Geico Corporation

I am in receipt of your correspondence dated March 17, regarding the above-mentioned complainant, I am responding to your request for information as it speaks to the underwriting cancellation of Mr [redacted] ’s homeowner policy written through [redacted] Insurance Company- GEICO Insurance Agency, Incis a sales and service agent for [redacted] Insurance CompanyAs their agent, we are required to adhere to their underwriting guidelines for new and renewal businessWe have contacted Mr [redacted] to review his concernsWe explained to him that we are unable to reverse the [redacted] underwriting requirements for Mr [redacted] based on the concerns found in the inspection performedWe explained to the insured that we can cancel the policy flat if he desired; however, we would not recommend this as this would leave him with a lapse in coverage on his homeMr [redacted] agreed and said that he will call us to cancel prior to the existing cancellation date of March 25, if and when he obtains other coveragePlease contact me should you have any questions in regard to this matter at ###-###-####Carole T [redacted] GEICO Insurance Agency, Inc

May 9, 2012Dear [redacted] ***:This will acknowledge receipt of your request regarding the above named insured’s private passenger automobile policyI have carefully reviewed the matter and my findings are as follows:In [redacted] ’ correspondence to your organization she expresses concern that GEICO extracted funds from her account and has refused to refund the full amountShe also alleges that she had no intention to start a new policy with GEICO and that she did not hold a policy prior with GEICO.GEICO’s records show that [redacted] had a prior policy with GEICO with the same address, telephone and vehicle as the most recent applicationThe prior policy was cancelled for nonpayment of premium after the electronic check she used to pay for the policy with was returned [redacted] owed an earned premium balance of $for coverage provided from May 9, to June 2, [redacted] most recently applied for a policy with GEICO via GEICO.com on April 7, to be effective April 8, She completed the application and acknowledged that she would be required to pay $prior to making the down payment to bind the new policyThe overdue balance from the prior policy along with a down payment of $was collected and the policy was bound [redacted] had identification cards sent to her email.On April 8, 2014, [redacted] contacted GEICO an advised that she had purchased the policy on “accident” and requested a refundShe was refunded for the down payment on the new policy and advised that she would not be refunded the monies paid on the overdue balance of the prior policy.It is GEICO’s position that all proper procedures were followed in the handling of [redacted] ’ policyNo further refund is due to [redacted] at this timeIf you have any questions, or if GEICO can be of any further service in this matter, please contact me at ###-###-####.Very truly yours,

Dear [redacted] Thank you for your recent inquiry We have resolved our insured’s concerns prior to the receipt of this letter We were able to negotiate and agreed upon repair cost to resolve the additional items requested We were unable to pay any additional rental above the policy limits, to which the customer understands and has agreed to pay If you have any further questions, please contact [redacted] , Auto Damage Manager, at ###-###-#### Sincerely, [redacted] Regional Auto Damage Director

They gave me wrong information and I lost money because of thatI had an issue with my carCalled the agent and described the situation and my insurance policyHe told me GIECO will reimburse the repairI repaired it and sent them the receiptThey denied the reimbursementI called them back and they simply told me "we apologize, our agent gave you WRONG information"! They approves their mistake but it costs me a lot

[redacted] < [redacted] > 1:PM (minutes ago) tome Hi [redacted] ***, As per our phone conversation my complaint against Geico has been resolved Thank you [redacted]

I was a policy holder with geico for yrsDespite the rising premiums and my safe driving record I stayed and payedRecently I went to a car dealership and purchased a used carOn january 13th I called geico and spoke to someone named Alexis and transferred my auto insuranced from my old car to my new oneAt this time the dealer also spoke to the rep to confirm all the vehical information was correct and gave her his email to send a copy of insurance cardsI got my temporary registration and drove off with my carNeedless to say geico claims we never calledThere is no record of my callThey stated it is against the law for the dealer to allow me to drive away without verifying insuranceWhich he spoke to alexis and she confirmed my policy number and assured him the cards were in his emailNow I am unable to put a new york registration on my car because geico claims we never calledThey can add the car to the insurance but cannot back date the insurance to the day my temporary registration was issuedDMV needs all dates to matchAgain with rude supervisors whom dont give u the ability to explain your situation before reactingThis was totally geicos faultMy call was not recorded or even notedBut the call remains in my phones history as well as a minute call duration proving I calledI cancelled my insurance mainly due to the supervisor calling me a liarIm now out of a car It sits and I cant register it at all

June 3, Dear [redacted] Thank you for your letter of May 18, regarding [redacted] claim.This loss occurred when the driver of our policyholders vehicle struck [redacted] parked and unoccupied van pushing it into a parked and unoccupied truck, which was also owned by *** [redacted] [redacted] originally received two checks from us; both of which subsequently were stop paid as they were issued in the wrong amount [redacted] had deposited the checks prior to the stop pay being enacted and he incurred returned check fees from his bankOn May , our auto damage adjuster settled the total loss claims for both vehicles with [redacted] Payments were issued in the amounts of $and $respectively for each vehicleThese figures represented the actual cash value of each vehicle, plus an agreed upon loss of use and reimbursed bank feesBoth checks were cashed by [redacted] on May 13, 2014.If you have any questions, please feel free to contact [redacted] Claims Director, at [redacted] , extension ***

November 11, "Times New Roman","serif [redacted] Revdex.com CONSUMER AFFAIRS K ST NW, 10TH FLOOR WASHINGTON, DC 20005- Re: Compliant ID: [redacted] Dear [redacted] : We received your correspondence dated November 04, regarding the above-noted consumer We have not included any personal identifying information in our response as you requested Our Insured started a motorcycle policy with GEICO on June 07, with liability, comprehensive, and towing/labor coverageNew policy paperwork was sent to our Insured which included the Texas Personal Motorcycle Policy, Texas Motorcycle Information and Option Form, ID Cards, and declaration page showing the coverage on his policy On June 16, 2016, our Insured reported to GEICO that he was involved in an accident with his [redacted] motorcycleOur claim representative explained to our Insured there was no collision coverage on his policy GEICO did not make a payment for repairs to the motorcycle since there was no collision coverageOur Insured requested a recording of his phone conversation on June 06, with the sales representativeGEICO randomly records calls for quality purposesOur claim department researched to see if the call was recorded and determined it was not recordedPer review of his policy, there is no documentation our Insured requested collision coverage While discussing the claim with a GEICO claim supervisor on July 06, our Insured requested to speak with a claim manager The claim supervisor advised our Insured that his manager was out of the office and would call our Insured as soon as he returnsOn July 07, a GEICO Claim’s Regional Unit Manager called our Insured and left a voicemailOur records indicate our Insured never returned his call Two payments were made to [redacted] Incorporated for towing services on our Insured’s motorcycle for the claim that occurred on June 08, A payment of $was issued on July 19, and a second payment of $was issued on July 26, GEICO reviewed every possible avenue to determine if any error on our part was madeGEICO did not find any errors in writing the policy and in the coverage and amount our Insured was charged forSince our Insured was not carrying collision coverage at the time of loss, there is no other course of action for our InsuredOur Insured was sent a denial letter on July 07, by the GEICO Claim’s Department advising the conclusion of our investigation regarding collision coverage We trust this information is sufficient to allow you to close your file Please call Jimmette K***, Complaint Analyst, at ###-###-####, if you have any further questions Sincerely, Andrea B [redacted] Virginia Beach Regional Office GEICO Indemnity Company NAIC # Tell us why here

Hello MsHorne, 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]

July 9, Dear [redacted] ***:This will acknowledge receipt of your July 3, inquiry regarding the above referenced private passenger automobile insurance policy.Our records indicate that the above policy was cancelled on June 17, as per the insureds request, and the requested proof of coverage letters were provided on June 25, and June 27, respectivelyEnclosed are copies of the two letters that were sent to the supplied email addresses.Since there appears to be no valid complaint against GEICO, we ask that this be removed from our record.If you require further assistance with this matter, please contact the undersigned at [redacted] .Very truly yours,

July 28, Dear [redacted] ***:This will acknowledge receipt of your request regarding the above named insured’s private passenger automobile policyI have carefully reviewed the matter and my findings are as follows: In [redacted] ’s correspondence to your organization she alleges that GEICO added her boyfriend to her automobile policy without her consent causing an increase in premiumShe has requested that GEICO remove him and reduce the policy premium.GEICO’s records show that [redacted] added her boyfriend, [redacted] , via GEICO.comFurthermore, when adding ** [redacted] , she indicated that he was a regular operator of the insured vehicle and was not insured elsewhereUpon review of his driving record, it was determined that he was a significant risk to the policy and proof that he would not be an exposure would be required to remove himIt is GEICO’s position that all proper procedures have been followed in the handling of the policy in question [redacted] has since cancelled the policyAll unearned premium has been refundedIf you have any questions, or if GEICO can be of any further service in this matter, please contact me at ###-###-####.Very truly yours,Michael *S [redacted] GEICO’s Executive Office

Geico and its employees are scam artists in collusion with glass repair companies having solicitors come to my house and tell me I have damage to my windshield they could cover when I apply for a glass waiver I applied for the waiver - PAID FOR THE WAIVER - and received zero serviceI still have the same chipped and cracked windshield that's supposed to be covered for free in the state of Az Geico refused to give me service or a refund - only crediting me the difference for the month Stealing money from a paying customer of years - THAT'S a d [redacted] shame

We received your correspondence dated September 19, We have not included any personal identifying information in our responseOn September 7, 2016, our insured called GEICO and advised our service representative that she gave her sister permission to make a one-time payment of $using her debit card to pay for her August 21, insurance premiumHer sister made the payment on line at geico.com and also established future payments to be automatically withdrawn using the recurring credits debit card method of paymentTherefore, an additional payment in the amount of $was withdrawn from our insured's sister's account on September 12, The complainant stated she called her bank to dispute the payment and they advised her that they could do so, but it may take several months for the credit to postBased on this information, we have agreed to refund the payment back to the accountWe processed the credit on September 21, The credit should show on the account within the next three to five working daysWe have also contacted our insured to let her know that we have credited the payment back to her sisters account, and that recurring payments have been disconnectedWe have also advised our insured that they must make a replacement payment of $prior to October 4, 2016, in order to keep the policy from cancellingWe trust that this information is sufficient to allow you to close out this complaint, if you have any additional questions or concerns regarding this issue, please feel free to call my associate, Barbara Collins, at ###-###-####, ext Sincerely, Heather M [redacted] Assistant Vice President, Underwriting

August 5, face="Times New Roman"> [redacted] Revdex.com of Metro Washington DC & Eastern Pennsylvania K St NW, 10th floor Washington DC 20005- VIA FACSIMILE: ###-###-#### RE: [redacted] Insured: [redacted] Policy Number: [redacted] NAIC: ***- GEICO Indemnity Dear [redacted] ***: Thank you for your recent inquiry dated July 24, I welcome the opportunity to discuss ** [redacted] ’s request to be reimbursed for the time involved in cancelling his automobile insurance policy GEICO is not responsible for reimbursing ** [redacted] for the time it took to cancel his automobile insurance policy In review of our records, ** [redacted] contacted our office July 24, at 9:18am requesting to cancel his policy effective July 22, Our agent attempted to determine the reason for the cancellation** [redacted] refused and advised to cancel the policy immediatelyThe policy was cancelled effective July 25, at 12:01am** [redacted] was issued a refund on July 25, in the amount of $ I hope this information will assist you in resolving this matter If additional information is required, please contact Terry B [redacted] at ###-###-#### or via email at [redacted] Sincerely, John *L [redacted] AVP Underwriting cc: file

April 17,2014Dear [redacted] ***:I am in receipt of the request for assistance you submitted to the Revdex.comI am happy to provide you with the following response.I would first like to thank you for choosing the GEICO family for your insurance needsWe know you have many options when selecting an insurance company, so we truly value you as a policyholder.I would next like to apologize for any inconvenience caused by the difference between the premium quoted prior to the cancellation of your policy and the premium quoted at the time you requested a reissue of the policy; we should have done a better job of explaining what may happen if you allowed the policy to experience a lapse in coverageI take quality of service very seriously, so this will be addressed with our management team.I am pleased that you have accepted the offer of insurance we extended to you on 04/15/Our records reflect that the policy was reissued at your request with a policy effective date of 04/16/It is my hope that you will allow us to provide your insurance needs for many years to come[redacted] ***, I apologize again for any inconvenience this matter causedIf you have any additional questions, please feel free to contact me at ###-###-####, extension **.Respectfully,

[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 [redacted] , and find that this resolution is satisfactory to me I accept the fact that GEICO's notifications are in compliance with the laws of the State of Texas Regards, [redacted]

April 14, class="InsideAddress"> Revdex.com OF METROPOLITAN WASHINGTON DC AND EASTERN PENNSYLVANIA K STNW , 10TH FLOOR WASHINGTON DC 20005- ATTN: [redacted] Re: Policy Number: [redacted] ID Number: [redacted] Re: [redacted] Dear ***: This is in response to your email of April 8, 2014, addressed to [redacted] of GEICO Your letter has been referred to me for response as the Mechanical Breakdown Department is my responsibility Our records show that on February 2, ** [redacted] called to report that she was having some problems with the air conditioning in her [redacted] On February 6, 2014, we confirmed through [redacted] , an odometer reading of 100,miles In accordance with ***’ Multi-Risk Physical Damage Coverage Amendment: “Multi-Risk coverage will terminate either when the odometer reading exceeds 100,miles or when the age of the vehicle is years old, whichever occurs earlier” The Multi-Risk Physical Damage Coverage Amendment was mailed to *** [redacted] on September 17, 2008, the date the [redacted] was added While our system is designed to automatically remove coverage at the year expiration, we cannot monitor mileage which is subject to change on an annual basis As an exception, due to ***’ tenure and prior record, as well as the limited mileage in excess of 100,miles, we have agreed to reopen the claim We called [redacted] and spoke to Justin, a service representative He advised that the rear air conditioner hoses needed to be replaced He stated the hoses run underneath the vehicle which leaves them exposed to ground debrisIn his opinion, the hoses were punctured by hitting an object in the roadway We are advising *** [redacted] to take the vehicle back to [redacted] , or any repair facility of her choice Once the vehicle is at a repair facility, we will send out an independent inspector to access the cause of the damage Our assistance with the claim will be determined after the vehicle has been inspected We deeply regret that *** [redacted] did not have a full understanding of her coverage, and trust that this information is sufficient to allow you to close out this complaint If you have any additional questions or concerns regarding this issue, please feel free to give me a call at ###-###-####, ext*** Sincerely, [redacted] Customer Advocate Centralized Services

August 11, 2014Dear [redacted] ***: Thank you for your letter of July 31, 2014.This complaint arises from a loss that took place on June 10, involving [redacted] 's [redacted] *** [redacted] reported this loss to us on June 11, He reported that his vehicle was parked and unoccupied when it was struck in the rear bumper [redacted] advised that his bumper was dislodged from his vehicle, and he had the bumper in his back seatWe advised him that he did not carry Collision or Uninsured Motorist Property Damage Coverage on his policy [redacted] disputed that fact and the claim was reassigned to an adjuster to review this dispute furtherAfter further review, we reaffirmed to [redacted] that he never had Collision or Uninsured Motorist Property Damage coverage on his vehicle[redacted] then advised he thought his vehicle was vandalizedWe immediately told [redacted] we would have an auto damage adjuster review the damages and write an estimate to verify there was vandalism [redacted] explained that he received a call that his vehicle was not where he parked it but was found around the corner from the place he last saw the vehicle [redacted] indicated that the police advised him it looked like someone took a joyride in his vehicle and that the bumper was in the back seat of [redacted] 's vehicleWe explained to [redacted] that a police report would be required to support his claim that this should be handled as a theft claimAs part of our investigation, we completed an estimate and pictures, Our inspection on June 13, found no theft-related damages to his vehicleOn June 20, 2014, [redacted] was again advised that in order to move forward handling his claim as a theft, he would need to provide a theft report from the police department [redacted] asked if we would order and we explained we can do so but could take longer for the police department to provide us with a copyHe agreed to obtain the police report and send in for reviewWe spoke with the [redacted] Police Department on July 8th to get a status on the police report being sent and they advised it would be weeks before it would be sent to usTo date the police report has still not been receivedRegarding [redacted] 's need for a rental vehicle, he was advised on two separate occasions that he does carry Rental Reimbursement coverageWe explained to him that he could get the GEICO approved rate from Enterprise if he chooses to rent a vehicle from them, but the rental expenses would have to be paid by himWe explained that if we were later able to verify his claim that his vehicle was stolen, we would reimburse him up to days of rental expensesWe had a field investigator meet with [redacted] to further review the claim and view the damages to his vehicle in an effort to resolve this claimThe field investigator confirmed there were no theft related damages to [redacted] 's vehicleThe damages appear to be due to an obvious collisionWe advised [redacted] again that based on the information received at this point, it appears the damages were the result of a collision loss, and that we cannot make payment for the damages because he does not have collision coverageWe apologize for the inconvenience this loss may have caused [redacted] Our goal is to handle all claims for our customers as timely as possible, but there is no evidence to support [redacted] 's claim that his vehicle was damaged while stolen.Please contact Clay S [redacted] , Claims Manager, at ###-###-#### if you have any additional questions,Sincerely,Suzanne W [redacted] Assistant Vice President

July 18, Dear ***,Thank you for referring the complaint from [redacted] ***In reviewing the claim file, there are aspects of this claim that I find questionable, including the allegation that there is a problem with the engine and it is due to vandalism** [redacted] drove the vehicle to work even though they both acknowledged that it had been having problems starting** [redacted] worked at a gated estate with limited entry when the damage to the exterior was reportedly doneThe vandalism would have had to have been done in daylight and easily visibleThis would be highly irregularOur investigation has turned up information that indicates that ** [redacted] and her Husband had been having domestic problems in recent weeksIn fact, when ** [redacted] drove the vehicle to the estate, her Husband, [redacted] called police to report the vehicle stolen.When ** [redacted] and the police arrived at the estate, a tow truck had to be called because the vehicle would not startHow a vehicle that was having starting problems and would not start has led to their conclusion that there was major vandalism involving the engine is highly questionableWe do not have a written analysis but it appears that there are numerous problems mechanical problems with the vehicle to include:• Vehicle needs a new battery• Oil supply pipe to turbo leaking• Valve cover gasket leaking• Oil filter housing gasket leaking.These types of problems are not uncommon with an year old [redacted] with 70,miles on itAt any rate there was no vandalism that involved the engineThe effort to claim such calls in to question the merits of the entire claim presented.In any event, if [redacted] authorizes the dealership to do a tear down and the Dealer’s analysis concludes there is something wrong and likely engine damage due to an additive, we will re-open our investigationIf the vehicle leaves the dealership without such an analysis, we will deny any claim (now or future) for engine damageIt appears to me that GEICO’s handling has been appropriate up to this point and I do not see any further obligation owed unless we are provided with the dealer analysis.Please let me know if you have any further questions.Sincerely,

June 17, 0in 0in 0pt" class="**oNoSpacing"> [redacted] Revdex.com K ST NW 10TH FLOOR WASHINGTON DC 20005- Regarding: [redacted] Policy: [redacted] ID No: [redacted] Dear ***: We received your letter regarding ***’s concerns with the earned premium due on her policy ***’s policy renewal was processed on March 9, to be effective April 13, ***’s policy was established on a monthly billing cycle and her final payment for her previous policy period was extracted on March 13, This payment was ultimately returned and ** [redacted] did not submit a replacement payment until April 12, one day prior to her renewal taking effect Since her final payment was not received until just prior to the current renewal she was issued a cancellation notice The cancellation notice was mailed on April 14, and advised ** [redacted] that if her payment was not received by April 30, the policy would cancel Our records show we did not receive ***’s payment, and as a result the policy cancelled effective April 30, We have provided ** [redacted] coverage from April 13, until the policy cancellation date without payment; therefore, the earned premium amount of $is due If we can offer any additional assistance in this matter, please contact [redacted] ***, at ###-###-####, extension *** Sincerely, [redacted] Virginia Beach Regional Office GEICO Indemnity Insurance Company