Geico Corporation

May 21, 2014To Whom It May Concern:Thank you for your follinquiry of May 14, 2014.On February 21, 2014, our insured, *** **, reported water somehow entered the engine of his *** ** 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 warrantyUnfortunately *** ** is unable to identify a specific date or occurrence wherein water could have entered his engineOn 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 engineThis theory did not seem feasible considering *** ** confirmed the hood of his *** remain closed during any storms and it is unlikely quarts of melted Snow could have entered the engine since there was no evidence of water in the intake.We notified *** ** 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 perilIn an effort to verify the source of the engine failure, we have authorized a Cause & Origin (CO) test to be completed by Sea Limited, independent forensic engineersWe initiated the referral on May 2, and expect to have results from the CO test within days.We received the results of the CO test on May 19, 2014, and the forensic engineer verified water entered the gas tank and caused the engine to hydrolockWe have agreed to handle *** **s claim as vandalism and spoke to *** ** on May 20, 2014, to advise sameWe issued a check for $5,on May 21, 2014, to *** Auto Group at the request of *** ** for the repair of his ***.Should you have any further questions, please contact *** ***, at ###-###-####.Sincerely,

July 14, 2014Dear *** ***:Thank you for your letter of inquiry dated July 3,2014.On June 24,2014, *** ***, the fiancee of *** who was listed on her policy, reported this claim to usWe advised him that we would need a police report to verify the date of
loss of the accident, as well as a bill of sale of the vehicleThe *** involved in the loss was just added to the policy on June 5,*** was advised that once we had the police report and bill of sale, we could then verify good coverage for the claim and proceedOn this same call, an inspection was set up at the address provided by ***.On June 25,2014, *** called into us to get the information of a repair facility that she had used previously for repairs on a prior claim, Later that afternoon, *** called into us with a repair shop on the phone to reschedule the original estimate set up by ***On June 27,2014, *** *** ***, ***’s repair shop, contacted us and we advised them our coverage investigation was still pending.On July 2,we spoke with *** *** *** and we had not yet received the bill of sale or police report in order to verify the date of loss and coverage for this claimAn e-mail was sent to *** as this was the only method we had of contacting herWe verified with our auto damage adjuster that the damage to the vehicle appeared to be new and the decision was made to af* good coverage for the loss without the bill of sale or police reportOn this same day, *** called into us and a verbal direction to pay to her repair shop was secured.In regard to ***’s concern about reimbursement for the international phone bill, a phone call was placed to heron July 10,2014, after she had returned from being out of the country, in order to discuss the charges**, *** has not yet returned the phone call*** was also seeking financial compensation for emotional pain and suffering which is not compensable under her policy for this particular claim..If any additional information is needed, please contact *** ***, Claims Director at ###-###-####

[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: ***
I am
rejecting this response because: They have resolved the current bills, but now
the collection company will not remove the incident from my credit
reports. I understand they didn't receive the bills via mail,
but the two companies that submitted the bills for collections sent a copy of
the original letters sent in September by the Geico Claims rep
***.
***
has tried to resolve the issue; I was told that if the letters probably
didn't have the claim number on it that's the reason they didn't receive it
from the mailroom I could understand that issue, so I asked the companies to send me a copy of what
they sent. The claim number was on it , along with a copy of
the two letters in September
The companies complied with Geico and sent the forms via mail. I
understand if *** *** didn't receive it after it made it back to Geico, but
looking at the forms and information that the companies sent me, there was
enough information to get it to the claims department.
This means,
the mailroom is slacking. My life is depending on someone in the mailroom
not doing his or her job. The only complete way to resolve this is to
clear my credit reports. Attached are the information that the *** sent to me to prove they sent the information as requested and when requested. It doesn't make since that the medical companies would lie, when they want their money. They don't care who pays, as long as they get their money. *** said they sent the information twice and so did *** *** ***. From the information sent (attached) it proves they medical company did what they promiseThere was
another eight pages that can be added, but it had a lot more of my
personal information, however; what's attach is enough to prove that *** did as instructed
Regards,
*** ***

When I inquired about switching to Geico insurance, I spoke to nice, but very conniving representative, who said that they were going to send me a bill like thing via mail, but they weren't going to sign me up unless I wanted toEssentially, this representative signed me up for insurance and flat out lied about itTwo weeks later, Geico charged my bank accountThey did not speak to me or my insurance companyI had to call a speak to a manager and email them to cancel the policy I never wanted to sign up for and get a refund processedI will definitely never be switching to Geico after that

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

[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: ***
I am rejecting this response because:It was not made known to me that the payment would still be processed and that it required three days prior, so that statement that was made is false
Regards,
*** ***

August 14,
Revdex.com of Metropolitan *** DC and Eastern Pennsylvania
K St. NW, 10th floor
P.OBox
***, DC 20005-
Attention: *** ***
RE: CASE NUMBER: ***
COMPLAINANT: *** ***
INSURED: *** ***
CLAIM NUMBER: ***
POLICY NUMBER: ***
DATE OF LOSS: May 23, 2014
COMPANY: Government Employees Insurance Company
Dear *** ***:
Thank you for your letter of August 7,
Auto Damage adjuster Ashanti G*** inspected ***’s *** *** on June 24, and found no damage to the vehicle’s suspension or any indications that the this loss would have damaged the vehicle’s suspension or wheel bearings. On July 2, 2014, Auto Damage adjuster Matt H*** inspected ***’s vehicle at *** Collision Center and found no damage to the suspension or wheel bearings as related to this loss. As per ***’s original complaint, the repair facility indicated that the vehicle’s wheel bearings may be damaged, but would not be related to this loss
In regard to ***’s statement that we replaced her bumper even though it had pre-existing damage on the right side of the bumper, our records indicate that we, in fact, repaired the bumper. Attached is the estimate of record and supplement for your review.
GEICO apologizes for any inconvenience that this loss has caused ***, as it is our intention to settle all claims as quickly and as fairly as possible.
If there are any additional questions, please feel free to contact Claims Manager Justin K*** at ###-###-####
Sincerely,
Mark J***
Auto Damage Director

April 9, Dear *** ***:Thank you for your April 7, inquiry.We inspected ***’s vehicle on March 10, 2014, prepared a repair estimate, verified the visible damages related to the loss reported to us, and reviewed the covered repairs listed on the estimate
with *** at that time*** chose to have his vehicle repaired at Advanced CollisionWe also noted at the time of the initial inspection ***’s *** *** with 275,000+ miles had suffered significant paint fading over time (being over years old and having 275,miles, this is understandable)Due to the loss damage being confined to the right rear of the vehicle, we agreed to take care of those damages within the handling of the claim.After the repairs were completed, *** made us aware he was not pleased with the final repairs as performed by the shop, specifically the paint mismatch on his vehicle***’s paint mismatch is not due to improper color but due to the extensive fading of the paint on the rest of the vehicleAgain, we noted the condition of the paint at the time of our estimate preparation before Advanced Collision performed any repairs to ***’s vehicle*** has also alleged the shop damaged the remaining panels on his vehicleThere is no evidence to support that theory.We regret *** has refinish issues with his car, but we cannot agree to pay for refinish issues not related to the loss reported and caused by wear and tear over a significant period of time.If you have any further questions, please contact *** ***, Auto Damage Manager, at ###-###-####.Sincerely,

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

[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: ***
I am rejecting this response because:When I first put in this claim with GeicoThey initially told me that all I would need is the police report, and also when I first put in the complaint with Geico I told them about the tire that was damaged to the tire and also to the left front end. The tire DID not blow from a previous experience as Geico claims that they believed that it had happenThey specifically told me that the damage to the left front end of the truck was not enough to prove that the Black *** did hit me, but if I provided them with proof that it was possible that there was contact then I would be covered under the Uninsured Motorist ClaimI then went back out to my truck to look for damage, and upon looking notice that the tire that I replaced at the scene of the accident had serious damage to the tireThe tire itself has a ring around it where it looks like it rubbed against another vehicle's tireThis is when I contact Geico again to complain to them about how I believed that with this damaged to the front tire, and the ring around it that it would be enough proof to prove that the other car made contact with me, and the reason for this is because the tires on the truck were practically brand newAlso, this tire was damaged at the scene of the accident and the police officer and road side assistance that came out there can tell you that this tire was replaced at the scene of the accidentI also because of the "proof" that Geico needed to prove that someone hit me I contacted the Tennessee Highway Patrol to get the camera footage off of the camera from that day, but they informed me that they don't record the video from those cameras
Regards,
*** ***

---------- Forwarded message ----------
sans-serif;">From: Date: Sat, Jul 19, at 2:PMSubject: Re: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint #***.To: [email protected] issue *** has been resolved satisfactorilyThank you.Sent from *** Connect Mobile App

[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: ***
I am rejecting this response because:
Based on the damages on ***'s car and the location, you can't determine that he was at fault for the first impactIf my husband hit him from behind the damages would have been on the front bumper, it's on the left side damaging his light and sideThey haven't even sat us up for get the front estimated, who's to say if the other car damages have been reviewed as wellWe won't except 50% off for the first impactThe officer looked at both vehicles and the damages sustain to both cars, he included that my husband was not a fault for the first impact, my husband just purchased that car, so why hit another car on his way to workwe feel as though Geico doesn't want to pay for damages since both parties are insured with them and now trying to bribe us with half off our deductibleThey are not looking at the evidence, have a adjuster look at both cars and determine bAsed on location of the impact if it correspond to their storyThey have no pictures neitherThis happened in March and it is currently April 21st.
Regards,
*** ***

[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: ***
I am rejecting this response because:I never SIGNED for these letters you speak of and Attorney *** will attest that he is and was never retained by me as my attorney If letters were sent to Attorney ***, I was not given themI can attend any examination between October 26th through October 31st, 2015, if that is what is required to make good on the No Fault payment of these bills I requested a rescheduling of the first exam because of military training with the US Army ReserveI am out of the U.Son business until October 23rd, Please schedule an exam anytime, anyplace within two hours of my home at * *** *** ***, Oneonta, NY between October 26th-October 31st and I will be glad to attendThank You
Regards,
*** *** Jr

April 13, 2015Dear *** ***:
This will acknowledge receipt of your April 9, inquiry regarding the above referenced private passenger automobile insurance policyOur records indicate that the complainant previously insured two vehicles under the above policy, which
was initially established on January 11, 2011.On November 11, the policy was reviewed by our Underwriting Department, and the decision was made to non-renew the policy due to the overall accident and conviction history reflected on the policyA notice of non-renewal was subsequently mailed to the address on file on November 12, indicating that the policy is hereby terminated as of 12:AM on January 11, Enclosed is a copy of the notice of non-renewal indicating the reasons for termination, and its proof of mailingAs indicated above, the required notice was provided prior to the termination of the policyTherefore, our company is unable to comply with the complainant’s request for restitutionSince there appears to be no valid complaint against GEICO, we ask that this be removed from our recordIf you require further assistance with this matter, please contact the undersigned at ***Very truly yours,
Brian O
Executive Office

[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: ***
I am rejecting this response because:
I do not believe they cant find the phone callIm disgusted with geico for mieading me after I gave up safecoI had been loyal for ten yearsI only left because of what I was quoted which is not what I recieved, horrible customer service
Regards,
*** ***

pre-wrap;">Thank you for your November 28, e-mail regarding *** ***'s complaintMrN*** asked that I respond on his behalf and I welcome the opportunityWe reviewed *** ***'s policy record and there is no indication that he attempted to change his payment information online prior to the payment being submitted to his financial institutionThe online record shows that Mr*** went online to GEICO.COM on 1/22/and made changes to his policy, but none of those changes included changing his payment informationAny changes to the autopay information must be made at least three days prior to the payment due dateThe payment due date was 11/20/The autopay information was changed on November 23, We regret we are not able to refund the $returned check fee to Mr***I hope this information is helpfulIf you require further assistance regarding this matter, please contact my associate, David K***, at ###-###-####, extension Sincerely,
Elizabeth C***
Underwriting Manager
GEICO Insurance Companies

August 11, Dear *** ***:This is in response to your email of March 4, 2014, addressed to Tony N*** of GEICOYour letter has been referred to Ine for response as the Accounts Receivable Department is my responsibilityPlease accept our apologies for the delay in our response
This complaint was not received in our Department until August 8, 2014.Our records show that *** *** has had three policies with GEICOThey are as follows:
• Policy Number: ***This policy was effective January 12, to July 12, 2012, The policy was cancelled effective March 6, for non-payment of premiumThere was an earned premium balance due of $for coverage provided• Policy Number: ***This policy was effective March 1, to September 1, The policy was cancelled at *** ***’s request based on rates, effective March 1, There was no balance due since she cancelled the policy on the effective date• Policy Number: ***This policy was effective April 12, to October 12, This policy is now pending cancellation for non-payment of premium effective August 9, If a payment has not been received prior to midnight on August 12, the policy will be cancelledPrior to the original policy’s cancellation, on February 20, 2012, a notice of cancellation was sent advising *** *** that if a payment of $104,was not received prior to March 6, 2012, the policy would be cancelledNo payment was receivedSubsequently the policy cancelled with an earned premium due of $81,A follow up bill for $was sent on March 9, Pre-collection notification letters were sent on March 30, 2012, April 20, 2012, and May 11, 2012, respectivelyAt the time, *** ***’s address was *** *** *** *** *** *** *** ***The cancellation notice and all other correspondence pertaining to the amount due, was sent to that addressWhen *** *** purchased her recent policy, as is standard procedure, not only was her down payment of $withdrawn from her Visa account, an additional $was withdrawn for the earned premium due for coverage provided from January 12, to March 6, This is a valid debt that will not be returned to herWe trust that this information is sufficient in order to allow you to close out this complaintIf you have any additional questions or concerns regarding this issue, please feel free to give me a call at ***, ext, ***Sincerely,
Barbara C
Complaint Analyst

May 5, To Whom It May Concern:Thank you for your inquiry of April 28, 2014.On February 21, 2014, our insured, *** **, reported water somehow entered the engine of his *** ** 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 warrantyUnfortunately *** ** is unable to identify a specific date or occurrence wherein water could have entered his engineOn 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 engineThis theory did not seem feasible considering *** ** confirmed the hood of his *** remain closed during any storms and it is unlikely quarts of melted snow could have entered the engine since there was no evidence of water in the intake.We notified *** ** 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 perilIn an effort to verify the source of the engine failure, we have authorized a Cause & Origin (CO) test to be completed by *** ***, independent forensic engineersWe initiated the referral on May 2, and expect to have results from the CO test within days.We sincerely regret any inconvenience *** ** has experienced thus farWe 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 *** **s policyOnce we have the results of the CO test, we will immediately make a decision and inform *** **.Should you have any further questions, please contact *** ***, at ###-###-####.Sincerely,

Thank you for your follow up inquiry dated December 9, We have completed a follow up review of Mr***'s complaintIn the interest of assisting our customer We have decided to cover 50% of the cost of repairs incurred by Mr*** for the additional damagesOur position remains that these items are unrelated to his loss, however in the interest of resolving this we have agreed to the 50% paymentThis offer has been communicated to Mr*** and acceptedPayment in the amount of $was issued on December 11, to Mr*** directly for the 50% portion of the billlf any additional information is needed please contact Jenna W***, Consumer Relations Administrator at ###-###-#### or ***.Sincerely,Pionne C***Assistant Vice President

July 29, 2014Dear *** ***,Thank you for your letter of July 22, 2014.This accident occurred on June 19, in ***, OhioOur insured, *** ***, was operating a vehicle owned by her friend, *** ***, and insured by *** ***Our policy indicates that in this
scenario, coverage for the incident should fall to *** *** because they insure the vehicle*** *** indicated through a denial of coverage that their policy indicates that coverage should fall to our insured because she has valid insuranceThis is sometimes referred to as a “lending loss.”In order to apply coverage from our policy, it was necessary to obtain the *** *** policy language and/or denial letter to their insuredUnfortunately, *** *** did not cooperate in providing this information, and our insured, *** ***, disagreed that we needed to obtain this information from *** *** to apply coverage from her policy.We have since obtained the necessary information and are in the process of handling the property damage that *** *** caused to both vehicles; *** ***'s vehicle she was driving and the vehicle she struck, owned by *** ***We were able to contact *** *** and issue payment for her repairsThe total amount issued was $901.32, We did have an appointment to estimate the damages to *** ***'s vehicle on July 24, but he failed to show upWe are currently in the process of attempting contact to re-schedule, but his only phone number is now disconnectedWe have also attempted to reach *** *** but her voicemail is full.While we can understand *** ***'s frustration, the industry standard is that the insurance follows the vehicle and not the driverIn the event that a company denies coverage as *** *** did in this case, it is necessary for us to verify this through the proper documentation.Should you have any further questions please contact Claims Manager, John M***, at *** or at ***.Sincerely