Geico Corporation

Our sunroof was damaged by a falling object. We contracted GEICO - thinking that if you have full glass coverage it would be covered. Not in Florida! So we had to pay the $500 deductible. That is ok, but then they wanted us to go to their glass vendor. They could not verify that the vendor near us was any good since they hadn’t used them. We requested that we take the car to our dealer. After multiple phone calls we were approved to take it to the dealer. The glass would come from the Geico glass vendor. Our dealership worked with the glass dealer, completed all needed paperwork. Waited a few days to receive thee glass and once received did the work. Their cost to Geico was < $500 after our $500 deductible. We contacted Geico to let them know the car was fixed. We are at day 5 waiting for payment. We have spoken with Geico, supervisor multiple times. They have still not paid the dealer and they said we can pay the full amount and they would reimburse us! What is the point of having insurance! My husband has literally spent hours on the phone with Geico! This is obscene. Worst customer service I have ever had to deal with. I can’t even imagine If we had a major issue how this would be handled! We will drop Geico and we encourage anyone else that is reading this to drop them or not take them! They are AWFUL!’

My husband was in an accident with a girl that ran a red light She has liability insurance with GEICO She admitted fault to the police, it's on the report, plus there was an eye witness that gave his statement of her fault My husband was able to get a hold of Geico one time to give his statement We called numerous times, just to get an answering machine from the lady that was assigned to our claim We finally went through our insurance after not hearing from GEICO in a week because my husband was without a vehicle Our insurance, American Family, went over his case and said that he is not liable, but they are covering everything until it is settled with GEICO Finally after weeks, we received a letter in the mail Low and behold they denied our claim, even with the report and the girl admitting fault for running the light Now we will go into arbitration with GEICO It will more than likely take us a year or so to get our money back from an accident that they should cover We are spending more than a $out of our pocket Since our claim, I have been checking into GEICO and their practices Our insurance said that this is becoming common with GEICO in the last couple of years I was stunned at the way they even treat their own customers I guess it is true that you get what you pay for in this case The customer service was horrible, they didn't even have the decency to call us, they sent a letter in the mail! Of course we are fighting this claim, but in the meantime we are out of our own money and more than likely our insurance will go up How can a company get a way with such dishonest practices? Before you buy GEICO for your insurance, google them and lawsuits, or go to consumeraffairs.com I have never had such a disrespectful dealing with insurance

I am writing to you in response to Ms [redacted] ’s concerns outlined in your June 10, letterGEICO Insurance Agency, Inc(GIAI) is a sales and service agent for multiple insurance carriersAs an agent we must abide by the rates rules and guidelines provided by the carrierAll rates and terms are set by the individual carrierMs [redacted] purchased a homeowner policy placed through [redacted] Insurance effective July 29, The policy has renewed annually until the termGIAI has dissolved their agency agreement with ASIASI is non-renewing all current policies issued by GIAIGIAI in turn is actively providing replacement policies with alternate carriers for consumers effective as of their renewal dateMs [redacted] ’s ASI policy will non-renew effective July 29, A replacement policy was put in force effective July 29, provided through [redacted] to provide her continuous coverageWhile this change was taking place, Ms [redacted] contacted our office and advised that the residence should be covered as a condo and not a standard homeA new policy was issued with [redacted] to cover the residence as a condo effective June 10, Ms [redacted] ’s ASI policy has now been cancelled effective June 10, A signed request is required by [redacted] to terminate a policy in the state of GeorgiaAs soon as Ms [redacted] ’s signed request is received the replacement [redacted] policy will be cancelled as of the effective dateAll policies were issued at the request of and with information provided by Ms [redacted] Each year a policy package was provided to Ms [redacted] outlining the coverage providedIn the residence was presented to our office as a standard homeAs soon as Ms [redacted] informed our office that the residence was a condo, the coverage was reissued with the newly requested coverageIf you have additional questions or concerns, please contact me at ###-###-####Sincerely, Jeff B [redacted] GEICO Insurance Agency, Inc

October 7, Dear [redacted] :We have received [redacted] ’s rejection to our responseIn his rejection he states he was never involved in an accident and it is disappointing that GEICO would make up a blatant falsehoodHe states he always paid his premium on time or early.We apologize that [redacted] does not recall being involved in an accident on November 12, at approximately 2:33pmThe claim notes indicate that [redacted] was driving a [redacted] and he reported the loss to our office.Our records do not coincide with [redacted] always paying his premium early or on timePlease See the attached Statement of account which shows cancellation notices Inailed after the regular installment date had passed,We apologize that [redacted] does not agree with the facts pertaining to his policy.I hope this information will assist you in resolving this matterIf additional information is required, please contact Terry B [redacted] at ###-###-#### ext, or via eImail at [redacted] .Sincerely, John LAVP Underwriting

July 24, 0in 0in 0pt" class="MsoNoSpacing"> [redacted] Revdex.com K ST NW 10TH FLOOR WASHINGTON DC 20005- Regarding: [redacted] Policy No: [redacted] ID No: [redacted] Dear [redacted] ***: We received your letter regarding [redacted] ***’ payment for $which was applied to his previous policy On July 17, [redacted] obtained a quote online for a new policy He was given a six month rate of $ A payment of $was required to begin this policy [redacted] accepted this rate and provided his credit card number and continued to purchase After [redacted] corrected his driver’s license number our system was able to identify him as a previous policyholder An updated premium page was then viewed by [redacted] showing a new six month premium and also indicated that he had a balance of $due on his previous GEICO policy that cancelled on August 30, [redacted] proceeded to select the “continue to purchase” button and the payment was taken Based on the fact that [redacted] already provided his credit card information and was informed of the previously owed earned premium before electing to continue with the purchase of the policy, his payment will not be refunded We do not believe this payment was taken “against his will” as he was the party that input the payment information online If you have additional information regarding this matter, please contact Kim G***, at ###-###-####, extension *** Sincerely, Joseph [redacted] T [redacted] Virginia Beach Regional Office GEICO Indemnity Insurance Company

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because:The first payment was from the previous policy that I had with GeicoWhich I don't see on the attachmentThis tells me that the documents has been alteredThat next payment was an error made my a family member of mine since I was out of town for my birthdayThere was an error that she made with the payment which [redacted] (Manager for Geico) has found and confirmed that this was an error but wouldn't give me the chance to fix the paymentAfter finding that the error payment wasn't my fault he still wouldn't let me fix the problem because Geico was trying to get out of paying my claimThe response from Geico is in fact incorrect as there is information missing from the documents provided.I have already started my processes and shouldn't have to respond to this but I have to defend myselfI've been through enough stress with Geico and will never use them againI have already spoken with several friends, family, and colleagues on my experiences with Geico and a lot of them are switching insuranceI would like to thank Revdex.com for taking the time to help meI will leave the rest to my attorneyI won't be writing anymore responses unless it defames my character Regards, [redacted]

May 25, Dear [redacted] —I have recently received your complaint response letter dated May 16, 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, DCPlease do not consider my file closed; I will continue to labor this complaint until it is honestly and fairly resolvedYou 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, was told in August that I had two options to remove [redacted] from our plan; • Have [redacted] move out.• Have [redacted] give up her drivers licenseI was told to let GEICO know when [redacted] moved out, and GEICO would change our familys car insurance at that timeI was not offered any legal document from GEICO that would allow me to sign her off our insuranceIf I had been offered this option, I would have taken action at that timeIn 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 GEICOWhen requested the form, I was told it would be emailed to me that dayIt never came, and after a week, I had to call GEICO back and request the form againFor 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, until May 1, so that the truth can be day-lighted and this complaint can be honestly and fairly resolved

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: They are stating that they notified me via email regarding the debit amount, and again I say, if I was aware of a debit of that amount, I would have called Geico and inquired about it ahead of timeI was not financially prepared to have that amount come out of my account for Geico It caused me to delay my other plans (since that was my birthday weekend) For me, the bottom line remains, that I was unaware that changing my due date would cause an increase in my debit amount That was not stated to me at the time I called, nor was it stated to me via email, as they are suggesting If I was aware, I would have planned accordingly I would not be this upset if I knew ahead of time I am a new customer with Geico, looking to soon cancel my policy because of this poor service, and I feel they are being unreasonable in terms of not giving me a credit or refund My policy with Geico is $per month I am looking for a refund of $90, which is what they charged me for changing my due date Regards, [redacted] ***

March 6, Dear ***:This is in response to your correspondence received in our Washington, D.CExecutive OfficesIt was referred to the [redacted] , TX Regional Office for a reply.***’s concern over the cost of his insurance is understandableGEICO strives to provide the best coverage at the lowest possible rateThe renewal documents show an increase in premium that was effective in Texas for policies renewing effective December 9, and later.** [redacted] s GEICO automobile policy renewed effective September 21, through March 21, at a premium of $***'s Defensive Driving Discount had expired and was noted on the Important Policy Information Section of the Renewal Declarations Page (copy enclosed).** [redacted] contacted GEICO on August 19, The Defensive Driving Discount was re-added effective August 20, as well as adding a Multi-Line Discount effective May 7, (copies enclosed)These discounts reduced ***'s six-month policy premium to the amount of $196.20.***’s policy renewed effective March 21, through September 21, at a premium of $208.30, indicating a total renewal premium increase of $The premium increase is due to the statewide rate increase GEICO implemented and the deletion of the Multi-Line Discount as the additional policies with GEICO are no longer active, per the Important Policy Information Section of the Renewal Declarations Page (copy enclosed).We appreciate the driving record ** [redacted] has maintained; however, in order for the insurance system to work, each customer pays a relatively small portion of the total premium needed to cover the costs of the accidents of all policyholders in the groupInsurance companies pool the premium of many people to pay for the losses of a fewBut if the cost of paying for the accidents of the group increases rates eventually may increase for all the customers in the group, even for those not filing clai**.** [redacted] can reduce his rates through the many discounts we offerHe can contact the below Customer Service Department at his convenience to discuss the applicable discounts.If you need additional information please contact [redacted] by telephone at ###-###-#### from 8:am to 4:pm CST or by email at [redacted] .Sincerely

August 22, Dear [redacted] ***:Thank you for your August 15, inquiryOn August 12, [redacted] reported mechanical parts had been stolen from her vehicle, a [redacted] , while it was parked on the shoulder of the roadWe have been in contact with [redacted] regarding her lossOn August 18, [redacted] called and withdrew her claim.We sincerely regret any inconvenience [redacted] experienced during our handling of her lossWe believe we handled her claim appropriately and in accordance with the provisions of her policy,Should you have any further questions, please contact Claims Manager, Kim R [redacted] , at ###-###-####.Sincerely,Carl *T Assistant Vice President

June 18, 2015Dear [redacted] I am writing to you in response to [redacted] ’s concerns about the homeowner insurance premium.GEICO Insurance Agency, Inc(GIAI) is a sales and service agent for [redacted] InsuranceAs an agent we must abide by the rates rules and guidelines provided by the carrierAll rates and premiums are set by the carrier[redacted] purchased homeowner coverage placed through [redacted] on September 9, to be effective on September 10, At the point of sale all policy coverage deductibles and the premium of $1,were discussedOnce the policy was bound a policy package outlining all of the terms and conditions of the policyThe package displays the annual premium of $1,GIAI did not have any further contact from [redacted] until May 11, when she called in about the premiumDuring her May call the deductible was changed per her request to lower the premiumA $refund was sent to [redacted] for this change[redacted] contacted GIAI on June 6, and requested to terminate the coveragePer her request coverage was cancelled effective the same dayA pro-rated refund of $was returned to [redacted] As all rates are set by the carrier, GIAI does not price match or guarantee a policy premium will be lower than any other carrierPremiums are presented based on the rates offered by a carrier for the underwriting criteria of a customerThe policy premium was generated by [redacted] and accepted by [redacted] The annual premium was provided verbally to [redacted] and confirmed in writingIf you have additional questions or concerns, please contact me at ###-###-####Sincerely, Jeff B

Please stop lying! I planned a schedule to meet and inspect the car; however, I am tired of Geico making claims that I particularly choose this dealership I requested him to stop saying it was my choice because I knew NOTHING about dealerships I simply told Geico that I wanted a [redacted] CERTIFIED dealer to repair my car They came back to me with this companyMatt called me the day we were suppose to meet to argue with me over the phone over me saying, "Please don't continue to say my choice of dealership." He then started to disrespect me and said I can have someone else other that myself call (from Matt) He also told me I can report this to Revdex.com, so I thanked him for his time (being polite) and hung up the phone and reported Geico I am scared to be around someone that won't respect me or has no concern on repairing my vehicle Below is the email I sent Matt on May 12, Matthew, You called me at am on May 12, saying I am belittling you, which I was NOT I stated that I do NOT want you to continue to state that it was my choice to choose this repair shop...it was NOT my choice of choosing the dealership of repair You couldn’t accept that and states “ [redacted] , I will give you another representative” I am NOT going to be bounced around and with attitude towards me, it’s not appropriate for someone to meet (I am nervous) to meet with someone that can’t treat a customer with respect and understanding with all the issues that has happenedSince you made that call, I will report it to Geico HQ, as well as Revdex.com on a car that is not in a condition prior to the wreck both physically and drivabilityI am sorry you couldn’t respect that I did NOT want you to continue to make a claim about being my choice of dealership I mentioned the only thing I wanted, which you evidently ignoredI received a call from Matt on May but I was studying for a test and didn't have time Matt lost the time permitted with his rude actions I didn't call back because I was waiting for someone at HQ to give me a call from this Revdex.com; however, it seems that Geico is not taking this serious [redacted] [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: Regards, [redacted]

March 14, Dear [redacted] ***:Thank you for your March 10, inquiry.At the time this claim was first reported [redacted] was given the choice to have her vehicle repairs completed at any repair facility of her choosingShe ultimately decided to use [redacted] ’s Paint & Body which is a repair facility in our guaranteed repair program [redacted] 's Paint & Body repaired [redacted] ' [redacted] in November of [redacted] ’s completed the necessary repairs to the passenger side and also replaced the pinstripes on that same sideApproximately one year later [redacted] brought her vehicle back to [redacted] ’s for some minor paint chipping of the passenger-side fender and the passenger-side front door [redacted] ’s repaired the paint chips for those two areas free of chargeRecently, in January 2014, [redacted] brought her vehicle back to [redacted] ’s Paint & Body due to the paint peeling in a few areas on the passenger-side front door onlyThe vehicle was reinspected by our adjuster and the shop manager.When the original vehicle repairs were completed in the passenger-side front door was replaced with a brand new doorHowever, when the vehicle was reinspected in January the door was found to have been repaired since the original repairs in The passenger-side front door has newer paint over body-filler and there are also newer pinstripes presentThe remainder of the passenger side still has the older stripes and older paint used in the repair.At this time neither we nor [redacted] ’s Paint & Body feel anything is owed towards the refinishing of this passenger-side front doorIt is evident in the past six years since the vehicle was brought back to [redacted] ’s, some additional paint and body work has been performed on the passenger-side front door, and it is this repair which is causing the concern.We trust this information is sufficient for you to close out this complaint accordinglyHowever, if you have any additional questions or concerns regarding this issue, please feel free to contact [redacted] , Auto Damage Manager, at ###-###-####.Sincerely,

July 24, 2014Dear [redacted] ***:Thank you for your letter of July 10, 2014, regarding [redacted] ***s claim.We have reviewed this matter further and based upon our investigation, [redacted] ***s policy was set up to be effective May 19, for the [redacted] and there is no record to indicate she requested comprehensive or collision coverage [redacted] has not been charged a premium for comprehensive or collision coverage since the inception of the policyPolicy documents were sent to [redacted] in six month intervals confirming available coverage and there was never a request to add comprehensive or collision coverage to her policyWe spoke to [redacted] on July 17, to advise her of our findings.However since this vehicle did have comprehensive and collision coverage while on GEICO policy number [redacted] , we are willing to offer those coverages to her in exchange for the amount of the premium which would have been owed dating back to the inception of policy number [redacted] .We spoke with [redacted] on July 21, and advised her of the same, she requested that we email her the information and she will get back with us with her decisionWe emailed the letter to her on July 22, and we are awaiting a response from her.If you have any questions, please feel free to contact Ebonie J***, Claims Manager, at ( [redacted] extension ***.Very truly yours,George *RRegional Vice President

April 8, Dear [redacted] ***:This is in response to your correspondence received in our Washington, D.CExecutive OfficesIt was referred to the Dallas, TX Regional Office for a reply.** [redacted] had an accident on September 13, ** [redacted] contacted the GEICO Claims Department for the [redacted] to be towedThe towing request was declined as ** [redacted] did not carry the Emergency Road Service coverage.On March 7, 2014, ** [redacted] gave permission for her father, [redacted] , to discuss and make policy changes indefinitely as an authorized party,On March 8, 2014, ** [redacted] , or an authorized party, Contacted the Customer Service Department to replace the [redacted] with a [redacted] ***, The coverages included: Bodily Injury Liability, Property Damage Liability, Personal Injury Protection, and Uninsured Motorist Bodily Injury and Uninsured Motorist Property Damage, Comprehensive, Collision, and Emergency Road Service at a six-month premium of $(copy enclosed).The renewal for the policy term of June 1, through December 1, was mailed March 28, at a policy premium of $for the [redacted] ***The coverages included: Bodily Injury Liability, Property Damage Liability, Personal Injury Protection, and Uninsured Motorist Bodily Injury and Uninsured Motorist Property Damage, Comprehensive, Collision, and Emergency Road Service (copy enclosed).Upon further review of ** [redacted] ’s policy, we discovered we had inadvertently adjusted the rate levelWe have today corrected ** [redacted] s policy and sent revised renewal paperwork effective June 1, at a six-month premium of $543,We have left a message on ** [redacted] ’s voicemail to return our call so that we may advise her of the policy correctionWe apologize for any inconvenience this may have caused.If you need additional information please contact [redacted] by telephone at ###-###-#### from 8:am to 4:pm CST or by email at [redacted] .Sincerely

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: of lies written in response to my complaintI have never applied for $250,coverageThe Geico made it look that wayThere was no document sent to me for "lowering the amount"On the other hand, Geico sent me a subrogation claim of $I insist those vile things Geico did to a disabled customerI maintain my claim for $4,for embarassment Regards, [redacted] ***

August 18, [redacted] Revdex.com K ST NW 10TH FLOOR WASHINGTON DC Claim Number: [redacted] Insured: [redacted] Date of Loss: August 1, Complainant: *** [redacted] File Number: [redacted] Dear Mr [redacted] : We are in receipt of your recent correspondence Mr [redacted] reported the loss to his [redacted] on August 1, On August 6, 2015, our adjuster inspected the vehicle at ***’s Body and MechanicalAn estimate was provided and payment was issued co-payable to Mr [redacted] and his lienholderMr [redacted] had not yet chosen a body shop to perform the repairs on his vehicleThe estimate provided included the use of a CAPA certified aftermarket bumper cover On August 10, 2015, our supervisor received a call from Mr [redacted] about the use of aftermarket parts on his vehicleMrR [redacted] reviewed the estimated and advised that the like, kind and quality parts are guaranteed for the fit and finish for as long as he owned the vehicleWe will work with his shop of choice to restore his vehicle to pre-loss condition Following the original inspection, we reviewed the damage at [redacted] on August 12, to ensure all damages were accounted for on the estimateAn estimate was prepared and payment was issued to Mr***’s chosen shop Thank you for the opportunity to address your inquiryPlease let us know if you need anything further Sincerely, Joseph RT [redacted] Virginia Beach Regional Office GEICO Casualty Insurance Company NAIC #

December 22, 2014Dear [redacted] ***: Thank you for your December 12, inquiry, We researched [redacted] ’s concerns and regret she had difficulty settling her claim, our records indicate we handled a claim on her [redacted] for a June 27, lossIn reviewing the complaint fully, we learned there were circumstances out of our policyholder’s control which led to an extended period of time prior to the repairs beginning on her vehicleWe agree the rental for this time period should not be at her expense and we will gladly assume responsibilities for those rental charges which were incurredWe will process the payment as quickly as possible and forward a reimbursement payment of $433.35.If you have any additional questions, please contact our South Carolina Field Manager, Doug P [redacted] , at ###-###-####Sincerely,Carl T Assistant Vice President

July 28, 0in 0pt"> [redacted] Revdex.com KStreet NW, 10th Floor Washington, D.C 20005- Re: File Number: [redacted] Policy Number: [redacted] Complainant: [redacted] Dear [redacted] ***, This is in response to the complaint [redacted] filed with your agency on July 17, On July 18, 2014, underwriting supervisor Rhonda T [redacted] spoke with [redacted] and resolved the concerns expressed in the complaint [redacted] was satisfied with the handling of his policies and thanked MsT [redacted] via email We are committed to providing outstanding service to our policyholders and apologize if [redacted] ***’ expectations were not met We appreciate his patronage If additional information is needed to close your file, please contact Bertha B [redacted] at ###-###-#### or [redacted] Sincerely, Heather M [redacted] Assistant Vice President

September 11, Dear [redacted] ***:I am writing to you in response to [redacted] ’ rejection of our September 3, responseUnfortunately [redacted] is confused about what is considered filing a claim in the insurance industryFiling a claim with an insurance carrier does not require a police report only that the customer to contact the claim department for review of potential coverage [redacted] contacted GEICO Insurance Agency, Incat 12:57pm EST and 1:09pm EST on September 28, requesting a letter stating that the stolen items are not covered to provide to Child Protective ServicesOn both phone calls [redacted] was transferred to the Liberty Mutual Claim DepartmentThe only way to state that an incident is not covered is to have a claim opened and reviewed for potential coverageIf, as [redacted] states, she did not intend to ask for reimbursement there would not be a reason for her to contact [redacted] or GEICO Insurance Agency, Incabout the incidentAs [redacted] contacted both companies to report the loss, the claim was handled and reported correctlyAs stated in our previous writing, no additional funds can be provided to [redacted] and the claim history report cannot be altered.If you have additional questions or concerns, please contact me at ###-###-####Sincerely,Jeff B GEICO Insurance Agency, Inc