Geico Corporation

August 20, 2014Dear [redacted]:Thank you for your follow up letter of inquiry dated August 14, 2014.There does not appear to be any additional information included in [redacted]'s correspondence to you. Pursuant to our prior response [redacted] stated he did not want to file for the damages and did not believe a claim should have been set up. As per his policy contract with us, [redacted] is required to report all losses that occur.Sincerely,
David H
Assistant Vice President

Heather M[redacted]        
11pt;">  
Assistant Vice President    
 
 
 
November 21, 20165
  
 
[redacted]
Revdex.com
1411 K. Street NW, 10th Floor
Washington, D.C.  20005-3404
 
Re:         Complaint ID:                     [redacted]
 
Dear Ms. [redacted] 
 
We received your correspondence dated November 14, 2016.  We have not included any personal identifying information in our response, as you requested.
 
On November 5, 2016, our insured obtained a quote and purchased a policy online with a total premium of $649.39.  The policy was reviewed by our underwriting department, and a prior policy was found where our insured’s spouse was a driver. This policy listed driving activity that was not listed on the spouse’s motor vehicle report or claims history report reviewed when the policy was purchased. The policy was re-evaluated with the new activity, causing a change in the risk characteristics and company placement.  When this occurs, we cancel the current policy and send a Post Office Receipt Secure letter advising the policy will cancel.  This letter had a mailing date of November 14, 2016.  Once the letter is mailed to our insured, we attempt to contact them by telephone to review the information and, if possible, offer a replacement policy.
 
On November 14, 2016, our insureds attempted to log into their policy online prior to our attempting to contact them for acceptance in the new company. They were unable review the policy online and called at 12:27 AM and spoke with one of our customer service representatives.  At that time, there was no documentation from our Underwriting Department regarding the replacement policy.  Regrettably, we advised our insured we would not be able to offer a policy due to their driving records.  Our Underwriting Department spoke to our insured later that day, and offered to continue insurance in one of our other companies. However, our insured advised they had obtained a policy elsewhere.  The policy has been canceled for the same date, per their request. 
 
We have refunded our insureds for unused premiums in the amount of $72.39.  We regret this miscommunication occurred and are sorry for any inconvenience this may have caused.  We hope this information is sufficient to allow you to close your file.  If you have any further questions, please contact Joy K[redacted] at ###-###-#### or [redacted].      
 
Sincerely,
 
 
 
Heather M[redacted]
Assistant Vice President
Tell us why here...

[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:
Regards,
[redacted]

August 6, 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.
 
Upon further review of [redacted]’s complaint, we will credit one of [redacted]’s $35.00 bank fees, per his request, to his policy.
 
If you need additional information please contact Jerry M[redacted] by telephone at [redacted] extension [redacted] from 8:00 am to 4:30 pm CST or by email at [redacted].
 
Sincerely,
 
 
 
Patti K[redacted]
Underwriting Manager
 
Cc:       [redacted]          
            [redacted]
            [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:
Logically, if a vehicle hits another vehicle REGARDLESS of whether there is pre-existing damage or not, and that accident adds on additional damage and makes it worse, it doesn't make sense that it should not be covered. The accident made it worse. My vehicle was made worse by the semi-truck hitting the left side of my car going 60 mph. I lost control of my vehicle during the accident. I  couldn't even steer until moments later. How can any of the claims adjusters not see or understand that the truck hitting my car  made it worse. Its deductive reasoning. 
 
Lets think about this. The right side of my rear bumper was already damaged from a previous event. The left side of my rear bumper is where the truck hit my vehicle causing damage. When I took my car to Westside Collison,  I was told that they would not replace my bumper and that the left side would only be repaired. So I then took my car to another shop and that is when they advised that they would replace my entire bumper. Geico went ahead and replace my rear bumper even with the right side having pre-existing damage that initially Geico was not going to fix. Why is it that Geico now refuses to reimburse me for damage that the accident further caused? 
Regards,
**. [redacted]

March 19, 2014
Thank you for your letter of March 8,2014, regarding **. [redacted]’s claim.
In our desire to be fair in our decision, we are guided by all the information available to us, including reports from our insured, **. [redacted], and witnesses acquainted...

with the facts. Based on the information which we have about this accident, we believe this case involved comparative negligence by both parties. According to the witness, [redacted], our policyholder was traveling in the right lane heading eastbound on [redacted] was in the left lane traveling behind our insured and observed our insured put on his blinker and initiate a lane change. **. [redacted] stated that vehicle being driven by our insured was in the left lane and his trailer was in the process of completing the lane change when the accident occurred. He observed **. [redacted] pass our insured’s vehicle on the right and put on his blinker as our policyholder was in the process of executing the lane change. He stated he observed **. [redacted] speed up as he entered the left lane when the accident occurred. He stated **. [redacted] began blowing his horn at our insured. Both the witness and our insured state that **. [redacted] was attempting to go around our insured during the execution of his lane change.
According to **. [redacted], he was established in the left lane for 30-45 second when our insured attempted to change lanes into him. This is not supported by the witness statement. The police report ticketed our insured; however, our insured has indicated that he will be disputing the charge.
We advised **. [redacted] on February 27, 2014 of our decision of comparative negligence. Earlier that day, we advised [redacted] that we could not authorize the rental at that time. I have attached a copy of the police report for your review which indicates there is only one witness to this loss. If **. [redacted] has additional facts to support his position, we will take those into consideration.
If you have any questions, please feel free to contact [redacted], Liability Director, at ###-###-####, extension [redacted].
Very truly yours,

Jeremy C[redacted]

"Arial Narrow","sans-serif"; font-size: 12pt;">Assistant Vice President
 
 
 
December 1, 2016
 
Revdex.com of Metro Washington DC & Eastern Pennsylvania
1411 K St. NW, 10th Floor
Washington, DC 20005-3404
Attn: [redacted]
 
RE:      complaint id #:                         [redacted]                     
            Complainant:                           [redacted]
            Our Claim #:                            [redacted]                             
            Our Insured:                                    [redacted]      
            Loss Date:                                November 15, 2016                   
           
Dear Mr. [redacted],
 
Thank you for your letter of inquiry dated November 28, 2016.
 
This loss was reported to us on November 16, 2016 by our insured, Ms. [redacted]. Auto damage adjuster, Pat B[redacted], left several voicemail messages for Ms. [redacted] on November 22, 2016, November 23, 2016 and November 24, 2016. On November 25, 2016 Ms. [redacted] submitted an inquiry through GEICO.com indicating that her vehicle would be available for inspection. Mr. B[redacted] inspected her vehicle that day and completed an estimate which was under her $500 deductible. Mr. B[redacted] left a voice message for Ms. [redacted] and emailed her a copy of the estimate to the address on file.  On November 26, 2016 Ms. [redacted] sent in another inquiry though our website stating that she had a tow invoice of $183.10. Payment was issued to Ms. [redacted] on November 28, 2016.
 
Ms. [redacted] also stated that she is seeking reimbursement for the child seat that was in the vehicle at the time of loss.  Once we receive the receipt for the replacement car seat, we will be happy to review for reimbursement. 
 
If any additional information is needed please contact Jenna W[redacted], Consumer Relations Administrator at ###-###-#### or [redacted].
 
Sincerely,
 
 
Jeremy C[redacted]
Assistant Vice President

[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 never in an accident, and I have never had a lapse in coverage except for when GEICO canceled my policy prematurely. 
Regards,
[redacted]

---------- Forwarded message ----------From: [redacted] <[redacted]>Date: Thu, Apr 3, 2014 at 1:20 PMSubject: Identification # [redacted]To: [redacted],
with reference to our phone conversation of today, here is a status update on the above case:
Presently, my insurance coverage with [redacted] is still cancelled, as I was unable to comply with the companies request of painting the roof of my home due to cold weather. I have been told that once all the issues are resolved I can ask to be reinstated. Since the weather still does not allow us to paint, we will have to wait to comply and then I expect to be reinstated. Should this for any reason not happen, meaning the company refuses to insure us, it will be even more difficult to get insurance due to the lapse of insurance since March 10th.
Thank you for your time.
Sincerely,
 
[redacted]

August 6, 2014

class="InsideAddress"> 
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 July 31, 2014, addressed to Tony N[redacted] of GEICO.  Your letter has been referred to me for response as the Accounts Receivable Department is my responsibility.  
 
Our records show that [redacted] has been insured with GEICO since September 22, 2012.  She chose the recurring credit/debit card method of payment.  Since inception, her monthly premium installments have always been due on the 22nd of each month.  On June 13, 2014 she requested that we postpone the withdrawal of $158.13 until June 28, 2014, which we agreed to do.  However, since this was not her first request for an extension we removed her from the recurring credit/debit card method of payment and placed her account on a direct invoice payment schedule.  On June 30, 2014 we had not yet received a payment.  A cancellation notice for this amount was sent to be effective July 14, 2014.  On July 11, 2014, [redacted] made a payment in the amount of $158.13 over the phone using her [redacted] ending in ([redacted]).  The cancellation notice was rescinded, and her account was placed back on the recurring credit/debit card method of payment. 
 
When [redacted]’s July 22, 2014 payment was due, she again asked for an extension to July 29, 2014, which we granted.  A payment in the amount of $158.13 was withdrawn on July 29, 2014.  On July 30, 2014 she asked that the July 11, 2014 payment be credited back to the source, her [redacted] ending in ([redacted]).  We processed the transaction as requested.  Once it is processed, GEICO has no control over how long it takes her financial institution to credit her account.  In our experience, due to volumes, the larger the financial institution, the longer it takes the credit to be processed.
 
As a result of never receiving a valid payment for the month of June, [redacted]’s account is now in a negative equity status.  A replacement payment of $158.13 is now due.       
 
We trust that this information is sufficient in order 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,  
 
Barbara C[redacted]
Customer Advocate

July 30, 2014
MARGIN: 0in 0in 0pt" class="MsoNoSpacing"> 
[redacted]
Revdex.com
1411 K ST NW 10TH FLOOR
WASHINGTON DC 20005-3404
 
 
Regarding:  [redacted]
Policy No:  [redacted]
ID No:  [redacted]
 
Dear [redacted]:
 
We received your letter regarding the cancellation of [redacted]’s auto policy.
 
[redacted]’s policy was set up on Electronic Funds Transfer (EFT).  His monthly extraction was scheduled to occur on May 2, 2014.  This was the last payment due for policy period effective December 2, 2013 until June 2, 2014.  The payment that was processed on May 2, 2014 was returned by [redacted]’s bank and resubmitted two days later.  On May 12, 2014 we were notified that the payment was returned for insufficient funds.  The payment was eventually received and posted to the policy on May 16, 2014.  Since this was not the first time this year that one of [redacted]’s payments was returned, his policy was placed on a payment restriction from checks, removed from EFT and placed on Direct Invoice.  Notification of this change was mailed to him on May 17, 2014. 
 
[redacted]’s policy renewal was processed and mailed on April 28, 2014 for the renewal effective June 2, 2014.   Since the policy was placed on Direct Invoice prior to the renewal date effective June 2, 2014, a renewal bill and updated schedule of payments was mailed.  The first installment bill was mailed on May 18, 2014 and reflected a due date of June 2, 2014.  When his payment was not received by the renewal date, a cancellation notice was mailed the next day.  The cancellation notice informed [redacted] that he had until June 19, 2014 to submit his payment.  The payment was not received and as a result the policy cancelled in accordance to this notice.  We have attached a copy of the EFT notification, installment bill and cancellation notice.
 
On June 28, 2014 we were notified that [redacted] had been involved in a single car loss.  [redacted] was informed that due to the fact his policy had cancelled prior to the loss we would be unable to extend coverage to his vehicle.  We regret we do not have a more favorable response for [redacted] at this time.
 
If you need additional assistance regarding this matter, please contact Kim G[redacted], at ###-###-####, extension [redacted].
 
Sincerely,
 
Joseph * T[redacted]
Virginia Beach Regional Office
GEICO Indemnity Insurance Company

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.

August 13, 2014Dear [redacted]:Thank you for your letter of inquiry dated August 4, 2014.This loss was reported to us on July 18, 2014 by our insured [redacted] reported that a truck hit the front right side of his vehicle, damaging the front bumper...

and cracking the light. [redacted] stated that the truck did not stop.On July 23, 2014, we spoke to [redacted]. He initially thought the damage occurred as a result of truck hitting his vehicle. After speaking with his wife he confirmed that as she was exiting out of their garage she scrapped the car causing the damage. [redacted] stated he did not want to file for the damages and did not believe a claim should have been set up. As per his policy contract with us, [redacted] is required to report all losses that occur.Upon receipt of this complaint, Supervisor Angela Z[redacted] spoke with [redacted] on August 8, 2014 in attempts to discuss the claim. [redacted] did not want to speak to us and wanted us to respond to the Revdex.com complaint.Sincerely,
David H
Assistant Vice President

July 23, 2014
 
Revdex.com
Attn: Anita Horne
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.
 
In reference to our response dated July 21, 2014, the decision to deny [redacted]s’s bank fee reimbursement has been reviewed and we will reimburse his $30.00 bank fee.
 
We trust this information will allow you to close your file. 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,
 
 
 
Greg J[redacted]
Assistant Vice President
 
Enclosures
 
Cc:       [redacted]
            [redacted]
            [redacted], **  [redacted]

My complaint is against Geico and their service provided during my auto claim process. After an auto accident, Geico recommended an Auto Collision shop. I agreed with their recommendation. My was in care of the autoshop for over 6 weeks. At four weeks, I reached out to the Collison shop to find out the process of the repair and get an date that my car would be ready. This is something that I should not have had to follow-up on, this is the job of the claims adjuster John M[redacted] in Macon, GA. The adjuster never reached out to me besides the initial greeting and to explain the estimate. According to Geico ARX Customer Promise, I was supposed to receive 1) calls from Geico Adjuster to keep me informed of my vehicle repair 2)Confidence knowing that my vehicle will be checked for repair quality, 3) Satisfaction with a timely, quality repair. Those were never provided. I was also, given several dates that my vehicle would be completely repaired and neither date and time were accurate. Geico did not initially pay for my 30 day rental, the rental company contacted me for additional payments on the 30th day. Geico had only approved 24 days, but the adjuster stated that 30 days were approved. I then called the adjuster to requested that he approve payment for the additional 6 days. I should have been notified that my vehicle would need longer to repair. I could have prepared better for the additional costs of the rental that I needed for an additional 2 weeks. This was an headache with the calling back and forth to collision shop and Geico. Lastly, the collison shop treated me as if they were doing me a favor in repairing my vehicle. After expressing the urgency of repairing my vehicle and the untimely repair, the collison shop Absoulute Autobody in McDonough, GA showed no concern and basically stated that they would get to it when they could.

[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 had sent an email via their online system on 7/31 providing the EXACT same information I put into the Revdex.com complaint, but was told since they didn't have that email address on file, they would not accept it.The email address on file is an internal Geico policy and has nothing to due with the GA statute.  If I have provided to the business via their online system all the pertinent account information (the same they use to verify me over the phone), the fact that the email address is not on file is moot.  I do NOT need to have an email address on file with Geico to prove I'm me.  Obviously if they accepted it via the Revdex.com, they COULD have accepted it from me.  The effective date of the cancellation should be 7/31 not 8/1.
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 provided by business only repeats the same claims made in their initial response without any evidence or supporting facts. Generally claiming that the repair cost of a 2011 model vehicle has suddenly been determined to be 10% higher in 2014 is a rootless and disturbingly ridiculous claim. The same goes for the claim that repair costs in TX have gone up by 10% in less than a month. 
I would like to remind you that my rate was evaluated on June 31 entirely and determined. A sudden increase just 2 months after does not make sense. 
I would like my rate to return back to what I was quoted on June 31, or to a meaningful and reasonable vicinity of that number. 
Regards,
[redacted]

After getting our quote and starting our policy with Geico for 169.00 month with our payments being withdrawn on the 1st of each month the customer service representive told us everything was set up and we were good to go. Then after a week of waiting and still seeing that Geico did not withdraw from are bank account (and we had the funds to do so) I decided to give them a call. That representive told us that Geico tried to take the amount due out of our account BEFORE the 1st and due to insufincent funds the policy was cancelled. NO EMAIL WAS RECIEVED INFORMING US OF THIS. We also made it clear to the person who set up our account that we get paid the 1st (we are military) and to make sure payments were set up that way. I spoke to a supervisor about the situation and she did NOT care at all about the fact that we have not only been driving around without insurence but that Geico failed to inform us we weren't covered and that the payment didn't go through. And on top of that we were no longer going to get the price we were quoted for, it went up to 189 a month due to the fact we had no coverage for serveral days which was NOT OUR FAULT AND WE HAD NO CLUE. She did not seem sincere about the situation and just wanted to know if I was gonna pay the 189 or not. I am shocked for how this was handled since Geico is supposed to be once of the best companies around.

May 19, 2014Dear [redacted]:This will acknowledge receipt of your May 18, 2014 inquiry regarding the above referenced private passenger automobile insurance policy.On January , 2014 a notice of cancellation for nonpayment of premium was mailed to the address on file indicating a...

cancellation date of January 24, 2014 because GEICO did not receive a past due premium installment payment of $444.42 by its January , 2014 due date. The policy was subsequently cancelled for nonpayment of premium on January 24, 2014 since the minimum required payment was not received by the indicated cancellation date. The cancellation also resulted in an outstanding earned premium balance of 262.50 since the policy was not paid up to the January 24, 2014 cancellation date. Enclosed are copies of the premium installment bill, the notice of cancellation, and its proof of mailing.On January 28, 2014 an earned premium bill was sent to the named insured indicating that the above policy was cancelled on January 24, 2014 and that an outstanding balance of 262.50 was due on the cancelled policy for coverage our company provided to the stated cancellation date. Enclosed is a copy of the earned premium bill dated January 28, 2014.On January 28, 2014 the named insured contacted GEICO via telephone to indicate that new coverage was obtained with another carrier effective January 14, 2014. Accordingly, the policy cancellation date was backdated to January 14, 2014, which resulted in a revised outstanding earned premium balance of 117.50 since the policy was not paid up to the January 14, 2014 cancellation date. A revised earned premium bill was subsequently sent to the named insured on January 31, 2014 indicating that the above policy was cancelled effective January 14, 2014 and that an outstanding balance of 117.50 was due on the cancelled policy for coverage our company provided to the stated cancellation date. There is no indication in the policy records that the insured previously requested to cancel the policy effective January 7, 2014. Enclosed is a copy of the revised earned premium bill dated January 31, 2014.Since there appears to be no valid complaint against GEICO, we ask that this be removed from our record.

July 28, 2014
windowtext; mso-no-proof: yes">Dear [redacted],We received your correspondence dated July 22, 2014, regarding the above-noted Consumer. We have not included any personal identifying information in our response as you requested. We attempted to contact our Insured via telephone; however, we were unsuccessful.
On July 20, 2014, our Insured submitted an online quote request to add her 17-year old daughter to her policy. In her request, our Insured indicated that her daughter lived at our Insured’s residence and had an active driver’s license. Our Insured’s policy is a family automobile policy that provides coverage for resident relatives. As a result, we consider family members in our underwriting and rating process. Since we are responsible for providing coverage for our Insured’s resident relatives, we added her daughter to the policy effective July 21, 2014. Our policy contract states that we may adjust the policy premiums during a policy term if any of the information on which the premiums are based is incorrect, incomplete, or changed.
Our Insured subsequently submitted an online request to remove her daughter from the policy on July 20, 2014. When an insured requests the removal of a youthful resident relative, we request proof of other insurance prior to removing the driver from the policy. On July 21, 2014, our Insured cancelled her policy effective July 23, 2014.
We regret that our Insured cancelled her policy, and that we were unable to remove our Insured’s daughter without proof of other insurance. We trust this information is sufficient to allow you to close your file. Please call Jaime B[redacted], Customer Service Director, at ###-###-####, if you have any further questions.Sincerely,
George *. R[redacted] Regional Vice President