer Advocate
Centralized Services

March 10, 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 $665.93 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.
However, the $665.93 payment processed on 02/24/24 for the remaining amount due on the prior policy was returned from your bank on 03/03/14, so this amount will once again be due on that account unless you are able to provide verification this debt was included in your bankruptcy.
**. [redacted], I hope this information is helpful. If you have additional questions, please call our analyst, [redacted], at ###-###-####, extension [redacted].
Sincerely,

July 14, 2014
Dear [redacted],Thank you for referring the complaint from [redacted]. GEICO received a vague report on line that indicated that our policyholder, [redacted] rear ended another vehicle. The lengthy complaint seems to confirm that is what occurred but it doesn’t clearly...

state that. When an insurance carrier gets a report that indicates a third party claimant is involved, the insurer has an affirmative responsibility to investigate and if appropriate pay anything owed as a result of the accident. Part of a proper investigation includes speaking with the drivers of both vehicles to determine what occurred, verify whether there were damages and rule out any injury. A power of attorney does not allow another individual to respond to this part of the investigation.The complaint further goes on to note that they only contacted GEICO to get a list of authorized GEICO collision centers on Oahu. GEICO does not have such list as each customer is able to select the repair shop they would like to do the work. GEICO does have a list of repair shops on Oahu that we work with extensively to the point that GEICO will guarantee their work on any GEICO claim repair. The list does populate when a claim is established but there is no process to provide any list as requested by [redacted].As it turned out, the owner of the other vehicle also did not respond to our letters and never filed a claim for damage. How any other insurer would treat this in rating is not something that GEICO is knowledgeable about or responsible for. There will be no surcharge to the GEICO policy for this claim unless the owner comes forward with either a property damage or injury claim and we end up making a payout. [redacted] is incorrect that there is a difference between a claim that the entire insurance world sees and a notification of an accident under our policy terms. GEICO disagrees; as noted above we are responsible to do an investigation of anything we are made aware of. In this case, the examiner repeatedly tried to contact both drivers but for some reason, neither one was responsive. Since we got no indication that the other driver would be filing a claim for either property damage or injury, the Supervisor made an exception to the requirement for a statement from our insured driver and authorized issuance of the collision payment to our insured. It is unclear why Andre is now complaining about that.Another portion of the complaint is related to GEICO then raised our insurance rates. I do not understand the basis for this. The policy started in November 2013 and the six month premium was $450.20. When it renewed in May, the premium dropped to $427.90.In summary, I do not agree with the allegation that GEICO’s handling was improper. GEICO followed fair claims practices and they are meant for the protection of our insured. This whole process would have been easier and faster if the insured had followed his contractual responsibility to report what occurred and cooperated with the examiner’s efforts to complete GEICO’s responsibilities under fair claims practices.Please let me know if you have any further questions.Sincerely,Timothy *. D[redacted], CPCU

[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 as Answered]
 Complaint: 11800943
I am rejecting this response because:
Both vehicles were absolutely not established in the intersection at the time of the accident. The photograph submitted contains more than enough evidence to this, including, but not limited to:
-There is 0 front impact damage to my car. For The front of the other car to hit the side of my car, when I was driving straight across the intersection, my car would have had to have been GREATER THAN 50% across the intersection, while the other driver WAS ENTERTING (0% established).
- Because of the high rate of speed of the other driver at impact, their vehicle continued forward, rotating my vehicle 45 degrees. This is clearly obvious from the damage to the other drivers bumper. After they hit the side of my car, BEHIND THE HEADLIGHT, they continued forward, pulling off my bumper, scraping it across theirs as their car continued forward while mine was stopped.
-The alignment of my car vs the alignment of my tires. This is the result of being struck and pushed by a moving vehicle. 
As these details continue to be ignored I have no choice but to escalate this to a legal decision in small claims court.
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:
Of course your agent did not disclose that you were required to apply a short rate fee when cancelling the service. That may have played a difference in the outcome. I will pursue this with the Attorney General. Because you should have the taped recording of your representative advising of the steps to take to cancel my service. Also when the request was made online, your response team mentioned nothing of the sort. You're defrauding customer and I will file a complaint about Geico not advising of this until AFTER a cancellation. The pure fact that your agents refused to answer my question about the billing cycle is just cause as to WHY you are refusing to disclose this until AFTER the cancellation.
This is not the end of this and I will NOT pay Geico any more than what is owed. I welcome you to do the right thing, since it was your companies failure to disclose IMPORTANT information, and DID NOT!
Regards,
[redacted]

Complaint ID: [redacted]
Heather M[redacted] Assistant Vice President
December 16, 2015
[redacted]
Revdex.com 1411 K. Street NW, 10" Floor Washington, D.C. 20005-3404
Re: Complaint ID: [redacted]
Dear Ms. [redacted],
We received your...

correspondence dated December 2, 2015. We have not included any personal identifying information in our response, We have contacted our insured and discussed his concerns.Our insured established their automobile policy May 23, 2014, and elected Recurring Credit/Debit Card, (RCC) as their payment option. With this method, our insured’s payments are scheduled to be automatically withdrawn from their credit or debit card. However, our insured has been using a bill payer service to submit payments in advance, which prevents the automatic withdrawal as long as the payments are submitted more than three days in advance of when they are scheduled.
On November 23, 2015, our insured made a payment of $280.09 through a bill payer service. Unfortunately, this payment was processed on the same day the regularly scheduled payment of $90.73 was withdrawn and therefore this payment was not prevented from occurring. Our insured requested that we reimburse the $90.73 however, in order to process a refund; we must first confirm that the payment has cleared our insured’s account. We attempted obtain confirmation from the bank, however our request was denied. We discussed with our insured the option of providing us with a copy of his bank statement showing that the payment cleared, which he unfortunately declined to do. After waiting seven business days to ensure the payment would not be returned, we processed a refund of $90.73 directly back to his bank account.
We trust that this information is sufficient to allow you to close your file. If you have any additional questions or concerns regarding this issue, please feel free to call my associate, Barbara C[redacted], at ###-###-####, ext. 1271.
Heather M[redacted]
Assistant Vice President, Underwriting
Government Employees Insurance Company
Regional Office - [redacted] is Macon, GA 31295-0001 m ###-###-####

June 9, 2014
0pt" class="MsoNormal"> 
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 Dallas, TX Regional Office for a reply.
 
On September 26, 2013, GEICO mailed **. [redacted]’s GEICO Indemnity automobile policy renewal effective October 30, 2013 at a six-month premium of $1,795.10 (copy enclosed).
 
On December 22, 2013, **. [redacted] spoke with a Customer Service Representative and requested a lower premium.  On December 23, 2013, **. [redacted] was mailed a GEICO Secure policy, effective December 23, 2013 through June 23, 2014, at a six-month premium of $1,101.47.  At **. [redacted]’s request, the revised policy did not include Rental Reimbursement coverage (copy enclosed).
 
On May 8, 2014, GEICO mailed **. [redacted]’s GEICO Secure automobile policy renewal effective June 23, 2014 through December 23, 2014 at a six-month premium of $1,011.91 (copy enclosed).
 
As a courtesy, we have honored **. [redacted]’s request to retroactively add the Rental Reimbursement coverage effective December 23, 2013.  **. [redacted] will receive revised paperwork and billing under separate cover reflecting the policy now includes Rental Reimbursement coverage.
 
If you need additional information please contact [redacted] by telephone at ###-###-#### from 8:00 am to 4:30 pm CST or by email at [redacted].
 
Sincerely,
 
 
 
[redacted]
Underwriting Manager
 
Enclosures
 
Cc:       [redacted]
            [redacted]
            [redacted]  [redacted]

Good Afternoon [redacted],I just left a message on the voicemail, as soon as I get the policy number I will send it to you. Have a wonderful day.

August 19, 2014

face="Times New Roman"> 
[redacted]
Revdex.com of Metro
Washington DC & Eastern Pennsylvania
1411 K St NW, 10th floor
Washington DC 20005-3404
 
RE:                             [redacted]
Insured:                       [redacted]
Retention Number:      [redacted]
NAIC:                        [redacted] - GEICO Choice
 
Dear [redacted]:
 
Thank you for your recent inquiry dated August 10, 2014. I welcome the opportunity to discuss [redacted]’s concern about the differences in her quote for automobile insurance.
 
The quote [redacted] received for $73.62 per month was based one reported at-fault accident occurring in August 2012.
 
GEICO, like most insurance companies, will request a copy of the driving record and claims history prior to binding a policy. We will obtain payment information prior to ordering these reports. If the applicant decides after the reports are obtained not to purchase the policy, the payment is not processed. This was the situation with [redacted].
 
[redacted] indicates in her letter that the premium increased due to accident that occurred four years ago. After careful review of the application, GEICO found the following additional information on [redacted]’s record:
 
·         February 14, 2011                   Accident
·         February 13, 2012                   Accident
·         February 21, 2012                   Accident
·         October 30, 2013                    Speeding Conviction (41mph in a 30 zone)
·         April 30, 2014                         Speeding Conviction (31mph in a 15 zone)
 
 
 
After evaluating the additional activity, the best rate available at this time is $711.21 for six months. The first payment will be $123.54. If [redacted] would like to establish the policy at this rate, she will need to contact our office at ###-###-####.
 
I hope this information will assist you in resolving this matter.  If additional information is required, please contact Terry B[redacted] at ###-###-#### or via email at [redacted]. 
 
Sincerely,
 
 
John *. L[redacted]
AVP Underwriting
 
cc: file

[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. 
 In the furture, when dealing with customers please do not lie about the timeline.  I have been deadling with this matter since March and just now geeting resolution.  I tolerated being placed on hold for up to 45 minutes without any resoltuion in addition to being told someone would return the call, which never happened until I file this complaint.  If you take money from people, please responmd to them when there is a questions regarding their hard earned money.
 
Regards, [redacted]

April 29, 2044
This is in response to your correspondence received in our Washington, D.C. Executive Offices. It was referred to the Dallas, TXRegional Office for a reply.On April , 2014, **. [redacted]' Electronic Funds Transfer Bill Notification was sent indicating a payment of 104.45 would...

be automatically deducted April 20, 2014 (copy enclosed). Later that day **. [redacted]' changed vehicles and coverage resulting in an increase of 34.09 to her policy,On April , 2014, **. [redacted]' GEICO automobile policy renewal effective May 11, 2014 through November 11, 2014 was mailed to her (copy enclosed). Enclosed was an Increased Extraction Notification Letter indicating the renewal payment of 167.98, which included the 34.09 amount due from the prior policy term, would be extracted on May 11, 2014 (copy enclosed).On April 20, 2014, the Electronic Funds Transfer payment of 104.45 was applied to the policy.On April 22, 2014, **. [redacted] changed coverages on her policy resulting in an increase and the Electronic Funds Transfer Bill Notification was sent indicating a payment of 180.57 would be automatically deducted on May 11, 2014 (copy enclosed).The policy records do not reflect **. [redacted]' conversation with a Service Representative on April 14, 2014 to disconnect the Electronic Funds Transfer or that **. [redacted] would call back on April 23, 2014 to reconnect the payment plan.Since GEICO's policy billing transaction summary tracks policy changes, GEICO Customer Service Representatives are not required to document each and every call. The April 14, 2014 transaction to disconnect **. [redacted]payment plan was not captured in the billing transaction summary.We have spoken with **. [redacted] and she forwarded a copy of her bank statement indicating the withdrawal of the GEICO payment caused the 35.00 banking fee that she incurred. We will reimburse her the fee and apologize for the inconvenience.If you need additional information please contact [redacted] by telephone at [redacted] extension [redacted] from 8:00 am to 4:30 pm CST or by email at [redacted].Sincefely,

They are as disorganized as a company can be. Unless you fit a profile that agrees with their systems, they can't help you. I really try to be a Geico customer, but they are just an awful company
After over 7 yrs with Geico I finally gave up on them. Geico is unable to keep a customer that has 2 cars in 2 different states. Their systems can't understand such thing. After going back and forth a million times, Geico splitting my policy, taking away my multiple car discount and many others, I gave up. They kept sending me letters to provide proof of residency in both states (which I am only a resident in one), and threatening to cancel my policy. For 6 months I explained to them that they split my policy and I was only a resident of VA with 1 car in VA and 1 car in NC. They then send me another cancelation notice due to "misrepresentation" because they can't read their notes that I tried everything I could to keep my cars noted where they are. I am tired and will pay more to have ANY other insurance now.

July 18, 2014
Dear **. [redacted],Thank you for referring the complaint from [redacted]. In reviewing the claim file, there are aspects of this claim that I find questionable, including the allegation that there is a problem with the engine and it is due to vandalism. **. [redacted] drove the...

vehicle to work even though they both acknowledged that it had been having problems starting. **. [redacted] worked at a gated estate with limited entry when the damage to the exterior was reportedly done. The vandalism would have had to have been done in daylight and easily visible. This would be highly irregular. Our investigation has turned up information that indicates that **. [redacted] and her Husband had been having domestic problems in recent weeks. In fact, when **. [redacted] drove the vehicle to the estate, her Husband, [redacted] called police to report the vehicle stolen.When **. [redacted] and the police arrived at the estate, a tow truck had to be called because the vehicle would not start. How a vehicle that was having starting problems and would not start has led to their conclusion that there was major vandalism involving the engine is highly questionable. We do not have a written analysis but it appears that there are numerous problems mechanical problems with the vehicle to include:• Vehicle needs a new battery• Oil supply pipe to turbo leaking•    Valve cover gasket leaking•    Oil filter housing gasket leaking.These types of problems are not uncommon with an 8 year old [redacted] with 70,000 miles on it. At any rate there was no vandalism that involved the engine. The effort to claim such calls in to question the merits of the entire claim presented.In any event, if [redacted] authorizes the dealership to do a tear down and the Dealer’s analysis concludes there is something wrong and likely engine damage due to an additive, we will re-open our investigation. If the vehicle leaves the dealership without such an analysis, we will deny any claim (now or future) for engine damage. It appears to me that GEICO’s handling has been appropriate up to this point and I do not see any further obligation owed unless we are provided with the dealer analysis.Please let me know if you have any further questions.Sincerely,