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Geico Insurance

I have had Geico car insurance for approximately 6 months. No claims so really no real dealings with them. I called in on the 17th of December to get a price quote for my daughter's car. She already has insurance with AmFam through her Dad--I just merely wanted to know if I could get it cheaper. I didn't have her VIN, her DL #, so I knew I would just be getting a rough quote. After we went through all the personal info the rep says "It doesn't really matter now what it costs because since she lives with you you are required to pay for her on your own car." I said "What?" And she once again repeated it. I said "She has insurance already on her car with another company." The rep said "Doesn't matter. You will have to prove that if you want to dispute the issue." I said "I will cancel all of my insurance with you." And I hung up. Low and behold was I ever shocked when I checked my on-line bank statement from my bank two days later. I had mine set up as a direct withdrawl and they withdrew the amount for my daughter's car out of my bank account. This is again another reason why I detest auto payments and try to avoid them as you are granting that business access to your bank account and you have to then fight to get the monies back. So--with no verbal agreement from me...nothing signed they seem to have the power to write policies and make them binding?! This is nuts! Anyone else have the same ever happen?
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12 comments
#1258557

Makes sense, at least some of it. Licensed underage children have to have auto insurance, no buts about it (state law).

You have two choices: include them in your policy (done automatically if an insurance company finds out about them, as in Lisa's case), or you and the insurance company mutually agree to exclude the child from your policy, then buy a separate coverage for your child, which then you still have to co-sign and be liable for (underage children cannot sign contracts by themselves). Second choice is usually more expensive.

Adult children can just be excluded from your coverage and buy their own.

#933923

I think a lot of this frustration stems from not understanding your insurance contract. Also, who cares if anonymous works for geico?

That just means he/she has a better understanding of the process. Not everyone is trying to cheat you. Instead of throwing a tantrum, try to understand.

To suza: withdrawals of monthly payments after a policy is paid off is impossible. There has to be a balance because everything is system generated, just like every other company.

#716074

I bet the Anonymous works for Geico, don't listen to him. How about the withdrawals of the monthly payments after the policy was paid off, I am so mad with you, Geico

Thank you for sharing lisalplatt.

#713087

They write a family auto contract and you disclosed your daughter who is in the household. The contract states they can rate for her.

It also states that if you are on AutoPay, that the amount debited can change at any time and you consent to that.

Geico isn't at fault. You are. And if it was such a big deal, all you had to do was send an ID card or insurance binder showing she is covered by the other company.

The charges would have then been reversed to when she was added. It's standard practice for companies doing family auto contracts.

#185262

Giving access to our account, in my opinion, is the last thing I'll do. Many of these reputable comapnies (atleast that's what they claim) will not hesitate to get a hold of their customers' bank account.

To get the money back (whether they owe you or not: Well that's upto their decision). Go figure!

#184930

in july of 2009 our pickup was stolen from our garage by our daughters drunken boyfriend. upon filing the claim we were told that in idaho if you leave the keys to your vehicle were they are accessable to children that you are liable for damages to the vehicle.

the keys to the vehicle were in our kitchen hanging...explain to me how they figure that someone breaking into my home to retreive keys and then stealing and wrecking our vehicle is our fault..this boy is in a correction center for 2 years for this crime but geico still attests that we are at fault! they raised our rates for the remainder of the policy year, the truck is still in our driveway with a new paint job and body work however it is undrivable due to front end damage in the steering, geico claims it was preexisting! i am outraged! then to make matters worse they cancelled us in june due to the accident.....thank god our house didnt burn down, as we were with geico for home coverage also~ beware of this company!

i have never in my life been treated so badly and felt so uncovered by a company that i was a customer of...it would make my day to see them on the list of companies that are closing in todays market...the world is a better place without theives and this company is at the top of my list! never again will i do business with then or any company that advertises and is tied to them.

#154357

What the rep was telling you was accurate. It's a state requirement.

The state mandates that if another family memeber in your household gets in an accident involving any of the family member's cars than the insurance company is liable.

The good news is that the money paid to Amfam the other insurance company would be able to get reimbursed to you. This would have happened with any insurance company not just geico as it is a state regulation for most states.

#119207

That makes no sense as her car is already covered under another policy. I have faxed that to them three times now.

So I cancelled my GEICO this month and moved elsewhere. Thanks for the advice!

#119161

sorry you were supposed to tell them she was a possible user of your car by living in your home

you should thank this lady she saved you a pile of possible money

if she had an accident and the other persons attorney finds out where she lived you would have been named in the suit and would not have been covered by the insurance

#119151

I understand being upset, but from a legal point of view if your daughter is in a serious accident and is a resident relative at the time of the accident, the other party can go after your auto policy for anything her auto policy didn't cover. I think its terrible the system is setup that way, but your auto insurance has to adjust for that risk. I HATE automative payments, never set them up with any company!

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ID
#166364 Review #166364 is a subjective opinion of poster.
Location
Salina, Kansas
Service
Geico Auto Insurance
geico sters their insured to use the company they pick for you when they say you can choose any company you wish to paform the work on your vehiche.I droped geico fast and now that i have a real insurance company everything is fine.I had A glass claim with geico I paid...
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8 comments
#575652

How could a same person be charged for the same vehicle for the same month twice? Oh yeah, Geico did it.

They charged me for Georgia plus they charged me for Michigan in the same month.

This happened in June of this year. I had simply changed my address to Michigan from Georgia.

They love sucking your money like leech loves sucking your blood.

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ID
#166332 Review #166332 is a subjective opinion of poster.
Location
Gilbert, Arizona
Service
Geico Claim
New Reviewer
Geico raised my rates after a fender bender, so I cancelled my Geico auto insurance policy in June by telephone because I received a lower rate from another company and bought other insurance. Then, two months later, I received a bill from Geico claiming that I had...
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5 comments
#1394596

They do charge a cancellation fee of $90 in NC, and would not inform customers in advance.

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ID
#162153 Review #162153 is a subjective opinion of poster.
Location
Columbus, Ohio
Service
Geico Auto Insurance
New Reviewer

So disappointed!!!

I've been with GEICO for over 6 years now. I had my car and house insured. I had a car accident in June 2009. The other party hit my car from the back at the stop sign. I called the police to have a police report when the accident occurred. My back was hurting a bit and my neck injured. X-rays from the chiropractor confirm everything. I called GEICO within 3 days to state what happened in the accident. After they got my statement, I started to go to local chiropractor. GEICO agent assured me I will be reimbursed for the time off from work with my medical expenses (had doctor's note temporary not eligible for work). DID NOT HAPPENED!!! 30 days later I was informed that I was at fault of this accident cause first call didn't count and the statement I gave them wasn't valid. They said it was a wrong department I talked to, even though when I first called, I talked to customer representative stating I need to file a claim. Long story short, I was paying $145/mo full coverage ($500 deductible), I got NO REIMBURSEMENT for time off from work (even though GEICO promised to pay out), MEDICAL EXPENSES NOT FULLY COVERED, and an ACCIDENT ON MY RECORD. I switched to AAA and I had no problems with them so far. I pay $117/mo, same full coverage, plus my house insurance is better quality as well. DO SOME RESEARCH!!! DON'T TRUST GEICO!!
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ID
#161906 Review #161906 is a subjective opinion of poster.
Location
Dallas, Texas
Service
Geico Claim
One of Geico's customer hit a car behind me in the right side of her car and rearended me. The customer was sited for wreckless driving and had very little damage to his truck. On the other hand my car was destroyed as was the lady's that was behind me. Geico...
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5 comments
#752836

Well Im Sorry To Hear About That. Geico Doesnt Take Care Of Thier Customer's Ethier.

I Slid Into A Fallen Tree During A Bad Storm A Week Ago And No One Has Still Inspected My Van. Thier Claim Adjuster Just Tells Me He'll Get To It When He Can. That Is When He Returns My Calls.

When My Claim Is Over Im Leaving Geico!!! :(

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ID
#161206 Review #161206 is a subjective opinion of poster.
Location
Conway, Arkansas
Service
Geico Claim
I was hit by a Geico customer over a week ago. The guy at fault (ticketed!) has yet to report to his insurance. I had to call Geico and inform them of the accident. I am paying for the rental car out of my own pocket, they refuse to reimburse me. They say that they...
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2 comments
#529084

Normally in a case like this - you have the option to turn it in to your own insurance carrier and they will pay all appropriate costs (minus your deductible). They will then go after the other driver's insurance company to recover the costs paid on your behalf (+ the deductible) which gets credited back to you. In the end, your insurance and premium should not be affected.

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ID
#159780 Review #159780 is a subjective opinion of poster.
Location
Atlanta, Georgia
Service
Geico Claim
New Reviewer

Geico wants to give me used parts

I have a brand new 2009 Honda fit. I just got it 3 months ago. The other night (on 10/6/09) my rims and tires were stolen and Geico doesn't want to pay for new rims. They want to give me remanufactured rims. I don't think this is fair. I pay a lot of money every month for this insurance coverage. What do you think? They tell me this is their procedure. I still even owe money on this car. I am not happy with Geico at all. I have been with them 5 years now and have never ever filed a claim. I don't know what to do.
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3 comments
#80656

have you considered that int he 3 months you drove the car that the wheels endured wear and tear?

The remanufactured wheels are original rims that have just been trued and cleaned, and are most likley nicer than your missing rims.

Ask the AD adjuster to explain it to you.

Why should you get brand new rims for a used car. yes, your car is now a used car, used by you for 3 months. Making it a used car. You could always ask them to pay you the amount for the wheels and tires and then go buy aftermarket rims and tires.

Your best bet is to at least look at the set they are offering. If they try to offer you anything that does not look 100% then call the guys supervisor.

Stop listening to your friends and stop expecting to get brand new rims and tires. If the car was ever test driven before you bought it, it was used when you bought it.

I bought a "new" Civic. It had 146 miles on it. So it had been driven around the block as a test vehicle. I had them take an extra $1000 off the price. If I had my wheels stolen and they offered me exact replacement remanufacured I would take them, because Honda will honor them on the warranty. Ask your dealer,

#79952

Yeah, if you want wheels that don't match and are full of trash and imperfections in them on your new car, go for it. Stick to your guns!

If they continue to insist on reman (damaged wheels that have been "repaired"), go over them very closley and don't accept them if they are not perfect becuase they won't be. Belive me I deal with this every day and the only reason I every use them is if the car owner just doesn't care.

#77796

don't give in. say that the rims have to have less than 3 months on them to be comparable.

Really though, it probably doesn't matter except for the principle, since remfg. rims are going to be as good as the used ones you had.

Keep telling them that remfg. rims aren't comparable replacements.

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ID
#158850 Review #158850 is a subjective opinion of poster.
Location
Mount Laurel, New Jersey
Service
Geico Claim

Raked over the coals by Geico.

Several weeks ago I just had my 94 Cady DeVille serviced bumper to bumper for a vacation trip. All new tires, brakes, a.c. serviced, auto trans fluid change etc. five days later a girl runs a stop sign and totals the car. My wife was driving and seriously hurt. The girl who hit her had Geico Car Insurance as do we. The insurance adjuster totals the car. He states unable to open hood for total inspection. He then notes old belts, hoses, transmission fluids. How does he do that? Geico does not use Kelly Blue Book but takes adverage prices of similar cars from classified news papers in towns as much as 1,000 miles away then 60% of cheapest car! The adjuster told me that is because he has to adjust values. This was when the cash for clunkers were raising used car values. I was also told if I did not agree the towing company will not be paid and I would then be liable! Sounds like black mail to me. My wife is in and out of the hospital now all the time from the accident. A Mr. Tate from the Geico home office did bump up the value a few hundred dollars but still far below book value. I had to take the money offered to accomidate out plans to see our grand daughter's Christining. They had us over the barrel. The wife has hired an attorney for her injuries. When my policy comes due I will not be renewing with Geico. We have never had an accident in the 32 years of our marriage! so, this is how safe responsible clients are treated? I think not. as often told in days of old, Buyer Beware. Especially with the big insurance companies! Haven't these institutions stolen enough?
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2 comments
#108440

If you what to know how you will be treated by your insurance carrier when you need to call them for the help that you pay them to provide when you need it most, read the replys to the comments when someone posts a complaint. I assure you, you will get the same "cheery, service-orentated" assistance from them as you see in the reply posted above. But, google "Geico complaint" if you think this is an oddity.

I, for one, an currently "enjoying" thier own brand of personal attention.

#80660

The only peopel who price by NADA Blue Book are used car crooks and dealerships.

If you want to know the value of your car, go to www.edmunds.com and look up the TMV or True Market Value.

The reality of it is simple, just because you think your 94 caddy is worth 10k does not make it so.

You are getting more by looking for local cars for sale. They are looking for actual cash value. You are able to look yourself and find comparable cars to use. Do your own research and stop whining until you are educated enough to know better.

Want to know how much it is really worth?

Call your bank and ask them to tell you the max loan amount for your car. There is your answer.

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ID
#157893 Review #157893 is a subjective opinion of poster.
Location
Shallotte, North Carolina
Service
Geico Auto Insurance
New Reviewer
My car was parked in the driveway of my sister-in-law's home when the driver of a white Ford Focus lost control of his vehicle, jumped the curb and hit my car. He never stopped. I got his license plate number which I gave to the police. I was able to describe to...
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5 comments
#342032

what happens when you dont know who was driving your vehicle and it hits a parked car and leaves the scene but someone got the license plate number and you tell them you dont know who was driving

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ID
#157629 Review #157629 is a subjective opinion of poster.
Location
Bellevue, Washington
Loss
$3000

Geico sets bad example for children

Geico Insurance Company is currently running a television commercial in which the very likable Gecko takes a man's dollar bill without the man's permission and uses it to buy chips out of a vending machine. This is sending the wrong message to children. It implies that it is acceptable for someone to steal from others in order to obtain something they want. Children seem to like the animated Gecko and can be influenced by what the Gecko does. This advertisement, in effect, tells children that if they want something, but don't have the money to buy it, then just go steal the money from someone else
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4 comments
#128281

Actually you are completely wrong about the ad. The Gekco didn't steal anything, in fact the Gekco askes, "was it rather old and crinkly?" Additinally the older man, says yes, "have you seen it".

(or words to that effect) clearly the dollar was lost, the Gekco having found the dollar used it and is now faced with the delimma of telling the old man.

He might, although he rather cheekily asks, "what a chip?"

So no, the ad does not promote stealing. BTW, get a life.

#71015

:upset While you have a valid point of what your child is seeing. Isn't that the perfect time to discuss moral aptitude with your child. And actually the commercial doesn't say where the GEICO gekko found the dollar bill.

#70982

I agree, you probably hide your kids from Bra commericals too?

Get a life will ya

#70910

OMG give me a break. You re reading way too much into this commercial. Put down your pencil and pad and step away from the TV

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ID
#156667 Review #156667 is a subjective opinion of poster.
Location
Jacksonville, Florida
New Reviewer

GEICO Doesn't Pay

GEICO Insurance has refused to pay fair value for my car for two years and counting. After reading my story, you can decide whether GEICO deserves your business. My 2000 Chrylser 300M was "totalled" in my parents driveway. I had left it there, for the weekend, when a group of drunken, uninsured, unlicensed, unregistered, underage teenagers destroyed my unoccupied car right in a private driveway. Thankfully, no one was hurt seriously, my car seemed to take the impact. I returned to the driveway to find it had been hauled away by the police, and a waiting police report at the local police station. I then put all of these pieces together. A neighbor had filled out a police report and the police caught the kids who caused this. Fortunately, I had purchased the extra, optional, "uninsured/underinsured motorist" coverage on my car, with coverages sufficient to cover my loss... All set right?... not-so-fast. GEICO had been here before, and I had yet to learn... GEICO Doesn't Pay! Visit my site to hear more... http://www.geico-doesnt-pay.com
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2 comments
#80666

CYRJ@***.info - you should understand that you purshased a bodily injury coverage and not collision coverage.

Your website is also violating GEICO corporate trademark use and they will absolutely come down on you for that.

You are like all the other whiners out there that thinks their used care is worth more than it is. go to www.edmunds.com and seach the TMV on your car. You will be shocked. NADA blue book is a sham used by dealers to jack up used car prices. You are obviously angry but at the wrong people.

If you had proper coverage then your car value would have been paid immediately.

Your site has now been forwarded to GEICO legal for trademark infringement. You might want to take it down asap.

#69907

You should learn more about insurance before you post things on the internet. Underinsured motorist is for bodily injury, and you were not in the vehicle, therefore, not entitled to underinsured motorist!

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ID
#155826 Review #155826 is a subjective opinion of poster.
Location
Providence, Rhode Island
Loss
$10000
New Reviewer

GEICO: Expensive, Difficult/Poor Service

I've paid premiums to GEICO since 1978. In these last thirty years, I've needed to use GEICO twice, one for an uninsured Driver, once when I had a medical emergency and ran into a light pole. GEICO paid the claim for the uninsured driver, but did not honor the commitment to pay for a rental car as per the policy and I had to file a complaint to get it paid. When I had the second accident (tens years apart) GEICO took over 5 weeks to decide to total my car, then refused to pay for the extra week of rental car. My rates also skyrocketed after the accident for over two years. This month I checked State Farm rates. My new State farm policy saves me over $2,000 per year on two cars. GEICO attempted to keep me on as a customer by matching the rate, but I declined, explaining I should not have to threaten to leave to get their supposed competitive rate. GEICO may have been a good company at one time, but they no longe seem interested in customer retention so much as customer acquisition. This thirty-one year GEICO customer wishes he had switch 29 years ago.
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3 comments
#462460

I can't believe how most of the people still think Geico is the cheapest.. I had geico for about 2 weeks and cancel it right away after realizing that I could save over 200 bucks per 6 months and even get a way much better coverage with another insurance company.

I also called them just before canceling out to ask why my rate was so high and their explanation was that I was 26 years old and didn't have enough driving records (I have perfect driving records, not even a single ticket). I still cant believe how they didn't give a *** when I told them I was going to get a policy with another company.

#91277

I am an accountant,personal and commercial financial advisor ,plus a corporate manger in NYC. all free lance.

I find deals for customers of all sorts. Including insurance policies. Well, Geico always yields one of the highest quotes. And usually All State is the very worst.

Nearly double than Geico. Progressive service is the best.

I checked on that issue too. But "NOT" the cheapest.

#71664

I totally agree with you Dave!! My parents had Geico for over 35 years then my father passed away.

I kept my mother on the policy to my dad's car. The car was paid off and was only 6 months old when I added me to her policy. The original policy was $1600.00 yearly. When my father was taken off the policy and I was added they raised it to $1800.00 yearly.

Also I placed my mother as an unactive driver since she held a driver's license yet chose not to drive anymore. I'm 42, homemaker that doesn't go many places at all and my driving record is perfect. Never gotten a ticket, not even a parking ticket. Been driving for over 25 years also.

I asked why they raised it and why it was so high they said that it was because I was being added to the policy. I told them nevermind and went with my husband's policy which costs us total for 2 cars and an RV $1200.00 a year.

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ID
#155779 Review #155779 is a subjective opinion of poster.
Location
Phoenix, Arizona
Service
Geico Claim
New Reviewer

Great Job

My parked car was hit by a GEICO client.First 24 hours customer service told me I would get a survey in mail and I have to say she was perfect so she would get credit for call.No one is perfect.Did get rental car.Claims told me that car was totaled would give me fair market value.GEICO doesn't use NADA or Kelly blue book (I was told that by GEICO).I am thinking they go online to see what other people are trying to sell there cars for.Also I would have to prove my car was in better condition then the ones they where comparing to mine.
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ID
#155087 Review #155087 is a subjective opinion of poster.
Location
Lakewood, Colorado

Geico ***!

I had Geico insurance. I paid every month on time. I got pulled over one night and the police officer took my license plate saying there was a problem and to talk to DMV. I called DMV and they said I did not have insurance. I told them I had Geico and they said geico would have to notify them. I called Geico and apparently they never registered that I had insurance with them even though it had been over a year. The said it would take a week for them to send notification. In the meantime I couldn't drive my car because I didn't have a license plate and couldn't get a new one until this was taken care of. When I told Geico that was the only car I had and I had to get to and from work they said that it wasn't their problem and would not pay for a rental car or even try to send the notification any sooner. Even though it was their fault. Geico ***! Once it finally got taking care of I cancelled with them and went with State Farm. Haven't had a problem sense and State Farm is even cheaper.
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1 comment
#65488

I am also a prior customer of GEICO. I had auto insurance coverage and since I rent cars on occasion I wanted to make sure that I have the necessary coverage for rental to prevent paying all that extra money.

Well the time came when I was involved in a accident with a rental. Guess what? You got it. GEICO had no record of it.

Now I'm with AARP. You figure.

ID
#152130 Review #152130 is a subjective opinion of poster.
Location
Silver City, New Mexico
New Reviewer
GEICO-sentmeanemail"u'vewon(4)tksto6flgs...(just complete form.///////The fact is Iam disabled and dont own a vehicle, but fill out the form as I opened the emailed notice "You have won 4 tickets to 6 flags in California. Not stating that it took to own a car in...
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1 comment
#70181

As an employee of GEICO I can assure you that those scams has nothing to do w/ the actual GEICO Company and we were not affiliated w/ that AT ALL. Lots of spammers and scammers out there have pretended to be part of large recognized companies in order to steal your money. we even got warning emails at work to watch out for this

ID
#150779 Review #150779 is a subjective opinion of poster.
Location
San Lorenzo, California
Loss
$4