Geico Corporation

Review: I purchased a vehicle at a dealership with a lending company owning my car until it is paid off. I had my step dad co-sign as I am a young adult. In the state of Pennsylvania a car with a lean must have full coverage to protect the interest of the lean holder. Anywho I got in an accident when I got the car at that point I was on geico's temp insurance and they paid for everything that was fine. From what geico is saying in that month of repairs it's my responsibility to bring the car to geico after the repairs are done. Geico selected the location and expected me to take it to them after it was fixed to continue my full coverage. They had me as liability only and winter has just come to pennsylvania and as I was coming home from school it started freezing rain and the car couldn't stay straight on the road to get home I got into an accident called geico expecting to have full coverage since my car has a lean and isn't really mine yet. One month later from the accident my car is still at a wrecking yard idk what they did to it but I'm missing school and I'm a veteran so I receive bah for going to school so now I lose money and am out a car so now I have to pay off a loan for a car I can't do anything with when it should've been covered. I asked if they could back date this being as though geico is in the wrong for with holding coverage because they didn't have someone from geico set it back up the way it was when I first had the policy. This way my car repairs would be covered but no geico refuses to help me get my car back on the road. I sent geico all the information on the repairs I could dig up via email from the repair shop they said that was not good and a geico agent had to see the previous repair was resolved. Ask anyone here if a repair shop calls you and says your car is finished you generally pick it up and go about your business and just throw money at the insurance company monthly. Another thing is geico never called me personally to see if my car could be inspected but the repair shop had my number the only mail I got regarding inspection was something for my lifetime engine warranty but that's a different story. And all cars repaired get a service record so idk why geico would need an inspection that's a licensed mechanics job. What geico has told me by their actions is that a repair shop has no say in whether a car has been properly repaired a geico agent with zero mechanic accredations has more say in my car actually being repair then a mechanic who went to school to legally repair cars. I pay for service insurance to get my car maintained and I pay geico for when I get in accidents to cover my losses. Regardless I believe geico is very much in the wrong and our guilty of with holding coverage from meDesired Settlement: Geico clai** responsibility for with holding coverage back dates my insurance and repairs my vehicle as it should have been done a month ago. I am more than willing to pay a 500$ deductible out of pocket to have this repAired and my coverage returned to full coverage including collision and I will pay the monthly cost and continue to conduct business as usual

Business

Response:

December 31, 2013

Dear **. [redacted]:

Thank you for your December 23, 2013 e-mail regarding [redacted]’s complaint. **. [redacted] asked that I respond on his behalf and I welcome the opportunity.

After further review of **. [redacted]’s policy, we have made a business decision to honor his request and provide coverage for his 11/26/13 accident. My associate, [redacted], spoke to **. [redacted] and told him of our decision. He was very happy with this outcome.

I hope this information has been helpful. Please contact **. [redacted], at ###-###-####, extension [redacted], if you have further questions regarding this matter.

Sincerely,

Review: This failure extended to this day, and no 'supervisor' has even called me back to address my 'request' concerning my claim (see Attached document).Desired Settlement: Greetings and Salutations.

I am a loyal customer of GEICO Insurance now going on for nearly 10 years. Unfortunately, when in need of their help in a respectable manner, I get the run around, for hours and hours. I said enough is enough!

On Wednesday. July 24th. between 2-5:30 pm. I contacted Geico's Claim Dept, to inquire within regarding a recent vehicular claim. What usually takes no more than 5' minutes today lasted more than 3 hours and half. I know because the previous Monday I had initiated a similar call and inquiry... five minutes but no more!

I proceeded to request to speak with a 'supervisor' which on this unfortunate day, made for a dark comedy! One 'supervisor' after another—please see above names, and most specially, [redacted], and **, [redacted], who unlike anyone I've ever dealt with, sounded like the dumbest characters/actors ever! Not only were they experts in interrupting/talking over me, making this loyal customer feel like an ignorant fool, BUT THEY’D ASKED THE MOST SENSELESS and IRRELEVANT QUESTIONS 1

For the record, my simple request, was not fully or sufficiently taken care of. **. [redacted] Agreed to Help—that my request can be taken care of, BUT the other two ladies, [redacted] and [redacted], insisted that I was wrong—mv request can not be honored, for my premise/knowledge of the law was wrong.

Suffice it to say, I am requesting the immediate addressing of my concerns AND some type of a compensation of sort for the many personal hours spent/wasted by the personnel of GEICO

INSURANCE. ALL FOR NAUGHT! All of the Above Happenings Demand a Significant Recompense on the part of GEICO INSURANCE to the benefit of this customer!!!!!

Sincerely yours,

Business

Response:

Revdex.com of Metro Washington DC & Eastern Pennsylvania 1411 K Street NW, 1 (T Floor Washington, DC 20005-3404

RE: File Number:

[redacted] July 6, 2013 [redacted]

Insured: Consumer: Claim Number: Date of Loss:

NAIC/Company:

Dear **. [redacted]:

Thank you for your letter of July 6, 2013, in regards to **. [redacted]’ claim.

Our records indicate the referenced claim was reported to GEICO General Insurance Company on July 17, 2013, at which time **. [redacted] was advised he was at fault for this loss, as he rear ended the other party involved.

We have made several attempts to contact the other party involved, both by phone and mail, to schedule repairs to their vehicle.

On July 24, 2013, **. [redacted] contacted the claims department and requested a copy of the contact letter that had been sent to the other party. **. [redacted] was advised that due to privacy laws, we are unable to release any contact information for the other party.

It appears the Metro Dade Police Department was on the scene and **. [redacted] would be able to obtain the police report since he was a party to the loss. We explained that the police report is public record and would provide him with all of the details of the loss and the parties involved.

On July 30, 2013, [redacted], liability claims supervisor, contacted **. [redacted] to further discuss his claim and concerns.

If you have any questions, please feel free to contact [redacted], Regional Liability Director, at ###-###-####, extension [redacted].

Consumer

Response:

[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]

Review: [redacted]

I am rejecting this response because:

I reported the claim AND provided all personal information [of the other person in ??]

I would never ask anyone to break any laws--specially personal privacy laws. [Geico staffs somehow felt the urgency to address the 'law!'

My simple request which was answered by 3 different agents/Spvrs in a "Clean" way without breaking any laws.

After many days of attempting to gather some helpful information regarding my case [before appearing in court] I found myself without any support, the very simple and easy support that GEICO 'owes' me.

GEICO 'owes' me, a loyal customer a simple, respectable and intelligent manner of handling my concerns regarding a vehicular claim.

I do have such a simple letter, after nearly 3 weeks!

therefore, in case **. [redacted] wishes to mention 'personal laws' and 'police department' He Needs to Take A Second Look at how fast GEICO takes my money!

**. [redacted] did call, saying "i am making a courtesy call... but you must call the claims' department." End of Call!

Am still very disappointed that GEICO in its best efforts to be 'professional' they have shown themselves to be "clinically cold and Humanly indifferent!"

Regards,

Business

Response:

Dear [redacted]:

Thank you for your letter of August 9, 2013, regarding **. [redacted]’s claim and giving us the opportunity to respond.

Our business practice at GEICO is to ensure that we are protecting the privacy of our customers and all parties involved in every claim that we handle.

**. [redacted] was advised that he could request a copy of the police report from the [redacted] Police Department since he was a party to the claim and that police reports are considered to be public record. However, in an effort to resolve this matter we are ordering the police report and we will provide a copy to **. [redacted].

If you have any questions, please feel free to contact [redacted], Liability Director, at ###-###-####, extension [redacted].

Consumer

Response:

[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]

Review: [redacted]

I am rejecting this response because:

Unfortunately. even though GEICO has one of the finest and most expedient website for loyal customers such as myself can go and shell out money for renewal.,,, BUT when it comes to inquiring or requesting simple things such as what I had over a period of 4 days and nearly a dozen so called supervisors, not one single logical, humane, decent or simply put, smart personnel who could make my day. Not a single GEICO personnel was found to know a darn thing! Expert at taking my money whilst smiling professionally--clinically inhumane!

As for the advice to go to request a copy from a police station , neither did they make such an "intelligent" suggestion nor was there ever a need! Ever! Hence the lack of common sense and intelligence!

BEWARE GEICO SCAM ALERT!!!
THEY WILL CALL YOU TO TRY TO GET YOU TO SWITCH IF YOU RECENTY BOUGHT A NEW OR USED CAR USING HIGH PRESSURE SALES TACTICS. ONCE SWITCHED THEY WILL TELL YOU THEY WILL CANCEL YOUR OTHER POLICY FOR YOU AND TAKE CARE OF EVERYTHING. NEXT THING YOU KNOW YOUR IN AN ACCIDENT YOU CALL THEM UP AND THEY TELL YOU "WERE SORRY WE DROPPED YOUR COLLISION AND COMREHENSIVE COVERAGE A MONTH AFTER YOU SWITCHED OVER TO US DUE TO A MINOR STIPULATION WE NEVER DID YOUR PHOTO ID INSPECTION WHOOOPS! AND WE NEVER CALLED YOU TO LET YOU KNOW OR ENDED YOUR COVERAGE SO YOU WOULD HAVE TO ACT ON THE MATTER, WE JUST KEPT YOU IN THE DARK ON OUR POLICY THROUGH SOME LOOPHOLE SO YOU WOULD THINK YOU STILL HAVE FULL COVERAGE WHEN YOU ACTUALLY DON'T HAVE ANY COLLISION OR COMPREHENSIVE AT ALL!! HAVE A NICE DAY SIR".... WOW TOTAL BS THEY INTENTIONALLY DONT CALL YOU AND HOPE YOU DONT FIND OUT THEY DROPPED YOUR COVERAGE AND COVER IT UP BY KEEPING YOU ON THEIR POLICY THROUGH SOME BS LOOPHOLE SO YOU CONTINUE PAYING MONTHLY BILLS TO MAKE YOU THINK YOURE STILL COVERED SOO WHEN THERES AN ACCIDENT THEY DONT HAVE TO PAY A DIME...PERFECT SCAM!! WATCH OUT THOUSANDS HAVE ALREADY BEEN SCAMMED!!!!

Review: Geico is trying to say they are billing me for an extended period of time of 2 weeks - I believe April 13, 2014 to April 30, 2014. Apparently, the cancellation date for April 13, 2014 and they extended my insurance for two additional weeks and charged me. I was told my cancellation date was April 30, 2014 and I sought out other insurance due to their poor customer service to begin with. They sent me a bill for $95.53 that I do not owe them. They never contacted me about these "two weeks". I would like them to adjust the bill to 0 balance, because that is all I owe.Desired Settlement: Just want a zero balance, I have a security clearance and can't have them going to collections on this matter.

Business

Response:

June 17, 2014

The service I received over the last month has been terrible. We had an accident, over a month ago; and to date my car still hasn't been fixed. It took them 3 weeks to advise us that they were covering the claim, but since then I've been given the run around. No one returns calls. The adjuster seems to think it's a joke, and is of no help. I've left messages for several supervisors, and no response. I am left with a car that needs repairing and no assistance from GEICO what so ever.

Review: For nearly a month Geico has said through its business arrangement with [redacted] that they would fix my windshield, fulfilling its part of my insurance contract. They have lied about when service men were supposed to be here and scheduled appointments. No one has followed up and I continue to have a cracked windshield. Customer service has been terrible. It makes me think that they are colluding with [redacted] against customers.Desired Settlement: Fix my windshield immediately at their expense.

Business

Response:

August 16, 2013

My wife, who has Geico Insurance, was rear ended by a driver that reported having Geico Insurance.The other driver was listed on the police report as at fault in the accident.
Geico refused to file a claim on the at fault drivers policy stating "We are currently investigating a coverage issue under Reservation of Rights that may or may not affect your claim. We recommend you file your damages with your own insurance carrier until we complete our investigation". They essentially implied that the other driver did not have valid coverage, and insisted that we file a claim on our own Geico Policy. Then, for several days, they gave us no answers, would not return our calls, and refused to provide us with the paperwork we needed (a denial of insurance letter) to have the claim processed under our own uninsured motorists policy.
Without the denial of insurance letter, they would not authorize and arrange for us to get a rental car, so we had to borrow our son's car, even though a rental car should have been authorized under our uninsured motorists policy. Every time we called, there was some excuse regarding why they could not get the paperwork completed and authorize our rental car.
It was the most frustrating experience I have ever had.I would strongly discourage anyone from doing business with Geico.

Review: I recently enrolled for a Geico auto insurance policy online. I was on the phone with a representative to make sure I would only be billed $74.57. A few days later an additional charge of $240.94 hit my account. I immediately called Geico. They said it was a past due amount from a policy that I had cancelled. At no time either online or on the phone did I see or authorize the charge of 240.94. When I informed them of this they said it would take them several days. All of the invoices I have received have also only shown 74.57. This was unauthorized. I was never informed nor did I ever authorize it in any way.Desired Settlement: I would like my money they were not authorized to take out redeposited into my account immediately as well as reimbursement for any negative overdraft charges incurred because of this unauthorized charge

Business

Response:

Attached is our response to Complaint ID [redacted]

Review: I am sending a message from Geico. I've a Lease car 2011. I got the Lease of a brand new car in February, 2012. I noticed that little by little my car insurance has been increasing prices. As the provider has direct access in my bank account as part of the regulations if I want to have an affordable prices. This way when the company wants to increase it my monthly payments they just go to my back acct. and take the funds. I started with monthly payment $115.00, right now the provider has increased more than $120. If I do not allow them to take funds directly from my bank account my premium goes up more than $150.00 per month. I'm excellent driver, zero accidents, my car is parked most of the time, and the mileage since I got the car I have just 12,200 miles. I understand if its a old car the policy should cost less, but Geico states that costs me more. This is its message Geico has sent me, after I complained.

Dear [redacted]:

Good afternoon! Thank you for your reply. We are sorry to hear you are not working at this time. We understand that you are concerned about the premium increase you experienced at your recent policy renewal. Previously, you were receiving the New Car Discount; this discount is for new vehicles that are less than three years of age (based on the manufacturing date for your vehicle).

This discount applies up until the renewal following that date your vehicle reaches three years old. Since your vehicle is now over three years old, the discount no longer applies. We reviewed your policy for any additional savings opportunities, and we noticed that you may be eligible to take advantage of the following discounts:

- Defensive Driver Discount: You are eligible for our Defensive Driver Discount. Simply visit geico.com/ddc and select the appropriate state to learn more. If an online course is completed, GEICO will be automatically notified, and we will add the discount to your policy. If the course is completed in a classroom, we will need to receive a copy of the course completion certificate. For your convenience, a copy of your course completion certificate can be faxed, emailed, or mailed in. We have included our fax number and address below for your convenience. Please make sure that your policy number is included on each page you send.

GEICO

ATTN: Region 8 Policy

PO Box 9506

Fredericksburg, VA 22403-9506

Email: [redacted]

Fax: ###-###-####Desired Settlement: To keep the monthly payments as Geico advised me since I hired them. To reimburse all the extra funds taking from my bank account.

Business

Response:

May 20, 2014Dear [redacted]:This will acknowledge receipt of your request regarding the above named insured’s private passenger automobile policy. I have carefully reviewed the matter and my findings are as follows:In [redacted]’s correspondence to your organization she expresses concern that GEICO has increased her premium upon renewal and extracts the funds directly from her bank account. She further explains that there is no reason for the increase and that GEICO will increase the monthly payments if the discontinues automated payments. She has requested that her payments return to the original monthly amount.GEICO’s records show that the policy was bound with a vehicle that was eligible for the new car discount. That discount was removed upon the renewal in question based upon GEICO’s filed definition of the discount in the rating rules filed with the state of Massachusetts. The increase in premium caused a small increase in the monthly premium payments. As noted in the “copied and pasted” GEICO email included in [redacted]’s complaint, there are other discounts available to help alleviate the increase in monthly payments.[redacted] also expressed concern that her payments would be higher if she discontinued the automated monthly extractions. [redacted] opted for automated payments and acknowledged all disclosures advising that the payments would change based upon fluctuation in policy premium. Payments schedules are sent to the consumer with ample time for payment cancellations, plan changes, or postponements. GEICO’s filed payment plans and the definitions are included with the policy paperwork for the consumer to choose the one that best works for their budget and [redacted] can change her payment plan at any time. Please note that any change in payment plan will require that the policy has the appropriate amount of equity required to do so. The monthly payment plan with “autopay” allows for the smallest down payment and divides the premium into six equal amounts. Other payment plans are available to those who decline automated payments as per below:One Payment 100% due on the policy effective dateTwo Payment 50% due on the policy effective date; 50% due two months afterthe policy effective dateThree Payment 40% due on the policy effective date; 30% due one month afterthe policy effective date 30% due two months after the policy effective dateFour Payment 25% due on the policy effective date 25% due onef twof and three months afterthe policy effective dateFive Payment 25% due on the policy effective date 33,3% due on the policy effective date 18,75% due onef twof three and four 16,675% due onef twof three and four months afterthe policy effective date months after the policy effective dateFive Payment with GEICO AutoPay 20% due on the policy effective date 20% due onef twof three and four months after the policy effective dateEFT or Recurring Card enrollment is required to start and maintain this plan.Monthly with GEICO AutoPay 16,66% due on the policy effective date 16,66% due one, two, three, four, and five months after the policy effective date EFT or Recurring Card enrolment is required fo start and maintain this plan.It is GEICO’s position that all proper procedures were followed in the handling of the policy in question. [redacted]’s premium is based upon rating guidelines and rules filed and approved by the Massachusetts Division of Insurance. GEICO maintains that the premiums are accurate no refunds or adjustments are due. If you have any questions, or if GEICO can be of any further service in this matter, please contact me at ###-###-####.Very truly yours,

Consumer

Response:

[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]

Review: [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,

Review: I was involved with a hit and run incident which my 2007 Yaris was hit on the left side of the rear bumper by a black jeep with license plate [redacted]. The incident happened at 9:08am on 11/14/2013 when I was driving on the I-[redacted] entrance ramp from [redacted] drive heading westbound. I called the police at that time while I was following the car. However, when I submitted the police report to GEICO which the it clears stated "damage to left rear bumper. vehicle #2 insurance company Geico policy #[redacted], Driver #2 phone [redacted]. Damage height 20" to 27" on vehicle #2. Vehicle #2 heading wetbound on the I-[redacted] Entranace ramp from [redacted] drive, vehicle #1 was behind Vehicle #2, vehicle #1 came up behind and struck vehicle #2 in the rear bumper, drive #1 then drove onto the grass stopped and then left the scene without stopping to exchange information or to call the police" Vehicle 1 is the black Jeep, and vehicle 2 is my car. The police report stated that vehicle #1 struck my car in the rear bumper, and GEICO denied my claim when there is damage to my car and I personally witness this incident.Desired Settlement: Repair my rear end bumper of my 2007 Yaris

Business

Response:

November 29, 2013

Dear [redacted]

Thank you for your inquiry of November 26,2013 concerning [redacted]’s claim.

This claim was reported to GEICO by [redacted] on November 16, 2013. [redacted] reported that our insured, [redacted], rear ended his vehicle and then fled the scene of the accident. Our insured has denied ever making contact with [redacted]’s vehicle. **. [redacted] reported that he was traveling behind [redacted] on the [redacted] Entrance Ramp of Route [redacted] in [redacted], New York at the time of the alleged accident. When [redacted] stopped his vehicle, our insured swerved onto the grass to avoid a collision. In taking this evasive action, our insured effectively avoided this collision and did not make contact with **, **’s vehicle. Our insured sent pictures of his 2012 Jeep Grand Cherokee, showing there is no visible damage to his vehicle. GEICO received an accident exchange form, which includes our insured’s contact information, as [redacted] took our insured’s license plate number at the time of the alleged loss. A full police report has not been provided to date. In addition, we have a photo of [redacted]’s vehicle also showing no damage to his rear bumper. Based on the evidence provided, we do not feel that this loss has been proven.

We feel we have handled the matter within the guidelines set forth in Regulation 64.

If any additional information is needed, please contact, [redacted], Claims Supervisor at ###-###-####.

Review: I got insurence for the first time few months ago with Geico thinking they are will be good To do business with .

once when I got the policy I saw that they put me for 2500.00 detestable I called right away and been promise the its will be changed to 1000 .

Few months later I notice it not been change I called them again this time spoke with [redacted] she promissed she will changed it

two weeks later I had an accident first I called they told me we sorry we saw you changed it I will change it for you again and don't worry your delectable will be 1000.00

well here come the second issue took them one month to inspect my car when I have to spend 60 $ a day to rent a car yet they didn't approved the claim as of this moment .

they keep telling me that they couldn't find the car when I and the dealer been calling them every day.Desired Settlement: 1. I want to get reimbursed for all this days they didn't inspect the car

2. I want to get the delectable issue straight out .

Business

Response:

March 11, 2014

Dear **. [redacted]:

This will acknowledge receipt of your request regarding the above named insured’s private passenger automobile policy. I have carefully reviewed the matter and my findings are as follows:

In **. [redacted]’s correspondence to your organization he expresses concern with his coverage deductibles and the amount of time that it took to inspect his vehicles..

GEICO’s records show that **. [redacted]’s policy was bound on November 17,2013 at approximately 6:03 pm to be effective November 18,2013. The policy was bound with deductibles of $2,500 for both comprehensive and collision. Policy paperwork was sent confirming the coverage and deductibles. **. [redacted] confirmed his coverage and deductibles by signing a coverage selection form via the internet at approximately 7:58 pm on November 17, 2013.

On January 30,2014 at approximately 7:26 am, **. [redacted] changed his deductibles via GEICO.com to $500.00 comprehensive and $1000.00 collision. Please note that the loss in question occurred on January 29,2014 and was reported to GEICO on January 30, 2014 at approximately 4:50 pm. The loss was reported by **. [redacted] after he changed the deductibles.

It is GEICO's position that all proper procedures were followed in the handling of **. [redacted]’s policy. The coverage and deductibles available at the time of loss were selected and confirmed by **. [redacted] at the time of sale. GEICO has no record of any request to change limits and/or deductibles until after the loss. GEICO has made an exception as a matter of good faith to reimburse for the “loss of use” due to the unfortunate delay in the inspection of the vehicle. Please note that there was no rental coverage available for the time of loss and GEICO’s decision to offer reimbursement for the delay period (9 days), has been made as a matter of good faith and exceptional customer service. If you have any questions, or if GEICO can be of any further service in this matter, please contact me at ###-###-####.

Very truly yours,

Review: I own a home in [redacted], Texas. After being insured with GEICO for over 4 years at this address, the home converted to a rental property as I was transferred to [redacted] with work. When my home was converted to a rental property, my home could not longer be covered by [redacted] for which GEICO is my agent. The policy was transferred to [redacted] to cover my home. During the conversation with GEICO and transfer of this policy, it was never disclosed that there were additional clauses that would need to be purchased to ensure my home was protected. My old [redacted] policy covered all areas of my home whereas the [redacted] policy apparently is handled in clauses that need to be added individually. My insurance premium was in escrow and was paid by my mortgage company. These clauses were never discussed and were never gone over with me nor were any of the differences between my [redacted] policy and the new [redacted] policy. On July 27th, 2013, the water heater sprung a leak in my house and spilled water into four rooms of my house causing over four thousand dollars in damage. Immediately, I called [redacted] to file a claim, I was told that my insurance policy does not cover water from appliances and that this clause was not on my contract and therefore I was not covered. I asked them why I was never told that this clause were not on my contract or that these clauses were even available. [redacted] told to contact the agent of my policy which is GEICO for they handled the details of the policy when it was issued. The clause that covers water from appliances is only $75 per year. I don't understand why if the money was in escrow with my mortgage company and was available to be paid, why this was not disclosed as a key condition of the new contract with [redacted] Insurance. I believe the sales agent with GEICO failed to discuss these clauses with me when issuing this policy which has resulted in a policy that was misrepresented to me. After submitting a formal compliant with GEICO stating I was never made aware of these clauses and should have in an attempt to resolve this issue, I have been told that there is nothing they will do to resolve this issue. GEICO claims to have no record of the recorded conversation of the phone call when the policy was enacted nor has GEICO made any effort to interview the agent that was involved when the policy was issued. Instead, they have taken my money and have left me out in the cold with over four thousand dollars in damage.Desired Settlement: I'd like for GEICO to thoroughly investigate my claim, identify the recorded conversations of the issuance of this policy and rectify this situation by covering the damages sustained in this loss. The sale presentation by the agent with GEICO did not include key conditions of the policy that was being sold. The missing causes have already been added to my policy, but it is too late to address the claim filed on July 27th, 2013. The policy sold was misrepresented and provided it was disclosed during our conversation would have been purchased at time of issuance.

Business

Response:

Please see our attached response.

Review: I called the insurance company to get a car insurance quote for my 17 year old son. I only ask for a quote and now they have added him to my policy and will be charging me for his coverage. I told them that he does not live with me and lives with his mother and does not drive any of my vehicles so I did not want him on my policy. They told me that it is their policy to put him on my insurance policy and that the only way they will take him off is to prove that he has insurance with someone else. He just got his drivers license and doesn't even have a car to drive. (I plan to buy him one soon)Desired Settlement: Take my son off my car insurance policy.

Business

Response:

August 2, 2013

Review: My car was sent to the repair shop due to water damage. I have comprehensive coverage under my Geico Policy and it should be covered. However Geico denied my claim saying they do not have “proof”. My comprehensive coverage should cover it as long as it's not an mechanic failure which my repair shop proves it is not.Desired Settlement: I would like Geico to cover the repair expense.

Business

Response:

May 5, 2014To Whom It May Concern:Thank you for your inquiry of April 28, 2014.On February 21, 2014, our insured, [redacted], reported water somehow entered the engine of his 2012 [redacted] could not explain how water entered his engine and reported he was advised by his car dealer to report the claim to his insurer because the damage would not be covered under his warranty. Unfortunately [redacted] is unable to identify a specific date or occurrence wherein water could have entered his engine. On March 27, 2014, we discussed the damage with the car dealers shop technician who indicated two quarts of water were found in the engine, and the proximate cause could have been snow melting and somehow entering the engine. This theory did not seem feasible considering [redacted] confirmed the hood of his [redacted] remain closed during any storms and it is unlikely 2 quarts of melted snow could have entered the engine since there was no evidence of water in the intake.We notified [redacted] on April 10, 2014, that we are unable to authorize repairs to his vehicle because it is still not clear whether the resulting engine hydrolock was due to mechanical failure, or a covered peril. In an effort to verify the source of the engine failure, we have authorized a Cause & Origin (CO) test to be completed by [redacted], independent forensic engineers. We initiated the referral on May 2, 2014 and expect to have results from the CO test within 10 days.We sincerely regret any inconvenience [redacted] has experienced thus far. We believe the CO test will identify the cause for the breakdown and confirm if the damage is due to mechanical failure, which would be covered under his warranty, or a covered loss under [redacted]s policy. Once we have the results of the CO test, we will immediately make a decision and inform [redacted].Should you have any further questions, please contact [redacted], at ###-###-####.Sincerely,

Consumer

Response:

Review: I was involved in a rear end accident Saturday 1/18/2014. The person that hit me was at fault. I decided to file a claim through my own insurance Geico under my collision insurance. Since the other party's insurance was not cooperating. I filed the claim Saturday 1/18/14 immediately after the accident. I did not get a call back from the main adjuster [redacted] until that following Monday. She attempted to persuade me to accept the body shop she was referring me to. However I wanted my car to go to a collision center of my choice. This appears to have angered the adjuster. First she postponed assigning an adjuster to go out to review the damage to my car. Second she refused to authorize me a rental car until an adjuster was assigned to go out to the body shop. It was Wednesday 1/22/2014 when an adjuster [redacted] was assigned to my claim. When I spoke to **. [redacted] he assured me he would go out by Friday to have damages on my car reviewed. However he did not go out as promised. I had to call and demand that he go by there Monday. So at this point I have had to do without my car for 1 week. Monday 1/27/2014 I got a call from this adjuster stating that he found there was no external damage. I attempted to explain to the adjuster that my trunk was damaged in this rear end accident and my tail lamp failure detector is indicated damage to the tail lamp. The adjuster refused to have my care assessed for internal damage. I feel my insurance company Geico has not held up to their obligation to protect me the insured to the fullest extent of my policy. Now I owe the collision center $600.00 before they will release my car to me. This is not fair, and this is why I purchased insurance to protect me from incidents like this.Desired Settlement: Resolution I would like to have: I would like Geico to be fair with their dealings to me the insured. I have collision coverage and I feel Geico is not holding up to their obligations to provide me this coverage. I feel my car has internal damage from the rear end collision, my trunk is damaged, and my tail lamp failure light is on. and it needs to be assessed and repaired. This is the second incident I have had to fight Geico for bad faith in their obligations to me as the insured. I would like to be made whole again after this rear end collision.

Business

Response:

February 7, 2014

Revdex.com of Metropolitan Washington DC and Eastern Pennsylvania

1411 K St. NW, 10th floor

P.O. Box 149104

Washington, DC 20005-3404

Attention: [redacted]

RE: CASE NUMBER: [redacted]

COMPLAINANT: [redacted]

INSURED: [redacted]

CLAIM NUMBER: [redacted]

POLICY NUMBER: [redacted]

DATE OF LOSS: January 18, 2014

COMPANY:

Dear **. [redacted]:

Review: I contacted Geico (Government Employees Insurance Company via their website to get Renters Insurance in addition to the auto insurance I already carry with them. I filled out an online form to select the levels of coverage I wanted and thought all was well. A short time later, I received a notification from a company called "[redacted]" that they had tried to access my bank account to collect premiums for my Renters insurance! I had no previous contact with this company, never spoke to anyone at their company and certainly hadn't entered into any sort of business relationship, at least to my knowledge. [redacted] stated that they had tried to withdraw money from my bank account unsuccessfully and that as a result of not being able to they would be cancelling my policy. I called the and explained that they had no right to try to access my account and that they needed to contact Geico to find out why they were given the impression I had authorized [redacted] to even have my account information! I also called Geico and they apologized but still insisted I needed to contact [redacted] to get the issue resolved. I refused, said it was NOT MY responsibility to straighten up their messes and STRONGLY complained about them releasing my financial account information without my consent!

I have no idea what the law is I this regard and there may in fact be some fine print I have missed in dealing with Geico, but I am VERY IRRITATED that my personal financial data was released to a company I know NOTHING ABOUT without my explicit consent! If there is no law that governs this there certainly should be.

Numerous attempts to get Geico to give me assurance that they not only have grossly erred but to resolve my cancellation with [redacted], have gone unaddressed to my satisfaction other than so a scripted response via email. No pone calls or letters have been received.Desired Settlement: I would like this issue resolved with an investigation of my complaint and a formal notification of resolution by Geico to me about how they plan to be certain the information entrusted to their customers is not used without the customers permission in the future. While I realize there may be no state or federal regulations governing data privacy for private organizations the behavior of Geico, at the very least is a violation of the public trust!

Business

Response:

November 11, 2013

Review: I went online to get a quote I put in my credit card information to see the final quote, I already have Insurance with [redacted]. Next thing I know I was charged for the Policy. And I was charged for a bill that I never recieved they said I owed them money from 2011 and I was charged without my consent. I called to cancel the policy that I did not want and they said they would not refund the old bill amount. I never authorized them to charge my Cradit Card and they stole the money out of my bank account and refused to return it. If they had informed me about the past due amount I would have Paid it. but to just charge me without even telling me they were going to. There was not proceed to checkout.Desired Settlement: I would like an apology and my money returned and for them to change the way they charge people.

Business

Response:

February 4, 2014

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.

**. [redacted]’s previous GEICO Casualty policy number was [redacted] and was for the policy term of March 18, 2011 through September 18, 2011, A Notice of Cancellation for Nonpayment in the amount of $63.69 was mailed May 24, 2011 indicating the policy would cancel effective 12:01 a.m. on June 4, 2011 if a payment was not received (copy enclosed).

A payment was not received and the policy cancelled effective June 4,2011. The amount of $36.41 is for auto insurance coverage provided from May 18, 2011 to the cancellation date of June 4, 2011.

In order to purchase a new policy online, with a balance due on a prior policy, the customer is directed to a Payment Options screen that displays the prior policy balance along with the amount required to start the new policy. Only by agreeing to pay the prior balance is the customer allowed to continue to the payment screen to complete the sale (copy enclosed).

On January 24, 2014, **, [redacted] purchased a new GEICO Casualty policy online by making the $77.38 down-payment and establishing a Recurring Card Payment billing method.

The new GEICO Casualty policy number was [redacted] and the paperwork was mailed January 25, 2014 as well as the Recurring Card Payment Notification (copy enclosed).

On January 24, 2014, **. [redacted] contacted GEICO to cancel the policy. The policy was cancelled effective January 25, 2014 at **. [redacted]’s request. **, [redacted]'s credit card was refunded $72.38, which is the down-payment less the $5.00 service fee.

The prior policy balance is now paid in full.

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,

Consumer

Response:

[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]

Review: [redacted]

I am rejecting this response because: there was not checkout to review payments and the website said to enter your credit card to get the quote. I was auto billed and not told I was being billed. they automatically took the money and issued a policy with no cart or checkout section where I would approve it. And there was Never a mention about a older amount

Regards,

Business

Response:

February 13, 2014

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.

The Payment Options screen informed **. [redacted] that a prior balance of $36.41 was due on a previous policy and that amount must be collected before we can issue a new policy. We will process a separate one-time payment of $36.41 before the down payment is processed. The screen informed **, [redacted] to provide the payment details to proceed with purchasing his new policy.

**. [redacted] selected the Recurring Card Payment plan and entered his credit card to purchase the policy. The card information has been removed due to its sensitive nature.

**. [redacted] accepted the Terms and Conditions to authorize GEICO to initiate recurring charges for insurance premiums and associated fees (copy enclosed).

He then selected the Continue button and was directed to the next screen which indicates Thanks for requesting a GEICO auto policy (copy enclosed).

**. [redacted] received a policy in the mail along with the Recurring Card Payment information.

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,

Review: I made a policy with geico a couple weeks ago agreeing to payments around 288 a month, this policy was for myself as well as my boyfriend who also needed [redacted] insurance. Geico was aware of EVERYTHING on our driving records and everything was set in stone once I made this policy, I got our driving records from another agency before I even contacted geico to make sure everything was noted on the policy. I got a confirmation email of our policy and was told that [redacted]'s [redacted] was being sent to NH and was all set. Two days later I received an email stating that my monthly payments were 410 a month, except I had not made ANY changes to the policy. I called to get this straightened out and was told that something else came up on [redacted]'s driving record; I disputed this since I had already told them everything on [redacted]'s driving record. She proceeded to tell me about 5 times something came up on [redacted]'s driving record but could not confirm what it was. I told her she could reference my first phone call if necessary to confirm that everything was recorded when I made this policy, she told me she would call me back to confirm what had changed. 5 hours later still no call, so I called back. Spoke to another representative who told me the same exact thing but wouldn't confirm what was different from when I originally made the policy. I asked to speak with a manager, she acted as if this was a ridiculous request, told me to hold so she could get a manager, then came back on the line and said a manager would call me back when available. I tried logging into my online account to check to see if I saw any changes and I could not log in, my screen told me my policy was cancelled. So one of their awesome employees cancelled my policy without my knowledge or consent, with no reasoning. Two hours later I get a phone call. I explain the situation and she again tells me something on [redacted]'s report came up, but could not tell me what. I told her that everything was already clarified when I made the policy, she put me on hold for 5 minutes, came back and told me I was correct and that I told them everything when I made the policy but they could not offer me that quote anymore, for no reason. So she told me to hold so she could come up with an accurate quote, came back on the line and said nevermind we cannot offer you insurance at all because [redacted]'s license is revoked. I have no idea what that has to do with me nor does it matter and they already knew this when I made the policy. Then she told me I could cancel the policy whenever I wanted before 7/8/2014 (since I am still covered until the 8th) and get whatever refund would be left and she could still send me [redacted]'s [redacted] via email. An hour later I still had not received it so I sent an email and got a phone call in 10 minutes. The man I spoke with said they could not send the [redacted] and I would be getting a refund on this. I got the refund 4 days later, today I tried cancelling the policy to get a refund since I have purchased other insurance and no longer need the policy that was taken from me without my knowledge. The women I spoke with told me she put in a note but whoever processes these request wouldn't do it now for some reason, and that they don't do it on the weekends so it might not be processed till beginning of next week. I also received a letter in the mail stating something to do with my credit was why they canceled my policy, which I never authorized a credit report nor was I told they were running one NOR was this their reasoning for canceling the policy when I spoke to 4 different people on the phone. I am not sure if any of what they have done is legal, but I feel it isn't. I have wasted a ton of time and money with this, and this company is awfulDesired Settlement: I cannot say I will get a refund on the full month of what I payed, But I feel I deserve one. This one a complete waste of money and time and I was lied to and told I was getting insurance that they just completely took away from me without informing me and put me through hell trying to figure out what was going on. I would like a refund, I would also like to stop receiving ridiculous emails and letters in the mail telling me why they canceled my policy. I would also hope this is prevented from happening to any customer in the future.

Business

Response:

July 7, 2014

Review: I have an issue with adequate automobile coverage for a claim I had to make on 11/26/13 in the result of an accident. Here is a letter I wrote to GEICO asking for proper coverage of the damage to my vehicle.

12/05/13

To whom it may concern;

I called to sign up for insurance coverage with Geico on 10/26/13. $77.10 for 10/27/13-11/27/13 was deducted from my bank account automatically and insurance cards were issued. On 11/26/13, due to natural weather conditions and un-maintained roads, I was involved in a single car accident. On 11/26/13, after reviewing my policy and acquiring all the proper paperwork, I called Geico to report my claim. Unbeknownst to me I no longer had the adequate coverage, due to not providing a photo inspection in time, according to [redacted] the adjuster I spoke with. In my initial phone conversation with Geico on 10/26/13 the representative I spoke with never informed me that I had to provide a photo inspection of my vehicle or let alone by a certain date. On 11/29/13 I spoke to a **. [redacted], a Geico representative, at 9:00am, concerning the steps required by Geico to inform the policy holder that they need to provide photo inspection of the vehicle within five days of acquiring coverage. **. [redacted]’s response was that the representative from Geico would verbally state to the customer the course of action during the initial phone conversation. Just to reiterate, I was never informed to provide this photo inspection, and on 11/26/13 when I asked to hear a recording of my initial sign on conversation with the representative, I was told that none could be provided.

On 11/27/13 I printed a copy of my Coverage Summary (I have enclosed a copy for your reference) and it clearly states that I have collision and comprehensive coverage from 10/27/13-04/27/14.

Aside from phone conversations with Geico representatives on 11/26/13, where I was first informed I had no collision and comprehensive coverage, on 11/30/13 I received my first paper indication from Geico in the mail dated 11/27/13 that my collision and comprehensive coverage was terminated on 11/02/13.

On 10/27/13 $77.10 was automatically deducted from my bank account for coverage from 10/27/13-11/27/13. Then on 11/27/13 $72.10 was deducted automatically from my bank account for full coverage from 11/27/13-12/27/13. Full payment was deducted from my bank account on 11/27/13, with no reimbursement from Geico, even though Geico states I lost my collision and comprehensive coverage on 11/02/13. Due to this I had no knowledge I would have lost my collision and comprehensive coverage on 11/02/13 (I also enclosed a copy of the bank statement showing Geico’s full deduction on 11/29/13.

I have spoken to a [redacted] Motor Acceptance Corporation representative, with whom I leased my vehicle, and was informed that they were unaware my collision and comprehensive coverage had been terminated, and that if Geico had informed them I lost coverage, they would have contacted me concerning the issue of driving a leased vehicle with no collision and comprehensive coverage.

I have consulted with a lawyer who agrees that after the provided facts and paper printouts, it would be unconscionable of Geico to deny collision and comprehensive coverage for my claim that took place on 11/26/13.

Geico clai** to be consumer friendly, yet I feel as though I am not being treated fairly in this matter. I have done my part and made my payments. I was issued insurance cards and a summary of coverage. With monthly deductions being taken from my account automatically by Geico, nothing would lead me to believe my coverage was inadequate in the event of an uncontrollable accident.

My lawyer has advised me to contact the Revdex.com and log into websites concerning Geico’s business practices to ensure customer satisfaction. As I feel I am not being treated fairly or to my satisfaction in this matter, I am going to advise possible future customers of the inadequate process of Geico relaying the proper steps of obtaining coverage to it’s customer. Due to my experience I feel I need to inform possible future customers along with current customers that they may be terminated from adequate coverage without their knowledge but that Geico will continue to automatically deduct full payments from their bank accounts.

I would appreciate your attention to this matter in a timely fashion as my primary mode of transportation to work is awaiting repair.

Sincerely,

[redacted] Greco

After faxing and mailing copies of this letter, I received a denial letter back, stating that I was sent reminders in the mail and that GEICO is not going to cover my damages. I am filing a complaint because I never received anything in the mail letting me know that I had a photo inspection to hand in. I was in the process of moving and even if GEICO did mail something to me, I never received it. Nothing was sent to me certified mail, insuring that I would be made aware of the situation.Desired Settlement: There is $6500 worth of damages to my vehicle. I have no primary ,means of transportation to work anymore. I have paid for my policy like I should every month. I would like GEICO to write me a check and pay for my damages.

Business

Response:

January 23, 2014

Dear **. [redacted]:

This will acknowledge receipt of your January 22, 2014 inquiry regarding the above referenced private passenger automobile insurance policy.

On October 27, 2013 the above policy was established in the name of [redacted] to insure a 2012 [redacted]. The policy included physical damage coverage (Comprehensive and Collision) for the vehicle.

Our records indicate that the insured was verbally advised at the time of sale that a mandatory photo inspection was required for the 2012 [redacted] within 5 calendar days of the coverage effective date in order to maintain physical damage coverage. The insured was also informed of the consequences (suspension of physical damage coverage) for failing to comply with the mandatory photo inspection requirement. Written notification of the mandatory photo inspection requirement was also mailed to the insured at address on file on October 28, 2013. A copy of the written notice, its proof of mailing, and documentation of the verbal notification that was provided at the time of sale are included for your review.

On November 2, 2013 physical damage coverage on the 2012 [redacted] was suspended for failure to comply with the mandatory photo inspection requirement. Written notification was subsequently mailed to the insured on November 12, 2013 indicating that GEICO would be unable to pay for the repair of her vehicle under Comprehensive and/or Collision coverage in the event of a claim. The notice also stated that the insured would need to complete the mandatory photo inspection immediately in order to restore the physical damage coverage. A copy of the notice is enclosed.

On November 26, 2013 written notification was again mailed to the insured indicating that physical damage coverage on the 2012 [redacted] was suspended on November 2, 2013 for failure to comply with the mandatory photo inspection requirement. The policy was endorsed accordingly, and a pro-rata credit adjustment in the amount of $194.95 was applied to the outstanding premium balance on November 27, 2013 due to the removal of coverage. Updated policy paperwork was also sent to the insured on November 28, 2013 reflecting the new six month premium, and that the policy no longer included physical damage coverage for the 2012 [redacted]. As a result, physical damage coverage was not in effect for the insured’s loss occurring on November 26, 2013 involving the 2012 [redacted] since the mandatory photo inspection was not completed by that date. Copies of the confirmation of suspension letter, its proof of mailing and the updated policy declarations dated November 28, 2013 are included for your review.

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,

Consumer

Response:

I received the response to my complaint from Geico and was very dissatisfied. As the customer, I am telling the company that they did not do their job right. Geico explained to me that in my initial phone conversation is when I would have been informed I need to provide a photo inspection. I was not happy with the way that initial conversation went, told Geico I never received that Information, and asked for a recording of it. I was informed one could not be provided. Then, Geico still clai** that they sent me numerous items in the mail stating I needed to provide a photo inspection. As I previously stated, I never received them. I was in between addresses. It should not matter if Geico claims they sent out notifications or not, nothing was ever sent certified mail to ensure I received it, and I did not get anything. We can go back and forth all day about who sent what and who received what. I am telling Geico that I am a responsible customer, who did everything I was informed I needed to do to maintain proper coverage. Whatever happened to "the customer is always right"? I guess that is just not a practice that Geico does business by, even though they want to seem all customer friendly with their cute commercials and gecko. And yet, they still deducted full monthly payments. Now that is a practice I will be sure to inform everyone about. Geico is going to lose me, a responsible driver, who in my 14 years of driving was in my first auto accident this past year with no tickets issued due to poorly maintained winter roads. My first auto accident, which is terrible enough, and no proper coverage, due to poor business practices. I will do whatever I can to prevent anyone I know or care about from insuring with Geico. Doing business with them has only made this traumatic experience even more terrible. Stress during the holidays, payments and bills that I dont have money to pay for, the feeling of a company just not wanting to help, these are all things I never would have dreamed would have happened when my vehicle slid down a hill into a gas station pole. Usually a person gets into an accident, files their claim, and is thankful and relieved that their insurance company was there to help out. Not Geico though, unfortunately this was not the case for me. I am one very unhappy customer that unfortunately chose to do business with Geico.

Review: I was involved in a minor accident in which I was ran off and startled on 20 March 2014 on highway route **, in NJ. I contacted my insurance carrier to place a claim for damages done to my vehicle when I hit the side rail wall. The right side of my vehicle was damaged. I had already been planning to change my vehicle over from liability to full coverage after I had come completely come out of a hardship sustained from waiting on my disability from Active Duty Army. I was recently given all my back pay with allowed me to catch up on my bills and increase my car insurance to full coverage. I increased my coverages for me and my sons life insurance as well as my car insurance on my birthday March 19th. So when I reported my car incident to Geico they told me that because of the time frame of the change and accident it was a longer process. I was asked for a police report in which I provided, Geico stated they did not receive about 7 or 8 times. I had to keep sending it. Finally they admitted to getting it and it wasn't up to standard. The police department was called by Geico in which they verified the accident and police report. The police report was not good enough because it wasn't typed up. So they had to get someone to look at my vehicle to make sure the damage was in fact new.

That was done but still my vehicle remained parked on the street as opposed to being picked up by a tow truck and brought to a repair shop as promised. My car had already gotten a parking ticket and I did not want to get another one so I moved it. As I moved it the right side tire damage broke even worse to where I could not move it at all. I called for road side assistant and that is when I found out that adjustor verified the damage to my vehicle and I was given a shop to call by a Geico agent. the shop did not answer.

The Geico agent told me to ask the Tow Truck driver if he knew of any shops and I did, he then called his boss and thats where my vehicle was sent for repair. Geico then made reservation for me to get a rental vehicle.

A few days after my car being in the shop I am called by another department stating I am still under investigation. Now I have been treated poorly by Geico. My car is not being paid for despite me paying for services, Geico took $479.00 on the 11 of April 2014. Since I've had Geico I have paid my bill on time and plan on always doing so. But I am being treated unfairly. I am no liar, I am one of the most honest people my family and friends know. I am also a Service Member and one of our biggest Army values is integrity, I take my values serious. I could open or change a policy and then from there get in an accident. These things happen and thats why they are called accidents! When I call for updates I am still told they are waiting for the police report or they are trying to verify date of loss. This is totally unacceptable and I am in desperate need of help. Last week it stressed me so bad and I was hospitalized being the I am 8 weeks pregnant. This situation is taking a toll on me and my family.Desired Settlement: My vehicle will be finished on monday, 21 April 2014. I want to get the services I'm paying for. I have my deposit for my end and my insurance company needs to pay theirs. (vehicle damages and rental fees)

Business

Response:

Dear [redacted]:Thank you for your letter of inquiry dated April 27,2014.This loss was reported under [redacted]’s policy on March 20,2014. In this accident our insured, [redacted] was struck by an unknown vehicle causing her to lose control and strike a guardrail. The unknown vehicle fled the scene.Due to the fact that [redacted] added the coverage applicable for this loss on March 19,2014 we have requested that she submit to an examination under oath. **. [redacted] 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.**. [redacted]’s New Jersey Family Automobile Insurance Policy states:SECTION V- GENERAL CONDITIONSThese Conditions Apply to All Coverages InThis Policy14. EXAMINATION 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, [redacted] made a call to **. [redacted] and left a voicemail for her to contact us to discuss the matter further. The examination under oath for **. [redacted] is currently scheduled for May 20,2014. 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 [redacted], Claims Director at [redacted].

Consumer

Response:

[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]

Review: [redacted]

I am rejecting this response because:

I do not have time to deal with Geico's games. Whether or not the damage was new or not was already verified through a police report and an employee of Geico that physically came to my residence to examine my vehicle as well as take photos. They simply do not want to pay. I have since the terminated my business with Geico due to my terrible experience. I will also not be attending their appt on the 20th because I have been completely honest and cooperative with Geico and in return been treated unfairly. I also submitted an recording over the phone about my car. After I comply they keep coming up with more and more as if I have anything to lie about. I will not be missing school to do anything else for Geico. Every step of they way I have complied with Geico. They simply do not want to take care of their responsibility as an insurance company.

Regards,

Business

Response:

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