Geico Corporation

Review: On May 5th I was involved in a car accident. A male ran a red light and hit my car. It was myself and my son in the vehicle. I had a green turn light and proceeded into the intersection. He hit the front drivers side of my car as he swerved and slid across the front of my car. He admitted fault, received a ticket at the site of the accident, and was found at fault for running the red light. I also have a witness. There were 2 turning lanes and she was beside me and witnessed the entire accident. Both of us (myself as well as man that hit me) have Geico insurance. They started out saying they would not accept liablity at all in the accident for the other driver. THen they increased it to 50%, then after speaking to the witness, increased it to 80%. I refuse to accept any liability for an accident that I did not cause.

He was ticketed, found at fault, paid the fine and I have a witness. They refuse to budge on the situation.

I have also been to my family doctor and started physical therapy for my injuries.Desired Settlement: I want Geico to accept 100% liability for the other driver. I want them to do the right thing and pay for any and all injury bills pertaining to the accident, pay 100% of my car repairs, as well as an apology for taking so long at resolving this issue.

Business

Response:

June 13, 2014Dear [redacted]:Thank you for your June , 2014 inquiry.Pursuant to your request we reviewed the claim in question. [redacted] disagrees with the liability decision we reached in our investigation of this loss. We considered all evidence available to us during our investigation which included the police report, a recorded statement from our insured [redacted], a recorded statement from [redacted] and a recorded statement from a witness [redacted] along with photos of the accident scene and photos of both vehicles involved in this loss. From the physical evidence gathered it is clear **. [redacted] had control of this intersection when [redacted] struck him broadside on the right side of his vehicle. **. [redacted] had traveled approximately 44 feet into the intersection before he was struck and was directly in the path of [redacted] when the impact occurred. The witness, [redacted], was in the lane next to [redacted] and was able to stop completely and avoid this accident. We are considering **. [redacted]s contribution as supported by the independent witness and the fact that [redacted] failed to maintain a proper lookout while **. [redacted] had control of the intersection.Based on this we assigned eighty percent of the responsibility to **. [redacted] and have agreed to resolve that portion of [redacted]s damages. We hope to reach an amicable resolution of all aspects of the claim with **. [redacted] and will work diligently to do so.If there are additional questions you may contact Claims Manager, [redacted], at [redacted], extension [redacted].Sincerely,

Review: I was told to the pay the bill by the 7th and was not informed that I had to pay the bill five days before the 8th. The representatives told me by phone that is I made the payment with my credit card on the [redacted] website that I would not get a service fee. I got charged a service fee. The representative named [redacted] suggested I file a complaint. If I called the corporate headquarters they could reverse back the fee.Desired Settlement: I would like the service fee to be waived, refunded back of 6.00 on my bill.

Business

Response:

March 23, 2013

Dear [redacted],

Thank you for your correspondence. Can you please provide your homeowner policy number so that we may further review your billing concerns? I look forward to hearing from you.

Sincerely,

GEICO Insurance Agency, Inc.

Review: My family has had a car insurance policy with GEICO for over a decade. In August 2012, due to a damaged gas line, our adult daughters old [redacted] turned into a fireball on the Interstate. I am happy to say that our daughter was not hurt, but it was a terrifying ordeal for her to see her car and all of her belongings (she was returning home from a summer job) in flames as she stood barefoot without her purse, ID or phone on the side of the road in the middle of the night. At that time, our daughter was a student at our local university, living in our home. Because she didnt have a car to drive; and, she didnt have the means to buy a new one; and, she couldnt drive either of our familys manual transmission cars; nor, did she want to learn how to drive a stick-shift, I called GEICO customer service later that same month and asked your representative to remove [redacted] from our car insurance. I was told flat out that as long as our daughter lived in our home and she had a drivers license, we were required to include her on our car insurance even though she would never be driving either of our familys GEICO insured cars.A few months later, I called again and a GEICO representative confirmed that I had no recourse but to pay for our daughters car insurance as long as she lived in our home and owned a drivers licenseregardless of the fact that she couldnt and wasnt driving our familys manual transmission cars.Because our familys car insurance had increased three-fold since our daughter was added to our plan, I recently decided to investigate other insurance companies which, I learned, had no issue with not including our daughter on our familys car insurance. When I called a GEICO representative this month to discuss our insurance costs, and my intention to change to a company that would not include our daughter on our plan, I learned two things:1)Having our daughter on our plan was costing our family an extra $432 every six months, which meant that we had now paid nearly $1,500 over the past 20 months to have a non-driver on our plan;2)That GEICO allows policy owners to sign an Exemption Form to disallow a family member with a drivers license from being on the familys car insurance but this option is offered to the policy holder at the discretion of your staff, and in our case, was only offered when our family stated that we were planning on cancelling our GEICO car insurance.As far as I am concerned, withholding the GEICO Exemption option, unless the policy holder escalates, is unethical, unfair and just plain fishy. As of today, I have filed the Exemption Form, removing our daughter from our GEICO car insurance policy. I understand that our car insurance contract and payments will be prorated to reflect this change starting tomorrow. I asked a supervisor at GEICO if we could receive a credit or reimbursement for our past overpayment. She said, No, because that is the contract you had with GEICO. We cannot go back on past contracts.Desired Settlement: I would like GEICO to right this wrong by either crediting my family for our 20-month car insurance overpayment going forward, or by reimbursing our family with a check for the overpayment we paid to GEICO for our daughter, a declared non-driver, staying on our plan.

Business

Response:

May 16, 2014Dear [redacted]:We have received your letter requesting assistance on behalf of **. [redacted]. I welcome the opportunity to respond to her concerns.As **. [redacted] noted in her complaint, her daughter, [redacted], was involved in a loss on August 12, 2012, while driving their 1996 [redacted] listed on the policy. A review of the policy has confirmed that the [redacted] was removed from the policy on August 23, 2012 based on a request from **. [redacted]. Our policy notes from this date indicate **. [redacted] requested that we remove [redacted] at this time. We explained based [redacted]s driving activity we would need documentation showing other insurance or residency in order to remove her, Normally, if this type of documentation is unavailable, it is our standard procedure offer the option to exclude the driver in question by signing a Named Driver Exclusion (NDE) endorsement. There is no indication that that **. [redacted] expressed an inability to obtain the requested documentation and we have no record of a request to remove [redacted] after the August 23, 2012 notation until April 2014.On April 5, 2014, **. [redacted] telephoned us and requested to remove [redacted]. At this time, the option to exclude [redacted] was presented to **. [redacted]. She requested we send the required form via email. We received the signed, valid NDE on May 1, 2014 and [redacted] was removed from the policy. In consideration of any delays in sending the NDE form to **. [redacted], we have backdated the removal of [redacted] from the policy to April 6, 2014, the date after her original request.We recognize **. [redacted]s concern regarding [redacted]s status on the policy; however, we are unable to backdate her removal for any additional time period. Policy documents confirming the drivers listed on the policy have been made available to **. [redacted] on numerous occasions. In addition to the paperwork sent immediately after the Volvos removal and the addition of her son in 2013, the policy renewed three times, with policy Declarations Pages enclosed in each renewal.For your reference, we have enclosed relevant Declarations Pages sent on the policy.I hope this information is helpful in resolving **. [redacted]s concerns. If you have any additional questions, please contact my associate, [redacted], at ###-###-####, extension [redacted].

Consumer

Response:

May 25, 2014 Dear [redacted] —I have recently received your complaint response letter dated May 16, 2014 declining my request for a GEICO refund or credit on overpayment of my familys car insurance, as well as a copy of your letter to the Revdex.com of Washington, DC. Please do not consider my file closed; I will continue to labor this complaint until it is honestly and fairly resolved.You have stated that, on August 23, 2012, when I requested to have [redacted] removed from our familys car insurance, your customer service representatives gave me the option to exclude the driver in question by signing a Named Driver Exclusion (NDE) endorsement.” This was not the case; the offer of my signing [redacted] off our plan with a legal form provided by your company was only made to me on April 5, 2014. was told in August 2012 that I had two options to remove [redacted] from our plan;• Have [redacted] move out.• Have [redacted] give up her drivers license.I was told to let GEICO know when [redacted] moved out, and GEICO would change our familys car insurance at that time. I was not offered any legal document from GEICO that would allow me to sign her off our insurance. If I had been offered this option, I would have taken action at that time.In April 2014, when called and asked about removing [redacted] from our policy, this time, your customer service representative told me that there was actually an option available to me: the NDE form, but this recourse was only available in extraordinary” circumstances and that it was only available through another department at GEICO. When requested the form, I was told it would be emailed to me that day. It never came, and after a week, I had to call GEICO back and request the form again. For this reason, there was a delay in returning the form to your company,Because my version of my conversations with GEICO is not the same as your corporate explanation (which I consider glib and inaccurate), would you kindly provide me and the WA State Office of the insurance Commissioner with transcripts of ALL of my conversations with GEICO from August 23, 2012 until May 1, 2014 so that the truth can be day-lighted and this complaint can be honestly and fairly resolved.

Business

Response:

Hello Ms. Horne,

We will contact **. [redacted] directly to address her additional concerns.

Please contact me by email or at the number below if you have additional concerns or questions.

Thank you,

[redacted]Consumer RelationsGEICO Region 10Phone: ###-###-####Fax: ###-###-####Email: [redacted]

Review: I recently got a new car... and had to get a photo inspection done for full coverage. well I failed to get the photo done right away so my monthly payments went from 358.00 to 167.00. I then got the photo done and called geico to let them know of this and I also wanted to make sure there would be no pro-rated charges to the account and the female I spoke to said no that everything would start up normal the following month. well that wasnt the case, geico charged my checking account 531.67 for my insurance and a pro-rated amount for not having photo after they said threy wouldnt. I called them and complained and explained to them that it put my account negative 186.00. so they sent out a credit to my account on the 18th of march 2013..but it wont hit until friday they said. well I get direct deposits for my pay checks every week on thursday...I had to borrow money to put in my account so I woundt lose some of my paycheck and have to file a claim through my bank to get it back.Desired Settlement: negate the pro-rated charge they said I would NOT get.

Business

Response:

March 20, 2013

Review: I called Geico on January 18 and got insurance. The same day whilst in the process of finishing up the call I was struck by another driver. The woman I spike to said she was going to transfer me to claims even though the lady had struck my car. The officer called in the other driver and my insurance ( I gave him geico because that's who I now had) both came back fine. I get pulled over in August the cop tells me my license is suspended. I then go to jail. When I go to the dmv the next day they tell me there is no record of my having insurance with geico nor the police report from the accident. Nothing was turned in I spent a night in jail. I leave the dmv and go to geico. The office in North Charleston tells me my insurance started on the 19th not the 18th. I paid them on the 18th and the lady said I was good to go. She even sent me a email with my policy number. My policy number is on the police report. The officer verified it electronically.Why did the cop at the accident not arrest me for not having insurance when it came back I did. Geico rejected knowing after I gave them the police report( which they didn't turn in to dmv). The other driver switched insurance and disappeared. Now the dmv took my tags, license and are coming after me for $1500. In fees because Geico won't admit that I was insured by them.Desired Settlement: I want geico to admit that I was insured by them and refund the dmv fees I had to pay. Which includes $550 for no insurance and and $100 for reinstatement fees.

Business

Response:

August 14, 2014

Review: This is a car insurance policy - May 8 2014 after receving a policy renewal notice, I cancelled this insurance because it had gone up and bought elsewhere. I spoke to an acutal person on the phone and cancelled it. They charged my bank account a total of 239.72 on May 19. When I called to speak with them, they were unwilling to reverese the charges saying they showed the policy still in effect. My insurance had gone up almost 170 dollars MONTHLY which is why I cancelled it. When I was transferred to a Supervisor, I was told that they didn't have "record" of it. I gave them the name of the person I spoke with and the approximate time I called. After 45 minutes on the phone, I got no where. I now have two insurance policies that I don't need. It put my account in a negative balance of over 200 dollars because of other things that hit and for fees. I had to call my bank and cancel out my account so no more could be charged by the company.Desired Settlement: I would like for them to refund my $239.72 and other fees incurred from me bouncing checks. If my bank is willing to credit the bounce check fees then I will not ask for that. A phone call would be great for someone to just call me and acknowledge the mistake to get this handled.

Business

Response:

June 04, 2014

Review: Basically, I was told the auto body damage and the engine damage was caused by the extrweme cold weather and snow plow wall I ran into during a snow storm on JDecember 16, 2014. the inital clai** adjusted agree with the first auto technician at [redacted] in [redacted] where I slide into a reveine and craled my way to the auto bay at five miles per hour. The ajusted [redacted]. refused to allow it on a diagnositic lift stating the auto body damamge manager [redacted] stated there was nothing wrong with the engine only the body. [redacted] alloed it remain in the car bay for two week running out my rental time. He did not approve a second reconsideration for rental time nor payed for the diagnosis as well as the coil package damage to be replaced. [redacted] is blamimng it all on [redacted] from [redacted] auto body dammage. [redacted] denies such alligations.Desired Settlement: I desire a refund for the auto diagnosis and oparts an labot equalling 599.00 as wel as 500;000 for the on-going car rental after [redacted] quenched my ability to have it daignosed and repaired in a timely manner

Business

Response:

Our records show that we did not receive this complaint until February 14th. We are presently working on it and should have a response shortly.

Business

Response:

February 25, 2014

Dear **. [redacted],

We have received your letter dated February 14, 2014, and have reviewed **. [redacted]’s concerns.

On December 16, 2013, GEICO inspected **. [redacted]’s 2001 [redacted] at [redacted] body shop in [redacted], PA. While the adjuster was there the vehicle was driven onto a lift so the undercarriage could be properly inspected. At that time, it was not known that there was a mechanical/electric issue as only the body damage was visible and the vehicle was able to be driven within the shop. After inspecting the vehicle and writing the estimate, the adjuster attempted to call **. [redacted] to review the estimate but she was not available so he left a message on her voicemail advising her of the estimated damages. The body shop also attempted to contact **. [redacted] as they needed her approval to start repairing the vehicle, but they were unsuccessful.

**. [redacted] did not respond to any attempts to contact her until approximately two weeks later. When **. [redacted] did contact our adjuster, she stated that the vehicle would not go faster than 10 mph and there was some sort of mechanical or electrical problem. The adjuster advised her that the body damage was relatively minor and there wasn’t anything obvious that could relate her mechanical/electrical issues to the loss. He also advised her that if she wanted to authorize the shop to diagnose the problem and we could relate it to the loss then we would cover those costs, but if we could not relate the damages to a covered loss, then she would be responsible for the diagnosis and repair costs.

Eventually, **. [redacted] gave approval for the service department to diagnose the mechanical/electrical problems and it was determined that the electrical coil pack needed to be replaced. There was no physical damage to it and no way to relate it to the loss.

**. [redacted] was notified of this and it was also explained that the theory that the cold temperature somehow damaged to coil would not provide coverage as freezing damages are specifically excluded from coverage under her policy.

In **. [redacted]’s complaint she states that our adjuster agreed with the auto technician at [redacted] and that he refused to allow the vehicle to be placed on a lift. Our adjuster never went to [redacted] nor spoke with anyone from [redacted] and the vehicle was inspected on a lift at the [redacted] body shop. Unfortunately, **. [redacted]’s rental coverage was exhausted due to her delays in authorizing the repair facility to diagnose and ultimately repair the damages to her vehicle. GEICO did not cause any unreasonable delays in inspecting the vehicle or providing the necessary information to **. [redacted] that would allow her to get her vehicle repaired in a timely manner.

If there are any further questions, please do not hesitate to call the Central Pennsylvania Auto Damage Manager, [redacted] directly at ###-###-####.

Review: Three months in a row now I have had to split my payment into two monthly installments for my car insurance, and I have gone online to www.geico.com to adjust the arrangement the first two months, and the online site says my request was approved and I got emails with the confirmation, but GEICO still debited my account on the wrong days which caused me to have overdraft fee's with my bank. GEICO was nice enough to return the charge and my bank adjusted the overdraft fee's. And then the next month, October 2013 I called and spoke with a GEICO rep and set up my payments to be deducted again in two installments, one on 10/4/13 for 114.00 and then another on 10/18/13 for 100.00, and they deducted the first payment just fine, but deducted the second payment on 10/13/13 which caused my account to overdraft again, which meant more time for me on the phone with GEICO and my bank, but this time I had to fight GEICO to get them to return my 100.00 that was withdrawn 5 days to soon and then also go as far as a manager with my bank to adjust the overdraft fee.............. This is getting tiring, I am sick of spending my time on the phone with GEICO and my bank because of GEICO's error and also them telling me over and over again that I can make all these change requests online................ well I guess not since it doesn't seem to be working like they say it will.Desired Settlement: I feel that for all my troubles with GEICO and all my time spent on the phone, using up my lunch time and breaks at work, that I should be compensated for something. I am asking for half off on one month of my Insurance with GEICO for all of the problems with them

Business

Response:

Hello **. [redacted],

The attached pdf is our response to **. [redacted]’s complaint.

Please contact me by email or at the number below if you have any problems accessing the file.

Thank you,

Consumer Relations

GEICO Region **

Phone: ###-###-####

November 4, 2013

Revdex.com of Metropolitan Washington DC

1411 K Street NW, 10th Fl. Washington, DC 20005-3404

Regarding: [redacted]

Policy Number: [redacted]

Revdex.com File Number: [redacted]

Dear **. [redacted]:

We have received your letter requesting assistance on behalf of **. [redacted]. I welcome the opportunity to respond to her concerns.

In June of 2012, **. [redacted] elected to enroll her policy in automatic payments using a credit card (Recurring Card Payments - RCP). When a policy is enrolled in RCP, payments are automatically extracted from our customer’s account on a specified due date. RCP schedules are sent after premium endorsements and beginning of each renewal period, along with pertinent renewal documents. As a courtesy, enrollment in RCP allows our customers to postpone payments online at geico.com or through our automated phone system as well. Courtesy email reminders are also sent if we are provided with an email address. **. [redacted] provided us with [redacted] for email contact on her policy.

On February 7, 2013, a 1994 Ford Tempo was added to **. [redacted]’s policy, and resulted in a prorated premium of $150.06 being added to the policy balance. Once this endorsement was made, a bill was generated in the amount of $320.36 to be drafted on April 4, 2013. Prior to this date, **. [redacted]’s upcoming renewal term was prepared. Prior to the April 4th due date, **. [redacted] discontinued enrollment in RCP and an adjusted bill is generated in the amount of $534.40 due on May 4, 2013, to account for her upcoming renewal term.

On April 3, 2013, a payment of $260.36 was made at geico.com from a [redacted] ending in [redacted] and a payment in the amount of $60.00 was scheduled to be collected April 5th from the same [redacted]. **. [redacted] then re-enrolled in RCP with this [redacted]. After receiving the RCP reminder in the amount of $214.04 to be automatically drafted on May 4, 2013, **. [redacted] postponed the scheduled RCP payment to be drafted on May 6, 2013 . In the meantime, a payment of $214.04 was made a geico.com from a [redacted] ending in [redacted] on May 3, 2013. It is important to note that the $214.04 paid at this time matched the current RCP amount due and left no outstanding portion due. For this reason no RCP payment was collected on May 4, 2013.

In keeping with her enrollment in RCP, on May 24, 2013 a payment reminder was emailed to **. [redacted] in the amount of $214.04 to be drafted on June 4, 2013. However, on May 31, 2013 **. [redacted] discontinued enrollment in RCP. **. [redacted]’s next two payments were made on June 1st in the amount of $114.04 and on June 15th in amount of $100.00 via geico.com. **. [redacted] then re-enrolled in RCP. On June 23, 2013, an RCP reminder was emailed to **. [redacted] indicating that $214.04 would be automatically drafted on July 12, 2013. **. [redacted] then made a payment of $100.00 at geico.com on July 3, 2013. Based on the policy’s re-established enrollment in RCP, the $100.00 paid here left a current amount due of $114.04 and was drafted on July 12th.

On July 24, 2013, a RCP reminder was emailed to **. [redacted] in the amount of $214.04 to be automatically drafted on August 4, 2013. **. [redacted] visited geico.com on July 24 and scheduled a payment in the amount of $114.04 to be collected August 4th; however, cancelled this payment a moment later. An additional payment was also entered and cancelled as well. On July 30, 2013, **. [redacted] scheduled a payment in the amount of $114.04 to be collected August 2nd from a [redacted] ending in 4417. This payment was then cancelled and a payment of $100.04 was made from the [redacted] ending in 4417. A payment in the amount of $114.00 was then set to be collected August 13th. Again, since **. [redacted]’s policy was still enrolled in automatic payments and the payment of $100.04 left a remaining current amount due of $114.00; the RCP bill from July 24, 2013 was collected from the [redacted] ending in [redacted] on August 4, 2013.

On August 6, 2013, we spoke to **. [redacted] and reviewed the payment history with her. As a matter of customer service, we agreed to refund the August 4th amount of $114.00 since it was already scheduled to be collected on August 13, 2013. **. [redacted] then cancelled this payment on August 11th and then rearranged this payment to be collected as originally set up on August 13th. Unfortunately, this payment was declined by **. [redacted]’s financial institution on August 13, 2013.

On August 24, 2013, a RCP reminder was emailed to **. [redacted] in the amount of $328.04 to be automatically drafted on September 4, 2013. A payment of $115.00 was made at our local office in [redacted] on August 28th and an online payment of $114.00 was made on September 2nd. **. [redacted] then scheduled a payment in the amount of $100.00 to be collected September 18th. At this point, a current amount due of $99.40 still remained based on the $328.04 billed on August 24 . In keeping with her enrollment in RCP, the $99.40 current amount due was requested from her bank on September 4th; but was declined by **. [redacted]’s bank. On September 6, 2013, **. [redacted] spoke with a supervisor and we explained the timing of her scheduled payments and partial payments compared to the RCP due date. As a matter of customer service, we agreed to refund the $99.40 back to **. [redacted]’s account.

As mentioned in her letter, **. [redacted] called us to arrange the postdated partial payments made in the month of October. Regrettably, the agent that assisted her neglected to discontinue the enrollment in RCP and a RCP payment was drafted on the due date. On October 13, 2013, we spoke to **. [redacted] and apologized for this oversight and refunded her the drafted payment. We also explained we would refund any related insufficient funds fees charged by her bank. At this time, we discussed changing the effective date of the policy to the 18th of the month thereby adjusting the RCP due date to the 18th to avoid the postponing of payments and confusion associated with the excessive transactions on her policy. **. [redacted] declined this offer.

We apologize if the conversations **. [redacted] had with us did not sufficiently clarify Recurring Card Payments, partial payments, and postdated payments. The majority of these partial and deferred payments were processed at geico.com, without the assistance of an agent prior to October. Based on continued enrollment in RCP, when a partial payment was made and/or scheduled after an RCP due date, the outstanding amount billed will still be drafted on the due date whenever a current balance of the amount billed remains unpaid.

We sincerely regret the difficulty this matter has caused her; however, we are unable to comply with her request for “half off on one month.” We have made every effort to correct any double extraction of funds as illustrated in our explanation above. It is important to note that since March of 2013 **. [redacted] has failed to make a payment for the full amount of any installment billed on our monthly payment plan. To date, we have received no documentation illustrating insufficient funds fees related to her October payment. We remain willing to review any information **. [redacted] may provide to us and she can fax this directly to my associate, [redacted], at ###-###-####.

For your review, we have enclosed the billing information for **. [redacted]’s policy.

I hope this information is helpful in resolving **. [redacted]’s concerns. If you have any additional questions, please contact [redacted] at ###-###-####, extension [redacted].

Sincerely,

Fax: ###-###-####

Email: [redacted]

Review: I was purchasing car insurance from Gieco Inc. on Friday, January 31st. The quote I recieved online was for $310.14. I entered my information and recieved an email staing that they would gather my record and finalize the rest with me after. About two hours later I recieved three emails and the last one stating that my payment was $682.14. I was never asked to confirm or deny the new payment ammount and it was just taken out. They charged me over twice what I was expecting and it is now costing me multiple fees on my banking account that would not have happened if it were not for this charge. I called and cancelled the insurance and asked that they put back the money into my account directly but, got confirmation today that they had not done it automatically but had set up to mail me a check. As far as I know that fact was changed today when I called to get a confirmation of cancellation email which was never recieved contrary to what I was told Friday evening over the phone. This unapproved charge is costing me at least five over draft charges of $37.50 on charges that would not have been placed on if not for Geico.Desired Settlement: I would like for Geico to refund me the $682.14 they took without permission and pay all exsisting overdraft fees that were caused by them overdrafting my account and taking the money that they did not ask to take. If it were not for them taking the money there would be no fees on my account.

Business

Response:

February 19, 2014

Review: ON ABOUT APRIL 12, 2014 SATURDAY, I FILED CLAIM VIA PHONE AND POLICE REPORT ON SITE DUE TO AUTO THEFT..DURING SAID TIME VIA GEICO REP STATED THAT I AM ALLOWED TO GET RENTAL VEHICLE DUE TO THEFT...INWHICH I WAS TOLD THAT I CAN RENT CAR IMMEDIATELY WITHOUT ANY DELAYS AND DUE TO HARDSHIP EXPLAINED TO ( BLACK MALE) REP AT TIME OVER THE PHONE ....THAT I AM DISABLE VET AND STRANDED AT LOCATION OF THEFT WITHOUT ANY TRANSPORTATION HOME NOR IN SAFE LOCATION AT TIME OF INCIDENT/ THEFT. THE REP STATED THAT I CAN RENT CAR IMMEDIATELY DUE TO THE CIRCUMSTANCE AND WILL BE REIMBURSE BY GEICO ...I HAVE PHONE RECORDED STATEMENT AND WITNESS AND HEARD BY POLICE OFFICER ON SCENE ... CUSTOM CLAIMS / SERVICE REP NEVER STATED THAT I HAD TO WAIT 48 HOURS BEFORE SUCH AUTHORIZATION BY GEICODesired Settlement: DEMAND THAT GEICO HONOR AND REIMBURSE RENT FEES OF $127.36 (PROOF OF "[redacted]" RECEIPT AVAILABLE UPON REQUEST)FOR 1ST 48 HOURS OF IMMEDIATE CAR RENAL DUE TO ABOVE CIRCUMSTANCES...ALSO IF I HAVE KNOWN THAT ..I WOULD NEVER HAVE JUMP THE GUN ...IM ON FIX INCOME AND NOT ABLE TO PAY SUCH UNEXPECTED COST

Business

Response:

May 12, 2014Dear [redacted]:Thank you for your May , 2014 inquiry.This inquiry stems from a theft loss to a 1997 [redacted] owned by **. [redacted]. In his complaint to your office, **. [redacted] contends he incurred a rental expense during the first 48 hours after the theft of his vehicle for which he would like reimbursement. Our policy contract with **. [redacted] is quite clear in that we cannot provide transportation expense for the first 48 hours after a theft loss is reported to us and to the appropriate police department. However, in an effort to assist **. [redacted], we agreed to waive this 48 hour requirement and reimburse **. [redacted] up to the policy limit of 30.00 per day for the two days in question. Once **. [redacted] submits the rental receipt, a check will be issued to him in the amount of 60.00. In an attempt to obtain the receipt directly from [redacted], we were advised by them they have no record of a rental for **. [redacted] on those dates. Therefore, he will need to submit his receipts directly to us.If you have any additional questions, please contact **. [redacted], Claims Manager, at ###-###-####, extension [redacted].Sincerely,

Review: I purchased Geico auto insurance, full coverage, on April 2nd, 2013. My monthly premium payment according to my policy was $364. I had the policy from 4/2/13 until 6/21/13. Geico accepted both payments of: $369 which was debited on 4/2/13 and $364 which was debited on 5/2/13. I was in an automobile accident on 5/18/2013, and Geico will not repair my vehicle. They stated that because vehicle inspection photos were not taken within 6 days of the start of the policy, collision coverage was dropped. I was not made away of this. But on the flip side, Geico stated that full coverage was terminated on 4/8/13 but they still charged me the full coverage premium of $364 and debited the funds from my checking account. Geico would not give me a refund nor would they repair my car despite accepting my full coverage premium payment for the month of May. At no point did they pro-rate the premium nor adjust the monthly payments. I also had no-fault and liability coverage as well. This is a no-fault accident. Aside from having the police report which clearly stated that I was not at fault, then Geico doing their own investigation, later declaring that I was not at fault, they still will not repair my vehicle. I do not feel that this is right.Desired Settlement: I would like for Geico to honor the original automobile policy and repair my vehicle seeing as they cashed the premium payment, the accident happened on 5/18/13 and my car is still sitting in an automobile repair shop to date. Something needs to be done. I do not want a refund from Geico, I just would like for my car to be repaired.

Business

Response:

Please see the attached response.

Review: On 9/24/13 I purchased car insurance from Geico. While purchasing the product, I was assured by the agent that I spoke to that the type of coverage I had purchased was complete and covered me in any/all situations. I verified with him that comprehensive coverage was a complete coverage of the vehicle and would relieve me of any responsibility in the case of any unfortunate situation. He again reassured me. Unfortunately on 10/02/13 I was involved in an accident wherein I was trying to avoid an animal that ran out into the roadway and I ended up swerving/colliding into a tree. When I called to file a claim, I was told by claims adjuster [redacted] that I was not covered for the incident because I hit a tree and not the animal. I was informed that had I hit the animal, based on the policy I purchased, I would have been covered. I tried to contact a supervisor at Geico's claim department and spoke to **. [redacted] on 10/08/13. She advised me that I needed to speak to the service department about resolving this confusion. I was transferred to Courtney (male) who that it's up to the claims department and regardless of what I may have discussed with the sales team when I purchased the policy, the conversation was nullified once the documents outlining the provisions of the policy were sent out. Opting for paperless dissemination of the policy details I was left further confused as I fished through the information.Desired Settlement: Since I was mislead by the sales agent I feel as though Geico should honor the policy and stop injecting erroneous/confusing clauses in their sales pitch.

Business

Response:

October 17, 2013

Dear **. [redacted]:

Thank you for your October 14, 2013 inquiry.

This involves a dispute regarding **. [redacted]’s coverage at the time of the October 2, 2013 accident. **. [redacted]'s complaint alleges he requested coverage that “was complete and covered me in any/all situations.” He further notes he verified the information with the representative at the time of the purchase.

Our records show this policy was purchased via the Internet. Addendum 1 is a view of the coverages selected by **. [redacted] on September 24, 2013 for his 1999 Acura. In the course of the Internet inquiry, a recommendation was made to include Comprehensive, Emergency Road Service and Rental. **. [redacted] agreed and the policy was bound with those coverages. Addendum 2 is a copy of the Declarations Page emailed to **. [redacted] on September 25, 2013.

On October 2, 2013 **. [redacted] swerved to avoid an animal. He did not strike the animal, but struck a tree. This loss would have been covered by Collision coverage which, as shown by the attached documents, was not requested at the time of purchase. **. [redacted] subsequently added the coverage to his policy on October 4, 2013. We trust this clarifies the matter.

If further information is needed, please contact [redacted], Claims Manager, at ###-###-####.

Sincerely,

Review: A month ago I got a quote to see how much it would cost to add my boyfriend to my car insurance policy. I only wanted the quote and not to make any changes. Geico added him to my policy without my consent and would not remove him without proof of other insurance. I did NOT want him added at all and had to cancel my whole policy due to their stupidity. They didn't even notify me of the change, and I only found out when my monthly bill became three times what it was before.

Business

Response:

October 8, 2013

Revdex.com

Of Metropolitan Washington DC and Eastern Pennsylvania 1411 K St. NW, 10th Floor Washington, DC 20005-3404 USA

Attention: [redacted] Re: [redacted] Case#: [redacted] Policy #: [redacted]

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 she expresses concern that GEICO has added her “boyfriend” to her policy causing an increase in premium without her implied consent. She has since cancelled the policy and all would like a refund of premium beyond the unearned premium which has already been refunded.

GEICO’s records show that **. [redacted] requested a quote via GEICO.com to add [redacted] to her policy. She informed GEICO that he was her “domestic partner” and resided within the household. She also advised that he would be an operator of the insured vehicle. Due to the information provided and in conjunction with the risk associated with [redacted]’s driving record, he was added to the policy as an occasional operator causing a prorated premium increase of $125.87 to cover the remainder of the policy term from August 5, 2013 until January 1, 2014. Policy paperwork, inclusive of declarations pages were sent to **. [redacted] showing the change in drivers and premium.

It is GEICO’s position that all proper procedures were followed in the handling of the policy in question. GEICO maintains that no further refund is due. All unearned premium has been refunded. If you have any questions, or if GEICO can be of any further service in this matter, please contact me at ###-###-####.

Very truly yours,

[redacted] GEICO’s Executive Office

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 never sent any documents updating me of the change made to my policy. I was not notified at all. They owe me a refund.

Regards,

Business

Response:

October 14, 2013 Revdex.com

Of Metropolitan Washington DC and Eastern Pennsylvania 1411 K St. NW, 10th Floor Washington, DC 20005-3404 USA

Attention: [redacted] Re: [redacted] Case#: [redacted] Policy#: [redacted]

Dear **. [redacted]:

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

In **, [redacted]’s rejection to GEICO’s response, she alleges that she was never sent any paperwork advising of the change to her policy, I have included a copy of the paperwork which was sent showing the change.

It is GEICO’s position that all proper procedures were followed in the handling of the policy in question. GEICO maintains that no further refund is due. All unearned premium has been refunded. If you have any questions, or if GEICO can be of any further service in this matter, please contact me at ###-###-####.

Very truly yours,

[redacted] GElCO’s Executive Office

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 this is the first time I've seen the paperwork that they attached. I never received anything by mail or email.

Regards,

Review: on the 30th of January I came to Geico.com for car insurance. I was quoted $46.00 per month for insurance. I felt this was a reasonable price so I proceeded to purchase this plan. I typed in my debit card information twice because the first time I entered something wrong from the card. The second time I entered the correct information and the next webpage that pops up says "Your monthly rate has been adjusted to $76.00". I DID NOT AGREE TO THIS RATE. When I tried to go back to the previous page, I couldn't modify anything nor stop the payment process.Desired Settlement: My account was over drafted due to this purchase. Today my account is -37.00 and I havn't been able to use my account becuase of this. I've already spoken Geico and there are blaming me for this and wont pay the fees I accured from trying to get insurance from the website. I feel that it is bad business to quote one price and charge another.

Business

Response:

May 10, 2013

Review: On January 3rd 2014, I called Geico to ask a question about my car. They opened a claim without my consent.reported a fake damage. When I went ahead and asked them to remove it they said it is already opened and they can not remove it. NOw I have a fake claims and a fake damage on my record....Desired Settlement: Yes I want it to be removed from my record

Business

Response:

January 7, 2014

Review: I cancelled my policy 8/15/13. Geico did not inform me that they would be taking out my payment the next day, even though I cancelled the policy. I called on 8/16/13 regarding the issue and was informed that I would need to wait 5-7 business days to receive a refund as a paper check. I called today 8/27/13 as 7 business days have passed and I did not receive the check. The associate today told me that I should have been told it would take 7-14 business days and I should receive it in the next 3-5 business days.

I am very upset because the payment was not authorized by me and they appear to be giving me the run around regarding when I will actually receive this check.

Business

Response:

September 10, 2013

Dear **. [redacted]:

Thank you for your letter, received by GEICO on September 5,2013, to [redacted] regarding [redacted]’s policy. **. [redacted] asked that I respond on his behalf and I welcome the opportunity to do so.

We apologize for any misunderstanding **. [redacted] had regarding per automated payments on her policy. In the circumstance where an automatic payment is scheduled to be withdrawn from a customer’s banking account, GEICO needs 3 days prior to the scheduled extraction date in order to cancel a payment. All automated payments are established prior to the extraction date so the respective bank is able to withdraw the payment on the appropriate date scheduled.

We apologize if **. [redacted] was not aware of this. **. [redacted]’s refund of $252.00 was processed on August 27,2013.

I hope this information has been helpful. If you have any additional questions, you may call my associate. [redacted] at ###-###-####, extension [redacted], and he will be glad to assist you.

Sincerely,

[redacted] Underwriting Supervisor GEICO Insurance Companies

Review: I've been a customer with Geico 1995. It was nice to know they offer mechanical breakdown on new vehicle. This is a nice feature, however, Geico doesn't tell the customers that this coverage has a limit. I found my declaration this weekend. no aware does it state limitations on mileage or coverage for mechanical breakdown. If I knew this I would not have refused other opportunities I had to cover repairs. When I called the mechanical breakdown department to make a claim for the air-conditioning I was told it wasn't covered, since the SUV had 100,200 miles. the estimate from [redacted] is $1100.00. Here today I still have nothing stating what I was told. The only thing the customer service was interested in was removing the mechanical breakdown coverage from the policy to release Geico's liability. My declaration says, $250.00. It does not state any exclusion for breakdown coverage in years or mileage.

Product_Or_Service: Insurance

Order_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

IO think Geico should have honored this claim with$250.00 deductible like the declaration says in BOLD WRITING.

Business

Response:

April 14, 2014

Review: GEICO mishandled my vehicle's policy transfer

Policies Involved:

[redacted] (states as policy B in below description)

[redacted] (states as policy A in below description)

Involved Vehicle: Acura Integra

GEICO Claim: [redacted]

My husband and I have been long time GEICO customer; we had a joint GEICO policy A of our two vehicles Acura Integra and Honda Odyssey, have excellent driving record.

In July of 2011, my husband and I have separated. He moved out took Acura Integra. When the policy came up for renewal on Nov. 1, 2011, according the GEICO agent (who took the payment), I decided to keep Honda Odyssey I drove, continue stayed in policy A; asked my husband to insure Acura Integra separately. From Nov. 1 2011 to Nov. 1 2012, the Acura Integra was insured by GEICO in B under my husband.

In Sept., 2012, my husband left the country working overseas. Acura Integra has been parked in my driveway since. I occasionally drove it to keep the battery from dying. When the renewal date approached of both policies, which was Nov. 1, 2012, I wanted to discuss with him how to insure Acura Integra. However, he was not reachable before the policies’ due date.

On Nov. 4, 2012, I drove Integra for the purpose of charging the battery. At the exit of a local mall, I was the second car in line waiting at a light; it began to move slowly forward while my foot on break, I was unable to stop it until it bumped the car in the front. The only damage from the incident was two screw marks on the rear bumper. [redacted], the other driver, his mother [redacted] and I have exchanged the insurances information at the scene. Because the damage was so insignificant, we all agreed there was no need to contact the insurance companies of the incident.

That evening when I got back home, because of the incident, I felt the urge to make the decision insure Acura. Again my husband was not reachable. I called GEICO to renew the policy (it was 3 days late for both Odyssey and Integra). I explained and specifically mentioned the incident to GEICO agent of Acura Integra and asked for advices of which policy it should be? I I had earlier that evening. GEICO agent indicated that either way would be acceptable, due to my husband was away, it made better senses of taking Integra back to my care. After the confirmation from GIECO that Acura Integra’s coverage would be started at 11/1/2012 (the same as if it stayed on B), I made the decision to transfer Integra back to A.

I did receive Acura Integra’s insurance card from GEICO stating that Integra was covered under A starting from Nov. 1, 2012 on.

[redacted] called days later, informed me the repair cost would be $500 +; she suggested to contact GEICO. The claim was filed.

Shortly after the claim, GEICO adjuster [redacted] called; stated GEICO would not cover the loss of 11/4/2013 of policy A. I requested a detailed explanation.

[redacted] called informed GEICO denied the claim because I had enroll the Integra to A on 11/04/2012, a few hours after the incident. I explained the reason I transferred Acura Integra back to A was simply because of I could easily handle any possible claim, I told [redacted] I did mention the incident to GEICO agent before the decision of transferring, the transfer was made based on the information received from GEICO agent which Integra’s coverage would begin on 11/01/2012. And also because of Integra has transfer to A, I did not make the payment of policy B on 11/4/12, therefore B has been terminated. I told **. [redacted], that I have the valid insurance card in hand which sent by GEICO showing that the Acura Integra was covered by my GEICO policy B began on 11/1/2012. At this point, **. [redacted] has started behaving unprofessionally, yelling at the phone: “… you lied about the accident; therefore the GEICO agent insured your car. I will change the beginning date to 11/4/2011 so GEICO won’t pay for your loss ... I am going to refund you 3 days payment and your loss won’t covered, that’s final”… … he hung up on me, left me very confused.

Conclusion:

On 11/4/12, I had a choice of either letting Acura Integra stay in B or transfer it to A. The decision to transfer the Integra back to A was strictly based on the information received from the GEICO. The policy B was terminated by discontinues the payment (on 11/4/2013) because Integra was successfully transferred back to A with coverage started at 11/01/12 was confirmed, there wasn’t a reason to have Acura Integra in two GEICO auto insurance policies.

Since my conversation with **. [redacted], I have talked with many GEICO employees trying to explain my situation, what has truly happened, and hope to reach a fair agreement. I’ve spoken to **. [redacted]’s manager [redacted], and peers [redacted], and several others. Some of them seemed do understand the circumstances I have been involved and have expressed their willingness to assist me; however, they went away and never called me back as they have premised.

On 08/23/13, [redacted] has called back on behalf of GEICO management office; GEICO would not change their decision because they saw Integra’s policy B was ended at 11/02/12, on their record, the policy A has not been starting until 11/4/12. She declared that it didn’t matter what’s the root cause might be; the claim must be denied according the record, the 3 days of Acura Integra’s insurance has been taken away from A would be treated as it had never happened.

I feel I was mistreated and manipulated by GEICO’s misconduct; I have been trapped from GEICO’s unfair practice.

I am asking GEICO to reevaluate the claim, for a fair judgment.Desired Settlement: GEICO

to review the two involved policies (policy A and policy B), and the transfer scenarios;

to re-open the claim;

to re-install the 3 days that [redacted] took off from Acura Integra's policy;

to fulfill GEICO's obligation and liability of insured Vehicle Acura Integra, make payment to 11/4/2013's loss.

Consumer

Response:

---------- Forwarded message ----------

From: [redacted] <[redacted]>

Date: Fri, Sep 13, 2013 at 11:05 PM

Subject: Re: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint #[redacted].

To: "[email protected]" <[email protected]>

Cc: "[redacted]" <[redacted]>

Dear Revdex.com officer, I have a correction to make - at the end of my complaint, the section of Desired Outcome, I have mistakenly entered 11/04/2013 as the date of loss, it shall be 11/04/2012. Your time and effort is greatly appreciated. Many thanks and sincere regards, [redacted]

Business

Response:

Review: I called the insurance company at their toll free number to purchase a renter's insurance policy. The representative asked for my full credit card number, and I provided it. After getting off the phone, I never received an email confirmation of my transaction; I am told these emails are automatically generated after such a transaction is made. When I called the next day to inquire about said email, I was told they did not have the capability to email it to me and referred me to [redacted], the company that writes the policy. [redacted] told me they have no record of my policy. Because of this, I now have concerns about credit card fraud.Desired Settlement: I wish for this to be investigated and for someone at the company to verify whether or not there was a legitimate employee by the name of [redacted] who supposedly wrote me a policy. I got off the phone with him around 2:50pm Pacific time on 12/22/13. Given the fact that I gave him my full credit card number over the phone, and received no confirmation email (I checked my spam box), and [redacted] states they could not find my policy in their system, I am suspicious that my credit card number was stolen. I wish for a reasonable compensation for the trouble and frustration this has caused me,

Business

Response:

January 2, 2014

Dear **. [redacted]:

I am writing to you in response to **. [redacted]’s correspondence.

GEICO Insurance Agency, Inc. (GIAI) is a sales agent for [redacted] Insurance. As an agent we must abide by the rates, rules and guidelines set forth by the carrier. All service and claims are handled directly by [redacted].

**. [redacted] purchased policy [redacted] on December 22, 2013 with an effective date of December 23, 2013. When a policy is purchased, the [redacted] system will post the informaton after midnight the following day. After the next day cycle, the policy information is mailed to the customer.

The attached information was mailed to **. [redacted]. If he chooses to receive his information electronically he may sign up for paperless communication at www.myassurantpolicy.com.

If you have additional questions or concerns, please contact me at ###-###-####.

Sincerely,

Business

Response:

January 2, 2014

Dear **. [redacted]:

I am writing to you in response to **. [redacted]’s correspondence.

GEICO Insurance Agency, Inc. (GIAI) is a sales agent for [redacted] Insurance. As an agent we must abide by the rates, rules and guidelines set forth by the carrier. All service and claims are handled directly by [redacted].

**. [redacted] purchased policy [redacted] on December 22, 2013 with an effective date of December 23, 2013. When a policy is purchased, the [redacted] system will post the informaton after midnight the following day. After the next day cycle, the policy information is mailed to the customer.

The attached information was mailed to **. [redacted]. If he chooses to receive his information electronically he may sign up for paperless communication at www.myassurantpolicy.com.

If you have additional questions or concerns, please contact me at ###-###-####.

Sincerely,

Business

Response:

January 2, 2014

Dear **. [redacted]:

I am writing to you in response to **. [redacted]’s correspondence.

GEICO Insurance Agency, Inc. (GIAI) is a sales agent for [redacted] Insurance. As an agent we must abide by the rates, rules and guidelines set forth by the carrier. All service and claims are handled directly by [redacted].

**. [redacted] purchased policy [redacted] on December 22, 2013 with an effective date of December 23, 2013. When a policy is purchased, the [redacted] system will post the informaton after midnight the following day. After the next day cycle, the policy information is mailed to the customer.

The attached information was mailed to **. [redacted]. If he chooses to receive his information electronically he may sign up for paperless communication at www.myassurantpolicy.com.

If you have additional questions or concerns, please contact me at ###-###-####.

Sincerely,

Business

Response:

January 2, 2014

Dear **. [redacted]:

I am writing to you in response to **. [redacted]’s correspondence.

GEICO Insurance Agency, Inc. (GIAI) is a sales agent for [redacted] Insurance. As an agent we must abide by the rates, rules and guidelines set forth by the carrier. All service and claims are handled directly by [redacted].

**. [redacted] purchased policy [redacted] on December 22, 2013 with an effective date of December 23, 2013. When a policy is purchased, the [redacted] system will post the informaton after midnight the following day. After the next day cycle, the policy information is mailed to the customer.

The attached information was mailed to **. [redacted]. If he chooses to receive his information electronically he may sign up for paperless communication at www.myassurantpolicy.com.

If you have additional questions or concerns, please contact me at ###-###-####.

Sincerely,

Review: I was in a car crash in oct and Geico sent me to a geico express shop , I have a 2009 [redacted] they told me my was worth 21,000 and the damages to my car were little over 10k after looking in to it the retail value for my car is not 21k it is $15,984 and after the wreck with repairs and stuff done it it the value of my care is now under 7k !!! I still do not feel safe in my car at all nor do I want to put my family in it ! the geico rep at the body shop when I expressed my concerns told told me to " Shut the [redacted] up and listen " ! I have never been so disrespected in my life ! I can not express how much I DO NOT feel safe in my car even after the car is "fixed" and it isn't even fixed correctly there are still issues that I have pointed out !Desired Settlement: I want my car totaled out , I no longer feel safe putting myself , or my wife whom is with child in it !!!!! I also want the geico rep addressed for how I was spoken too ! I have left his supervisor 4 voicemails and have called 25 times and she has still yet to call me back and or pick up her phone !!

Business

Response:

December 30, 2013

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: October 17, 2013

COMPANY: GEICO Casualty Company

Dear **. [redacted]: