Geico Corporation

Review: Geico did not give me correct details as to my policy coverage, costing me an additional $285.78 that they should reimburse me for. On a phone call to discuss my policy after an accident, they stated that I needed to pay for additional rental insurance because my policy didnt cover it. After a follow up, I was told that that information was wrong but that Geico is not responsible for what they told me and that I have no proof that those words were said by their representative, even though they acknowledge there is proof I called to discuss the accident, proof we discussed my policy coverage, and proof I asked about rental coverage. I sent them a copy of the receipt, Ive left numerous messages, but they refuse to acknowledge the error that cost me the money and refuse to call me back.Desired Settlement: Refund for only the amount I should not have paid for because my policy covered rental car insurance, total of $285.78

Business

Response:

July 7, 2014Dear **. [redacted]:Thank you for your letter of inquiry dated June 28, 2014.This loss was reported to us on May 8, 2014 by [redacted]. **. [redacted] reported that while traveling on [redacted]. he had rear ended another car.On May 9, 2014, we spoke to **. [redacted] and explained that he did not carry rental coverage on his policy. We explained to **. [redacted] that [redacted] often offers discounts to our customers.Upon receipt of this complaint, Supervisor [redacted] spoke with **. [redacted] on July 1, 2014 and explained that we would not be able to pay the collision damage waiver through [redacted]. After speaking to **. [redacted], **. [redacted] called [redacted] to find out the fees incurred to see if there could be a reduction by [redacted] to help assist **. [redacted]. The branch manager at [redacted] confirmed that collision damage waiver fee for **. [redacted]’s rental was originally in the amount of $185.78. [redacted] as a courtesy reduced the collision damage waiver by $169.90 to cover almost the full amount of charges.

Review: Auto Insurance

I was insured by Geico and had to pay 6 months in advance. I was to be covered from 11-11-2012 to 05-11-13. They cancelled the policy without notice. The policy was started by my mother who had bought new insurance from a different company and only cancelled hers. Gieco stance is that they did not need to notice me or my wife that. Geico's policy is once the person who starts the policy cancels, the entire policy is cancelled.

I was then fined by D.M.V. 250 dollars for not having coverage for 1 day according to the notice I received in the mail. I have always maintained full coverage on my vehicles. I bought new insurance from Farmers on 05-10-2013 just to make sure there was no lapse in coverage.

Geico states that they refunded the money to my mother; I never received any refund, never notified of policy cancellation. I had a claim that they did not want to look into until told I them I would take them to court. I seems as if the cancellation without notice started with this incident, plus they notified D.M.V. so that I would have to pay 250 for no reason.

Please look into this matter, it's underhanded and dirty. I should not have had to pay anything to D.M.V.Desired Settlement: 250 Dollars From Geico. Record cleared at D.M.V.

Business

Response:

Hello **. [redacted],

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

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

Thank you,

Consumer Relations

GEICO Region 10

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

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

Email: [redacted]

Review: I have not received the funds to repair my car as promised.

On 10/25/13 I filled an online claim for damage to my car and after the online claim was completed it said someone would contact me. After waiting 4 days I called Geico. Then a rep asked me to drive to [redacted] at a body shop to have a Geico rep look at my car which I did per the appointment on 11/5/13. The Geico rep did not show up but the person at the body shop did and called Geico. He said he had spoke with the "Geico manager" and stated that my check for repairs would be mailed that day. I called Geico on 11/11/13 and spoke with a Angelica who needed to put me on hold several times to speak with a manager to see what the hold up was. She said the check would be mailed out today (again) and the reason for the hold up was a lack of communication however no one called to advise me of this. I just want the fund to cover the damage as promised by Geico.Desired Settlement: Pay the funds for the repairs as promised four weeks ago so that I may repair my damaged car.

Business

Response:

November 25, 2013

To Whom It May Concern:

Thank you for your inquiry of November 18, 2013.

This loss was reported to us via the Internet on October 25, 2013 in which [redacted] struck an animal while driving [redacted]’s vehicle. We spoke with [redacted] on October 28, 2013 and verified [redacted] had permission to drive the vehicle and that he would like to have the vehicle repaired under his comprehensive coverage. At that time, we scheduled an inspection for November 5, 2013 at [redacted]’s [redacted] Body Shop, as we do not have any appraisers in his area. We reviewed and approved the estimate on November 11, 2013. Payment was issued the same day to [redacted] and [redacted] Collision Center in the amount of

$1,933.01.

We sincerely regret any inconvenience [redacted] experienced during our handling of his loss. We believe that we handled his claim appropriately and in accordance with the provisions of his policy. Should you have any further questions, please contact our [redacted], Claims Manager, at ###-###-####.

Sincerely,

Consumer

Response:

I filled a claim with Geico on 10/25/13 for damage to my personal vehicle from a deer impact. After waiting over 3 weeks I received my check in the mail for repair from Geico. I delivered my car to the auto body repair facility on 11/25/13. On 12/2/13 Geico was contacted by the body shop repairing my vehicle for authorization for additional repairs. As of 12/5/13 no one has contacted me or the body shop for authorization to complete repair to my vehicle.

I was happy with everything until this past month. My boyfriend borrowed my car in June and had a minor accident and was not on my insurance, Geico handled it without a problem. Five months later at the end of my premium they decided to drop me, understandable. What is not understandable and is totally unacceptable is that they sent the letter out in the beginning of October and I never received it. You would think they might send a follow up letter, or maybe hit me with a courtesy call, but no. Now that I drove around without insurance for 10 days I finally get a letter from the DMV asking what's going on. Second, how horrible of a company do you have to be to continue a premium after an accident and then drop them months later?! Again, should have had the courtesy to drop me automatically instead of wasting my time. Third, you just lost someone who has a clean driving record and was paying $180 every month ON TIME. Were you expecting me to beg for my insurance back so you could double the premium? Does that actually work on people? Jokes on you, S[redacted] just saved me $60 a month for the same thing. Stop being cheap and get your own renters insurance while you're at it instead of funneling through other companies.

Review: On January 31/2013 I called Geico Insurance to remove my second vehicle from my policy,which was a 1997 Mitsubishi,the agent removed the third vehicle that I had just added to my policy in December of 2012 which is a 1993 Lexus.My policy that I'm paying for is deducted from my account every month has collision coverage.On February 13/2013 my Lexus was in an accident I made the report and Geico told me there was no coverage.I was furious and demanded them to put my car that was'nt authorized to be removed back on my policy.The agent was incompotent and removed the wrong car,it states when you call Geico that the calls are being recorded.So why is it they can't go back and see that they are responsible,that it was the agent mistake?this is wrong and I want the world to know how faulty Geico is,that they don't take care of their customers,they find excuses not to pay and I will tell family,collegues,facebook,everyone not to deal with Geico.Their fancy commercials are just a bunch of hype!Desired Settlement: I want my $685 for my towing fees and storage,due to waiting on their response the fees were ridiculous,also I want my car repaired,as far as that vehicle not being covered to my knowledge it was.

Business

Response:

Please find our response attached. The hardcopy will be sent to [redacted] tomorrow, thus the letters are dated 03/27/13.

Review: I received a letter from a collection agency regarding an unpaid amount from Geico Insurance company. I was listed under a friends insurance policy for a couple years. The friend was the primary policy holder. The payments were taken out of that friends bank account. My friend needed to take me off the insurance and it was canceled in December 2013. When I got the letter in the mail on March 7, 2014. I called Geico and this is what they told me. When my friend cancelled my policy Gieco separated our policy and gave me my own policy. There is no record of the insurance company contacting me by phone or mail to confirm that I even wanted further business with them. When I called to ask how they can separate my policy without my knowledge they said it was part of their own policies. They had the wrong address for me and admitted to the notices they sent out were returned back to Gieco. Nor do they have any record of getting in contact with me to tell me what they had done. So basically Gieco set up a policy for me without my consent and it was canceled January 2014 because they never received my payment. I should of been contacted and told the changes they wanted to make and the right to refuse service. I was NEVER given the slightest hint this was going on until today. I will not be paying for the insurance I NEVER agreed to in the first place. They have no right to set up anything without my permission. I now have a collection agency on my case and my credit will be effected. I would like this solved in the matter of I do not owe anyone any money for something I did not agree upon and Geico looked into because I think they are crooks.Desired Settlement: I want it confirmed I do not owe any agency or Geico insurance company. I just want it known that geico is doing something wrong here. I would like for the insurance company to apologize to me by phone or letter.

Business

Response:

Review: on April 29th 2014, my payment was late and my monthly price was raised. I was in the process of sending correspondence back and forth about lowering my rate, to its original price when

On May 12th, 2014 I was involved in a small fender bender.

during a recorded audit I updated my address to the current address that I could be reached at.... I stated that it was my residence for the time being. I then moved to a permanent address and updated it on the Geico.com website. I waited for contact, In addition to details about my claim. I NEVER received contact through mail, email, or telephone. Although I updated my information all pertinent information was still sent to the initial address which was no longer valid. This resulted in me not being aware that my claim was denied and escalated to the other persons insurance ([redacted]).... as [redacted] had the invalid address provided by geico they were unable to reach me as well.. I was unable to dispute claim against me or ask for a second evaluation of damages, or seek options, etc.

[redacted] then escalated my "money owed" to a 3rd party bill collector. Essentially my ability to be aware of the situation and have a say in the process was eliminated because Geico failed to provide my updated information to interested party's. No one had the ability to contact me through mail service ( in spite of all companies having my email address, and my telephone number). Although I'm clearly an important person to keep informed of the situation a lack of looking at updated records prevented me from taking any part in this process. my ability to ask questions or seek an estimate provided by another mechanic was eliminated. I have photographic proof of damages incurred and I am baffled as to how I could owe this much money, I'm also baffled as to how I was left out of the loop.

Geico was very quick to inform me that my claim was being investigated but never contacted me for follow-up, and never updated my information so I would be approachable for further communication.Desired Settlement: I am seeking a number of things*

1.) is a written apology and acknowledgment that due to failure to update in formation I was unable to play an active role in this process

2.) I am requesting funds be allocated toward the cost of damages, OR my current account with geico be credited a portion of the money I have to pay since my ability play any part in this process was thwarted by lack of communication

3.) I am requesting all documents pertaining to this instance including, audio of my call be provided to me for building a case against the insurance claim.

Business

Response:

August 15, 2014Dear [redacted]:Thank you for your August 9, 2014 inquiry.On May 12, 2014, [redacted] was involved in an automobile loss with [redacted] reported the loss to us on May 13, 2014 at which time we attempted to contact [redacted]. We were not successful in reaching [redacted] at the telephone number we had on record. Unfortunately, this number would not allow us to leave a message as his voicemail box was full. After several unsuccessful attempts by phone, we sent him an email and letter via US mail.At the time the claim was reported, there was a coverage question with [redacted]’s policy. [redacted]’s policy had cancelled for non-payment of premium on April 19, 2014. The policy was then reissued with a lapse on May 12, 2014 at 5:29 p.m. with an effective date of May 13, 2014.[redacted] responded to our email contact May 13, 2014 with an inquiry indicating he had bumped another vehicle and asking if he needed to Submit photoS, and how to determine if the other party was submitting a legitimate claim.Once this contact was received, we contacted [redacted] and obtained a recorded statement from him regarding both the accident details and the coverage questions.We spoke with [redacted] again on May 14, 2014, [redacted] admitted at that time that he did not have coverage at the time of the accident and wanted to know if he could contact [redacted] and pay for her damages out of pocket. On May 31, 2014 we sent a formal denial of coverage letter to [redacted] at the address we had on file.On August 7, 2014, we received another internet inquiry from [redacted] regarding Status of the claim although he had already admitted that he knew he did not have coverage. The handling adjuster immediately contacted [redacted]. It was at that time [redacted] advised he had logged into GEICO.com and reviewed the denial letter, We then provided [redacted] with [redacted]'s insurance carrier information at his request So he could contact them to arrange restitution.If you have any additional questions, please feel free to contact Claims Manager, Ashley M[redacted], at ###-###-####.Sincerely,Carl *. T[redacted] Assistant Vice President

Review: MY GEICO INSURANCE POLICY WAS PUT ON A CANCELLATON NOTICE FALSELY. I'VE BEEN WITH GEICO FOR 5 YEARS WITH AUTOMATIC PAYMENTS. I RECEIVED AN EXTENSION TO PAY ON MY GEICO INSURANCE BILL UNTIL APRIL 26,2013. I CALLED GEICO AND I WAS GIVEN EXTENSION UNTIL APRIL 28. THE GEICO REP DID NOT TELL ME ON APRIL 26 TO CALL GEICO TO CONFIRM MONEY @ [redacted]. SINCE I'M ON AUTOMATIC PAYMENTS I ASSUMED EVERYTHING OK. APRIL 28 A PAYMENT OF $192 SUPPOSE TO BE WITHDRAWN FROM MY ACCOUNT. APRIL 29 I CALLED GEICO A.M. AND SPOKE WITH GEICO REP SHE SAID I'M REINSTATED. I CALLED GEICO IN EVENING AND GEICO CANCELLED ME. GEICO TOLD ME I HAD TO WAIT 3 DAYS FOR A MANAGER TO CALL ME. APRIL 30-MAY 1,2,3,4,5 I CALLED GEICO EVERYDAY AND EMAILED GEICO OF MY CONCERN OF LAPSE OF INSURANCE. NOT ONE GEICO REP RETURNED MY PHONE CALLS. ALL WEEK I CALLED EVERYDAY AND ALL REPS VERY RUDE TO ME. I HAVE PROOF OF ALL MY EMAILS AND NO-ONE WOULD RETURN MY PHONE CALLS. AT 2AM I'M EMAILING GEICO AND ALL HOURS OF DAY TO FIND OUT WHAT TO DO TO REINSTATE MY INSURANCE AND NO-ONE RETURNS MY CALLS FOR A WEEK. ON MAY 5 I REACHED A GEICO REP AND FORCED A QUOTE BECAUSE I DIDN'T HAVE INSURANCE. I WAITED FOR GEICO TO RETURN MY CALLS. THEY GAVE ME A PRICE OF $369.00 I'M SUPPOSE TO PAY EVERY MONTH. GEICO LAPSED MY INSURANCE AND OVERCHARGED ME. GEICO IS WRONG SINCE FIRSTLY ON APRIL 26 THE GEICO REP SHOULD HAVE TOLD ME TO CALL ON APRIL 28 THAT I MADE DEPOSIT. I'M ON AUTOMATIC. WHY WAS I TREATED SO CRUELLY TO WHERE NO-ONE CALLED ME BACK I'VE BEEN SO UPSET AND TREATED ABUSIVELY. I WENT TO [redacted] GEICO OFFICE AND NO-ONE HELPED ME. I'VE CALLED WASHINGTON D.C. AND THEY CONTINUE TO SAY THE LAP0SE ON MY POLICY IS VALID. I REFUSE TO ACCEPT THIS LAPSE AND I WANT IT REMOVED OFF MY POLICY IMMEDIATELY. I HAVE A QUOTE FROM ANOTHER INSURANCE POLICY FOR $163.00 BECAUSE I HAVE A LAPSE I CAN'T SWITCH INSURANCE COMPANIES. I FILED COMPLAINT WITH NY INSURANCE- GOVERNOR CUOMO'S OFFICE. GEICO BEING THE LARGEST INSURANCE COMPANY AND THEY HAVE IMPROPER GEICO AGENTS.THANKYOUDesired Settlement: GEICO INSURANCE HAS TO STOP THIS LAPSE ON MY AUTO INSURANCE. IT'S NO FINE FOR THEM AND THEY ARE IN THE WRONG. MY PAYMENT WAS $192 AND THEY FALSELY MADE MY PAYMENT $369.00 I WANT MY REFUND. IN AUGUST GEICO WANTS TO CHARGE ME $700 SOMETHING FOR 2 MONTHS. THIS IS SO CRAZY HOW DO THEY GET AWAY WITH THIS. I WANT TO BE FREE OF GEICO INSURANCE FOREVER AND BE TREATED FAIRLY. GEICO DOESN'T HAVE A LOCAL OFFICE WHERE I COULD HAVE GONE IN OFFICE AND SOLVED THIS DILEMMA IMMEDIATELY.

Business

Response:

Please see the attached response.

Review: I am a low income disabled retiree, Army veteran, Federal Government employee retired.

Last month when I received my annual tax refund I purchased an old cheap car & purchased Auto insurance from Geico

I was NOT informed that $5 of each month's payment was a "Convenience Fee" to process my DEBIT card payment

FYI: They require auto matic payments, byt the way, which is even more "Convenient" for them

I was NOT informed that a Checking Account option of $1 instead of $5 was an option.

I had extra money last month that had I been properly informed I WOULD HAVE CHOSEN TO PAY ALL OF IT AND SAVE $30

Saving $30 would have meant A LOT to me on my budget. You have no idea how tight my budget is plus I have medical problems & medication expenses because of my disability from the military.

Finally having a car is helping me to not have to take the bus which was so difficult in my medical condition.

I don't have a checking account so I can't switch to the $ 1 now.

YOU SHOULD INFORM PEOPLE UP FRONT

You hide the information in SMALL PRINT within the voluminous paperwork you send my mail.

I asked if I could mail my payment in each month (money order costs 85 cents) plus stamp

he said that if I mailed in my payment it would cost $ 5 per month.

I hope this complaint helps others in similar tough financial circumstances to save $ 30 BUCKS !!! That would pay for a Doctor's co-pay or medicine c0-pay

or give me more money for my food & medical budgets!

Shame on you GeicoDesired Settlement: I am certain last month when I took this Auto insurance Policy out that I would have chosen, since I had my Tax Refund money TO SAVE $ 30 BUCKS ! and have paid the $209 Policy Up Front. I don't have that extra money now because I spent it on other necessities.

I want that $ 30

Business

Response:

Please find our response attached.

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

1) Why does Geico charge customers ONLY $ 1 when they link their Checking Account up for automatic installment ?

Geico claims that the $5 "installment" fee is not a Debit Convenience fee as the Geico Customer Service Representative told me it was

If this was true & accurate

and it is simply an "installment fee", then customers who link their Checking account for automatic installment payments would also be paying $ 5.

But they don't, they only pay $ 1.

2) Also, it is NOT my fault that the person setting up my auto insurance account for the first time didn't inform me about the "Installment" fee.

It was in Small Print among about 20 pages of insurance documentation that GEICO sent me by mail.

Frankly, I'm surprised I noticed it, but I did notice it, and I am exceedingly annoyed about this.

Had I been informed, I am quite certain I would have opted to save $ 30 because that is A LOT of money to me on a low fixed income.

3) Long ago, Americans didn't have to PAY to PAY our bills!

Now, companies are making even more money charging customers for their payments!

Regards,

Business

Response:

Please find our second response attached.

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

1 of 4)

Thanks to Geico's last 2 responses, we are now getting closer to the truth. Geico

admits to "Passing savings on to their customers" who are able to

participate in EFT. In fact, EFT is SO low cost that most companies

& Utility companies charge absolutely nothing for EFT.

But Geico charges $1 ( and does NOT charge those customers the $ 5 "Installment Fee"

Geico INFERs

in their statement that other forms of payment, presumably

Debit/Credit card payments, are more costly than EFT.

But HOW MUCH MORE

COSTLY?

One example, [redacted], charges $ 1.75 for a Debit/Credit Payment.

[redacted]) contracts with [redacted] to process the card payments for $ 1.75.

From all of my research, this is quite reasonable.

However! Many companies, such as my [redacted], charge absolutely ZERO! (zilch, Nada, nothing, Free! etc) for on-line Debit/Credit payments.

Furthermore,

to show how even more generous [redacted] is beyond this is that they

even allow different family members to make partial payments toward the

whole monthly amount. This means that for 1 account, [redacted] generously

allows multiple payments from various family members sharing the family

wireless account!

[redacted] = free multiple Debit/Credit monthly payments.

2 of 4)

If Geico were to switch from whomever processes their payments (especially if it is within Geico's own company's resources that make these expensive card transactions)

then Geico could "Pass on Savings" to all of their customers who pay via Credit Card or Debit Card each payment.

For Example: if Geico used [redacted] then Installment Fees would be $ 1.75 instead of $ 5. That is a substantial savings to pass on to their customers.

Since I am obviously, temporarily STUCK in an ongoing installment situation, and Geico is waiving the first installment fee which is a kindness, then if they switched to a company like [redacted], my remaining installment fees would be $ 1.75 instead of $ 5

3 of 4)

As far as your remarks concerning when I was your customer when I lived in [redacted] recently for over a year.

I ASSURE YOU that I did NOT know that I was paying $ 5 each month as an "Installment Fee"

Due

to a serious financial situation, I was homeless several times in

[redacted] living out of my "Insured" car. In [redacted] you get thrown in jail

if you don't have car insurance, eventually lose your Driving License

& all kinds of other bad expensive things happen over time when

caught without Car Insurance.

So please know that most [redacted]

Homeless people (including families with children) who live out of their

cars DO HAVE CAR INSURANCE!

If those poor people have insurance

with you then I think it is a safe bet that they do NOT know they are

paying an extra $ 5 per month either!

4 of 4)

The fact that you

charge people who mail in checks to you (or mail in money orders to you)

the full $ 5 "Installment Fee' that of course isn't a $ 5 Installment

Fee when Automatic EFT procedures are in place (That most companies do

for free but you charge $1) is reminiscent of a time, long ago, when the

only way most people were able to pay their bills was by mailing in

payments.

Imagine, back then, if any company had tried to initiate

charges to their customers each time they paid their bills. That company

would have been a laughing stock.

But not now! We Americans are

all brain washed now & have largely forgotten that we didn't used to

have to PAY to PAY our bills!

Regards,

Review: To clarify, I am leasing 2 vehicles from [redacted] and am mandated to have specific coverage. All policies mentioned below have identical coverage and deductibles.

I had been a client of Geico for 2 years and have never had a lapse in coverage. My monthly payments were $208.23. In August 2013 I was late with payment and coverage lapsed for 13 days. Insurance was reinstated (with Geico) and was paid. Again coverage lapsed for 4 days in October. It was again reinstated with Geico. After this second lapse, Geico increased my MONTHLY payments to $465.53. This amount was paid in November and December, on-time, and via direct deposit. I had contacted Geico multiple times and requested consideration and reconsideration regarding my policy premium. They refused. I could not afford to continue paying $460 for insurance. I paid December's bill and requested to remove automatic payments because I was looking elsewhere for insurance for January and to cancel the policy in January for non-payment. I did not pay January's bill (due 7JAN2014). Policy was set to cancel on 07JAN2014. I didn't find appropriate insurance until 14JAN2014. My current policy is $172.11 a month. I knew it would be far less expensive for me to pay a state penalty and surrender my plates for those 7 days than to pay Geico. I opted to let the coverage lapse. I had also told my new insurance that my coverage had lapsed for 7 days. They told me so long as the lapse was less than 21 days it would not affect my new policy. Geico cancelled my policy on 21JAN2014. I told them to cancel it for 7JAN2014. They refused, but moved the cancel date to 14JAN2014, the date I started new coverage. Geico is now looking for $117.50 for the 7 days in January (7JAN-14JAN), even though I specifically told them I didn't want their coverage. I am requesting to be absolved of the "remaining balance" of $117.50 due to the fact that I requested the policy to lapse.Desired Settlement: I am requesting to be absolved of the "remaining balance" of $117.50.

Business

Response:

May 19, 2014Dear [redacted]:This will acknowledge receipt of your May 18, 2014 inquiry regarding the above referenced private passenger automobile insurance policy.On January , 2014 a notice of cancellation for nonpayment of premium was mailed to the address on file indicating a cancellation date of January 24, 2014 because GEICO did not receive a past due premium installment payment of $444.42 by its January , 2014 due date. The policy was subsequently cancelled for nonpayment of premium on January 24, 2014 since the minimum required payment was not received by the indicated cancellation date. The cancellation also resulted in an outstanding earned premium balance of 262.50 since the policy was not paid up to the January 24, 2014 cancellation date. Enclosed are copies of the premium installment bill, the notice of cancellation, and its proof of mailing.On January 28, 2014 an earned premium bill was sent to the named insured indicating that the above policy was cancelled on January 24, 2014 and that an outstanding balance of 262.50 was due on the cancelled policy for coverage our company provided to the stated cancellation date. Enclosed is a copy of the earned premium bill dated January 28, 2014.On January 28, 2014 the named insured contacted GEICO via telephone to indicate that new coverage was obtained with another carrier effective January 14, 2014. Accordingly, the policy cancellation date was backdated to January 14, 2014, which resulted in a revised outstanding earned premium balance of 117.50 since the policy was not paid up to the January 14, 2014 cancellation date. A revised earned premium bill was subsequently sent to the named insured on January 31, 2014 indicating that the above policy was cancelled effective January 14, 2014 and that an outstanding balance of 117.50 was due on the cancelled policy for coverage our company provided to the stated cancellation date. There is no indication in the policy records that the insured previously requested to cancel the policy effective January 7, 2014. Enclosed is a copy of the revised earned premium bill dated January 31, 2014.Since there appears to be no valid complaint against GEICO, we ask that this be removed from our record.

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

I did, in fact, call during the December 2013 month to notify Geico that I would not be insuring with them for January 2014 and to let the policy cancel/lapse. The call was recorded. It is on record. I should not need pay for the 7 days that Geico held me hostage in their policy.

Regards,

Business

Response:

May 21, 2014Dear [redacted]:This will acknowledge receipt of your May 20, 2014 follow up inquiry regarding the above referenced private passenger automobile insurance policy.Please be advised that GEICOs position on the matter remains unchanged. As stated in our prior response, there is no indication in the policy records that the insured previously requested to cancel the policy effective January , 2014. Therefore, we are unable to comply with [redacted] request to waive the outstanding balance reflected on the policy.As per the recording of phone calls, please be aware that telephone calls to our Customer Service Department are randomly recorded for quality purposes, and these recordings are only kept in our system for a maximum of thirty days. Accordingly, if the telephone call made by the complainant was recorded it would no longer be available.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 ###-###-####.Very truly yours,

Review: I have had my vehicle insurance policy with Geico for several years. My insurance policy apparently lapsed May 5th/2014 and I was somehow unaware. That part is my responsibility. However tonight 8 days later, I was online and became aware via an email that my vehicle policy was canceled. I called in to Geico, and was told that my policy now costs $122.50 more for 6mos due to the lapse. The reasoning given by Supervisor [redacted], was that this was some type of penalty for my vehicle insurance having been lapsed. I find that unfair and unethical; if nothing has changed with my policy, and I have been with this company for several years, there is no reason there should be a $122.50 increase in my overall 6mos policy. I would also like to point out very poor customer service, as the initial person I spoke with was employee Adrian - she had no other identifying employee number or last name initial or extension # to give me to identify with whom I was speaking; she told me she could give me no other way to identify her, a Geico employee. This employee then took approximately 15 to 20 minutes to provide me with a supervisor, keeping me sitting on the line. It almost seemed as retribution because I requested a supervisor. When the supervisor, [redacted], finally got on the phone, she told me that they do not provide any type of identifying information beyond first name for Geico in their part of the country; however, contradictorily she then gave me her full name.Desired Settlement: I would like to return to the amount I was paying for vehicle insurance with this same company 8 days ago, which was $437.90 instead of the policy forced on me tonight of $560.40.

Business

Response:

Review: I was in a car accident with a commercial truck who ended up turning into my lane and hitting the front of my car. Geico is my insurance company and I have liability insurance. I called to make a claim. They were not helpful at all. First they told me that they could in no way contact the other party's insurance. So I had to call and give them my information and try to sort this out on my own. The other insurance company was surprised that my insurance was not getting involved. Once the other company said they were not excepting fault I contacted my insurance. They were very unprofessional they did not come take any photos and I had to ask for my statement to be taken. I feel like there was no investigation done on their part. In the end they claimed that it was not my fault and will not be paying for damages. In response the opposing insurance also said they would not be paying for damages. The truth is that I was not at fault. The other vehicle has no damages so it's not really a problem for them. I am stuck with a huge bill to fix my car. I feel that Geico could have tried to investigate and fight for me, which they have not. I feel like they are not doing their part as my insurance company because they got out of paying for the other car. In addition I have not received any phone calls with updates and every time I call it's difficult to get a hold of someone. I didn't realize how much I was being cheated until I did my research.Desired Settlement: I would like my car repaired. I would like for Geico to investigate the incident and have the opposing insurance pay for my damages.

Business

Response:

Dear **. [redacted]:

Review: Geico did not pay out for a claim and 8 months later there is no resolution.

In March of this year - 2013 - my car was hit by a driver and there was damage to the passenger side door. I gathered their information and filed a claim with Geico. A month or so later I had not heard anything and so I followed up. At first they said I closed the claim which was not accurate. Then they spent months trying to call the other driver. In some instances they had me personally call the driver. In all these cases I was told the correct information was provided to Geico. Every followup was basically Geico saying they could do nothing but leave voice mail messages. They had the driver name, contact info, insurance info and whatever else they needed. I could repair my car, but they couldn't promise I would ever get payment. I paid my insurance on time for years and this was a simple claim. 8 months later there is not resolution and I've changed insurance companies. Every person I talked to told me something different, or promised it would be taken care of. I find it hard to believe they can do nothing but leave messages for someone to followup on a claim. This is the second time I've had issues with their claim process. I feel like they took my money and never delivered when I needed to actually make a claim. I'm not sure why I paid them at all, other than to fill the legal insurance requirement. They never even asked me for pictures or any normal claim information. I'm extremely unhappy with their service and have spent what feels like hours on the phone with Geico over the last 2 years. More so than any other company I've ever worked with.Desired Settlement: I would like to have payment to repair my car. It would be nice to get a refund for the months I wasted trying to get them to process the claim as well (March 2013-Sept 2013).

Business

Response:

October 29,2013

Revdex.com Metro Washington DC & Eastern Pennsylvania 1411 K Street NW #1000 Washington, DC 20005

RE: Department File #:

Complainant:[redacted]

Our Claim#:[redacted]

Our Insured:[redacted]

Loss Date:March 19,2013

Dear **. [redacted]:

Thank you for your letter dated October 20,2013,

This claim was reported to us on March 19,2013 by our insured, [redacted], **. [redacted] reported the passenger side of her vehicle was damaged when another vehicle pulled out of a parking spot and scraped along the side of the car. **. [redacted] was advised that she was considered to be not at fault for the loss. She was given the option of filing through her own coverage, which she would be responsible for a $500 collision deductible, or filing directly through the at-fault party’s insurance. **.

[redacted] indicated that she wouid not be using her own coverage and that she would file for her damages directly through the at fault party’s insurance. The other vehicle involved was a company vehicle for the [redacted] of [redacted] and was self-insured through [redacted] County. No further follow-up was requested at that time.

On April 8, 2013 **. [redacted] contacted us indicating that she was waiting to hear back from us on how to proceed with the claim. We attempted to contact the driver of the other vehicle to obtain their insurance information, leaving a voicemail message. On April 10,2013, we obtained contact information for a [redacted] in the [redacted] County Attorney’s Office reportedly responsible for handling liability claims against the county. From April 10,2013 through September 4,2013 we made fifteen attempts to contact **. [redacted] and others in the [redacted] County Attorney’s office in order to establish a claim on **. [redacted]’s behalf. We have yet to receive a returned call from that office. On March 19, 2013, April 23, 2013, May 21, 2013, July 3,2013 and September 4, 2013 we conveyed to **. [redacted] that she has the option of filing through her collision coverage in order to be compensated for her damages. **. [redacted] has refused to use her collision coverage each time that the offer was presented. On October 29, 2013 we called and left a voicemail message for **. [redacted] to again offer the use of her collision coverage for her vehicle repairs. As noted to **. [redacted] we have no legal recourse against the at-fault carrier without her rights of subrogation being transferred to us by allowing us to pay for her damages.

If any additional information is needed, please contact [redacted], Liability Director at ###-###-####, extension: [redacted].

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

The initial claim being closed (their opening paragraph) was not correct. I never said I would file it myself, it was a clerical error on their end. I even indicated to the person I spoke with about the initial claim that I was concerned about their claim process due to a previous accident filing that took months to resolve. I wanted to avoid a long drawn out process again and was assured it would be taken care of in a timely manner. If there is a recording of this conversation I would like hear it!

The secondary option they gave me, was to pay for it out of pocket and IF they were ever able to file a claim with the second driver I would be re-reimbursed. At the rate this was going it sounded like I would never get the money back and I would essentially just pay for it myself and wait for some indeterminate amount of time when I may or may not get my money back. I find it confusing that simply refusing to answer your phone is a viable method to avoid having to take responsibility for an insurance claim. At one point they had me personally call the driver to try and get the information they needed. He answered right away and told me they had provided the information to Geico. I'm pretty sure I didn't pay a bunch of money to do Geico's work for them. As far as I can tell Geico is the only party having an issue with this claim.

The whole thing should not be this complicated and whatever nuanced issues they have with the claim process should not be my problem. I paid them money for years to cover accident damage to my car and the best they could do was call and leave voice mail messages? Then tell me to pay for it myself and hope they figure out a way to get my money back? I didn't trust them to ever follow through with the claim (which according to this letter indicates that is the case). So essentially they were asking me to pay for the whole claim out of pocket for them.

Regards,

Review: I tried starting a new policy with Geico on January 23, 2013. THe new premium to start the policy was for $171.00. Geico clai** that the withdrew $358.00 because of a premium owed over 6 months ago. They did not warm me that the past due would have to be paid before I could start a new policy. I have tried to resolve this issue with Geico. I get different answers when I call. and they are unwilling to reverse the payment for me. I didn't not authorize the $358. to be taken out of my account and would like it to be refunded. Thanks!Desired Settlement: I am seeking the settlement of the unauthorized $358 to be refunded back into my account.

Business

Response:

February 7, 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 extracted funds from her account without proper authorization. She has requested that GEICO reverse the transaction.

GEICO’s records show that **. [redacted] completed a quote for an automobile policy on January 22, 2014. When completing the quote via GEICO.com, she was presented with a screen explaining that she must pay $358.64 in overdue earned premium from a prior policy before binding a new policy. **. [redacted] authorized the payment by entering her banking information and acknowledged the disclosure by continuing to the next web page.

It is GEICO’s position that all proper procedures were followed in the collection of the funds. GEICO maintains that there is no refund due to **. [redacted] at this time. 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 am 74 years old woman who had been taken by this insurance company stated above. The file adjuster assigned to my case, [redacted], made me feel ignorant and that I had no knowledge of my vehicle policy. She also applied stressful pressure because of my age in which she did not have to fulfill my insurance. On May 24th my 1983 Pontiac Firebird was severely vandalized at my place of business. I Reported the incident along with a police report. I have full Coverage on my Pontiac with rental coverage. They refused the rental portion of my coverage and it gets worse. The appraiser, [redacted] came out to estimate the damages. I have a 500.00 deductible. I received via email the reported damages, which states: TOTAL LOSS and damages of 2423.08 minus the deductible of 500.00 came to 2057.86. [redacted] followed up via email with a TOLAL LOSS CLAIM of 1146.46. I made numerous phone calls to [redacted] to at least fulfill the rental portion of my coverage and she did not comply. I contacted [redacted] who changed his statement and now the damages have changed considerable lower. I could not handle the stressful communication I was having with those stated above because it was affecting my health and authorized my son [redacted] to follow-up. My son requested to talk with a the supervisor, [redacted]. The best he can offer was 522.01 and only 3 days of rental. By no means of the imagination did they fulfill the obligations of my insurance policy.Desired Settlement: Rental coverage covers 25.00/ Day for 17 days comes to 425.00 and the correct est. damaged which was given at 2423.08 minus deductible (500.00) comes to 2057.86

Rental coverage starts at May 27th to June 12th. The monetary offer to cover the repairs was not settled until June 5th. Projecting the date to receive payment by mail on June 7th and according to the appraiser's estimate of repair would take 5 days. Repairs would start on June 7th and end on June 12th.

(REPAIRS) 2057.86 +(RENTAL)425.00=2482.86

Business

Response:

Dear [redacted]:

Review: GEICO took out the entire amount of our policy ($590.00) when my wife spoke to an agent on the phone instead of our usual monthly payment ($151.00). This caused us to have massive overdrafting and, while GEICO did refund the amount minus our normal monthly payment, they refused to pay anything toward the overdrafts even though I submitted bank statements.Desired Settlement: I believe an acceptable amount would be $500.00 deposited into our account. My wife is 7 months pregnant and they tried to place the blame on her for this situation when they are the ones at fault.

Business

Response:

Review: On 7/5/2013 I went to geico online to purchase insurance for my new truck. I tried to select full coverage but was denied because the vehicle was not new and had so many miles on it. I had selected all the possible coverage I could including uninsured motorist, comprehensive, collision and rental reimbursement. I was denied mechanical breakdown and even called the geico contact phone number to ask why. I was told because of the age of the vehicle. I took my vehicle out of state to travel January of 2014. While I was traveling through Wyoming I hit a patch of ice and wind and went off the road hitting a guard rail and overturning my vehicle. I was ok and called my insurance company to report the claim only to be denied. When I went online to check my coverage I found my collision missing along with my rental reimbursement. When I called to complain and ask for my original policy documents I was told I had never purchased collision. They claim if I had there would be a note. I know for a fact geico is disorganized. I had many problems with geico keeping track of records in the past. Such as when I deleted my e150 from my policy and they continued to charge me for 7 months for the vehicle. I also had geico agents make changes to my policy without my permission in the past such as canceling and adding my road side assistance this January. I'm under the impression they have issues with their online insurance program and their agents. As a matter of fact I canceled my road side assistance in August of 2013 when they failed to find a tow truck to tow my vehicle to my shop. Yet they continued to charge me for it and once again had no record of my cancellation. I only found out this December when I tried to add road side assitance and they told me I already had it and had been being charged for it for the last 5 months. So I have no doubt that they lost track of my coverage at some point with all the unauthorized changes geico made to my policy that or they are committing fraud. Nowhere can I find my policy changes online. Why am I paying so much for my policy if I never had collision coverage? [redacted] offers uninsured motorist, collision, comprehensive, road side assistance and rental reimbursement for $80 cheaper. Why would I have paid more to geico for less insurance and why would I pay for animal coverage, lighting coverage, tree coverage etc when It would be way more likely for me to hit something while driving and not purchase collision. I've been looking for this truck for over 6 years and I finally found and purchased it. I wanted to make sure nothing would ever happen to it and if it did I could fix it.Desired Settlement: Fix your mistake and cover and repair my vehicle or refund me the money I wasted to be "insured" with geico.

Business

Response:

February 7, 2014

Review: Please tell Geico to stop all advertisement to me.Desired Settlement: This is a letter I was sent. Make Geico stop all their garbage.

(Please see scanned documents).

Business

Response:

Review: On the 17th of March, on the way to work, I was rear ended on the freeway. The back of my vehicle was substantially damaged as a result of the collision. When police arrived, the reconfirmed that the driver behind me that struck me was at complete fault. I called Geico insurance the same day to file the claim and was told to call back on Monday.

On Monday the 18th of March I called Geico insurance and informed them of the accident. I was told that in order to file the claim that I would need to go to the police station and pick up the report, which was the beginning of poor customer service. All insurance providers I have experiance with, including [redacted], do NOT require the customer to go to the police station in their damaged car to pick up the report but rather put this task at the hands of the customer service representative via a simple phone call the the police. They also told me that I must call the OTHER insurance company, the one belonging to the at fault driver, to file the claim with them. Once again I am astonished at how lazy the geico customer service representatives are. It is unheard of that the customer must do the work of the service representative, taking time off of work, to be able to contact their insurance, the police department, and the at fault drivers insurance, and be the one whom does all the work that should be done by the PAID Geico employees.

After this, in the following days, I had to take time off of work to get in contact with all these entities to compile the information that geico should have collected themselves. I was then told by the Geico staff that I must also call another insurance company of another driver who hit the driver that hit me, and explain the accident to them as well.

In about a week or so, through no help from geico, I set up an appointment with the at fault drivers insurance to take pictures of the damages. I called the geico representative regarding this situation, and also expressing my concern regarding driving a car, which might be compromised safety wise because of the accident, and that I would appreciate the situation be settled as soon as possible.

The Geico representative told me that they would get in contact with the other insurance company and settle the matter within a few days.

It has been more than three months since I was hit, and every week I am calling Geico, and being put on indefinite hold, or told that they will call me back, but have not received any correspondence from geico whatsoever.

We are moving towards FOUR months since my vehicle has been hit. FOUR months that I am driving a damaged vehicle that might even be unfit to drive. FOUR months that I am paying all Geico bills on time and not receiving the service I am paying for, FOUR months that geico is taking my money WITHOUT doing their job in a matter that should have been settled in a week or two.Desired Settlement: All I am asking for is that Geico do what I am paying them to do, and orchestrate the repair of my vehicle, which might be even unfit to drive and be unbeknown to me because of the negligence of the geico staff in this matter.

I have been a good customer to geico, paying all dues on time, it is very sad that geico is unable to return this favor and be a good insurance provider, settle this case with the at fault driver, and my car which has been damaged as a result that is no fault of my own.

Geico should also offer a complimentary service or credit as a token of good will for "dropping the ball" and being negligent and dismissive of my issues this situation.

Business

Response:

Dear [redacted]:

Review: Geico has been charging my personal HSA account for car insurance (ex-husband' account) - Will not credit back any of the debits nor remove the HSA (health savings account!) card from the account. This HSA card/account is in MY name only, I have tried to give them proof and they are apparently not concerned with Fraud or Faulty information given!Desired Settlement: Geico should be concerned with any fraud related and/or faulty information given. They should reimburse either my HSA account or by check ($310.00) and remove my card from the 'other persons' policy!

Business

Response:

May 28, 2013