I switched my insurance from Progressive to GEICO and did indeed save a bundle - but savings can't make up for the incredible hassles and frustration caused by their horrendous claims service. My claims with Progressive were always handled quickly, courteously and professionally.
My car was recently stolen (doors locked, no extra keys anywhere) and after filing the police report, the car was found in less than 30 minutes after the police keyed in the VIN number, as my car had Lojack (highly recommend it, BTW). I also phoned GEICO and they took my statement and said they would get right on it (was a Friday PM).
My wife and I drove 25 miles to the recovery lot on Saturday to see the car and from what we could see it was drivable, but GEICO would not let me pick the car up until their underwriter saw it.
Their underwriter did not get out to see the car at the recovery lot until the following Friday, and GEICO would not authorize a car rental until he saw it - so I was without a car for over a week. He told me over the phone that he would take care of the towing fee and that I could pick it up if I wanted it before it was towed to my repair shop the next week.
My wife and I drove up on Saturday to pick it up, and GEICO never paid them, so I had to shell out over $400 in cash to bail out my car. The towing people were very nice, but it was only luck that I had that much money in cash at the time. I called the GEICO underwriter and left a message and have never heard back from him to this day.
GEICO also said they would not process my claim until I provided them with a copy of the bill of sale, the title and the "recovery report" (whatever that is). Unhappily, my car was purchased in 1992 and I do not have a copy of the bill of sale, nor can I find the title - but the car has been registered to me here for over 15 years. Also, since I have the car and it is not missing - why do they need the title for the claim?
Every time I speak to them or e-mail them I get the same broken record reply that they need this information, with no explanation - and they still haven't told me what a recovery report is or how I get it (thought the underwriter would have that). I have sent them copies of my registration, the towing bill, the police report and everything else I can think of, but no go.
I finally started the procedure to get a duplicate title - and it will take a month due to governemnt red tape.
I strongly urge anyone considering GEICO to think twice about it.
Product or Service Mentioned: Geico Claim.
Location: Stamford, Connecticut