Friday, November 14, 2008

GEICO



The above 20 second video was meant to direct youtube viewers here, and to [this OpEd News post].

I intend on researching the possibility of producing a documentary on GEICO. I wish to see if their actual business practices resemble what is spouted out in their numerous, simultaneously, nationally run, commercials. There are allegations they are even unwilling to pay, partially pay, and/or fully pay medical bills of those injured, and not at fault, for their injuries, where GEICO is the party allegedly responsible for paying. Please contact me if you would like to provide evidence on GEICO, good or bad.

My email is: stevengerickson@yahoo.com

I'm also willing to talk to those willing finance, help produce, and distribute a production. The production and/or private investigation might involve other insurance companies. Does GEICO's actual service match what they claim in commercials? We'd like to know.

Is this typical of how GEICO operates?:

"I was rear ended last Dec. the woman who hit me and her insurance comp. (gieco) acknowledged full fault. My car was totaled, I have what they call soft tissue damage and saw docs for 8 months, and will probably forever require a chiropractor (no pre-existing injuries). I hired an attorney because I didn't know what else to do. Today he spoke with me and said I should expect between 1-9000 dollars! This seems pitiful considering all the months of docs and back spasms. however he says going to court is risky and could end up costing me $. My medical bills alone are in the 10,000 range, not to mention future expected costs. Should I seek a second opinion? Do I risk court with ''soft'' tissue damage? I'm so confused and I feel this is so wildly unfair but that I have almost no recourse. I wasn't expecting a huge settlement, but I was expecting my medical bills to be paid and compensation for my ongoing pain. Is this the norm?
Category: Personal Injury Law and Tort Law
State(s), Country: FL (FL), US
Posted: 10/13/2008"


The above [found here]

Wikipedia Geico definition [found here]

G.E.I.C.O., "The Government Employees Insurance Company", do they act like the current US Government? They have the word "Government" in their name. Are they predatory?

We'd like to have answers and then present the findings in a film. We'd also like to be in contract with insurance commissioners and/or State Attorney Generals in possibly all US States and in any areas covered by GEICO. We would also like to present finding to Congress and the US Senate at hearings in Washington, DC. We believe that the system could be made fairer, less expensive, and better serving.

There definitely is a problem with the length of time and the hassles involved just getting compensation for injuries. Lost wages occur in real time. How much is this harming families, children, and the economy nationally right now? Maybe proposed legislation needs to be put in front of Congress and the US Senate. Maybe there needs to be a special hearing. If there is evidence of wrongdoing maybe the evidence needs to be collected and presented as a single package for presentation to a US Attorney, the FBI, and/or the US Department of Justice.

-Steven G. Erickson
mailing address given upon request
stevengerickson@yahoo.com

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* * * *

From the Consumer Reviews by Company blog:

Excerpt:
"Additional information about Geico. Geico is an acronym that stands for Government Employees Insurance Company. It was founded in 1963 originally as a company that provided auto insurance directly to federal government employees. The company provides different kinds of auto insurance policies and work under its main slogan that looks like: "Fifteen minutes could save you fifteen percent or more on car insurance." The company issues millions of policies every year and provides coverage for different vehicles like motor cars, trucks, motorcycles and other motor vehicles. Geico offers its services in all states of the United States of America but Massachusetts. The company usually deals directly with people over the phone and the Internet saving money on not employing insurance agents. But this marketing model of Geico irritates a lot of consumers and they complain about the poor, unprofessional and incompetent service."


[source]

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Refused to pay my claim!

GEICO has refused to pay on a claim that they first promised to pay. I have been going back and forth with GEICO for over two months now. GEICO has no record of a phone call that I made to them on October 16... I proved them wrong by pulling the phone records from my place of employment. They did not care that their records were incomplete and erroneous. I have sent two complaints to the insurance commissioner's office, the second is still pending... following is the text from the second complaint:

This is a follow-up to my first complaint that I submitted in December of 2006. Since that submission, GEICO has embarked down a path of the most unprofessional and incompetent behavior that I have ever experienced with any company. [source]

There are a whole slew of complaints in the comments section of the above thread

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Scam and cheating

I was a loyal Geico customer for over 10 years. I never had a claim. I never even had a speeding ticket or parking violation. Nothing. In a one year period, mine and my wife's cars were both hit, each time while our cars were not moving. First I was hit at a stoplight when a driver passed out and plowed through an intersection and hit a turning car in front of me. Again, my car was at a complete dead stop.

Later that same year, my wife's car was hit in her parking lot at work, when she wasn't even in the car. The car was unoccupied. Neither time did Geico pay a claim on my behalf when I was at fault. Would you like to know what GEICO did? They told me I was an unacceptable rick and promptly canceled all my coverages. When I called up and talked to them, their reason was that there were two claims against my policy. What?

Basically, after even after asking for and talking to a supervisor, I was informed that because both accidents were caused by other GEICO insured drivers, my policy was being canceled. I have never been as upset with a company I had done business with before.

No matter how old I become or how many people I have to tell this story to, I will never ever do business with this company again. They took over $15, 000 of premiums from me and then canceled me because I had the misfortune to get hit twice (in stationary vehicles) in 12 months by other Geico customers. I guess next time I'm at a red light, I should make sure I get hit by a State Farm or Allstate insured driver.

Comment:
I am insured by geico since 2006 and I believe that they where the lowest rate i could find on auto insurance but that does not compare to all the hidden fees that they require you to pay without any notice. Geico should change its name to fraudco anything they can do to put money in there pockets. Geico charges hidden fees like under 3 years new driver insurance and if you had an international license for 6 years before that and get a US license they charge you as a new driver what crock of s***. Stay away from Geico if your a new driver and if your thinking of getting geico they will tell you a quote that is resonable and then when you take it they will add all kinds of fees when you least expect it to come. Geico sucks!!!

[source]


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Website dedicated to pissed off GEICO customers:

http://geico.pissedconsumer.com/

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It's Been 4 Months, GEICO, Where's My Money?




Excerpt:
The following day was the first instance of night driving that occurred after I picked up the car. What happened you ask? No odometer and speedometer lights. Now, I'm starting to panic. I'm asking myself what else could be wrong? So, the following Monday, as soon as they open, I bring the car to the shop I wanted to from the very beginning. Mike, ever the great shop owner puts my car on priority, and proceeds to check it as I head back to work. Not an hour later, he finds GLARING repair issues ranging from aftermarket parts that were not installed properly, to shoddy painting, parts that were billed but never replaced, and the best part, a bent frame. Not being one to stand around and watch a friend and customer be taken advantage of, Mike begins the process of getting a claims adjuster back down to his shop to look things over. Upon doing so the next day (now the 11th) Bryan, the new adjuster totals the car. Upon explanation of my bill, he tells me that although the initial amount was $6200, Durable charged an extra $3000!!! for supplement work they did not even do properly.

So, at this point, although I am livid, I feel a bit of justification seeing as the right thing was being done. The next day, I get a call telling me they cannot total the car. My heart sinks. How could Geico total the car one day, and UNTOTAL it the next? This sort of thing would have been inconceivable to me before this moment. Fortunately, the following day they re-totaled the car, and I was told I should get a check within five business days. Sounds all well and good right?

Well, after three separate phone calls to the total loss representative assigned to my case, I have not yet received word back, and I am still left carless, and with no idea when I am to receive my check. Not only was my car not repaired properly, but because Geico steered me to one of their shops illegally, I've been without a car for close to four months, and thus far have no recourse. I just felt that although their commercials appear to allow them to perform small to large miracles, this time around, they failed me as a customer, and as such, the loyal readers of The Consumerist should know to beware.

LVX,
Jonathan Goffan

[source]

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Should Massachusetts legislators be contacted to request legislation be passed to consider having GEICO auto insurance, not having valid insurance when driving into Massachusetts from other states? If GEICO does not pay, or does not pay timely, claims, they legitimately owe for lost wages and for medical, they can be contributing to further hurting a national economy and adding to the mortgage crisis by causing more families to default on their mortgages and be out on the street.

If out of state motorists have to worry about being arrested, their cars being towed away to an impound lot, fines, and court for not really having valid insurance, driving through Massachusetts, maybe the government minded paper pushers running GEICO out of Washington, DC, will wake up and start better serving the public and maintaining better business and claim payout policies.

Contacting US Senators and Congresspersons about what is passing as insurance for our homes, cars, businesses, and to protect us in eventualities is lacking, and in too many instances, bad business practices are being employed, maybe We the People, can help fix a system that has been broken too long.

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* * * *

Legislating Insurance Changes


The above picture, stolen [from here]

GEICO is allegedly not licensed to sell insurance in Massachusetts.

If GEICO is considered not really having auto insurance coverage by Massachusetts, those driving into Massachusetts could have their vehicles towed and impounded with impound fees compounding daily, be arrested, fined, and face days in court. Why do this? Well, it would wake up the nation to what is going on with insurance companies, and maybe possible changes could be legislated benefiting We the People.

If GEICO has been more stingy, unreasonable, and employing tactics to get citizens to cave into unresonable settlements, or just signing off, GEICO's business practices and complaints lodged against GEICO should be reviewed by Massachusetts legislators, as well as nationally, by US Senators and Congresspersons.

If GEICO insured drivers drive in from out of state and cause deaths, personal injury, lost wages, and mounting medical bills, and if GEICO delays paying what is owed, or only partially pays, or doesn't pay what is owed, they are further harming the economy nationally, medical providers, the homes industry, adding to the mortgage crisis, and can be contributing to the break up and the harming of families. Maybe GEICO corporate executives could even be prosecuted in Massachusetts by the Attorney General for risk of injury to minors, a felony, and to the contributing to the delenquency of minors, given their payment policies doing harm to children and familes, as well as the economy.

Someone who isn't compensated timely, or not compensated fully, or at all, can have ruined credit, face liens, and court. Those teatering, just barely making it, can fall into the prison trap and/or even be contemplating suicide.

By clicking on the white envelope below this post, you can send this post by email. Please make your US Sentors, Congresspersons, and your local elected officials aware of this post and this very important national issue.

Thank you,

Steven G. Erickson
stevengerickson@yahoo.com

31 Comments:

Anonymous Anonymous said...

Other drivers insurance (Geico) was going to total my vehicle. Other driver at fault for auto accident. Geico requested my vehicle title and sent the towing service to pick up my vehicle; which they did. This is after my vehicle sat in Repair shop for over one month. Geico takes possession of my vehicle; then after the fact informs me that they will not pay for my vehicle repair; because clients insurance coverage is not sufficient to cover the total of my vehicle repairs. This is after they took my vehicle. I was informed that my vehicle was at a car lot awaiting for me to retrieve it. I'm responsible for recovering my vehicle from this lot. I had to make several calls to locate my vehicle and recover it and then start the whole process again with my Insurance company. It took 4 months from the time of the accident until I had my vehicle in working order again. In which I spent $300.00 in towing; out of my pocket and storage fees while my vehicle was in the repair shop awaiting for a Geico insurance rep to estimate my vehicle. I will never recommend Geico auto Insurance to any body ever again.

Saturday, November 15, 2008 12:17:00 AM  
Anonymous Anonymous said...

Top Three Most Common Complaints

1. Monetary settlements – settlement amount is too low.
2. Policy terminations
3. Promptness of insurance payments


2007 Auto Complaint Listing (ranked lowest number at top, higher as you go down) for New York

1. Mercury General Group
2. American Express, Amex Assurance, IDS Property Casualty
3. Eveready Insurance Co.
4. Electric Insurance Group
5. Amica Mutual
6. Preferred Mutual Insurance Co.
7. United Services Automobile Assurance Group (USAA)
8. Chubb
9. Utica Mutual
10. State Farm
11. Central Services Group, Central Insurance Group, NY Central Mutual Fire Ins.
12. Main Street America Group, National Grange Mutual
13. Progressive
14. Liberty Mutual
15. Kingsway Insurance Group, Lincoln General Ins.
16. Response Insurance Group
17. Nationwide Insurance
18. American Modern Ins. Group, American Family Home Ins.
19. St. Paul Travelers
20. Unitrin Group, Kemper

Conclusion

If your auto insurance provider is not shown on this list, it could be that they don’t sell insurance in New York. Or, it could be that their number of complaints is worse than the company in the #20 position!!

Gieco, as you see, didn't even make the top 20 which means they are best avoided. Gieco is known in the insurance industry as "pricks with lawyers!!"

Geico does't pay and will fight for years not to pay anything. Why do you think they have so much money to always run so many commercials?

Saturday, November 15, 2008 11:34:00 AM  
Anonymous Anonymous said...

Geico has a CEO hotline, depending on who you ask, you have to pull teeth to get it out of them. However they will finally give you the number,, sorry do not know it.
Call customer service and demand it, you may have to go through a supervisor or other manager.
I worked for GEICO for several years and I will tell you a lot of your Gripes are legitimate, but you also need to realize a lot of people do not ask any questions until it is to late. If you really want to avoid frustration like with anything you need to know what it is you are paying for. If anyone needs any real help with something that believe is unfair, i can try to help point you in the right direction or you can always contact the Insurance Commissioner or go above whoever's head you are dealing with, one thing about GEICO the higher you go up, if there is something that can be done, you will have more success.

Saturday, November 15, 2008 5:34:00 PM  
Anonymous Anonymous said...

Geico has an unbelievable amount of revenue coming in. They have all these profits by not paying claims. Geico pays powerful lawyers who will do anything for the company. They do word searches and troll the internet for complainers and bad publicity. Expect that there already after you. They are really bad news. Nobody is going to finance your production. Geico is a big advertiser and there lawyers will threaten anyone who ll bankroll a production. Put up signs in parking lots looking for those fucked over by Gieco. You could do lots of You Tube videos and then post them. you can get people from all over the country sending links.

Saturday, November 15, 2008 6:20:00 PM  
Anonymous Anonymous said...

My Subaru was hit and totaled by a Geico insured driver in February of 2007. My air bags deployed, I was unconscious and suffered other injuries. I finally agreed to a $5,000 settlement in May of 2008, only to be told a year and a half later that this amount was simply to cover the money they had repaid to Medicare for my medical costs as a result of the accident.I When I received my first letter from Medicare telling me that I was to repay them, I called Geico and was told my another Geico agent that the only monies Geico had paid to Medicare was a check in the amount of $10.50.

In my opinion, this is out and out fraud on the part of Geico.

NOW, Medicare if asking ME to repay them for the $854.45 they paid on my behalf. When I complained to the Geico agent who handled my claim, he said, "Oh, I told you what this $5,000 was for, and since it's been such a long time since we settled, I am sure you will never hear from this in this regard". Well, guess what? My letter of 10/13/08 from the Medicare Secondary Payer Recovery Contractor states, "Your failure to respond as requested within (60) days of the date of this letter may result in the initiation of additional recovery procedures without further notice, including referral to the Department of Justice for legal action and/or the Department of the Treasury for other collection actions".

I am 75 years old with social security being my primary source of income. I don't have $854.45.

The Geico agent handling my claim called me two weeks ago to say that he had successfully settled any claims that Medicare might have with them, and consequently, myself. Doesn't appear to be true.

I went on line to find out who is on the Board of Directors of Geico, and I will begin to file my complaints with each one of them.I will also write to Warren Buffet. Probably won't do me any good, but I have already written several letters to Medicare, and they don't seem to be working on my behalf either.

Monday, November 17, 2008 11:32:00 PM  
Anonymous Anonymous said...

Dishonest self-serving people!

I recently separated from my wife. I called GEICO to ask them to send our auto insurance bills to my new address. When they heard I was separated, GEICO immediately removed me from my former policy (which jointly insured both my estranged wife and I) leaving only my estranged wife on the policy. GEICO then created a new policy for me (increasing my premium by over 100%). They also re-rated the former policy (which covers my estranged wife) and refused to discuss the new premium with me. Finally, they re-applied my most recent premium payment (which had been applied to the old joint policy) to the policy which now insures my estranged wife only. They told me that my wife could cancel the policy and if she chose to do so, they would refund my premium to her.

I asked them by what legal authority they were splitting up our policy and making decisions about applying my payment exclusively to my wife’s account. They told me that my wife called them and asked them to split up the accounts and that their actions were standard company procedure in a divorce situation. When I called my estranged wife (we are on amicable terms) to inquire about why she asked GEICO to split up the accounts, she said she never talked to them. Not once . . . EVER! GEICO FLAT LIED TO ME ABOUT MY WIFE CALLING THEM!!!! They also used my separation (not a divorce yet) as grounds to jack our rates through the roof. Never (repeat NEVER) do business with these dishonest self-serving people. Avoid them like tainted shellfish.

Tuesday, November 18, 2008 1:05:00 PM  
Anonymous Anonymous said...

i thought they'd be assholes advertising so much

Wednesday, November 19, 2008 11:40:00 PM  
Anonymous Anonymous said...

having gieco as my insurance was the biggest mistake of my life. There is no money saving there just assholes. Never have met such assholes. They don't pay they just take. Fuckning assholes!!!!!!!!!

Sunday, November 23, 2008 3:19:00 PM  
Anonymous Anonymous said...

Lets start hanging out in parking lots with signs boycotting Geico. That would get attention and we could post u tube videos. We can find others that are livid with Geico too.

Monday, November 24, 2008 1:58:00 PM  
Anonymous Anonymous said...

George W. Bush
Evil
Insurance
COmpany

Tuesday, November 25, 2008 6:23:00 AM  
Blogger The Stark Raving Viking said...

It is not easy for me to get a job as I have a criminal record for having resisted being mugged on my own property. That's another story.

I had contracting work and a regular gig where I was making over a $1000 take home a week. I had a contract to make over $3500 take home for an 8 day contract. So the minimum I was taking home a week was a $1000.

A GEICO insured driver admitted fault where I received brain trauma, multiple injuries, and severe pain. The accident happened in July. I am still in pain and having daily back spasms. I can't get to doctor as I have no car and no money.

I lost my job because of the accident. I have received nothing and their offer is ridiculous. GEICO isn't willing to even cover my losses partially.

My medical bills are still unpaid and was receiving multiple calls a day regarding those unpaid bill that were supposed to be paid by GEICO given their insured was at fault and from what GEICO representatives told me.

I had been working extra hard to get down to the Gulf Coast for hurricane season. I had put about $2500 into the car GEICO totaled and did offer to pay me nine hundred something for that.

I was making $2600 a week after taxes as an insurance adjuster. I can type at speed with all of my fingers, am proficient with a video and other cameras,video editing, and have been certified on various adjusting software after having taken classes.

When I took the Texas Insurance adjuster test, I passed with the 3rd or 4th highest grade out of over 300 people having taken the test.

Also being a licensed contractor made me even more attractive for disaster areas doing insurance claims. I have advanced ladder skills, am not afraid of heights, and from being a contractor I don't have to learn terms and know the ins and outs of residential and commercial property claims.

I teamed up with the Mississippi Attorney General and a number of Mississippi homeowners to get stingy insurance companies to pay out in full, the claims I adjusted.

I have continuing back spasms, pain, and get more and more upset at GEICO everyday. My life has been completely disrupted, yet again, and I am supposed to just take it up the ass. WRONG BITCH!

I have been offered pennies on the dollar for what I am out. Their insured had very little coverage, their minimum won't even cover what I am currently out, and that amount wasn't even offered. MY FUCKING GOD!

So, I may have sustained a life debilitating injury. I don't know if I can even swing a ladder around anymore given that two or three vertebrae were bashed out of alignment. I now own no vehicle for the first time since I was 16.

A boom box caught me in the back of the head. At day two or three after the accident, I could not remember phone numbers and the codes to get into my laptop. I don't know if I have suffered permanent brain injuries or not, but I am still not as steady on my feet as I was before the accident.

Those who know me, noticed that I was completely different after the accident. Maybe I closer to the way I was mentally, but I am not one to ever give up. I love life too much. If I die before my time, suspect foul play.

Anybody who knows me, knows I am never quiet about absolutely being screwed over.

I intend on being in Washington DC to personally lobby US Senators and Congresspersons about doing an investigation into the entire insurance industry, how they pay claims, and their lack of paying out lost wages in real time.

Current policies are causing damage to the economy, to children and families, and is just plain bad business.

-Steven G. Erickson

Tuesday, November 25, 2008 7:24:00 AM  
Anonymous Anonymous said...

"Is Geico good insurance?"

Just did a word search on that quote and found this post.

Tuesday, November 25, 2008 12:11:00 PM  
Anonymous Anonymous said...

I'm not sure why you're all focusing on GEICO. You might have legitimate problems w/ GEICO, but nothing here gives me the impression that they are any worse than any other insurance company. In fact, they rate pretty highly in consumer surveys.
Like I said, many of you seem to have legitimate beefs, but is it GEICO specifically to blame or the whole insurance industry? And what about your state's laws that apparently don't require insurers to pay in such situations.
Again, I'm not doubting your stories, I'm just not sure you're directing your anger in the right place.

Wednesday, December 03, 2008 10:03:00 PM  
Anonymous Anonymous said...

I did a repair job for a lady insured by Geico and they don't or won't pay me the remainder of my estimate. They all and simply said they weren't paying me. I will not do any more vehicles insured by Geico. I have filed with the insurance commission. Also they are not very consumer ready. They were very unprofessional and want to rip you off.

Monday, December 08, 2008 10:54:00 AM  
Anonymous Anonymous said...

Gieco really isn't less expensive if they don't pay

Wednesday, December 10, 2008 7:09:00 PM  
Blogger The Stark Raving Viking said...

If GEICO holds back or doesn't pay medical providers and hospitals when they are liable for the full amount, others needing medical attention will be subsidizing GEICO's abuse and rip off of the public.

Doctors offices and medical providers hanging by a thread can go bankrupt and out of business.

Parents and homeowners hanging by a thread, can be harmed permanently if GEICO doesn't pay the fair amount of what they owe, or just drag it out because they can do as they please with their team of lawyers.

Companies, including insurance companies, have personalities if you follow their practices and procedures. GEICO seems to have a predatory personality.

Instead of a GEICO having a gecko as their mascot, maybe it should be a skin tearing, ferocious dinosaur.

I tell how they screwed me over above.

Thursday, December 11, 2008 6:52:00 AM  
Anonymous Anonymous said...

Geico pays too much for their constant commercials to pay claims. I heard that they're going bankrupt. Another reason not to pay claims.

Sunday, December 14, 2008 2:21:00 PM  
Anonymous Anonymous said...

I am not a GEICO policy holder.

I became acquainted with this firm's underhanded claim's procedures when I was stopped at a red light and somebody who is insured by GEICO rammed me from behind on December 01, 2001.

The rear bumper is all plastic, and the plastic that wraps around the driver side of the rear of the car was bulged out. There was no other damage to any other part of my 2001 model Honda Accord.

This is my story:

First of all - it took about a month before I could get together with the GEICO Claims Adjuster at a body shop. This business of waiting you out like this is designed to wear you down - to get you exasperated and just take the fight out of you.

Second of all - the GEICO Claims Adjuster told me that no, she could not meet me at the body shop of my choice (we will call this body shop "B") because she did not know where this shop is located, she did not know anything about this body shop. (I found out from the "B" shop owner that this was a big lie - but more about that later.) She told me that she would be at a certain body shop that was GEICO's preferred body shop (complete with a "lifetime warranty" - we will call this body shop "A") because she also had other appointments at that same "A" body shop. When I made it clear to her that it is not difficult to drive to ANY body shop in my hometown with a population of about 45,000 and then insisted on the body shop of my choice she told me that yes she can meet me at that shop of my choice but because of scheduling problems it will cost me an additional three week waiting period since that is when she "would be in my area again". When I suggested to her that since this is a very minor repair that only involves replacing a bumper that was wrecked when one of her policy holders rammed me at a red light and that it should not be a problem to simply have the shop of my choice simply replace the bumper without this claims adjusting process she in turn insisted that she must inspect this damage - nothing can be approved without her looking at it.

I called GEICO at their 800 toll free number to complain about this claims adjuster but they told me that I have no choice but to either deal with this woman or deal with a GEICO Claims Adjuster in a city of about 550,000 people in the State of Tennessee. I spoke with this adjuster from Tennessee on the telephone but she also had these scheduling problems and would not be able to get together with me in this city of about 550,000 people for another three weeks at the soonest.

So Nicolaus Copernicus had it all wrong - the Universe revolves around GEICO Claims Adjusters and their schedules.

What am I supposed to do? It has already been several weeks since the accident and I just wanted to get this process over with. So reluctantly, I settled for the GEICO preferred body shop "A" of HER choice, not mine.

THE GEICO CLAIMS ADJUSTMENT PROCESS

So my prearranged date finally arrived and I got there early and I did not see any other GEICO customers over there. (So much for her other appointments at shop "A".) She proceeded to take all kinds of pictures of my car with a digital camera. She then went about putting the digital memory device with these pictures in a folder - and she made sure that I was aware of everything that she was doing. Fair 'nuff - she is protecting her firm against any future additional body work claims that people might try to put on them. When I told her I was not happy about this choice of body shop she in turn gave me her schpiel "If you use my GEICO preferred body shop then you will get a lifetime warranty, but if you use some other shop then it is up to you to resolve what ever issues you may have with that other shop and GEICO can do nothing to help or assist you.

She then went about talking with the manager of this GEICO preferred body shop to find out what is the cost of repairs. The manager slapped his hand on the bulge of my bumper, the bulge sprang back out, and he proceeded to tell me that "Honda bumpers are very, very bad for this". "So what" I though? It was not like that before the accident, the car is not totaled, and I know that it can be fixed.

GEICO BOGUS ADJUSTMENT CHECK

She then went about writing me a check for all of $98.00 for what she called a "blemish" adjustment or something to that effect. What happened next was me waging a war of words against the GEICO Claims Adjuster, the shop's manager, and some other managerial help at the body shop. I wanted the bumper replaced but they told me that I did not want it replaced because the original factory paint would be gone and you want to keep your original body paint if at all possible. The shop boss also told me that if I get the bumper replaced then the numbers of the bumper will no longer be matching with the numbers of the rest of the car. The GEICO Claims Adjuster repeatedly asked me "What do you want?" and I repeatedly told her "You see this bulge in my bumper? - I want you to fix this." I believe I was speaking in plain English with the Standard Midwestern American accent.

In other words - the claims adjuster does everything that she can to get you to go to her particular "GEICO preferred body shop with the lifetime warranty on repairs" and no other body shop for the claims adjustment process. They do this by just dragging their feet about everything and exasperating you to death. Both the GEICO Claims Adjuster and the body shop then proceed to beat up on you to get you to accept a dollar amount that is far less than the actual cost of repairs.

GEICO BOGUS PAPER TRAIL

By the time I left we had agreed that the dang bumper will be replaced (because I insisted on this) and that they would order the parts and that I would get a rental car and so on. She also took her original bogus check in the amount of $98.00 back and gave me a new check in the amount of $315.25 to reflect the true cost of replacing the bumper. She had the audacity to hand write on the new check 12-03-2001 as the date that it was issued - or two days after the date of the accident - even though this adjustment process is taking place many weeks later. She also gave me a print out itemizing the $315.25 that was dated 12-05-2001. (I did not see these false dates - I was simply in a hurry to get out of there and be done with these people.) My guess is that this falsification of documents is an attempt by GEICO to establish a bogus paper trail "proof" that their claims adjustment processes take place in a timely fashion.

So when I get my rental car I was only "approved" for a Corolla, a sub-compact. I told her that my car was a mid-sized car but she simply wore me out so I just went for the Corrolla without any further ado since it would only be for a few days and the aggravation of dealing with this adjuster simply was not worth the effort.

When I get my Honda Accord back I noticed that the paint job is something that you would expect from a grammar school student with a spray can - not a professional job at all. The paint was running in some areas, and in another area there was no paint what so ever as the primer was exposed. I mean you could see the unpainted surface by standing some distance from the side of the car - not by crawling underneath it with a flashlight or anything like that. Also - there was numerous raised spots on the bumper as if dust particles had been stuck to the surface with the paint.

I got on the horn and talked with this adjuster and told her that I was not at all happy with her GEICO body shop. I told her that I was tired of numerous trips back to this shop to get them to touch up or fix one thing or another, that it really needed to be repainted to take the drips out of it, and that I wanted this bumper repainted at another body shop (we will call this body shop "C" - not the same body shop that I had requested for the initial claims adjustment process). I told her body shop "C" had just finished doing a two-toned bumper for a Lexus and the two colors looked absolutely like factory work. AT first she told me that she could not do this because - get this - my 2001 Honda Accord is "now 3 years old" since the 2003 models will soon be out. (This conversation is taking place in January of 2002.) She asked me if my car is driveable. Of course it is driveable - it is just a rear bumper that needs paint and there is no sheet metal damage and the rear axle is not snapped in half. So I told her yes, it is driveable. She then tells me that since the car is driveable - I should in all fairness return the rental car and get into my Honda to reduce the costs to the insurance company. She in turn agreed that we would then meet at the GEICO preferred body shop but then we would drive from there to the new body shop "C".

THE GEICO WIRED GUY

When I went back to the Geico body shop there was some other guy with her. I could clearly see that this man was wired with a recording device and of course nobody told me that he was wired. When I told the Claims Adjuster I was ready to drive to body shop "C" the wired guy introduced himself as some big shot with GEICO and he didn't care anything about some other shop. He told me that I had "selected" this GEICO preferred body shop and now it is up to the body shop to give me satisfaction and that he was not going to pay some other body shop to repaint and that was it .Also, the manager of this body shop with "the GEICO lifetime warranty on repairs" told me repeatedly that I had been driving the car - as if driving this thing around town for a few days caused all of these paint problems. So much for GEICO's highly vaulted "lifetime warranty on repairs."

I told the wired guy that I had already been back to the GEICO preferred body shop four or five times to get them to do it right but the wired guy and the Claims Adjuster simply got in their car and drove off and I was left to deal with this crappy GEICO preferred body shop. It became VERY clear to me that GEICO would do nothing to help or assist me getting my bumper fixed from here on.

The manager at the crappy GEICO preferred body shop told me that GEICO will not approve any more car rentals for me - so the only thing that I could do was simply drive around for a few days without a bumper until they could repaint my bumper the way that I wanted it done. I told him to select the best day for him next week to pull the bumper of my car and repaint it. He told me Tuesday would be good for him and we agreed on the time.

The crappy GEICO preferred body shop eventually did paint it right and they did install the bumper after just a few days. I also drove around town without a rear bumper for those few days.

FACT FINDING ABOUT GEICO

After all of this I then went about talking to different body shops in my area about GEICO. (This is in January - February of 2002.) The manager of body shop "B" (the body shop that I had requested for the initial claims process) told me that he had dealt with this GEICO adjuster before. He told me that the checks that she writes for GEICO adjustments are a big joke - they do not even pay for the cost of the parts. (So much for this Claim Adjuster's claim that she did not know where this "B" shop is located or didn't know anything about this shop.) The owner of body shop "C" (the body shop with the flawless work on the Lexus) told me that some insurance companies have inspectors that from time to time go out to inspect the completed repairs and ask their customers if they are satisfied with the repairs. No such inspectors from GEICO have ever been to his shop to do this sort of foot work.

I also learned that for minor repairs (such as mine) most insurance companies will not even be bothered sending out an adjuster to look at the damage. Many shops are now just faxing a copy of the itemized repairs to the insurance companies and the repairs are then approved by telephone or fax. I now understand why this GEICO Claims Adjuster insisted she inspect this very minor damage in my presence - she wanted the opportunity to hand me a bogus compensation check that was a small fraction of the actual loss.

About a year later I was backing out of a parking lot at a grocery store and I hit a grocery cart hard. I got out and I noticed that the paint had a "shattered" look (or cracks) to it that extended for a few inches from the point of impact. I then went about talking to a body shop about this (we will call this one body shop "D") and they told me that when the bumper was painted they either did not mix in any or enough flex agent into the paint.

These flex compounds are evidently a cost that can be saved by the body shop if they want to cut corners.

So did I go back to the shop to get my "lifetime warranty" on this repair?

No. I did not waste my time.

LESSONS LEARNED:

A) When it takes an insurance company weeks to set up your initial claims adjustment appointment - beware!

B) When an insurance Claims Adjuster does anything and everything they can to get you into the shop of THEIR choice for the claims adjustment process - beware!

C) When they try to talk you into using a shop of THEIR choice because of the world's greatest warranty - beware!

D) When they tell you that yes they can meet you at the shop of your choice but it will cost you additional weeks of waiting - beware!

E) When the Claims Adjuster insists that nothing can get done until they inspect the damage - no matter how slight (in this case a simple bumper with no sheet metal or structural damage) - beware!

E) When the Claims Adjuster starts giving you documents with false handwritten dates - beware!

F) If the body shop is about as filthy and cluttered as a bombed out WWII German Atlantic Wall defensive artillery concrete bunker (as was the case of this GEICO preferred body shop) - beware!

G) If the insurance company's preferred body shop is a new car dealer - beware!

This last one requires an explanation.

After this ordeal with GEICO and the Honda dealer (yes, the crappy GEICO preferred body shop "A" is the Honda dealer) I started talking to various shop owners and customers of body shops in a fact-finding mission about the automotive body shop business. (Again, this is in January - February of 2002.) I have learned a few things about this business.

The new car dealer's body shops do not pay as much as the independents. The body shop technicians who are coming fresh out of the vocational technical schools wind up working for the new car dealers. The good body shop technicians who do good work eventually migrate over to the independent shops that pay better money. The body shop technicians who are not really that good either stay with the new car dealerships or they just go on to do something else for a living. At least, this is generally the way things work in my home town of about 45,000 people in a rural area and where the nearest biggest town of some 550,000 people is about 65 miles away.

HOW TO GET YOUR CAR REPAIRED

You will be a much, much happier customer if you just go to an independent shop that you trust. Not all independent shops are trustworthy I am sure, so you just have to talk to them and ask them pointed questions such as "how do you keep bumper paint from cracking." Be smart about it. Put the ball on their side of the court. Let them tell you about the flex agent - don't you mention anything about it.

If the shop of your choice is a good reputable one that does good work then you probably will not even have to get anything repainted. A good reputable shop can paint a dang bumper, make it look like a factory paint job, and do it right the first time. Ask to see examples of their paint jobs - there will be cars on their premises that are freshly painted. Again, be smart about it - if their paint jobs look lousy do not say anything because they will tell you "we have not given this thing its final sanding" or something to that effect and they will also tell you that they do not have any other finished fresh paint job available at the moment for you to inspect.

Once you find a good, honest, reputable shop simply take GEICO's bogus check over there and let the shop duke it out with GEICO while you drive around in a rental car. A good, honest, reputable shop will fight for you (they will already have some experience dealing with GEICO Claims Adjusters) and get the money they need to do it right the first time. Once you are in a rental car it is costing GEICO money on a daily basis so GEICO will pay up. The key here is resisting the GEICO Claims Adjuster's schpiel "If you use my shop then you get a lifetime warranty, but if you use some other shop then you are completely on your own to resolve what ever issues you may have with that other shop".

If an honest and reputable shop does somehow mess something up and you really want the silly thing repainted then I believe they will repaint. These honest and reputable independent shops are not surviving because they have GEICO Claims Adjusters underhandedly directing business over to their shop - they survive because they rely on good word of mouth referrals and the last thing that they want are bad word of mouth referrals. So if you are not happy with the paint job an honest and reputable shop will simply repaint - even if they do not produce a glossy multi-colored corporate brochure highlighting the world's greatest lifetime warranty on repairs.

Monday, December 15, 2008 11:29:00 PM  
Anonymous Anonymous said...

Take out Gieco bud there assholes!!!!!!

Wednesday, December 17, 2008 5:02:00 PM  
Anonymous Anonymous said...

googling "is geico a legitimate insurance company" not in quotes this post comes up as #1

Thursday, December 18, 2008 5:36:00 PM  
Anonymous Anonymous said...

Be happy if Geico gives you anything. They don't have to. A crackerjack team of private investigators and lawyers can swat you like a bug. You get to be too much of a pain in the ass and you'll be really sorry. If you get a check assume you then have to keep quiet about them and what you got.

Saturday, December 20, 2008 3:20:00 PM  
Anonymous Anonymous said...

I worked for GEICO as an attorney, I know exactly what each of you are saying. Don't hit me up with hate mail, everyone has a right to work somewhere, doesn't mean that you like who you work for, or what you do. Well I am still a lawyer, and I fight GEICO hands tooth and nail, I have won every CIVIL SUIT that I have filed against GEICO since 2000.

Tuesday, January 06, 2009 11:07:00 AM  
Anonymous Anonymous said...

I have been in an accident and my brand new 2008 honda civic has been smashed in the front . Geico insisted that I sent my car to their authorised body shop which I disagreed and sent my car for repair to an authorized honda dealer bodyshop . Next I knew why they wanted to send my car to their bodyshop . They want to use after market body parts on my new car with 9000 miles on it .

They did not even reveal that to me ,and I only came to know about it from my repair shop . Now the situation stands that they still are unwilling to give any honda authorized body part ,but honda says that if otherwise my warranty on my new car will be void .In this situation I am paying 500 dollars out of pocket so that my warranty is not voided . The adjuster given to me has been horrible .

He neither knows the rules nor the policies . Also in my policy nowhere it it is written that it is Geicos policy to use after market parts . It says it would return the car in preloss condition ,which definitely wouldnot be the fact in my case. Horrible service for all the cute customer service and advertisement . Geico would rip anyone off the low price they claim to give in the first instance .

Deblina of Mineola NY

Sunday, January 18, 2009 5:49:00 PM  
Blogger Deborah said...

Hi. I was in an accident in July 08. I have Geico. The other driver who rear ended me was also Geico. My nine year old daughter was in the back seat. my car was totaled, My daughter has PTSD from the accident. She is so afraid to be in a car. It has been hell for my family. I settled mine for 12,000 dollars. Geico promised me they would still pay my med pay. Since the med pay is a separate issue. Now they are dragging their feet on my bills. They tell me they only have one Nurse to review the medical bills coming in. Can you believe that ? Out of hundreds of claim's to process they only have one nurse. They are awful. I wasn't going to sue them. For my daughters protection I now think I have to. They are Liars.

Monday, June 15, 2009 8:12:00 PM  
Anonymous Anonymous said...

A geico insured driver came into my lane and hit my van (toyota Sienna), I had my side right mirror broken, big 2 line graze in right side of van. She accepted her mistake, said she was having a drink of coffee and her SUV swerved. Nobody was hurt thank God, she had two kids in her SUV, I had my three kids with me. Police report says she was at fault, she got three tickets, her license was from another state even though she had moved to SC for a year already, she did not have papers to her SUV etc. I go home contact Geico, they take two weeks telling me they could not contact her, ask me what happened atleast three times, last time was recorded. They asked me questions like how old my children were, who was sitting where, did I take drugs, this that and the other and finally they ask my name again at the end when i have told them my name in the begiining of the interview. Almost seems like they are trying their best to make me lose my cool. Anyway, today i get a letter saying that it is 100 percent my fault and that i did not stay in my lane. This is totally outrageous and unfair. I have state farm and my agent will talk to the claims adjuster. I am also goint to talk to the police officer who is my only witness. Before the police officer came the other driver told me she could get my van fixed at her father in law's body shop, why would she suggest that if she was not her fault. If i had known how corrupt Geico is i would have taken her up on her offer. Sorry my post is rambling with not very good grammar but I am so upset over this, cannot sleep. Thank you for listening.

Wednesday, September 16, 2009 11:45:00 PM  
Blogger Darrelltwo said...

We've had a similar experience with Geico. Their driver made a u-turn in front of our son and totalled our family car. Although a citation doesn't determine fault, the traffic court did determine the Geico driver was at fault. It was really pretty cut and dry and there's even an eye-witness, so no argument about the driver not yielding the right of way. Geico still denied the claim. The truth is, it's their prerogative to not pay anything. You are NOT their client. You have to sue their client, win your judgement, then let their client take it up with them to get their money back. In a civil world, it shouldn't be necessary, but it's true, they have no obligation to pay anything. So, we've done exactly that. We've sued the other driver in small claims court and don't care if Geico pays her back anything, it's her fault she didn't have better insurance.

Good luck to you guys!

Things to remember: They don't have to pay you. Cops and citations don't determine fault, but a traffic court judge's decision helps a great deal when you get to civil court!

Thursday, February 11, 2010 11:48:00 AM  
Anonymous Janet said...

We have a claim with Geico and they have only agreed to pay 50%. Are you still going to do the documentary? I wish someone would. They need to be stopped; they need to be reprimanded by somebody; and they need to pay up!

Thursday, May 20, 2010 12:32:00 PM  
Blogger The Stark Raving Viking said...

Janet,
I've produced shows to go on public access television and have shot raw footage for another documentary producer. As far as doing a documentary on the insurance industry, if I had funding, yes I would.

Thursday, May 20, 2010 1:48:00 PM  
Anonymous Anonymous said...

Hi! I had my car repaired through a geico claim. Their claims adjuster did not pay for a part to be repaired. The car blew up on my way driving it from the car shop.
I had to take a greyhound bus to get to work in time, a terrible experience, I have rented a car. All becuase they refused to pay. The experts at the new repair shop said its accident related, they want to pay for the part and not the car rental and overnight stay and everything I went through. This is not ok, I was stranded for hours on the side of the road, their company which includes tow took over 2 hours to get the tow truck out in 104 degree heat.

Friday, September 02, 2011 1:38:00 PM  
Anonymous Anonymous said...

I would love to speak to the lawyer that used to work for them now fights them "tooth and nail". I am about to declare bankruptcy because of the mess I have had to deal with and they want to offer me peanuts after their client ran a red light and t-boned me at an intersection. I have permanent soft tissue damage, I had to roll 2k into a new car because they wouldn't total my car which even the body shop owner said that it should have been totaled and the car was no longer safe to drive. I have been dealing with this for 8 months. I had to pay for my own rental, pay to get my car out of the lot, I still owe the hospital 1.4k and they continue to jerk me around. So wrong!!! I need help. My lawyer is kind of giving up. They made me an offer yesterday for $1999 then moved ut up to 3k when I told them to shove their offer up their asses. This is killing me to know that they can get away with not paying their claims. I'm the idiot who is insured to her eyeballs and the guy who hit me can carry crappy Geico insurance and screw me over. I'm desperate.

Friday, November 18, 2011 12:38:00 PM  
Anonymous Anonymous said...

Why on earth are people still using GEICO?

A simple internet search will turn up the many thousands of irate customers.

GEICO is part of the trend in the US today for companies to adopt a fundamentally sleazy business model.

GEICO is exactly like the many health insurance companies that are fine accepting your premiums for many years up until the point that you actually need something. But when you actually do need to make a claim, don't count on it being handled in a way that you expect. Don't count on getting your car paid for. Don't count on getting your medical bills paid.


One thing is clear: If they are spending millions on expensive advertising that is money that they are NOT spending to pay out your claims.

That is simply common sense.

Monday, January 02, 2012 10:33:00 AM  

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