Geico Corporation

Review: I have decided to get my van repaired at [redacted] in [redacted], CA which was not a Geico approved shop. Geico was informed about this and geico agreed to send me ( to my address) a two party check for the amount minus my deductible. I have been told I will receive the check in 7 to 10 business days. After 10 days I haven't received the check and I contacted Geico. They said the check was sent directly to the body shop and it has been cashed several days ago. By doing this geico didn't honor my best interest as a customer. Since the body shop received the payment in full in the very beginning of their work, they did not pay much attention and my vehicle is in a terrible shape now. They have also kept extending the work and I got the van after 24 days.

I believe Geico is partially responsible the poor paint job by paying the body shop in full at the very beginning of the work. They did not apply the minimal business acumen that we should wait until the service's done to make payments. I wonder why the claim specialist who told me to send the two party check to my address changed his mind and sent it over to the body shop after he/she spoke with body shop? Although several Geico claims specialist agreed that they made an error and apologized me for not sending the two party check to me and sending the check to body shop way before the work has done, they are not taking any actions. Since they have a made an error, they should do something to make it up. Their apology does not fix my car. If Geico had honored the agreement with me and sent a two party check to me , I would have waited until the body shop completed the work. This would have given me more control and the body shop would have been more accountable since the payment depends on their work.Desired Settlement: I have taken my van to couple of body shops and the average cost to fix my van is 3500. I want Geico to PAY ME to get it fixed.

Consumer

Response:

Geico is my insurance company. Geico are getting money from the other party's insurance company since it was their fault. Thank you

Review: I have been a customer with this company about a year now. I have ran into finical issues and decided to cancel my insurance and turn my tags in. My account was canceled 4 days prior to the paid to date. So I canceled it before I had to. They are still trying to charge me an extra fee for canceling. That was not stated in any contract. They are also threating me with collections. I canceled because I could not afford the 304.00 payment and they are saying I owe 249.90 when it was canceled before service ended.Desired Settlement: The desired outcome is for this company not to charge me for services I did not obtain.

Business

Response:

November 20, 2013

I called Geico today, ask them for a quote on 3 of my cars. Advise them that I was looking for a company that accept Sr22....Keep in mind I looked up this company and it said that they do sr22..... Well the information is misleading they do sr22 but there are stipulations with that, they would insure me with a Sr 22 because I don't get my license back until January 2016..... So on there web page they should let people know this info....

Review: On January 22, 2012 I received a letter from Geico, stating that I would be needing to complete a "Named Driver Exclusion" form, removing myself from my own auto insurance policy. The reason stated on the form was that my license was "suspended". This was not the case, so I called Geico to discuss what I needed to do; a stipulation of this was that my insurance with them would be cancelled effective Feb. 22nd if I did not comply.

The agent that I spoke with seemed helpful at the time. I explained to her my situation; that my license had been suspended briefly at the end of 2012, but that it was no longer suspended and was now valid. I gave her all of the reasons why, and she advised me to send in proof of my valid license. She told me that this was all that I would need to do, and that the insurance would not be cancelled once this was received. I was told that I did not need to complete the exclusion letter, as it would not apply if my license was valid.

I sent the paperwork in, but on Feb. 22nd, my policy was still cancelled. I called that day and spoke with another agent, who gave me the same information. Upon informing her that I had already submitted the paperwork, she gave me an email address to send verification of my license instead. I did so, and she also told me that this would correct the problem.

Today, Monday, 2/25/2012, I called a third time, to find out how long the verification process takes. I was informed that not only had my paperwork not been processed yet [which, being that I submitted it on Friday afternoon, I could understand] but that Geico needed the Named Driver Exclusion form, because they could no longer insure me due to my driving record. This was not mentioned on the notice I received.

The notice that I received in the mail clearly stated that I could not be insured with them because my license was suspended---that was the only reason stated. And since it was an untrue statement, not accurate. Geico has wasted my time--I've been a customer of theirs for years, and had the first customer service agent given me correct information, I would have had time to shop around for insurance before my last policy expired, instead of now being without insurance.

Not only have I been inconvenienced by Geico, I also feel that I have been misinformed, and will make sure that my family, friends and coworkers know to take their business elsewhere. So much for loyalty.Desired Settlement: I understand that if my driving record is unsatisfactory and does not meet company guidelines, I cannot be insured. However, on multiple occasions the customer service agents have let me down, and now I am without coverage. This is causing me undue stress as well as burdening me financially--I now have to scramble to cover myself and my vehicle, and the eligibility of my license will now be jeopardized because I am without insurance.

Business

Response:

See attachment or check attachment tab.

Review: Claim# [redacted]

had accident on 12/11/2013, other person fault. I filed a claim with Geico to have my car repair. Geico claimed they will reimburse the $500 deductible after they collected the reimbursement from other insurance company. Today it's 2/19/2014, more than 2 months after the accident, Geico still hasn't made any effort to collect money from other party. When I ask [redacted] : "Have you contacted the other insurance?" She answered that she's still waiting for other company to response and there is no guarantee! Clearly, she hasn't made any effort to help me get the money back. I had to ask her the other insurance company information and she refused to provide me the information. I'm the claimant, I was involved in the accident, I had to pay the deductible, why I can't have these information? I'm disappointed with Geico practice, and really feel like the representative doesn't have any willing to help customers, all [redacted] answer anytime I ask her about my claim is:" There is no guarantee...we will keep you update..." I used to have [redacted], and it just took them 2 weeks to reimburse me the deductible. Have to wait more than 2 months for the reimbursement is unacceptable. Really disappointed and frustrated.Desired Settlement: I need my $500 deductible reimbursed asap. If in the end, Geico failed to contact other insurance company, please provide me their information, I'll contact them myself!

Business

Response:

March 11, 2014

Revdex.com of Metropolitan

Washington DC and Eastern Pennsylvania

1411 K St. NW, 10th floor

P.O. Box 149104

Washington, DC 20005-3404

Attention: [redacted]

RE: CASE

NUMBER: [redacted]

COMPLAINANT:

[redacted]

INSURED:

[redacted]

CLAIM

NUMBER: [redacted]

POLICY

NUMBER: [redacted]

DATE OF LOSS: December 11, 2013

COMPANY: GEICO

Advantage Insurance Company

Dear **. [redacted]:

Review: I was hit by a person who carries a Geico policy. The Geico investigation concluded that she was "at fault" and was therefore, liable for damages. Geico then informed me that, although she does carry auto insurance with them, they will not cover the accident due to the fact that her coverage was "not valid for this type of particular loss". They would not explain the circumstances to me, as they said it was personal. I do not understand how Geico can deny a claim for a person who carries a policy with that company. Liability insurance is basic coverage.Desired Settlement: I wish to be reimbursed for the $250. deductible that I had to pay for my deductible towards repairing my car.

Business

Response:

August 15, 2014

Revdex.com of Metropolitan Washington DC and Eastern Pennsylvania

1411 K St. NW, 10th floor

P.O. Box 149104

Washington, DC 20005-3404

Attention: [redacted]

RE: CASE NUMBER: [redacted]

COMPLAINANT: [redacted]

INSURED: [redacted]

CLAIM NUMBER: [redacted]

POLICY NUMBER: [redacted]

DATE OF LOSS: August 5, 2014

COMPANY: Government Employees Insurance Company

Dear [redacted]:

Review: Geico has raised my auto insurance premium rate and intiially, could not give a reason. When pressed for a reason, it stated that it was due to a change in my marital status.

I was divorced over five years ago, and Geico was informed at that time, as evident by the fact that my ex husband's name was removed (at that time ) from my policy, at my request. Geico claims that the over 200 dollar annual increase in my policy is simply due to the fact that I am now single and that this somehow, just came to its attention. Geico is being completely dishonest. The reason it raised my premium, is that it is privately using a recent car accident that I had as a reason. Even though Geico has been reimbursed in full from [redacted] insurance company- the company of the drive who assumed liability for my accident.

I have NO claims which Geico has had to pay out!! I DID, however have a car accident a few months ago which the driver who hit me from behind assumed liability for. His insurance company ([redacted]) reimbursed Geico for all claims in regards to this accident. Geico performed virtually NONE of the services outlined in my contract with it and I , in fact, had to make over 30 phone calls to Geico in order to facilitate my car repair and communication between Geico , [redacted], the auto repair shops which were involved in the repair, and the car rental company (Enterprise).

I have also made a complaint about these business practices with the State of California Insurance Commissioner. My attorney is reviewing this case and I am making public the business practices of Geico.Desired Settlement: I would like for Geico to reduce my premium back to the rate it had been , admit that this practice is wrong and is a deceitful and untruthful business practice.

If this Geico does not do so, I will proceed with further action.

Business

Response:

May 27, 2014Dear [redacted]:We received correspondence from the Revdex.com (Revdex.com) requesting assistance on your behalf. I am happy to provide the following response.| would first like to thank you for your 25 years of loyalty to the GEICO family. We know you have many options to choose from for your auto insurance needs, so we truly value you as a policyholder.Our records reflect that [redacted] advised us on 05/24/09 that you and **. [redacted] would be separating. As a result, we issued **. [redacted] a policy of his own. On the same day, we attempted to contact you by phone to discuss the update to your policy. We were unable to speak with you so we left a message to return our call, and did not update your marital status. Our records reflect that on 06/01/09 you made a payment and requested an ID card for your 2005 [redacted] to be faxed; at that time, there is no indication that the transaction in May was discussed. During a routine underwriting review, it was discovered that your policy had an incorrect marital status and was updated to reflect correct rating information on your renewal effective 06/02/14. We sent renewal paperwork to you reflecting this change on 04/29/14.I do regret that we inadvertently charged you the married rate since 05/24/09 and apologize for any inconvenience this has caused you. I further want to assure you that the change in your rate has nothing to do with the loss from 02/28/14, the loss was considered to be not at fault.Our records reflect that you are receiving all discounts for which you currently qualify. However, I have enclosed a list of all discounts offered by GEICO General Insurance Company in the event you feel that you may qualify for an additional discount.[redacted], I hope this information is helpful in understanding the change in your rating. If you have additional questions, please call our analyst, [redacted], at ###-###-####. -Sincerely,

Review: I received a collection notice for charges for insurance. I never had insurance with this company.

I recently had a name change to [redacted].

I am receiving collection notices from Geico Indemnity Company in Boston,MA. I never had insurance with this company. Bills are being directed to my P.O. Box [redacted]. The billing statements are in the name of [redacted]. Charges of 244.57 are on the collection notice from [redacted],MA [redacted].Desired Settlement: To have this collection removed.

Business

Response:

May 19, 2014

Review: I had a not at fault accident that resulted in my car needing to be repaired. I took my car to the body shop of my choice as suggested by my insurance company GEICO. There were supplemental damages that were found as a result of the inspection by the body shop. The body shop provided an estimate of the supplemental damages to GEICO which was with them for about 10 days before they can come out and look at my car. It took forever for them to come and inspect the vehicle and approve the supplement so the body shop can begin work. The adjuster named [redacted] called me on Monday 1/20/2013 after he reviewed the supplement and inspected the vehicle at the body shop stating everything was fine. I asked him very clearly is everything ok in terms of the supplement and he said yes, The body shop will fix the car and it should be done in 10 days or so and there is nothing I need to do. HE DID NOT MENTION ANYTHING ABOUT THE DIFFERENCE between the estimate and the payment. The body shop calls me on 1/21/2013 and tells me there is a difference in between the payment provided by GEICO and the estimate. I called GEICO and asked them about the difference and they said I have to pay out of pocket. I am not sure I understand why didn't [redacted] inform me about it when he called me on 1/20/2013 about the difference and it came as a big surprise to me when the body shop called me. I had a frustrating experience as it took 10 days for them to go inspect the vehicle and then I am not provided enough information when they had the supplement from the shop for 10 days and expect me to pay that out of pocket! It is something that I should not pay as I wasn't informed about it from my insurance company when they went out and inspected the vehicleDesired Settlement: I need GEICO to pay the difference in the supplement to the body shop of the additional 300 dollars that was not informed to me and they expect me to pay out of pocket for a not at fault accident.

Business

Response:

February 11, 2014

Dear **. [redacted]:

I am writing in response to your letter of January 23, 2014.

After carefully reviewing the facts of the aforementioned claim, we are confident that GEICO has handled **. [redacted]’s claim fairly.

**. [redacted]s body shop of choice, [redacted] Collision Center, submitted a supplement request for additional items that were needed for the repair of his 2007 BMW. Our adjuster re- inspected the vehicle and approved additional items to be covered as part of the claim in question. The updated estimate amount was reviewed with **. [redacted] at the conclusion of our inspection on January 20, 2014.

According to **. [redacted] Collision Center, called him on January 21st to inform him there would be out of pocket charges above and beyond what GEICO agreed to cover. The out of pocket charges in question are a result of [redacted] Collision Center using different parts than what was included on the updated GEICO estimate. I have reviewed the file and have found the estimate to be written in compliance with all rules and regulations of the state of Maryland, as well as within the guidelines and parameters for what **. [redacted]’s policy covers.

**. [redacted] states that he does not believe he should be responsible for these charges because GEICO did not inform him of them at the time of our re-inspection. Unfortunately the Collision Center did not inform us of the out of pocket expense, which prevented us from informing our policy holder at that time. It was explained to **. [redacted] that the repair facility has the right to use the parts and vendors they wish, but that these items are sometimes above and beyond what his policy covers.

We have reached out to **. [redacted] to review the invoices and charges that he paid to see if we could assist, but at this time we have not received those from **. [redacted].

If you have any further questions or require any additional documentation feel free to contact our field Manager [redacted] at ###-###-####.

Sincerely,

Review: I have had auto insurance through GEICO for years-always paying my bill on time each month. I also have had no claims-no accidents, tickets, etc. I was considering starting a small hot dog cart business on the side, and inquired back in August to see about adding insurance coverage. I heard nothing until today, when I received a letter indicating that they were cancelling my policy effective 12/11/2013, and that I would need commercial insurance coverage. I called and spoke with 3 representatives from their personal auto insurance department-all three of whom were completely unhelpful and refused to listen to the facts of the situation, as they had changed since I inquired in August. They all kept telling me that I had to have a commercial policy, and would not let me speak with a supervisor. I finally was able to get in touch with an associate named, [redacted] in their commercial insurance department. [redacted] listened to the entire situation, and understood right away that I did not require commercial coverage, as I do not even own a hot dog cart yet. She also stated that I do not even qualify for commercial coverage, and that there was obviously a misunderstanding. [redacted] told me that she would contact the personal auto insurance department and explain everything to them, and then call me back within 30 minutes. It has been 3 hours and still no return call.

I then contacted GEICO again, and eventually spoke with an Underwriting Supervisor named, [redacted]. **. [redacted] was extremely unhelpful, and I got the distinct impression that she was only trying to reinforce what her associate had said earlier. She clearly did not care to listen to the facts, or care about trying to assist a long-time GEICO customer. She expressed no empathy, and kept telling me that she was not going to be able to continue coverage on my vehicle, even though I DO NOT have a hot dog cart, or even a trailer hitch on my vehicle. When I asked her why her department was telling me I needed commercial coverage, and her commercial department was telling me that not only do I not need commercial coverage, but that I do not even qualify for it. Her only reply was, "well, we have different divisions."

Words cannot express how upset and disappointed I am in a company that I had previously been very happy with. I have a Master's degree in Business Administration, and this is an example of absolutely atrocious customer service.Desired Settlement: I would like to personally hear from a senior member of management at GEICO, who can possibly explain why they would treat a long-time customer so shabbily. I also would like to understand why they will not continue to honor my personal auto coverage policy, when I do not even own a hot dog cart yet. Also, I would like an explanation as to why they are telling me I do not qualify for personal OR commercial coverage. Additionally, I would like an apology for not being treated very well on the phone, and for having to spend hours of my evening dealing with this situation. If possible, I would like to remain with GEICO as a customer, even though I am beyond angry; however, I am more than willing to find another insurance company-one who actually will value my business.

Business

Response:

October 28, 2013

Dear **. [redacted],

We received your correspondence dated October 20, 2013, regarding the above-noted Consumer.

On October 13, 2013, we attempted to contact **. [redacted] via telephone, and we sent him a letter indicating we would non-renew his policy effective December 11, 2013 due to the 2011 Hyundai being used for business purposes. Our records did not reflect **. [redacted] was simply inquiring about potentially purchasing a vending cart.

After we received your inquiry, we contacted **. [redacted] to discuss his concerns, and we clarified the details regarding his vehicle usage. We have reconsidered our decision, and renewed **. [redacted]’s policy. We apologize that we failed to provide the level of service **. [redacted] was accustomed to when he contacted us regarding his policy.

We trust this information is sufficient to allow you to close your file. Please call [redacted], Underwriting Manager, at ###-###-####, if you have any further questions.

Sincerely,

Review: On 2/5/2012 my car needed towing service because it wasn't starting. I called Geico service dept. to have my car towed to a repair shop and when they did they damaged front of my car. After month later Geico finally repaired my car from what damages came from towing company. I issue is that Geico added claim in to my insurance report for Comprehensive repair, when there should be NO claim report on my insurance records when it was Geico Towing service that damaged my car and because of the insurance claim on my report it increase my insurance rate.Desired Settlement: I'm like to have Geico remove the insurance claim for Comprehensive repair reported on 3/16/13 removed from my insurance credit report.

I would also like letter stating they are removing it from my insurance report.

Business

Response:

June 19, 2013

Review: I have been dealing with a disaster Geico and [redacted] have created with regard to my home insurance policy since December of 2012 and I expect it to be resolved to my satisfaction as soon as possible. I have spent hours on the phone waiting on hold or talking to representatives who do not have the authority to resolve this matter and do not plan to continue wasting my valuable energy and time on this stupidity. [redacted]'s collection agency is now sending me threatening letters and calling me about this matter. In fact, they have been sending those letters to my neighbor's house because they have the wrong address and it's embarrassing to know that my new neighbors are now involved in this situation.

I had a renter's policy for my apartment through Geico and underwritten by [redacted]. I then bought a house, so started a home owner’s policy through the same two companies in Dec 2011. They asked me for a letter to cancel the renter’s policy, so I sent one. (Whether I put the right policy number on the paper or not, I cannot say. They have accepted responsibility for that and then changed their minds about it.) In the end, the home policy got canceled instead of the renter's. [redacted] sent me the refund check and I cashed it, as I did all the other refund checks that came after the close of escrow. The few times I have purchases houses, when the dust settles at the close of escrow, checks come in the mail and I don't spend much time trying to figure out what they all mean. I figured they had automatically taken the payment for the renter’s policy and were refunding it to me.

Then, over a year later, my mortgage company tells me that my insurance company is not accepting their payment because the policy is invalid. I spent the following 2 weeks over the holidays trying to figure out what was going on, waiting on hold for extended periods of time each time I called. Once I figured out that the policy had been canceled shortly after it was created, I tried to get it reinstated. After spending another week or more trying to get that sorted out, they would not reinstate the policy until I had said that there were no damages to my property. I finally just told you guys to cancel every insurance policy I had with you -- automobile, home, renter’s, anything else that may be looming in your system. I had had it with Geico, [redacted], and anyone else involved in this disastrous waste of time.

Now that I was canceling everything, Geico, [redacted], or the combination of the two decided to reinstate the policy, retroactive to Dec 2011. Now they are saying that I owe them for that whole time. I refuse to pay for a service that I did not receive. I was not insured during that time; I do not care what they say to the contrary. The representatives I have spoken with since canceling the policy say that they made the affective date Dec 2011, which means that, if I called for a claim in, let’s say, June of 2012, they would have covered it. However, that statement is directly contrary to the fact that they would not reinstate the policy until I had answered the question of whether or not there were any damages to the property. If there had been damages to the property during that time, common sense would dictate that they would not have reinstated the policy.

That brings us to Jan 2013. I was asking them to cancel the policy affective Dec 2011 so it would be as though I never had the policy. It would be as if I had never called in Dec 2012 and Jan 2013. They were saying that [redacted] wouldn’t go back and cancel the policy if the cancellation date was more than 1 year in the past unless I provided proof of coverage during that time. It is none of their business who was insuring my property during that time. The fact is that I did not want them insuring it during that time. I refuse to provide such proof because it is none of their business. I do not care what your company policy is.Desired Settlement: I am willing to pay for the service I can confirm they provided me. They reinstated the policy on Jan 9, 2013. Though they made it retroactive, the date when I know for sure I had coverage was Jan 9, 2013 and not a day earlier. I then canceled the policy affective on Jan 23, 2013. At $744 a year, those 15 days translate to $30.58. However, in order to try to resolve this matter, I decided to compromise and offer to pay from Dec 2011 to Jan 23, 2012, which was $83. That way, the cancellation date only goes back 1 year so Geico and [redacted] are happy and I'm happy because I don't have to deal with this disaster any more. I shouldn't even have to be paying the $83, but I was willing to compromise on that. Now they are telling me that they do not want to go back more than a year from the current date (as opposed to the Jan 23 cancellation date). I was already bending over backwards to try to make this matter go away!

Through this whole process, I have been asking to talk to someone with the authority to straighten this out, whether they work for Geico or [redacted]. They have told me that no such person has been available the 20 or so times I have called and waited on hold for 20-30 minutes each time. I have been promised a call back within the day at least 4 or 5 times and it has never happened. When I follow up the following day, the day after that, and a week after that, I have been fed the same story all over again from somebody new. If someone in Geico or [redacted] who has the authority to straighten this out would like to call me, I would be open to discussing this farther. If that person does not have such authority, my track record with them has proven that I am wasting my time.

I am concerned they will mar my credit over this or try to feed my mortgage company a bunch of lies to get me in trouble with them. I also do not appreciate the harrassing letters, let alone having my neighbors know all about my “dirty laundry”. Also, the phone calls have to stop! If this situation escalates, I will gladly go through my phone records and add up the time I have spent on this matter. I will then expect reimbursement for that time I could have spent working or with my family. At my rates, they will not be happy with that bill! Let's just say that it is far greater than the $718 they think I owe them.

I am no longer willing to pay even the $83. The maximum I'm willing to pay is the $30.58 I actually owe them. That is for the service I actually received, which was from January 9, 2013 to January 23, 2013.

Business

Response:

May 9, 2013

Dear [redacted],

Thank you for the oppurtunity to respond and address your complaint to the Revdex.com in reference to your [redacted] honmeowner policy. I apologize for the frustration you have endured and hope that there will be a resolution ammenable to you as it speaks to the cancellation of your policy.

I have forwarded your compalint to [redacted] directly and have requested that they respond to your complaint via the Revdex.com site. You should receive their response within the week. Thank you for your patience in this matter.

Sincerely,

GEICO Insurance Agency, Inc.

Consumer

Response:

Review: [redacted] finally got back to me yesterday afternoon. I'm sure it was purely coincidental that they waited until the last day possible to respond to the problem. That's par for the course for Geico and [redacted] in their (lack of) effort to resolve this matter. Their response is nothing more than them explaining how they are trying to take advantage of me. It is not a suggested resolution nor does it indicate any desire to resolve the situation whatsoever. LIke I said, it's par for the course with them.

I never approved a pre-dated reactivation date. That is the whole point I am arguing here. I didn't have service for that year and I refuse to pay for a service I was not provided. I never agreed to pay for that year. I was not given a bill or given a statement or even told how much it was going to cost me for them to reactivate the insurance policy until it was already done. They did send me a bill, but it was after they had already reinstated the policy. When I called to complain about how high the bill was, they explained that the policy had been reinstated effective Dec 2011. That was the first I was hearing that.

Now they are saying that they can only go back a year to change anything in that policy. Well, I've been trying to resolve this since December of 2012. (They say it was January 2, 2013, but their notes are incorrect about that too. I remember they said I'd have to wait to talk to a supervisor until after the holiday season because he or she was on vacation for the holidays.) It isn't my fault it has taken until May of 2013 and still is not resolved. I've called them as often as daily at times to try to resolve this matter. I've probably made a total of 30 or so phone calls, waiting on hold for 20-60 minutes each time, to [redacted] and Geico. I've sent multiple e-mails, faxes, etc. I have done my part to try to resolve this. I've even offered a compromise that should have been satisfactory to them. If they're willing to go back a year, then they should go back a year from December 2012, when I started trying to resolve this issue. They should not hold me to the current date of May 2013. The fact that we are still talking about it is their fault, not mine.

They say they have notes in their system stating that I approved reinstating the policy. I did approve "reinstating" the policy and, according to them, that means that the effective date was Dec 2011. However, it was not explained to me that reinstating a policy meant pre-dating the policy so that I would owe for the year I didn't have coverage. I'm not a licensed insurance professional as they are supposed to be. I don't know the common lingo or vernacular used. This should have been made clear to me and it was NOT. There was no effective date discussed. They just did all that on their own and are now claiming that I approved it. That is simply not true. At one point in time, I even asked to just have a new policy created instead of jumping through all the hoops of reinstating the old policy. They brushed past that suggestion. I wondered why at the time but didn't think about it too much. I guess they figured they could get an extra year's worth of money out of me by jumping through the extra hoops. I figured I'd owe for coverage from December 2012 through the present time, but they pre-dated the policy to December 2011 on their own. I never approved that.

As previously stated, I refuse to provide proof of coverage prior to January 23, 2013 because it is none of their business. If they can cite a law that applies to the state of [redacted] proving that I legally have to do so, I will. Until then, they can keep their noses out of my business.

Below is the copied and pasted response they sent me directly. They

said they couldn't respond directly to the Revdex.com because the complaint was

against Geico, not [redacted]. Below is what [redacted] had to say.

Jeremy Hood

-----------------------------

Re: Homeowner Policy: [redacted] Insurance Corporation/NAIC: [redacted]

Dear [redacted],

This is in response to your recent letter to the Revdex.com regarding your previous homeowner policy. I appreciate the opportunity to respond to your concerns.

This policy was initiated by you effective December 13, 2011. On January 10, 2012 we cancelled this policy at your request effective December 13, 2011. A $635 refund check issued to you on January 13, 2012.

However, you contacted our customer service department on January 2, 2013 and advised an error had been made and you did not intend to cancel this policy. January 8, 2013 policy comments indicate we notified you the 2011 policy year would need to be paid in full upon reinstatement since the refund check had been cashed and you were in agreement. It is standard procedure to confirm that no losses or claims have occurred prior to reinstatement. On January 9, 2013, we reinstated this policy at your request effective December 13, 2011.

The 2011 policy term’s unpaid balance was added to the December 2012 renewal premium. A $1,379 bill issued January 14, 2013 with a due date of February 3, 2013. On January 21, 2013 we cancelled this policy effective January 23, 2013 at your request. A revised $718 bill issued to you January 29, 2013 due February 18, 2013. Since your payment was not received, the balance was forwarded to collections on March 18, 2013 and remains due.

[redacted] uses a third party vendor, [redacted] to secure past due premium owed for cancelled policies. Policyholders are referred to [redacted] when their policy has cancelled and the final bill remains unpaid within 21 days after the due date.

If you obtained alternate insurance prior to the January 23, 2013 cancellation date, please fax documentation confirming the effective date of your new policy to [redacted]. I would be happy to review amending the cancellation date once the documentation is received.

A billing history is enclosed for your review. [redacted], if you have further questions or concerns, please contact me directly. I will be happy to assist you.

Sincerely,

Customer Care Specialist

Customer Care Unit

Personal Insurance Distribution Operations

phone: [redacted] fax: [redacted]

Business

Response:

See attachment or check attachment tab.

Review: I cancelled my policy with Geico on the date of 1/9/2014. My new insurance provider [redacted] directed me to contact Geico for a refund on my policy. They told me on the phone that day that they already had my premium for the month withdrawn. So they expected a partial refund to be refunded within 7-4 business days either by check or direct deposit. I contacted my bank on 1/10/14 to check on the status of pending deposits and they told em that as of that date, (the day after geico said they took my money out), that I had a withdrawal in my account from geico. Why would geico tell me that they are prorating my refund if they didn't take the money out the day they said they were going to? This company is a scam. I work at a dealership, and many other customers feel the same way about geico. I want a full REFUND of my preium. not a partial-Post dated return.

Business

Response:

January 21, 2014Dear [redacted]:This will acknowledge receipt of your request regarding the above named insured’s private passenger automobile policy. I have carefully reviewed the matter and my findings are as follows:In **. [redacted]’s correspondence to your organization he expresses concern that GEICO did not refund him in the amount of his most recent premium payment. He alleges that he received a “partial refund”.GEICO’s records show that **. [redacted] Purchased a GEICO General Automobile insurance policy on October 4, 2013. The policy was to be effective November 9, 2013. **. [redacted] signed up for reoccurring credit card payments. Monthly payments were scheduled to be extracted on the 9th of each month. **. [redacted]’s most recent billing statement was sent on November 29, 2013 showing the following payments were scheduled to be extracted:Automatic Charges To Your Card AccountDec-09-13 $218.60Jan-09-14 $215.93Feb-09-14 $215.93Mar-09-14 $215 93Apr-09-14 $215.93May-09-14 $215.93Jun-09-14 $215.93Jul-09-14 $215.93Aug-09-14 $215.93Sep-09-14 $215.930ct-09-14 $215.87Each installment includes a $5.00 premium installment charge.On January 9, 2014, at approximately 4:00 pm, GEICO received a “transfer of insurer (2A)” from [redacted] requesting cancellation of the GEICO policy effective January 10, 2014. The payment of $215.93 scheduled for that same day had already been put into “flight” and could not be stopped. All unearned premium has been returned to **. [redacted]. A refund of $207.40 was processed to the payment source on January 14, 2014. Please note the difference between the amount of the payment and the amount refunded reflects the cost of coverage for 12:01 am January 9, 2014 through 12:00 am on January 10, 2014.It is GEICO’s position that all proper procedures were followed in the handling of the policy in question. All unearned premium has been returned to **. [redacted]. If you have any questions, or if GEICO can be of any further service in this matter, please contact me at ###-###-####.Very truly yours,

Review: I recently sold my 2003 [redacted] while negotiating a new vehicle order, on the day I sold my [redacted] I called Geico to cancel my auto insurance policy because I no longer owned, or operated a motor vehicle. Before I canceled my policy I requested a quote for the 6 month premium for the vehicle I was planning on purchasing, a 2014 [redacted]. The quote was for approximately $1000. I thanked the customer service representative and canceled my existing coverage, and held off on purchasing the new coverage for the [redacted] because at the time I didn't own the vehicle. Today, nine days after I canceled my old policy and was quoted for the [redacted], I called Geico to purchase the coverage for my new [redacted]. The initial quote of approximately $1000 jumped to approximately $1600. It was explained to me that the increase of $600 was because I had a lapse in auto insurance for more then 24 hours. I was also informed that it was their policy to recommend customers not to cancel insurance while waiting on purchasing a new vehicle because additional charges may occur. When I canceled my policy I was not informed that a lapse in coverage could cause me an increase in coverage rates even though it was there policy to do so.Desired Settlement: I would like Geico to honor there quoted coverage price of approximately $1000

Business

Response:

April 17,2014Dear [redacted]:I am in receipt of the request for assistance you submitted to the Revdex.com. I am happy to provide you with the following response.I would first like to thank you for choosing the GEICO family for your insurance needs. We 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 coverage. I 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 04/15/14. Our records reflect that the policy was reissued at your request with a policy effective date of 04/16/14. 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 caused. If you have any additional questions, please feel free to contact me at ###-###-####, extension **.Respectfully,

Consumer

Response:

Review: Geico is not honoring an auto insurance claim. Details of the claim and proble** are in the scanned documents. Before I purchased the insurance, I called Geico and confirmed that it would cover a rental car. No mention was made of a time limitation. No policy was sent to me. I rented a car for one month. On the final day of the rental, I had an accident. I filed a claim and that claim was denied because Geico says they only give coverage for 30 days and my rental was for 30 days plus a few hours, but less than 31 days.

I have asked Geico to allow me to appeal their decision, but I can not get past the clai** adjuster who made the incorrect decision. I HAVE COPIES OF LETTERS THAN I CAN SCAN AND EMAIL TO Revdex.com. HOW WOULD YOU LIKE ME TO DO THAT?Desired Settlement: Pay the insurance claim which will also allow [redacted] to pay the deductible.

Business

Response:

December 27, 2013

Dear **. [redacted]:

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

This complaint arises from an accident that happened on My 18, 2013, in which **. [redacted] was driving a vehicle not listed on the GEICO policy. Accordingly, we began a coverage investigation to determine if the vehicle being driven would be a covered vehicle. We informed **. [redacted] of the coverage investigation upon the reporting of the claim. After reviewing the policy contract, we determined that coverage would not apply for the loss. A disclaimer letter was sent to **. [redacted] on November 14, 2013 as the vehicle did not appear to be covered under the policy contract.

We conducted a further investigation into the claim and additional information was obtained. As a result, we have agreed to cover the loss of July 18, 2013. On December 20, 2013, we advised **. [redacted] of our decision, and we are in the process of obtaining estimates for the damage. We appreciate his cooperation and patience throughout our investigation and apologize for the delay.

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].

Sincerely,

Consumer

Response:

[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.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: they toke my money they end me the wrong amount and they do not want to change it.Desired Settlement: I want a refund.

Business

Response:

January 31, 2014

Dear **. [redacted]:

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

In **. [redacted]’s correspondence to your organization she expresses concern that GEICO did not refund her in the amount of her down payment. She alleges that she should receive a full refund.

GEICO’s records show that **. [redacted] purchased a policy on July 3, 2013 to be effective 12:01 am on July 4, 2013. She made a down payment of $377.42 to bind the policy. On July 16, 2014, GEICO received a request to cancel the policy with proof of new coverage effective July 10, 2013. The cancellation was processed to be effective July 10, 2013 and a refund of $303.67 was posted. The difference of $73.75 was the earned premium for coverage provided from July 4, 2013 to July 10, 2013.

It is GEICO’s position that all proper procedures were followed in the handling of the policy in question. All unearned premium has been returned to **. [redacted]. If you have any questions, or if GEICO can be of any further service in this matter, please contact me at ###-###-####.

Very truly yours,

Review: I was involved in a car accident in July 2013. It was a 2013 Volvo S60. The car was taken to an auto repair company, [redacted] Auto Body in [redacted], NV, phone number ###-###-####. The auto repair rep immediately told the geico rep that the car was totaled. The auto adjuster was constantly busy and had to have another adjuster take over the case. Well the new auto adjuster had [redacted] pull the engine and transmission to try to salvage the car. This process took weeks to months. Now geico has finally agreed to total the car but geico doesn't want to pay the auto repair company and is telling me that it is my responsibility. I have full coverage insurance and just because they don't agree to the bill doesn't mean they can just say it's my responsibility. I recently received a letter in the mail telling me that I choose to take the totaled car back into my possession. I never told geico I wanted the car back. The geico rep is clearly lying in order to cover the fact that she was not timely in dealing with the situation. Now the auto repair company wants to be paid and have my car off their lot. Well that is geico's responsibility. I don't want a totaled car that is now in pieces at the request of geico.

I am current on my car insurance and always have been. I have contacted geico and they just forward me to the auto adjuster who tells me its my car and my responsibility. Well what do I pay my car insurance for if they are just going to leave me with a bill they disagree on. I want them to pay the auto body repair company and take care of my totaled car. That is their responsibility as my car insurance company.

Please contact me with any further needed information. I have also spoken to the auto repair company and they are happy to provide any information needed. Geico is practicing unsavory business practices and shouldn't be able to treat people in this manner just because they are a large corporation. I appreciate any assistance in this matter.Desired Settlement: I would like geico to pay the auto repair bill and finish whatever the process is of totaling out my car. I do not want the totaled car back as they are trying to lie and say in order to not pay and avoid their obligations.

Business

Response:

November 15, 2013

Dear **. [redacted]:

We have received your letter requesting additional assistance on behalf of **. [redacted]. I am pleased to report that we have resolved **. [redacted]’s concerns.

**. [redacted] contacted us on the morning of July 23, 2013 to inform us her 2013 Volvo S60 had been damaged as a result of a theft. When we contacted her later that day, she clarified that she was confused earlier and her vehicle had not been stolen; rather, it was damaged as a result of a collision with a pole. **. [redacted] elected to retain the services of [redacted] Collision, one of Auto Repair Express (ARX) facilities to perform her repairs on July 24, 2013, and we transported her Volvo to [redacted] that same day.

When our Adjuster spoke to **. [redacted] the next day, she expressed concerns with the repairs being completed at [redacted]. Our Adjuster explained we would complete our initial inspection and once she made her decision, we would move her vehicle to her repair shop of choice. The initial inspection identified $12,542.58 in damages. At this time we explained after her vehicle’s damaged components were removed, her repair facility would likely identify additional damages. We also explained if this was the case, the shop need to contact us to request approval for repair of the additional damages. On Monday July 29, 2013, **. [redacted] advised us she had decided to use [redacted] Auto Body, and we transported the Volvo there that day.

[redacted] contacted us on August 6, 2013 to request a copy of our estimate of repairs which we provided that same day. We received no further communication from [redacted] until Friday, September 13, 2013 when they requested we inspect **. [redacted]’s Volvo to approve additional damages. Our September 16, 2013 inspection revealed extensive damage to various mechanical components including her engine which were not visible until the removal of the damaged exterior sheet metal. We also noted possible damage to **. [redacted]’s transmission. We explained to [redacted] we needed to determine if there was any transmission damage before we could agree with their continued course of repairs. In this case, replacement of the transmission would increase the total cost of repairs, and we would elect to handle **. [redacted]’s damages on an actual cash value basis rather than repair her vehicle. [redacted] agreed and determined the transmission case was in fact damaged. We contacted **. [redacted] and explained our concerns and agreed to contact her once [redacted] determined if the transmission damage warranted replacement.

When we contacted [redacted] on September 24,2013 to see if they had removed the engine; however, they informed us they had not yet been able to do so. We contacted **. [redacted] to keep her informed of the situation and we contacted [redacted] again on September 26th, 2013. Regrettably, [redacted] had not yet inspected the engine and they apologized for their delay, agreeing to contact us as soon as they were able to do so. We contacted **. [redacted] that same day to apprise her of the situation.

On October 3rd, 2013, [redacted] advised us the transmission was damaged to an extent that warranted replacement and increased to the total cost of repairs to $32,336.14. We contacted **. [redacted] to inform her that given the total cost of repairs, we had no alternative to but to handle her damages based on the actual cash value of Volvo. **. [redacted] understood and granted us permission to move her vehicle to Insurance Auto Auctions (IAA) while we resolved her claim.

We contacted [redacted] to inform them we would indemnify them for their repairs to date and requested the cease any further repairs. We secured an agreed cost of repairs completed through October 3, 2013 of $1,125.00; however, when IAA contacted [redacted], they informed them they intended to charge **. [redacted] over $3,200.00 in storage fees from the date her vehicle arrived at their facility. Both **. [redacted] and we were understandably surprised by these charges. We explained to **. [redacted] that in the [redacted] area, a number of collision repairers, including our own ARX facilities, never charge their customers storage and even those facilities that do charge storage only do so if a vehicle is stored at their facility with no repairs being performed. In this instance, [redacted] earned $1,125.00 in revenue for their repairs up until the point we determined we could no longer pursue repairing the vehicle. However, they initially delayed the repair process for forty-nine days as they were unable to start the work until September 16, 2013, then delayed removing the engine another sixteen days.

We contacted [redacted] on **. [redacted]’s behalf to discuss the storage charges, and we were informed the charges were non-negotiable and they would not discuss them with us. They also added that until their charges were paid they would not release the vehicle to IAA. We contacted **. [redacted] and reiterated [redacted]’s charges appeared excessive, and they were unwilling to discuss them with us. **. [redacted] said the she had no intention of paying the charges as she was justifiably frustrated with time it took [redacted] to begin repairs on her vehicle and their delay in removing the engine. We explained to **. [redacted] her auto policy did not afford coverage to for unreasonable towing and storage charges and as such we were unable afford coverage to the storage charges. While her policy provides GEICO salvage rights to her vehicle when we indemnify her for the actual cash value of her vehicle; unfortunately, if we were unable to take possession of her vehicle the value of the salvage would be deducted from her settlement.

**. [redacted] inquired why we could not force [redacted] to release her car. We explained that unlike [redacted] Collision, [redacted] was outside of our repair network and as result, we were limited in the assistance we could offer. We explained the only option we could afford to expedite her claims settlement would be to resolve her claim on an actual cash value basis less the value of her salvaged vehicle while we remained in communication with [redacted] in an effort to get them to waive their storage fees. **. [redacted] accepted this arrangement and agreed an actual cash value of $32,049.00, $2,595.97 in sales taxes, and $29.25 in title fees. From that proposed settlement we deducted $500.00 for **. [redacted]’s collision deductible and $5,250.00 for the salvage value of her vehicle. We explained if we were able to resolve the storage dispute with [redacted], we would indemnify **. [redacted] for the $5,250 salvage value.

After several weeks of discussions and negotiations with [redacted], on November 7, 2013 we were able to get them to release her vehicle for a total cost of repairs of $1,308.25. We contacted **. [redacted] and revised her settlement to include payment of the salvage value to her lienholder; as well as an equity payment to her of $1,187.15 after her collision deductible and her lien was paid off.

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

Sincerely,

Consumer

Response:

[redacted]

Review: I recently purchased Geico Auto ins. I called 1 week later and decided I was going to move to Nevada so they made the changes my price went up about 100. now 6 days later I decide I was going to stay in CA because I need to register my vehicle ASAP! Anyhow after I called at the end of the call the sales rep tells me I have to pay $175 by Dec 28th. My price went up $50. which I was not advised and I did not agree to this. if Id known ahead I would have waited and made my decision later regardless of the fees, but I think as a consumer I should have been notified about the fees in advance. so the [redacted] said send a notary letter stating your live in California and haven't moved to NV, but I said why do I have to pay for this they just want me to pay some way and make my life more difficult. I have dealt with companies like this. I think Geico only looks out for themselves and could careless for the customer. I will keep my policy and pay them, but the work practice is unethical and I would like everyone to know what to expect. If the rep was clear on everything before she made the changes I may not be complaining and eat up the difference in price, but its the principal! The last rep I spoke with told me the same she could not quote me till she changed it. This is not true how did I get a quote in the first place. They are just playing games in that call center.I cannot afford to pay more money for nothing. I'm in a financial hardship and every penny counts.Desired Settlement: I would like for my policy and the price to stay the same when I first purchased it for California or Keep it in Nevada for the price I was quoted for Nevada the first time.

Consumer

Response:

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

From: [redacted] <[redacted]>

Date: Mon, Dec 2, 2013 at 7:31 PM

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

To: [email protected]

Hi,

Review: I was on hold for over 185 minutes and was unable to talk to someone from the insurance company. I e-mailed them and got a respond back the next day saying they need more information. I gave them that and asked If I could have the rest of my coverage paid by them and or a refund. they said that's not their problem that no one answered the phones. I used 185 minutes from my cell phone plan out of 700 and its only the 15th of the month. 5 separate phone calls the longest was 50 minutes the shortest was 25 minutes.Desired Settlement: To have at least the remaining of my payment paid by the company

Business

Response:

January 30, 2014

Review: After 45 years of being a faithful customer, with a record of no tickets, GEICO is dropping me because of 2 citations that haven't even been resolved.

In October 2012, I received 2 citations for DUI and Failure to Yield. My Public Defender is seeking a trial instead of hearing because he believes I am not guilty of DUI (which I believe also). Despite the fact that in 45 years of driving history with GEICO I have never received a ticket, GEICO is summarily dropping my insurance, even before a resolution to my case. This is very shabby treatment and undeserved.Desired Settlement: I want a formal apology from GEICO and an offer to reinstate my car insurance. I am not sure I will continue with them, because I am getting better offers from other insurance companies. But I believe, as do these other insurance companies I have been talking to, that GEICO's actions are inexcusable.

Business

Response:

May 16, 2013