Geico Corporation

Review: GEICO's insistent, endless, constant NAGGING reminders about policy renewal need to stop IMMEDIATELY!

In the past, I have requested GEICO to STOP sending reminders to me concerning policy renewal. I am very well aware of my insurance policy expiration dates and I have always renewed my policy on time. I have written, called, and emailed the GEICO headquarters to refrain and desist from sending email, electronic and mail reminders, all of which GEICO has chosen to ignore. I am very happy with the product and timeliness of the service. I am just very unhappy with being constantly badgered to renew my policy. Another issue is GEICO's assumption that by sending the mail reminders along with renewal cards (automatically) that I will automatically renew my policy.

I am requesting that GEICO review it's renewal policy and to stop the constant nagging reminders to renew and to desist automatically sending out insurance cards for the next renewal period, not knowing whether or not the customer will renew.Desired Settlement: I would like for GEICO to, in the future, send out only ONE reminder of policy renewal near the expiration of policy, the notification of the customer's choosing: email, electronic or postal. I am not seeking any monetary compensation. I am also requesting a company wide apology from GEICO.

Business

Response:

October 30, 2013

Dear [redacted]:

This is in response to your correspondence received in our Washington, D.C. Executive Offices. It was referred to the [redacted], TX Regional Office for a reply.

We certainly did not intend to offend [redacted] by sending the payment reminder notices. The payment reminders are sent to avoid cancellations for non-payment and the possibility of a lapse in coverage. Many of our policyholders appreciate this service. In addition, insurance companies are required to notify policyholders in advance of nonpayment cancellation.

If you need additional information please contact [redacted] by telephone at ###-###-#### or by email at [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.

Regards,

Review: I purchased insurance for my RV for my protectionI was clear when purchased the insurance that I needed rental car coverage and motel for breakdown or collision of the RVI WAS CRYSTAL CLEAR FOR THIS PRIORITYGeico refuses to reimburse meI did my part thoroughly when contracting with geicoI spoke clearly with the lady on the phoneWhen I broke down in my mind I knew what I had for coverage.....I broke down...needed a car and motel....and geico changed reworded the coverage for only collisions do I get the help I needThat is not what I agreed to in my conversations on the phoneI was adamant about my coverage needI must have safety to get home with a rental carI was misled...or I would have never chose geicoWhen I needed help ...geico tossed me under the bus and ran right over meGeico misled me....told me I was covered in conversations...and now they tell me because I did not wreck my car I get no safety of a ride home....I'm stuck and my heart from the beginning of the car problems knew I was safely going to be good due to my insurance....that did not happen.....bait and switch....I was lied toI was very clear on what I needed in coverageI was driving a used rv for milesI was covering myself....geico failed me in communicating correctly on the phoneI just want reimbursed for my motel and car rental as I was told I had when I purchased the insurance.Desired Settlement: Just reimburse my rental car and motel expensesMake the policy match the intended outcomes for my securityAs I was clear in describing my needs
Business
Response:
April 10, 2014Dear [redacted]:We have received your letter requesting assistance on behalf of **[redacted]I welcome the opportunity to respond to his concerns.**[redacted] believes he should be reimbursed for a rental vehicle and a motel room from the breakdown of his RV which occurred on March 28, 2014.We obtained a recorded statement from **[redacted] as well as reviewed our policy contractIn this case, **[redacted]'s RV experienced a mechanical breakdown and as a result, he incurred some expensesMechanical breakdown is not a covered loss under **[redacted]'s policy, and as result we disclaimed coverage for this loss which would include costs for a rental vehicle and lodging.We would like to assure **[redacted] it has been our goal to handle his claim in a thorough and fair manner, and we regret any inconvenience this matter may have caused him.I hope this information is helpful in resolving **[redacted]'s concernsIf you have any additional questions, please contact my associate, [redacted], at ###-###-####, extension [redacted].Sincerely,
Consumer
Response:
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Review: [redacted]
I am rejecting this response because:

Review: Claim#[redacted] was filed after my husband struck a deer on Thanksgiving eve. Estimate was submitted from nearest repair shop and we were told via Geico that the vehicle would be a total loss due to the amount. I found a shop that would work with insurance to keep the vehicle from being totaled but I was told by adjuster that it was not possible to accept additional estimates. After going back and forth with the adjuster and catching her in three lies I requested her supervisor. By this time we were already into our claim by almost two weeks due to delays in call backs by Geico. After speaking to "supervisor" [redacted] I was finally able to get approval to submit a new estimate. The estimate was submitted that day and it took five days before I received a follow up from **. [redacted]. She approved the estimate but stated there were duplicate parts on the estimates, once that was corrected a check would be cut. I emailed a corrected estimate that day and again could not get in touch with anyone, no call backs for another four days. This put us at the Friday before Christmas. I received a call stating a check was being mailed but not told the amount etc. I followed up with **. [redacted] the same day and was told that she would be out of the office until Dec. 30th on vacation. When the check was received it was for the incorrect amount. I called and the representative had a new check issued on Dec. 26th. On New Years Eve the rental company charged my husbands card for the rental service. I followed up after the holiday with **. [redacted] and she stated that the last check was processed incorrectly again and she was issuing a new check, this was Jan. 2nd. As of today, Jan. 6th no check has been received and no repairs to my vehicle have been done waiting on this payment. We were told that they would not extend our rental because we have maxed out the total amount our policy covers. I find this extremely convenient for Geico since they have yet to even get us the repair check to fix our only car.

Product_Or_Service: AUTO INSURANCE

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I would like reimbursed for any rental coverage that we incur during the time it takes to receive the correct payment from Geico and a reasonable amount of time for the repair shop to complete the repairs when payment is received. Delays were not caused by us the customer or by the repair shop but by Geicos poor customer service from the beginning of this process. Our vehicle should have been repaired two weeks ago and would have been had this claim been handled prop

Business

Response:

January 28, 2014

Dear **. [redacted]:

Thank you for your email of January 22, 2014.

On November 27,2013, our policyholders, [redacted] and [redacted], submitted an internet loss for damage to their 2005 Ford Expedition after hitting a deer. On November 29, 2013, first contact was made with **. [redacted] and the vehicle was towed to his shop of choice. On December 2, 2013, our internal adjuster contacted the shop and **. [redacted] to request the repair estimate and photos of the damage.

On December 4,2013, we received and reviewed the photos and estimate. At that time, we determined the vehicle to be a total loss, called the customer and left a voicemail. On December 6,2013, we spoke to **. [redacted] who advised he would have the vehicle towed to the repair shop in which he works to have personal items and new tires removed and call when ready for GEICO to take possession of his vehicle. On December 9,2013, we received a call from **. [redacted] advising that she did not want the vehicle to be considered a total loss. She stated she could have another estimate written that would prevent the repair cost from exceeding the total loss threshold.

On December 13,2013, we received two estimates, one for body damage and another for mechanical damage. The new estimates put the loss below the total loss threshold. Upon review, we found overlapping parts between the two estimates that further reduced the estimated overall cost of repair. We contacted **, [redacted] and asked to have the estimates corrected and resubmitted. On December 18, 2013 the updated estimates were received and still had overlapping parts. We contacted **. [redacted], but had to leave a voicemail. In order to expedite the process, two checks were issued. We issued one payment to **. [redacted] and the mechanic shop and a second check **. [redacted] and body shop less the overlapping parts.

On December 26,2013, **. [redacted] called and disputed the paid amounts, requesting payment be issued to her and only the mechanic shop for the full repair. To date, all payments for repairs have been issued. We assisted by paying for 37 days of rental, 7 days over the policy maximum of 30 days. This assistance was provided as a courtesy to our customer.

We sincerely apologize for any delays and communication problems **. [redacted] experienced during our handling of the claim. Should you have any further questions, please contact [redacted], Auto Damage Manager, at ###-###-####.

Sincerely,

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:

Regards,

Review: I called in for a quote expressing that I wanted two cars on one account and that both cars currently had insurance however, would be cancelling them to come to Geico. I was given a quote only to find out a day later that it was incorrect. [redacted]. prepared a quote that stated if one of the cars was involved in an accident, would need submit a claim to the non-existent and cancelled insurance company. (Why would I need Geico if this were the case?) Another agent, I believe her name was [redacted], caught the error and explained that the quote would increase due to the other agents mistake. I politely told her I didn't want the policy and to cancel it. She offered to report the problem and said someone would be calling me back to see if they could do something about the quote. I received a call from [redacted] a couple of days later apologizing. At that point, everything should have still been cancelled however I received an email yesterday stating that a deduction would be taken from my account. I never changed my mind anywhere in the process reversing the cancellation decision. I spoke with [redacted] who stated that the policy had not been cancelled and that I needed to provide a declaration page showing proof of insurance from the other insurance company. I didn't understand why I should have to do this being that I clearly stated your insurance was too high and to cancel it. But I called Progressive and asked them to send it. Now, I'm being told that I need to send another declaration page for the other car however, I don't think I should have to when your records, which I know, clearly indicate that I asked for the cancellation. At this point, Geico is still trying to charge me for something I cancelled almost a month ago. This is the WORST experience I've ever been through and will definitely pass the word on to others that you are a company that attempts to extort money. They are attempting to collect monies on an account that I asked be cancelled less than 24 hours after the initial request of service.Desired Settlement: Clear my account and show that nothing is owed based on them listening to their recorded conversations with the various agents. I should not have to go out of my way to correct the issue when it wasn't my mistake.

Business

Response:

May 13, 2013

Review: I ordered a quote for insurance on my " friend" who was going to be taking over car payments on my car so that she could drive it and needed to know how much it would cost her before we made up a written contact. Geico notified me how much it would cost but informed me that her license was suspended and the contract didn't go through. Geico then added her to my policy without my consent and will not take her off despite my efforts I am no longer in contact with her and no longer have the car in reference. Geico is still charging me on my policy at this timeDesired Settlement: I would like to have her removed from my policy and all of the charges that have incurred during this time

Business

Response:

September 9, 2013

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 added a driver to her policy when she requested a quote online at GEICO.com. She has requested that GEICO remove the driver from her policy.

GEICO’s records show that **. [redacted] requested a quote to add [redacted] as a driver on her policy on January 22, 2013. Upon further review of the policy, it was determined that [redacted] was a risk to the insured vehicles and would need to be added until proof of residence was submitted showing that she did not reside within the household. On February 6, 2013 **. [redacted] advised that she would provide proof of residence to have [redacted] removed. To date, no documentation has been received by GEICO showing that [redacted] was not a risk to the insured vehicles.

It is GEICO’s position that all proper procedures were followed in the handling of the policy in question. As a matter of good faith and excellent customer service, GEICO has removed [redacted] from the policy effective August 30, 2013. As a result, the policy has been credited $173.38. 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: THEY CHARGED ARE TRYING TO CHARGE ME $89 WHEN I NEVER AGREE TO A MOTORCYCLE POLICY WITH THEM, I ONLY ASKED FOR A QUOTE AND RECEIVED A BILL IN THE MAIL ON A BIKE I NEVER OWNED. I''VE TRIED TO REASON WITH THEM AND MY ATTEMPTS HAVE BEEN UNSUCCESSFUL. I FEEL LIKE THIS IS ONLY ONLY WAY.... WITHOUT HAVING TO HIRE A LAWYERDesired Settlement: A BILLING ADJUSTMENT ASWELL AS AN APOLOGY. I WOULD HOPE THRY WOULDN'T DO THIS AGAIN TO NOT ONLY ME BUT ANT POTENTIAL CUSTOMER THAT IS JUST LOOKING FOR A QUOTE.

Business

Response:

May 20, 2013

Review: I was looking at auto insurance threw Geico issuance, I was quoted 147.some change. at that time I did not have 100% of information. then I added my wife's information and came up with 154.48 per month. so I decided to get the insurance. I entered my debit card information and proceeded to purchase the policy. I went threw all the steps and the last step was myself authorizing a payment of 154.48 witch I did and after that the page was processing payment for a few seconds and the a page said a payment of 251.94 was processed.I called Geico up right away to find out what happened, and why I was told 154.47 then was charged 251.94? they could not figure what happened but the insurance should be 251.94 a month. so I canceled it. aprox. 15 minutes after it was purchased. My complaint is 2 parts. The main one is Geico has still not refunded my money its been 6 days and they still have not refunded me the monies, Thhey took in seconds and took more than what I authorized. Second complaint is for false misleading sales tactics stating one price and charging a different higher price.the account number: [redacted]

Product_Or_Service: auto insurance

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

need monies returned with a 29.00 over draft fee for a total of 280.94due to Geico stating me one price and charging me more and not refunding the money made my account go in the red.

Business

Response:

April 2, 2014

Review: GEICO raised my insurance rate for no reason at all! I have a perfect driving record, nothing has changed. The vehicle has gotten a year older, so it should be cheaper to insure! Policy number [redacted]Desired Settlement: I want a refund in the difference between my payments for the last few years and this uncalled for rate hike of $22.00!

Business

Response:

March 6, 2014Dear **. [redacted]:This is in response to your correspondence received in our Washington, D.C. Executive Offices. It was referred to the [redacted], TX Regional Office for a reply.**. [redacted]’s concern over the cost of his insurance is understandable. GEICO strives to provide the best coverage at the lowest possible rate. The renewal documents show an increase in premium that was effective in Texas for policies renewing effective December 9, 2013 and later.**. [redacted]s GEICO automobile policy renewed effective September 21, 2013 through March 21, 2014 at a premium of $224.50. **. [redacted]'s Defensive Driving Discount had expired and was noted on the Important Policy Information Section of the Renewal Declarations Page (copy enclosed).**. [redacted] contacted GEICO on August 19, 2013. The Defensive Driving Discount was re-added effective August 20, 2013 as well as adding a Multi-Line Discount effective May 7, 2013 (copies enclosed). These discounts reduced **. [redacted]'s six-month policy premium to the amount of $196.20.**. [redacted]’s policy renewed effective March 21, 2014 through September 21, 2014 at a premium of $208.30, indicating a total renewal premium increase of $12.10. The premium increase is due to the statewide rate increase GEICO implemented and the deletion of the Multi-Line Discount as the additional policies with GEICO are no longer active, per the Important Policy Information Section of the Renewal Declarations Page (copy enclosed).We appreciate the driving record **. [redacted] has maintained; however, in order for the insurance system to work, each customer pays a relatively small portion of the total premium needed to cover the costs of the accidents of all policyholders in the group. Insurance companies pool the premium of many people to pay for the losses of a few. But if the cost of paying for the accidents of the group increases rates eventually may increase for all the customers in the group, even for those not filing clai**.**. [redacted] can reduce his rates through the many discounts we offer. He can contact the below Customer Service Department at his convenience to discuss the applicable discounts.If you need additional information please contact [redacted] by telephone at ###-###-#### from 8:00 am to 4:30 pm CST or by email at [redacted].Sincerely

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:This is total garbage! GEICO admits to charging it's customers for reckless, careless, and faulty driving of others and passes it on to GOOD customers with perfect driving records? What a complete farce! So, like the US government, there is no responsibility and accountability for others who do wrong or incompetent! Let me tell you one thing, you are foolish to think that we the good and responsible people will carry on this kind of welfare mentality for much longer!

Regards,

Business

Response:

March 25, 2014Dear **. [redacted]:This is in response to your correspondence received in our Washington, D.C. Executive Offices. It was referred to the [redacted], TX Regional Office for a reply.Prior to the March 21, 2014 renewal of **. [redacted]’s GEICO automobile policy we implemented a statewide rate adjustment. Accident and claim frequency plus the rising cost of medical expenses, court awards, automobile repairs and replacement parts, and the cost of settling these claims all affect our costs and premium that you pay. GEICO found it necessary to increase premium levels to reflect present and future costs.**. [redacted]’s premium adjustment on the March 21, 2014 renewal reflected the multi-line discount was no longer being applied to his policy as the additional policies with GEICO were no longer active (copy enclosed).We don’t like to increase our rates any more than **. [redacted] likes to pay them. We do believe, however, that in the long run, GEICO rates will prove favorable when compared with others. Our staff is striving to fulfill our commitment to provide the best automobile insurance at the lowest possible cost.Please be assured that we share **. [redacted]’s concern over the rising cost of insurance and are doing everything possible to keep our rates as low as possible.If you need additional information please contact [redacted] by telephone at ###-###-#### from 8:00 am to 4:30 pm CST or by email at [redacted].Sincerely,

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:

It is not my fault that I have to pay for other drivers stupidity! charge them for it, NOT ME!

Regards,

Review: A claim that was handled against us with no proof.

My brother was involved in an accident, with my car, that was not his fault. The claim # is [redacted] Geico believed everything the other driver said even though it was a complete lie and did not bother to call and tell me how the claim went. They did not return my calls. I had to keep calling repeatedly until someone answered. They did not come to inspect my car. They did not try to contact the police officer. I was finally able to contact the police officer who said that my brother's story holds. I am still trying to resolve this and I am not happy with how everything was handled. My insurance premium has unjustly gone up and the claim has been put on my record even though I had nothing to do with it and even though it was unjustly done.Desired Settlement: I would like a refund of the difference the premium has gone up, I would like compensation for several months of trying to fix this with no results. I would like Geico to help me have my car fixed from the other driver's insurance company.

Business

Response:

After being a customer for 2 years in AZ, I was transfer to UT for work and with the address change my glass coverage was dropped. I was not informed of this change in coverage until I submitted a glass claim. Geico's lack of communication will cost me between $200 - $300.

Review: My car was in a rear-end collision where my car was not able to start 10 minutes later after start up. I had to get the car towed and informed the insurance company that I have exterior as well as interior damages. The came to inspect the exterior damages and told me that if I wanted to get the interior damages included I had to pay out of pocket and get a mechanic to validate this. After spending the time and money and having a dealership write a report for the accident related damages, they claim the statement to be false. They then took the opportunity to have their own mechanic look at the car and assess that despite what a reputable dealership said that my internal damages had nothing to do with the accident. The adjuster then claimed that “the company is trying to keep expenses down and with an old vehicle such as I have, it was bound to have proble** anyways.” My vehicle. dispite its age, was fully functional before the accident and the day of the accident is not running and nobody feels like its worth the time and trouble to properly as my vehicle. I have no car and I am not able to go to work to take care of myself and my family.Desired Settlement: I want the damges done by the accident to be repaired or compensated to get another vehicle so that I can continue with my daily obligations.

Consumer

Response:

Hello, Thank you for your swift response. The "At fault driver" as well as I both have Geico.

-[redacted]

Review: Had started..? suppose , A policy with geico, on may 24th 2014. The sales rep . took my payment of $54.08 at time then proceeded with my policy #[redacted].For full coverage, and renters on car and apt. On may 27th I received a text from my Netspend card stating my payment for Geico, Did not go through. Then received a email from geico, stating my payment of [redacted] was a check that been returned. NOT FAIR! Or TRUE! I need my money back, If able PLEASE respond. THANYOU, for your time! d. wrasse.Desired Settlement: A refund of my payment to start a 6 mon policy, That was never even Started!

Business

Response:

June 16, 2014

Very unsatisfactory service. For a company having such great benefits, they need better management. I have been taken for 90$ and its not the fault of my disabled veteran husband? The nerve of this "military friendly" company.

My car was totaled by another driver and it was completely their fault. Their insurance company was Geico. It took me 3 weeks to get them to give me a rental car and they only allowed me to have it for 4 days. Their phones were almost always busy and leaving a message was pointless because they would not follow up or return calls. When I did get someone on the phone, they quickly turned ugly when I insisted they do things like return my calls, call my attorney, work on my claim, IOW, their job. Her name was Quasha and she even told me not to call her back because she didn't like that I had called after hours. That was fine; I referred her to my attorney and that's what I recommend others do as well.

Review: Several months ago, I updated my billing info with Geico and made a payment online with this info. The very next billing cycle, they tried to charge my old, outdated payment info, which did not work. I logged in and saw that they indeed have my updated, current billing info, and told them to use the current information which I had already updated. They have continually refused to use the new information, ignored my communication with them to do so, they've kept trying to charge the old, incorrect and outdated info instead, and now they've canceled my policy, effective today, because they're too incompetent to use the updated payment info that was given to them several months ago.Desired Settlement: Company is to apologize for their incompetence, process payment as they should have done in the first place, and reinstate the insurance on the vehicle immediately.

Business

Response:

August 6, 2013

Review: I went online to get a policy for my vehicle, I authorized a down payment of 82 dollars and change, they charged me $241.07 and won't reverse the charge, they said if I did the transaction online there is to reverse the transaction.Desired Settlement: Just want to be refunded the $241.07

Business

Response:

November 26, 2013

Review: I have been a GEICO customer for years, and have always paid for Rental Car coverage on my insurance policy. The coverage costs $10 every six months, and is supposed to provide a rental car for up to $30/day, up to 30 days. When my car was totaled 09/06/2013, GEICO denied this coverage to me, saying that I am not eligible for it, since my car did not have collision insurance coverage. After GEICO agent [redacted] denied my coverage, the law offices of [redacted], contacted GEICO. At first, upon speaking with my lawyer, [redacted] was willing to grant me 10 days of rental car coverage. However, [redacted]'s manager at GEICO denied this coverage to me the next day. My lawyer's assistant, [redacted] filed an Insurance Commission Complaint against GEICO in September 2013, for bad faith.

My claim with [redacted] Insurance (the insurance company of the at-fault driver) was finally settled on 10/30/2013. As of today, November 5th, I have not been granted rental car coverage, reimbursement for rental car coverage, or a refund for the years of paying rental car insurance coverage on my policy.Desired Settlement: I would like to be refunded $900.00, which is how much rental car coverage I should have received from the company at $30.00/day, up to 30 days. Because of the processing time of this accident, I did not have a car for over 7 weeks.

Business

Response:

November 25, 2013

Review: On Thursday, May 15, I was involved in an accident. As a driver sped past, they came over into my lane. I was going 10 miles per hour below posted speed limits, and the other car was going quite fast. I had to brake and swerve off the road to avoid getting hit, and upon pulling back onto rain-saturated pavement, my vehicle lost control. I fought the spin, but my rear driver's side struck a bridge barrier. Immediately upon completing a recording of my statement, the adjustor launched into a statement about how the accident was my fault, and I would therefore be responsible for a 300 dollar deductible, though I have maintained full coverage on my vehicle for the past two years. Understandably, I was unable in a split second to write down the license plate of the other vehicle. I called immediately upon returning home. After the adjustor claimed the accident was my fault, although I undeniably saved both my vehicle and the other from further damages and/or expense, I asked to speak to a supervisor, who said she would review the recording and get back to me. No return call Thursday, Friday, Saturday, or Sunday. On Monday, I called 6 times and then posted to the company's [redacted] profile about the accident. The supervisor called a half hour before the office closed and repeated the notion that the accident was my fault. She was quite sarcastic and rude and tried to blame me for the delay, even though she could not seem to remember the day/date of my initial call/claim. They essentially kept claiming that I should have only braked, though that would have certainly caused the other vehicle to strike mine, causing more potential damage and injury to both parties. This seems to me to be a classic case of charging the customer because the other vehicle got away. I am sure that if I allowed the other vehicle to strike mine, their insurance company would be responsible.Desired Settlement: I should not have to pay the deductible, since I did all that I could to avoid any accident or injury. They are trying to deny the effects of a rain-saturated road upon the results of my attempt to avoid the accident altogether, and seem flippant about the fact that I minimized cost and loss, which seems to meet the driver's responsibility as fully as could reasonably be expected. I also hope to receive an apology and compensation for 4 days without a vehicle or rental car, which is part of my agreement under full coverage.

Business

Response:

May 29, 2014

Review: On June 23rd, 2014, I had contacted Geico for a quote for my son's auto insurance. The quote was very high and I decided to look elsewhere since he was the one that would end up paying for it.

I was told I would need to sign an exclusion form and send back. The exclusion form I received DID NOT STATE ANYWHERE that until the form is received by Geico, I am actually actively paying for an insurance.

I signed and faxed back with my son's signature by mistake instead of mine. The form was titled "Exclusion of named driver", and I could not see his name clearly written anywhere, so I assumed he was the ones needing to sign.

Geico did not take the time to contact me and let me know that the form was incorrectly signed. Instead, they waited until July 15th, 2014 to perform an UNAUTHORISED ILLEGAL charge of $365.77 to my debit card which they have on file for my recurring monthly payment. When I contacted them, I was told by Ms. Amy Ngo it cannot be refunded because the form wasn't signed as requested therefore my son was insured. When I protested, they agreed to refund less than half of it, $165,claiming my son was insured until they actually received the exclusion form.

I thought we live in a country where one has a freedom to SELECT the service one would like to ACQUIRE, not BEING CHARGED UNLESS one wishes to OPT OUT OF.

GEICO HAS MISUSED THE CREDIT CARD AUTHORIZATION ON FILE, which was given to them for the SOLE PURPOSE of charging my recurring monthly fees. AT NO POINT DID I REQUEST TO ADD MY SON TO MY AUTO POLICY.

Further more they had purposely waited for almost a month without contacting me, in order to claim pay for a month worth of insurance. This company operates in a FRAUDULENT way and should be stopped.Desired Settlement: I would like to have my account refunded for the full amount of $365.77 plus any fees incurred by my bank for any returned checks caused by the unauthorized transaction.

Business

Response:

July 28, 2014Dear [redacted]:We received correspondence from the Revdex.com (Revdex.com) requesting assistance on your behalf. I am happy to provide you with the following response.Our records reflect that when our underwriter spoke with you on 06/05/14, you confirmed that your son, [redacted], was a permitted driver; however, you did not have his permit number available at that time. We sent a letter to you on 06/05/14 requesting [redacted]'s permit number by no later than 07/06/44. We spoke to you on 06/23/14 and you provided your son's driver's license number. Because the Family Automobile Insurance Policy issued to you by GEICO indemnity Company automatically provides coverage for a licensed relative residing in the household, it was necessary to add your son to the policy or exclude him by way of a signed Named Driver Exclusion (NDE)Consequently, we added [redacted] to your policy effective 06/24/14. As per your request, we sent as NDE to your email address, [redacted], The same day, policy documents with this change, including an updated Recurring Card Payment Notification with your future payment schedule, were sent to you. The Recurring Card Payment Notification advised you that a payment of $365.77 would be charged to your account on 07/15/14. A signed NDE was received by fax on 07/02/14. Unfortunately, we were unable to accept this NDE as it was signed by [redacted] instead of you, the Named insured. We sent a lettes requesting a new NDE to you on 07/08/14. Our records reflect that you contacted our office on 07/15/14 and requested that we email an additional NDE to you. The NDE signed by you was received on 07/15/14, [redacted] was excluded from the policy effective 07/16/14. At that time, as a courtesy to you, we backdated [redacted]'s driver status from active to non-driver effective 07/03/14, thus no longer rating him as a drives on your policy.Our records reflect that when [redacted] was added to the policy effective 06/24/14, that change resulted in an $855.12 difference to your premium. When we received your valid NDE on 07/15/14, and updated [redacted]'s driver status effective 07/03/14, your policy was credited for the amount of $801.60, Our records indicate that your scheduled recurring card payment of $365.77 was applied to your account on 07/15/14. That same day, a refund of $160.27 was sent back to that same card ending in [redacted].Because the policy automatically provided coverage for [redacted] from the time he obtained his driver's license until the date he was excluded from the policy, we are unable to honor your request for an additional refund for the time he was listed as an active driver on your policy from 06/24/14 to 07/02/14. [redacted], I hope this is helpful in understanding the reason we are unable to provide you with an additional refund at this time. If you have any additional questions, please call our analyst, Jennifer V[redacted] at [redacted], extension [redacted].Sincerely,Derek Z[redacted] Underwriting Manager GEICO Indemnity Company

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:

Review: I had my car broken into on July 30th in the middle of the night in a parking lot, The police came and inspected the damage filed a police report. I contact my insurance company (geico) and filed a claim, they sent me to an adjuster 3 days after my incident, the adjuster looked at my car and started making my estimate to pay me for the damages so I can get my car repaired, When he seen the amount of total damage which came out to a little over 9,000 dollars, he refused to settle the payment, and said he needs approval from his supervisor, at the time I was with the adjuster I offered him estimates from the dealer and offered him the police report which he told he didn't need. Since meeting with the adjuster I been getting nothing but delays from geico on paying my claim, Adjuster for geico told me he doesn't have the right tools to pull up my vehicle information to see what my car's options are, in some ways he mentioned if he got something on side this will be faster. Everyday I get a different story of what information they need to settle my claim, the latest one was he needed to order my police report which I offered to him the day I came there and that my claim will be delayed for another several weeks till he receives my police report, My car is not drivable, my speedometer, fuel indicator, and other components in my car don't work yet the supervisor of geico told me it is safe to drive my car. I am missing work and can't get around anywhere with out my car, I can't afford a rental and geico doesn't want to pay for one. I have called every number in geico to get this resolved and everyone is telling me its up the the adjuster and his supervisor to settle the claim, If they wish not to, then no one else can help me. I paid my premium on time, I have comprehensive insurance this is a simple theft and I can't get it resolved. I also requested copy of my policy which I was denied, all geico offered me is the declaration page. The people I have been talking to are adjuster for geico is [redacted], his supervisor [redacted] they seem to be in charge of this multi billion dollar company and I can't do anything about. Please can someone help meDesired Settlement: I am looking for my claim to be settle with the amount to replace the missing parts that were stolen from my car as per infiniti specifications when my car was made. I paid for my insurance on time, paid for my coverage and I want the service that I paid for.

Business

Response:

Attached please find our response to Revdex.com Complaint ID [redacted].