Complain about a product or service

GEICO

Anita of Fredericksburg VA (09/03/08)
2 incidents: My daughter drove a borrowed car, she was told was insured. She slightly rear ended someone--who said they weren't hurt. The car she drove actually hadn't been insured by the owner, but she didn't know that at the time at all. The people she hit were insured by Geico. Now they claim injury, and Geico is harrassing our daughter, rather than going after the registered, supposedly insured car owner.

I was hit by a reckless driver that ran through a red light at a very fast speed. She was insured by Geico. The police report shows this to be 100% her fault.

Geico is suing our daughter, who completely beleived the car was insured, is out of work and has a new baby; rather than going after the registered owner of the car she drove. We have explained this to Geico in detail many times, yet they keep going after her. At the same time, refusing to pay the bills from my accident, caused by their insured. Our daughter needs the attorney, we have one.

Mary of Lindenhurst NY (09/02/08)
My husband is temorarily disabled, has been out of work 3 weeks. Workers Comp is screwing around the insurance company has not showed up to his workers comp hearings. Now they have set another hearing for 10/3, meanwhile we have no income coming in. I am a stay at home mom of 2.

I called GEICO & Emailed them our situation & they said the bill is due 9/11 but they can give us to 9/13 or they will cancel the insurance. We have a leased vehicle on the policy & if the insurance is canceled they will take the car. They said they couldn't do anything.

Linda of Tucson AZ (08/30/08)
On 7/24/2008 I was in volved in an accident. A [man] hit the back of my vehicle. [He] received a citation, did not notify his insurance co. of the accident. I called Geico at 4:30pm on the 25th to see if [he] had filed a claim. He had not so I did so. [He] claims I was at fault because I cut in front of him. An investigation wa launched and now 37 days later I am still waiting to get my car repaired. The examiner for Geico has sent a letter stating he has 10 days to get in touch with her.

[Geico] suggested I file through my insurance co. However I have a $500 deductable. Why should I pay my deductable when it is their insured that was a fault. I left a message suggesting Geico send me $500 and I would glady filed through my insurance co.. What can I do?

The back end of my car is damaged a tail light is broken whickh could result in being pulled of by law enforcment and getting a citation. Besides I have red tape of my tail light which looks terrible.

Vivian of Redfield AR (08/28/08)
I was a Geico policyholder from 1985 to 2003. That is, until the day I received a letter from Geico stating that they were cancelling my policy. In all those years, I had had 1 minor fender bender, my fault. I had never even used the glass policy for my windshield in all those years. I contacted Geico concerning this notice of cancellation. I asked the customer service rep why Geico would cancel my insurance. Her response? She said it had to do with 2 speeding tickets I had rec'd in 1998 and 1999, 3-4 yrs previously! However, she let me know what the real reason was. You see, since I had been a Policyholder for so many years, I was what they called Grandfathered In. This means that I could not have my rates raised. I wasn't with Geico all those years for nothing. The rates were AWESOME! No other insurance company could touch them!

So, in order for Geico to raise the rates of all us long-term policyholders, they had to find something, anything, to cancel coverage over. So, Geico cancelled my coverage over old tickets. She responded that she could start a new policy for me, if I wanted, but it would be much higher than the rate I had previously been paying. My rates at the time of the cancellation, for 2 vehicles, was approx $650.00/year. The new rate she quoted me - $2400.00/yr. I was floored! I asked why it was so high? She said the company set my rate at that price due to those 2 old tickets. I walked away from Geico that day. I have never looked back. I will NEVER call them, even to get a quote.

I am a Claims Adjuster and have been for many years. I read your stories and I, too, wonder how these companies get away with the tactics they pull. For anyone interested: Heres a GREAT TIP! GET AN ATTORNEY!

Brandie of Loganville GA (08/27/08)
had an accident in 2007 i was found at fault and there was a couple thousand dollars of damage to other vehicle and couple to mine,they paid in timely manner also my rate only increased $37.00 per month on full coverage with 2 vehicles in november 2008 i will be a customer of theirs for 11 years.

Elizabeth of Mooresville IN (08/25/08)
When discussing the value of the 2005 Harley Davidson Softail Deluxe (stolen August 7, 2008) that I had insured through Geico Insurance since 2007, Mr. Lasater explained to me that the value of the accessories and chrome I added to my bike were of a value of only $500 due to the fact that I had not reported them to Geico at the times I added them onto the motorcycle.

He claimed I was told I needed to do that at the time I purchased my policy, but the customer service rep I dealt with did not ask me if I had customized the motorcycle at all. I'll be going back to Farm Bureau Insurance for my next motorcycle...if I can afford to get one after Geico pays off!

Aleksey of Philadelphia PA (08/25/08)
This year i joined a Geico insurance. I had a good car, it was a 1998 Ford Crown Victoria Police Interceptor. I had this car almost 8 years. Geico give me a good premium and coverage. But in July of this year my car was stolen from my friend house. After one week car was found near place where I'm flying my R/C planes by park rangers.

Geico start special investigation and did not finish yet. Now i have no car and i have to pay for it, because representative told me it is a Company regulations beside of that Geico almost double-up my premium.

Deborah of Buxton ME (08/23/08)
2 days ago I got a call from geico. Im qm canceled and to call by friday to reimberse my policy, Im only 7 days late with said payment she informs me everything will be alright by friday, So I called friday and I spoke to two men one man put me on hold even after her got my visa # and the 2nd man said call with visa card again on fri/ Sat. so I called on Sat after our check cleared with our bank, the 2nd man quoted me a price of a renual fee $112. and $52. a month and have has geico for 2 1/2 years, geico says there insurance company cant insure me. I was with them for all this time and Im refused?

something smells real bad with geico, there trying to say I was involved in a car accident I wasnt, I was in to accidents but neither my fault, rear ended in 9/07 and a tractor tralor ran a red light side swiped me with my 2 week old grand child in the back seat, the tractor tralor demolished my car, I no longer have anymore, but It was not my fault and geico at the time had me pay for $500. for the deductible. I got a great lawyer and he was apauled with geico's wrong guidence and I should have never paid for a deductable, the chief of police said it was totally the trucker fault even a whitness came forward, now I was not at fault for eather accident,

today is August 23,08 and geico clamed I had an accident on November 1,2007 with no proof of an accident, someone at there office put down I had an accident on November 1, after crying I called a reputible insurance agence and got insurance.

Daniel of Ridgefield NJ (08/21/08)
When I initially opened a policy with GEICO I was quoted a premium based on my credentials, etc. I was quoted a policy for a 12 month period from one of their representatives. I verified twice that it was in fact 12 months. I was ok with the amount and went about my merry way.

When I initally recieved documentation from GEICO I noticed that it was a 6 month time span that my premium covered. I thought it was a mistake and figured I would call and rectify it. As it turned out, I was told by a customer service rep that it was in fact a 6 month premium. I was irrate and had it out with a monager their to no avail. I bared and grinned it and angry as I was went on with my normal routine.

Recently my policy was cancelled due to a non payment. I added collision to my policy and had to pay x amount of dollars. I had another payment due shortly thereafter and never received any notice. The next phone call I got was after my policy was cancelled for 5 days to reinstate. That really steams me.

I had to pay double what I was quoted by a representative to cover me for 12m months. My concern, I was lied to.

Asif of Saint Paul MN (08/19/08)
I filed a comprehensive claim for a paint damage, geico did not pay for it. Then I filed another claim for windshield, but in the online system I put wrong date accidentally. Geico did not pay for it saying I did not have glass coverage at that date. But when I called to let them know about wrong date that I put accidentally. They did not listen, and constantly said that I have to pay that myself

I had to pay everything even though I had coverage

Stephen of Alexandria VA (08/08/08)
Our 19 year old son purchased a vehicle from a private individual while out of state at college. The car had bad brakes. The brakes failed within the first 2 or 3 days of purchase, and he hit another vehicle. His was a late model vehicle, and the damage exceeded the value of the car. We donated the vehicle to a charitable organization. The owner of the other vehicle eventually submitted a claim.

Ever since that time, GEICO has been investigating the claim to establish whether we owned the vehicle at the time of the accident. Since my son had actual use of the vehicle for only a few days and bought it from a private individual whom he didn't know, there is no bill of sale. It took a lot of jumping through hoops to obtain a copy of the out of state title, and that was provided to GEICO. We provided copies of his payment on a loan he took out to purchase the vehicle. GEICO says the copy of the title is not good enough because it is dated after the accident. The loan papers are not acceptable because the loan was not secured by the vehicle. In short, all the documentation we have provided is not acceptable to them.

So now, they send us threatening letters to essentially put us under oath and take depositions. Is this how you treat a 30 year customer? Review the facts: A 19 year old kid buys a defective car. The brakes fail, and he hits a car. He provides evidence he has been paying on the car. He has evidence he held title to the vehicle. If he did not own the vehicle when he wrecked it, why would a 19 year old kid buy a wrecked car he would never get to drive? And if he did not own the vehicle at the time of the accident, wouldn't we have let the previous owner deal with all this hassle? GEICO refuses to accept the obvious and now treats us like we are engaged in fraud or something, instead of the loyal customers we have been over the past 30 year.

They refuse to acknowledge the obvious conclusion that can be drawn on the facts and do not even offer an alternative scenario to explain the facts that have been provided. Readers, it is a bit shocking to find that a company you trusted is only too willing to throw you overboard on the slightest whim. We are totally fed up and will be taking our business elsewhere, something our 30 year record of loyalty would suggest is something we do not do on a whim.

Right now, the consequences are the aggravation of being sent threatening correspondence. The potential consequences are GEICO's potential refusal to pay a just claim

Brandy of Fremont IN (08/01/08)
I have been insured with Geico for over 3 years. I've never been in an accident, gotten a ticket, or even made a claim. My credit has defnately improved in those tree years. I receied my renewal notice in the mail yesterday and my rates increased over $200!! I'm a single mother of four, that kind of money isn't easy to come by.

I spoke to a representative that told me the increase was due to an increased rate for my state (which is Indiana). How ridiculous it that!! Now I am looking for a new insurance provider for my van, my motorcycle, and my home.

I used to speak highly of Geico, and recommended them to everyone. They could atleast send out a detail of why an increase is made, as well as billing rates.

Jeanne of Maitland FL (07/31/08)
Daughter insured by Geico, killed in rental car out of state. Said death benefit not covered in rental out of state. Lived in FL and died in KY

Edna of Dumfries VA (07/29/08)
Called to get auto insurance policy reinstated and was told an amount. I authorized that amount and was transferred to the Reinstatement Department. Once to that department I was told I needed an additional $800 to reinstate the policy. Once I explained that was not what I was just told, they apologized on behalf of the other representative. I told them at that time, I wished to have a refund for the previous amount I had just authorized. They told me that would be fine and processed the request.

When I looked at my account this morning, the amount had been taken from my account after I was told it would be refunded. GEICO would not refund my monies.

Bounced checks and bank fees because I was told one thing and something else happened.

Debbie of Largo FL (07/18/08)
I have been a Nationwide customer for 10 years, with impeccable credit scores, and recently became aware of the fact that my daughter (who is a full time, straight A graduate student) was to be dropped due to her non-preferred classification (she had 4 not at fault accidents in the past 3 years)... Although my agent was looking for options for us, out of curiousity, I began looking myself. What a mistake!!!

In my quest to ONLY get a quote, I found myself committed to two policies from Geico (since the Geico online system only allows you to enter 3 vehicles in one transaction)... When I finally called the customer service number on July 14th and spoke to Patrick, he assured me that he was able to make one policy with all 4 cars and drivers at a cost of 2,136.80.....To me, that was an amazing offer, and I eagerly allowed Geico to take $292.42 from my checking account. I had no idea that they were expunging another $382.01 the next day (7/15), for the second policy (that was supposedly combined with the first one the day before)...

Within just 48 hours, the quoted cost for our insurance doubled....to over $4,700.00 FOR a 6 month premium (after they removed almost $700.00 from my account!!!) We have cancelled all policies (THANK GOD) and will patiently await the refund they promise.... If I were to make a request of this company, it would be to take a breathe, think it through, and wait 48 hours to give your customers a reasonable quote.... I would much rather know your bottom line FIRST... than to be tricked into a commitment after the promise.. hopefully the continous postal (and email) correspondence will come to an end soon...

Deborah of Forest VA (07/15/08)
I received my auto insurance renewal notice today and my premiums increased. Now mind you, it's a small increase, but I have a clean driving record and no claims/no accidents. In all the years I've had insurance with Geico, I have had a premium decrease. I called and spoke to a customer service rep and was told my rate increased because of the high accident rate in the state of Virginia. I have to pay for someone else's mistake? Do they even hear what they are saying?

I was told, because you are such a good/safe driver, you only had a small increase. I feel this is unethical and fail to see how this can be legal. The folks with accidents should be made to pay for their mistakes,not the other way around. This employee was very comfortable with what he said, very accepting of this. Are the Geico employees brainwashed? What recourse do I have other than cancelling my car insurance?

The consequence is less money I will have every month because I am once again paying for someone else's mistakes. I can barely afford to feed my family.

Elaine of Seneca Falls NY (07/15/08)
I have been a customer w/Geico for many years insuring 1 to 3 vehicles. I have been so satisfied w/them, I even insured my new home purchase through Geico. I recently noticed that my monthly installments had jumped from $80/month, to $168. I phoned a customer service rep appox. July 7th (who looked at my policy and agreed that my record is IMPECCABLE) inquiring why and was informed that the increase in premium was due to my 24 year old son's (bad) driving record and a recent suspension.

I had my son on my policy when he was 19 years old. He has not lived under my roof in 5 years and for that matter hasn't driven a vehicle in over 13 months nor ever wants to again. On 7/14/08 I receive notice from Geico that they are now cancelling my policy due to HIS driving record and that this will affect my credit history. What can I do to have a 24 year old MAN removed from my insurance policy? As I stated, he doesn't drive nor ever wants to again...so will not purchase insurance himself. Please advise what can be done and as quickly as possible...my cancellation is pending! Thank you

Sebastien of San Francisco CA (07/14/08)
After being in an accident, I contacted Geico and spoke to Jackie, who informed me that on liability policies Geico only takes in and process the claim from the other driver . Jackie, though personable, informed me that I would not receive any representation for my damages in making a clam against the other driver or their insurance company.

I feel that I have been left to fend for myself. After speaking to other drivers with experience in these situations, this practice is not standard. I do not expect coverage on a liability only plan, but I do expect fair representation from Geico.

I will most likely not receive compensation for the damages to my vehicle, while the other driver will end up covered once legal proceeding occur. Cost to me about 1,500-2,000.

Joanthan of Plainview NY (07/06/08)
Each time I change my account information they automatically add in extra services at a cost to me without asking. These services include road side assistance, full glass coverage, etc. Always ask after you change any information what has changed in the account.

They add in features at a cost to the consumer without the consumer's knowledge.

Herb of Melbourne FL (07/04/08)
i am trying to stop all mass mailing from geico insurance. i receive constant offers for car insurance when i don't even own a car. i don't seem to be able to stop it. can you help. thanx,

it is driving me nuts.....

Rey of Dallas TX (06/22/08)
GIECO uses delaying and holding tactics to get more money out of its policy holders. When I tired to end property coverage for my car and have liabilty only. GIECO had to have a denial form filled out exactly right. After many attempts, they claimed to have not received it,they finally had my form and changed my policy. So I dropped off the payment in the payment slot at their main office 4 days before the policy ended. Four days later, my policy was cancelled for non payment but I could start a new policy at a higher amount.

Lauri of Granite Falls, NC (06/18/08)
My car was stolen from my driveway 6/11/08. I called the Sheriff and then GEico. I then went through interviews regarding the theft. I have full coverage including rental car.

The vehicle was found 6/16/08 in an ajoining county in a creek. Well, I called my adjuster,Jennifer and told her I would need a rental. I was then informed that I would have to pay out of pocket and be reimbursed. Enterprise says they just bill Geico. I called Jennifer back and was informed that because they had opened an investigation I was not eligible for a rental.

It so happens I am a paralegal in a personal injury law firm, the attorneys went over my policty and there is nothing anywhere about that kind of exemption in my policy or the website...needless to say we are fighting foer the coverage I paid for!!

Patrick of Enfield CT (06/12/08)
I just got Geico Insurance and was sure I got Compresive Insurance on my wife car because we had it under old insurance Safco I droped a tree on her car because wind change direction and car was damaged when I call to inform them they said I did not have coverage

I think they elemated this coverage to give me reduced rate with out telling me becaus I was not going to switch becaus there rate was equal to old insurance then I got a phone call saying I got reduced rate while I was driving but could not as any questions at time. Now Im stuck with junk car and upset wife I cant reserch computer records because it over a month so im stuck

Kathy of Millerton OK (06/12/08)
My mother was a retired employee of Geico Insurance at the Dallas Branch office. After retirement, she retained her banking through a Geico FCU with a savings and checking account. Mom was a stickler for paying her debts and bills immediately. She was proud to be debt free in her retirement years. Mom passed away on April 23, 2008. Immediately we paid off her debts with her own money. I did the right thing contacting Geico informing them of her passing. The Geico supervisor immediately froze her account, sending back the checks of mom's final debts, including her funeral check! They bounced her funeral check! How shocking! The other checks were two medical bills, the gas bill, a telephone bill, all of which were debts incurred by mom before she passed away. There was also a final rent check to give us time to handle her personal possessions.

There was no way either of us could afford to pay her debts from our own finances. Not only were we charged insufficient fees by some of her creditors as well as late fees, yesterday I received mom's Geico statement for May. They charged her account for 10 return draft fees since some of the checks were sent back through more than once. Geico raped her frozen account for $250.00. I have had to borrow $3000.00 to final out mom's finances. Since then, a few more bills have trickled in, another medical bill, electric bill, cable etc... in which I have to find a way to pay. I couldn't imagine using them as my insurance carrier. I just want people to know what they are really made of.

This has been very frustrating and totally humiliating for my sister and I and am sure my mom, if she is watching is totally outraged! The money is in the account and eventually we will get it back, but not before Geico got their share.

Annie of New York NY (05/19/08)
My son purchased a car fron Koeppel Nissan dealer on May 3rd. To purchase the car he received insurance from Geico on Saturday, May 3rd. On Monday, May 5th, we called Geico to cancel the insurance because we changed to Allstate which was substantially lower. We asked for a refund. We were told the refund would be refunded on 5/18 which is a sunday. Today is May 19th and we have not received the refund. They withdrew the money from 2 of my accounts in one day and it's taking 2 weeks before they return it. We've called Geico 3 times and were told we would get the money back but still haven't.

The economic damage is Geico is holding onto my money for 2 weeks when they took it out of my account in one day. I should not have to wait this long for a refund. The refund wasn't returned when it was supposed to be.

Elizabeth of Rochester NY (05/14/08)
Michael calls me trying to be real nice on tuesday 5-12-08 and says geico will let me keep my car and pay for it to be fixed , dominick calls on 5-13-08 pulling the same as michael did trying to be nice. i went to where geico towed the car to Iaa salvage yard to see my car ,they brought my car up front in there lot it had anti-freeze & oil pouring out of it. [They] had been racing my car around on their lot since it has been there and blew the motor . now i'm with out a car & geico got even with me because i wanted my car back . i hope who ever reads this goes to another insurance company.

Tina of Villa Grande Ca CA (05/13/08)
Yes my daughter was involved in a accident with a client of Geico insurance it was completely his fault as he was driving in the wrong lane and my daughter swerved just in time to avoid a head on collision, and in the process her car was totaled. She is a single working mother and needed a car to get to work so she had to rent a car to get back and forth to work, geico ins refused to pay for the rental for some unknown reason so my daughter had to pay for it out of pocket and this is causing her great hardship. I do not think this is fair to her.

My daughter had to put $350 on her credit card, with the interest they charge her she will not have this paid off who knows when. This is money she could have used for many other things for everyday living expenses for her and her daughter.

Elizabeth of Rochester NY (05/11/08)
my car was stolen out of my fenced driveway with a security camera on the house on 4-18-08, the tape was given to the police. i called geico which is the insurance co.they told me to call back in 48 hours. i got a call from the police that they recoved my car on 4-21-08.

when i called back geico they gave me sam as an ajuster , he inturn called bryan who also works for geico to go out and access the damage , bryan claimed the car was totaled which is not true the only damage to the car was a broken custom tinted glass on the drivers door & door panel,the steering column which the ignition was ripped out & part of the dashboard, the car was in excellent condition for a 1997 and is still is driveable.

bryan lied and sam is going along with the assessment to save geico money.sam towed my car to Iaa salvage yard without a written authorization from me,which sam sent me papers later after he had the car towed. Iaa will not release the car to me which i still own and have not signed the title over to them. sam said he will not discuss anything about the car until i sign the car over. i told him i am keeping my car and he said geico is not paying for the repairs .it has been 23 days which i have been without a car & i won't rent a car because i have read other complaints about geico not paying other peoples claims.

without my car i have been unable to go to my doctors appointments or take my mother to hers,this has caused me alot of stress by arguing with geico to get my car back which to no avail.

Lee of Lexington KY (05/07/08)
Eight months ago a seventeen year old girl decided it would be wise to run a stop sign while I was driving down the cross road, which by the way didn't have a stop sign. You guessed it, she was a gieco customer. The wreck was enough to completely total my vehicle. At that point I was just glad to be alive.

Gieco handled the property claim(my truck) very well. I recieved enough money to pay off the loan and a little bit over in a reasonable time. The morning after the accident I awoke to terrible pain in my back. The middle of my back felt like it was twisted and I could barely move my neck. Shards of pain were consuming my back. The hospital had a five hour wait and no air condition so I decided to wait and go to the Urgent Care Treatment.

After numerous doctor visits, mri's, and physical therapy I was still in terrible pain. Unable to work I still felt like I was in good hands. The insurance companies are large corporations, I've paid my dues. There is no reason they shouldn't take care of me after all it wasn't my fault. I filed my paper work with my insurance for the personal injury protection plan that I pay for every month. They politely explain that while being disabled from work I could recieve two hundred dollars a week. Hah!. I now have enough money to pay for gas and maybe some groceries. What a joke. Meanwhile my back is just killing me whenever I try and move off the couch. It takes about three months for the old checking account to hit zero.

But I felt assured, the Gieco claims adjuster, Welsey told me everything was going to be taken care of. He told me just as soon as I was done with the doctor's that he would cover my loss wages, pain and suffering and all my medical expenses. That sounded pretty good but my back was still hurting. A nice cortizone shot to the shoulder blade took care of the mind numbing pain in the middle of my back but my lower back was still hurting.

After a CT scan the doctor finally found something wrong. Acute Spondylosis. What is that? I dont know, but it makes your back and legs hurt really bad. The part that bothered me was the doctor said to fix it would take surgery(a fusion of the discs with screws) or I would just have to learn to deal with the pain. O yeah and here's a couple painkillers. The surgery costs fifty thousand dollars to perform and I would be out of work for a least three months. To make matters worse in ten years I would most likely have to have the surgery again and then ten years after that and so on. Are you kidding me. Im almost twenty four years old so by the time Im sixty five I could need up to five surgeries resulting in combined fifteen months off work.

I was at the time running a new company in the Lexington area, working with marble, stone and tile. If you didn't know it, it is a very labor intensive industry. Growing up on a farm, I was more than able to do the work. Not with a bad back though, I found out the hard way. The doctor's released me about three months after the accident. It took me more than a week to finish a simple shower wall a floor. The pain was unbearable. I had to find someway to pay the bills. My boss also owned a car wash. One that just washes the outside of the car something easy where im on my feet instead of bending and kneeling.

Gieco in the meantime or should I say Welsey the Gieco representative takes his sweet time in obtaining the medical records from my doctor's. I on the other hand have missed out on three months of work. Since my earnings in the tile business were based on the amount of customers I served the amount of losses are clearly speculative, but I took a lot of calls and passed them on to my competitors. At least I was helping them out. I speculate loosing around ten thousand dollars in work due to jobs that had to be dropped and future work from those jobs. The future loss of work would be astronomical, who knows how well the company could have succeeded.

Five months after the wreck, taking there sweet time. The Gieco claims adjuster, Wesley, offers me five thousand dollars. How ubsurd! My medical bills alone total about three thousand dollars. I now work two dead end jobs in order to pay for my house and truck. There is no money for law school and the bills are piling up.

On top of that without surgery the only physical activity I can do that doesn't leave me feeling paralyzed is to ride a bike. No more softball, tennis, or golf. And now I can't even ride my horses. I feel as more and more time goes by without help I will have lost my house, my truck, and any chance at a prosperous future. If it is a state law that I must carry insurance then were is the government regulations on insurance business practices. Where is the accoutability. The accident was not my fault but I have to suffer from it for the rest of my life.

Beth of Seattle WA (05/07/08)
Geico sent me an email informing me that (after the fact)they had run a credit check to see if they could get me a lower rate on my insurance. I NEVER contacted them about insurance!

I am trying to clean up my credit and don't need extra people looking in on it.

Allen of Los Angeles CA (05/07/08)
GEICO, I just canceled my insurance with you, after only 10 days. I'm sure you probably don't care, but I will explain- just to get it off my chest.

1st; I went on line and filled out all of my info to purchase motorcycle insurance, for a Moped I just bought. When I finished, I pushed submit, but it wouldn't continue. After several tries, had to call your office to have someone help me complete. The representative said everything was OK. Everything seemed to go well, so I gave my credit card number and the saleswoman said I would get a signature request in the mail.

2nd; 3 days (April 29th) days later, I get a letter saying that my insurance went from $74. to $96. All this before I even get my policy in the mail. I had to call to find out why, and the GEICO representative said there was a mistake and changed it back to $74.

Finally, this past weekend (May 3), I received a packet with about 25 pages in it, including 4 pages for signatures- one page with no information for what the signature was for. I spent the weekend trying to figure out what I was suppose to sign. I called back on Monday May 5th, and talked with two representatives. I was told that if I signed one of the pages (uninsured motorist waver), that my insurance would be virtually ineffective, unless I paid another $80. I'm thinking, 'Why am I buying insurance that will not cover me?'

Well, after a small argument started by someone named Tom (..who said that 'if I canceled my policy he would turn my name into the DMV'- whatever that means.), I canceled my policy. I know that you are a big company and you've figured out a system to sell insurance, BUT, do you really want clients to feel confused and taken advantage of? ...You know the petty threat didn't help either- it was then that I realized that I don't need GEICO. Anyways, please take me off of your mailing list, email list and telephone list, I'm currently looking for a better insurance company.

I canceled 10 days into my policy beacuse of poor communication and several fee changes. I paid a deposit, which they said they would return, but no rebate yet. (It's only been two days.)

Channell of Grimesland NC (04/29/08)
I went online 2 pay my payment the website was down well it wasnt working so I called my payment in gave all the info that was needed to make my payment ok the time is 11:40 im sent to the machine thats asking the same info that I have just gave them its mabe 11:47 Im on hold again the same mesage comes back on for security purpose we need your zip your date of birth and policy number

make along story short someone comes on the phone at 12:02 telling me my policy is now cancel but they can help me start a hold new policy with a down payment of 226 dollars my payment is just 148 a month now someone please tell me they understand what im talking

THE consequences is Ihad to pay more money gas is already high and now you have to worry about your insurance company taking from you

Misty of Anytown SC (04/29/08)
WARNING! DO NOT INSURE WITH GEICO! I have been insured with GIECO since 1999. During that time, I have paid thousands of dollars to them, and they have never had to pay on a claim. In November, I was married, and chose to place my husband on my policy. Because he was ticketed for driving uninsured in 2005 (he did not realize the policy had lapsed), we had to have SR-22 (He was not in an accident - he simply received a ticket). The underwriting company carefully checked our driving history (they have to do this with any SR-22 policy) and after seeing our driving record felt there was no risk, and in turn offered us a policy. I paid the premium (over $900).

In December, my husband accidentally backed into my car while it was parked in the driveway. We had the car inspected, but chose not to file a claim with GEICO, and instead chose to pay for the repairs out of pocket. Long story short, we are set to renew in May, and I just received a letter stating that they cannot reinsure me. I have been with this company for 9 years, AND THEY HAVE NEVER HAD TO PAY OUT ONE DIME FOR ANYTHING! Here is the problem I have. The underwriters had no problem taking my $900 in November, but now after one accident (in which they did not even have to pay), they have opted to drop a loyal customer of 9 years.

I feel that it is important to let my friends and family know that this company is not what they make themselves out to be. You guys know me, and you know that I am an honest person. I will be insuring with the company I was with prior to GEICO, but I do not want my friends to be a victim of this company as I have been. If you are with GEICO, remember that one accident is all it takes for them to drop you...no matter how loyal you have been!

Mark of Richardson TX (04/24/08)
Geico's intent is to screw me out of what I deserve which is to have my car back in the condition it was prior to the accident. It is Geico's intent to have fix my car in a sub standard way so they can reap more profits. I have had insurance with Geico for many many years and paid them thousands upon thousands of dollars for insurance. All I ask is what my policy says I am entitled to! Geico would not be out one penny of money if they would pursue the person who hit me and made them pay for the damages. An illegal alien who was not even named on the owner of the cars insurance policy was driving the car without a license and without an insurance policy. The owner of that car allowed that person to drive that car knowing they had no license and was not covered on their insurance. The owner of that car's insurance should be paying for all this.

Geico has refused to pursue the other insurance company because they want both mu premiums and the other person premiums to go up so they can again make more money. Who is watching out for the consumer? The BBB the State Board of Insurance? I have paid my money and I have rights also, I plan to express those rights on the Internet and in Video on You Tube.

My letter to the State Board of Insurance 1.) I have the right to have my car fixed back to pre accident condition, which was not plastic filler. 2.) Provide proof that Geico is attempting subrogation efforts. 3.) Geico should either fix my car properly or make the other Insurance company pay for it. 4.) Caliber Collision should be investigated for fraud and collusion, I can prove this. 5.) Caliber Collision adjusters are paid commission on screwing the customers. 6.) Thank you for your PREDICTABLE GEICO FAVORED RESPONSE 7.) Please provide this letter to someone higher up the food chain.

Bonnie of Houston TX (04/15/08)
Many things happened along the way, but the worst was the attitude of both these adjusters to myself and to the manager of the collision dealership doing my repairs.I was told several times I should not take my car anywhere except where the adjusters wanted it to go.

Because the adjuster would not listen to the body shop manager, it made for many days of delay and more days to wait for repairs that should have been done right away.

Stefan of Boise ID (04/15/08)
I signed up with GEICO over the phone for the minimum coverage required in my state. They quoted me a low rate and I paid for six months coverage by credit card. I week later I got a letter from Geico saying that they had changed the terms of my contract, and demanded more money. Of course this is a blatant contract violation and actionable. It is also an outrage. I called their toll free number and a lady said they had been informed by a third party that I had had an accident in 2003 and that is why they raised my rate.

I did not have an accident in 2003, to the best of my recollection. I have never been in any accident that was my fault and have, therefore, never cost any insurance company any money. Even if I had been, they were not entitled to change my contract after it had been agreed to by both parties and money had changed hands. That is elementary contract law. It makes no difference what is in the fine print they sent me.

I never agreed to this fine print and implicit agreements, or assumed agreements, or implied agreements, have been struck down in case after case and are not legally valid. The lady gave me the number of this third party and said they would tell me the details of my supposed accident. I called the number and got a very unhelpful recording and absolutely no information about my supposed accident

I wrote to the president of GEICO (I have his private number and address) and told him what I thought of his business practices. I also told the lady in the phone that I would not pay the extra money they demanded. I have not had a reply from Mr. Nicely as yet, but it is too soon to expect one.

Randolph of Sacramento CA (03/28/08)
My car was vandalized by a group of people that have been stalking me. A few days before they first hit my car. I increased my insurance because these criminals followed me to the store when I was driving someone else's car, and they got inside of it and caused damage. A few days later, around the Thanksgiving holiday, I was in bed sick because I had been attacked and hit in the head, and the criminals came back and vandalized my car. I reported the crime to the police, and when I called Geico to ask when they were going to fix my car, I was told by Neila Haun that she called the police on me and was going to have me arrested. My car was vandalized around November 21 - 24, 2007. Like I said, I am not sure of the date because I was suffering from a head injury. However, I have been without my car for a very long time and I need to get my transportation back.

I have lost my job and had to drop out of college because of Geico. I was in medical school and this is really hurting my career. My family is very upset and Geico will not repair my car or call me back.

Melody of Santa Monica CA (03/27/08)
On 9/26/2007 my children and I were hit by a drunk driver at 11:15 in the morning who was insured by Geico. She was driving her own 7 yr old child and I was placing one of my 1 year old twins in his carseat. My car was parked in front of my house. My child was given a concussion and suffered seizures for several months. The other baby was hit with flying car debris as he waited on the sidewalk to be placed in his carseat. My car and that of the Geico client were totaled. The driver was arrested and sentenced on 2-15-2008 to DUI causing injury.

I was told by Geico rep. Bethany Gipp to have my insurance pay for things and they would reimburse them. We have paid several thousands of dollars in out of pocket expenses for medical expenses, car seats, strollers, rental car, and deductibles. Not to mention the cost of replacing our car that was only 5 months old when hit. We we offered $5000 for our child and told to sue if we wanted more. My child had seizures for several months! This has put our family in a horrible financial situation and emotionally wrecked me as a mother when I was put in the situation of trying to save both of my children during this horrible incident. Isn't there some sort of law about this sort of thing? When an insurance company accepts liability isn't there some sort of time frame they have to follow to reimburse someone for the costs they have incurred?

Catherine of Virginia Beach VA (03/17/08)
I'm a victim of discrimination based on hearing disability. I will be filing a complaint with DOJ, as this is a violation of Title III of ADA. Customer Service treatment has been beyond horrible. Verbal recognition as to why this is was given on Friday, March 14th by Geico rep.... Geico doesn't like RELAY which justifies their inappropriate and demeaning customer service to me.

Violation of the LAW. Discrimination.

Shawna of Mckinney TX (03/05/08)
We had a huge hail storm early one morning and my car received quite a bit of damage, I didn't file a claim right away. Three weeks later when I called to file so I could get my car fixed, the rep told me I had waited too long to file the claim and they wouldn't pay it. I was on the phone for over two hours and got nowhere. Needless to say, we will be changing insurance companies.

V of Columbus OH (03/04/08)
My car was totaled in Ohio, on October 10, 2007. Because the driver left the scene of the accident, I was advised by the police department, the incident would be classified as a Hit and Skip and be investigated. I was later contacted again by a police officer, who advised the person who totaled my car had been located. They provided her name and insurer which was Geico. I made a claim to Geico for the damage to my vehicle. I was advised the person who totaled my car reported her car stolen on the same day my car was hit. Fortunately for her, her car was found and Geico repaired her car.

Geico had taken so long following up with me about my claim, I had to get my parents involved. Only to be advised Geico had no intent of replacing my car. Stating the car must have been hit by the person who stole the car that same day and drove off in the damaged stolen vehicle. They would not provide a copy of their client's stolen vehicle police report or report number to me. Geico would not give proof of what time the vehicle was reported stolen in relation to the time of my police accident report. Nor would they provide the date the car was recovered and repaired. My parent told Ms. Shane her client could have known to report the car stolen, because of hitting my car. Ms. Shane advised my parent, she would be surprised to know how many car thieves total cars and leave the scene of the accident. Only to have the damaged vehicle be recovered and returned to the owner for Geico's repair.

I have a baby, I work two jobs. I took the bus while the police were trying to locate the person who totaled my car. My parents had to purchase a lesser vehicle because my baby got sick, from us waiting in the snow for the bus. The engine went out on the car they bought me today. I don't have money to fix it so my parent called Geico to ask why they had never responded to my claim. The claim was escalated to Mr. Allman, who escalated it even further because of Geico's delay in responding Ms. Shane in Georgia, called my parent and advised she was denying my claim and would not be providing proof of justification. I have lost my car, and I may now have to quit one of my jobs. I feel Geico, is making up an excuse not to honor my claim.

Karin of Clute TX (03/04/08)
I have had gieco for over 4 years as my car insurance. I usually paid by bank card, and when I paid my money order, I called and gave the MO number. The 1 month I paid MO that I didn't call the number in, low and behold they never got a payment and canceled my policy. I got nothing saying it was canceled until 2 weeks after it canceled. Then to reinstate they wanted 4 times as much as they said I owed. This place is a rip off, I will never do business with them again.

I was injured and they canceled my insurance, now I can't go to the doctor, get my kids to and from school and they took $45.00 of my money saying they never got it.

Michelle of Virginia Beach VA (02/28/08)
On November 21st I was rear ended by a GEICO customer. In this collision I was injured and had to be transported to an emergency room for neck and back pain, granted the impact wasn't at a high rate of speed, I still sustained injury. While I Was still on the back board in the ER a GEICO rep was already calling my house and harassing my family. During the time since then I have been in contact with the claims rep by the name of Ryan in the Richmond office and he informed me that all medical expenses would be taken care of.

Over the past 3 months I have now received a total of 6 bills from the Hospital that I was transported to because GEICO still have not paid the bill. The statement that was put to me by Ryan was I don't see how you were injured like this because it was a low impact collision. Ryan still hasn't been able to provide any documentation on his medical certification and was extremely condescending with his statement. To this day this issue of the medical bills and physical therapy still has not been resolved due to the process and games that GEICO has been putting me through.

Due to this accident I wasn't able to start my new job and I have lost the position. I have also not been able to find a new job due to my doctors not releasing me for work, and have been unable to pay my bills

Cassie of Clinton Township MI (02/28/08)
Basically, my car was hit while it was parked.  The person who hit the car hit several other cars.  Geico states that they want me to pay a $500 deductible and they won't go after the people who hit our cars.  They keep giving us the runaround and I'm sick of it. All I want is my car to be fixed.

Michelle of Kansas City MO (02/27/08)
On Jan. 24, we were rear-ended by a Geico customer who was overly apologetic and admitted to complete fault. He then told the police a car had cut him off and forced him into our lane, although the only other car in that lane around the time of the accident was right behind him. Obviously he'd been cutting back in front of that car; then again, he was on the cell phone when my husband got to his car to try to keep him from leaving the scene any further than he already had. We couldn't get medical care until 12:30 the next day since we couldn't get a rental car until then because of Geico changing their story, and we weren't willing to go to the incredibly slow emergency rooms here.

The other guy's agent even had the nerve to suggest that we pay our deductible and put it on our insurance, to which we said You are our insurance too, and the accident wasn't our fault! About 3 weeks later, an appraiser showed up to undervalue my car at trade-in value by comparing it to completely different models. He did not even measure tire tread depths before judging even a 24-day-old tire 40-60%, which I felt was trying to make us look bad in the accident - then again, we were able to stop for traffic and were completely stopped for over 5 seconds before being hit by a car 11 years newer. Finally, just over a month later, they increased their offer to only $1,100 below book value with no compensation for storage and upgrades we paid for the day before we got hit. We don't yet know how they'll handle all our medical bills, but we have an attorney to handle that part, and they'll only take a percentage of any settlement we get.

I had to quit my job because of visual disturbances, finger numbness, and inability to drive because of anxiety due to the accident. Our car was totaled but still sits blocking our driveway after over a month. Had to pay out-of-pocket over $200 for rental cars. Had to buy another car and put everything on credit cards while waiting on Geico to pay property damage.

Roland of Biddeford ME (02/20/08)
My vehicle was stolen on 12/09/2007. Geico started to issue a check and stopped payment. I have supplied all the police reports and filled out the forms requested. I had to pay out of pocket for a rental car, They owe me $5000.00. I haven't received a penny.

I have suffered late charges, returned check fees, and loss of a vehicle.

Ryan of Gainesville FL (02/20/08)
I was rear ended by a GEICO insurance holder and consequently had my bumper damaged. I dropped my car off for repairs on Tuesday 1/29/08 and was scheduled to pick it up, repaired, the following day. I left the collision shop that day and got a rental car. The collision shop (not the one recommended by GEICO) called me that morning (only hours later) to notify me that the estimate of damage was not complete. They contacted the GEICO adjuster that morning and requested a supplement to the claim. They documented this, took photos and continued the repairs. The adjuster, Thomas Belcher, did not return to the body shop until 3 full days later on Friday afternoon at 3:20 pm to submit the supplement. By this time my car was fully repaired; however, they could not release it to me until the supplement was filed, and they could not tell me when this would be done because they did not know when the adjuster would show up. The collision shop called me by 3:30 pm that Friday, as soon the supplement was completed, to let me know my car was ready.

I, like most everybody else, have a job and was unable to pick up my car by 5:30 that afternoon, given that I had only 2 hours notice and did not even know what day my car would be released to me; and of course, the collision shop was not open on the weekend. I returned my rental car and picked up my repaired car first thing Monday morning. However, GEICO has refused to extend the contract on my rental car. They said since the car was ready on Friday (regardless if it was 3:30 pm and their adjuster holding up the car) that I am responsible for paying for the rental car the additional two days (Saturday and Sunday)!

GEICO is making me pay for 2 days of the car rental ~$60. Worse however, is their total disregard for service and accountability. The adjuster NEVER answers his phone and is the sole reason my car took 4 days to repair instead of 2. I pointed this out to several GEICO representatives as well as the supervisor to the adjuster. His supervisor did answer his phone at least, but would not listen to me for 2 minutes, and only wanted to point the finger of blame on myself and the collision shop for not informing me in a timely manner of the status of my repairs. (This was completely false, as they did inform me, but they just did not know when the GEICO adjuster would finally decide to show up.) The rental car I was given smelled like an ash tray and was not even remotely comparable to my own car. I would not have had that thing 5 minutes longer than I needed to, yet the adjuster and his supervisor were treating me as if I had done something wrong and that I was looking for something for free.

Cynthia of Cleveland, TX (02/19/08)
My husband has had Geico for several years and I was added to the policy with my vehicle in June 07. We have been paying $189 per month for the last 8 months. Our policy renewed and we receive our new policy information and bill. They now say we have to pay $490 per month, because his truck was hit in a parking lot in 2003. That bumped us from Preferred status to Standard.

Even though we have paid our payments on time every month and we haven't had an accident.

They also said the Texas minimum requirements for bodily injury and unisured motorist bodily injury went up.

$189 to 490 a month - you do the math. We can't afford that!

Dean of Newark NJ (02/17/08)
I was rear ended while stopped at red light by a vehicle insured by Geico. The driver was a friend/girlfriend of the owner. I called the police; they came and did a report. The owner of other vehicle showed up at the scene while the police were there. He never said this driver had no permission to use the car. Geico however DENIED the claim 2 1/2 months later due to non-permissive use. The car was not reported stolen, and the owner never told the police at scene that the driver didn't have permission. This is obviously a tactic used by Geico to get away without paying. Geico said they investigated but only spoke to their insured, the driver, and the driver's mother. How the driver's mother would know, unless the owner was acquainted with the driver, is beyond me. Geico never spoke to me or the police on the scene. This is a complete scam to avoid paying a LEGITIMATE claim.

My vehicle was totaled, due to being older. My vehicle has significant damage, $2,975, according to Geico shop estimate. I lost 12 hours from work due to emergency room visit after accident, and one follow-up doctor's appointment.

Diego of Brooklyn NY (02/17/08)
I sent a payment through the mail for my car insurance for $166.10 to Geico on Monday, January 14, by mail. Two weeks later I realized through my bank statement that the payment was not charged, and I called Geico to find out if they received my payment. The agent who took my call assured me that they did not receive my check. I agreed to pay them with my credit card in that moment; that was on February 2nd. They assured me that I was not going to have any extra charges of any type for this transaction, if I stopped the payment of the check. On February 16th, I received a bill showing that even though I already made the payment with my credit card, they did received my check and tried to cash it on February 6. They knew I was going to stop the check, because the payment was already made, and the representative agreed on that. They are charging me $20.00 because they were unable to charge me an extra $166.10.

I called to ask why they were charging me, and they accused me of not having funds. I stopped the payment of the check because I thought that it was lost, not because of lack of funds. Furthermore, the representative who I spoke to (Agent Jaquelin ID #u78acq) told me that even thought they misinformed me, I had to pay $20.00 for their mistake.

They want me to pay $20.00 for a mistake they did.

Russell of Franklin LA (02/09/08)
I filled out a quote form online; at this time they returned several quotes to me. None were a good deal for the low coverage they offered, so I simply closed the web page. Then a week latter I get an e-mail saying that they ran a credit check on me. I would not have given my information if I had known this was what was intended. I was not going to make a loan; I was checking prices on car insurance.

I do not think I will ever be comfortable searching the web again Geico is a reputable (?) insurance company, and they basically electronically raped me, violated my privacy in a way that I don't think I will ever recover. Really can't I just say no? I choose not to accept their offer and "no means no"? If this makes everyone laugh, I am very sad because I was abused and left frustrated; and it was wrong of Geico to use me like that.

Kirk of North Port FL (02/08/08)
I am a collision tech in Florida at a Geico shop. Geico is almost always there to write estimates for their customers who have a collision.They want the repairs done in half the time it should take (think you're going to get quality repair).Geico wants to put after market (junk) parts even on a new car that will void the warranty.Their writers don't have any idea how to repair a car the right way, and they pay techs very little to fix them.

Geico only wants to keep from paying out.They will cheat anyone for $$.

Ken of Crowley LA (02/08/08)
I was recently traveling over the causeway bridge between New Orleans and Mandeveille, LA. A piece of bed railing fell off of a vehicle driven by a Geico insuree. My left front tire was destroyed. The bridge police made an accident report, and the driver of the vehicle was cited. I had to have the tire replaced. A local Firestone dealer could not find a direct replacement for the tire, and I had to buy a substitute tire. My vehicle is a new Dodge Caravan and under 500 miles on it. It took over 4 hours to replace the tire, and over 1 hour to wait for the police to complete their report, etc. Afterwards I had to drive 50 miles to meet with an adjuster to be compensated for my tire. Geico refused to compensate me for my 5 hours of inconvenience while waiting for the tire replacement, and having to drive 50 miles to meet with the adjuster. I feel that Geico owes me for my lost time.

Kristen of Brooklyn NY (02/04/08)
I called Geico to get a quote for car insurance about 2 weeks ago. The salesperson I dealt with told me that he was unable to give me a quote at this time. It seems that my social security number was already in their system. Brian claimed that I was a victim of identity theft. Geico actually insured this person with all my information. I said that was impossible, for I never had insurance under Geico before. Brian said he will call me back and keep me posted. He never did. No one is helping me or returning my calls. I ran my credit report, which lowered my score; I stopped credits cards. I have been emotionally distressed. They scared me terribly, and I don't know what the status is of this identity theft. I don't know what to do next.

Tara of Sioux Falls SD (02/02/08)
We received our insurance bill as we have for over a year; then they sent us a bill for more money. When we questioned it ,they claimed it was due to our location change. I complained that they had already processed our check for the agreed time frame to cover our auto insurance for our location, that they sent the bill to our house, and that the agreement could not be changed since they had cashed our check.

Potential damages are pending the outcome of the dispute.

Wendy of Weston WV (01/25/08)
New Year's 2005 I swerved to miss a deer and rolled end-over-end down a hill about 5 or 6 time in a 2003 Subaru Baja.

Amazingly, the car did not look too bad, no broken windows or lights, but of course the body/frame was bent pretty badly. Geico would not total it and had it fixed. They said if it had a few more thousand dollars in damage, it would have been totaled.

Also, when I picked up the car from the body shop and gave him the insurance check, he mentiond that he had some additional charges to claim that Geico was already aware of. I always suspected that Geico had some kind of deal with the body shops so they would not total as many vehicles. Even the tow truck driver said he thought it should be totaled. Subaru covered an engine problem under warranty, but the rest was fixed by a body shop. This took about 6 weeks. There was still a dent in 1 door and the car never was right. It wore one of the rear tires so badly, it looked like ran the edge on something and ripped an 2-inch groove on the inside tread.

When Subarau fixed the motor, they neglected to put a bolt in the starter and it fell off. When the weater turned cold, the body must have twisted back where they had straightened the frame because whenever your would turn a corner or in a curve or hit a bump, the overhead light would come on and the passenger rear door indicator would say it was ajar.

I comlpained to Geico who told me they expected to have further problems with such a large job and to take it back to the body shop. They looked at it, but could find nothing wrong, but said they would fix the dent in the door if I brought it back again. I was paying $500 a month for a car that spent more time in the body shop than on the road and I felt was unsafe for my toddler to even ride in, so I called the finance company and had them repossess the vehicle, which of course completely ruined my credit. Since then I have driven cars that I can pay cash for because I could not get a loan. I am trying to buy a car now, but it is still hard for me to get a loan and the interest rate is going to be very high. And like everyone else, they raised my rates a lot, so I changed insurance companies when I bought my next car. Although, the repo and bad credit still effect my insurance rates and they are almost as much per month as my car payment.

William of Secane PA (01/23/08)
I filled out the online quote request form, filling out all subject lines except for my social security number. I'm not even sure my current insurance provider, State Farm, has my ssn. I could be wrong, but I decided not to fill in that part of the form. Two days after my online quote, I got and email from GEICO and they did a credit check on me. Nowhere that I saw, did they say they were going to do that, and nowhere on their site did I give my consent for a credit check. Are they allowed to do this? I don't think they should be allowed to look into my credit history without my permission, much less without my knowledge.

It is my understanding that any inquiry into one's credit history lowers your credit score, if this is in fact correct, then my credit score was lowered simply by shopping for cheaper auto insurance. This is wrong.

Mary of Tampa FL (01/22/08)
Maybe you can help guide me in the right direction about this matter. I was recently in a car accident and filed a claim with my insurance company. The other driver had hit me. I still continued to file a claim even though I was not at fault. My husband and I have car insurance though GEICO. I believe, what is being displayed on this company's commercial is false advertising. They have not done ANYTHING to accommodate the paying customer(s). Communication with this company has been EXTREMELY APPALLING. My husband or I have had to initiate EVERY phone call regarding this matter. NOT ONCE has GEICO contacted me or my husband to resolve this issue. I am ashamed that a insurance company operates in such a manner.

Every conversation with we have had with each of their employees has been scripted and we were transferred to so many different people within that phone call, that it appeared that there was conflicting information they were presenting. I would just like to have my car fixed because of the damages the other driver had caused. It has been a complete burden to have to deal with this company. I would REALLY appreciate it if you could direct me to someone who would be able to assist me with this situation. I am also going to be contacting the Governor about this concern.

Susan of Frenchtown NJ (01/21/08)
We had switched to Geico in early 2006. The rates were very low in comparison to other companies writing in NJ. However, forget it if you have an accident! My son was ticketed for careless driving in Aug.'07 as he came off a highway and rear-ended another vehicle who suddenly stopped. No one was injured and the damage was only to my son's car. Geico did pay out the claim after a couple of months of haggling. However, upon renewal last week for our next policy period, OUR RATES WENT UP 200%! ($1,077 vs. $383) Although we had made every payment on time, the customer service reps were essentially unfriendly and unwilling to hear our story. They had also charged us for one insurance point for an incident in 2005 where I was struck, the other party admitted total fault, no ticket to me, which also increased our rate! The customer service people basically told me to take the new policy premium or leave it. - which we did. We found that Progressive was very willing to work with us. Hopefully this won't be a nasty scenario should anyone in my family have a repeat experience. Geico offers low rates but if they have to pay a claim...watch out!

We were under a great deal of stress as to how we were going to pay a monthly premium of $1,077 (earlier had been $383) and I lost much time at work researching alternative coverage.

Jay of Takoma Park MD (01/20/08)
I've been with Geico as an automobile insurance holder for about 20 years. I had no claims for 46 months when in early November I bumped into the rear of an Escalade and asked Geico to handle the damge. In December, Geico infomed me they were raising my premium by $480 per year for the next three years. They informed me this raise resulted from their having to pay $860 to repair the rear bumper of the auto I bumped into. So the net result is I will have to pay more than $1300 over the next three years for a small incident in which Geico had to pay out less than $850. This is an unconscionable move by them since they said any accident they pay for will result in one point on my record with them for three years, even though I had no points for almost 4 years

I must pay out an additional $1300 to retain my insurance coverage and I am retired so my income is limited.

Judy of Tarpon Springs FL (01/04/08)
I have an existing policy. I went online and entered my daughter's info for a quote only. They automatically added her to my policy and my premium went up 220 dollars a month. I emailed them asking them to take her off of the policy, I only wanted a quote. Shelly responded to my email telling me we would be eligible for a discount and to fax the info. No mention about what my email said about it being a quote.

I will not be able to pay the premium. I feel they bamboozled us by adding her without authorization.

T. of San Luis Obispo, CA (12/26/07)
On two occasions, I was rear ended by other drivers. In each case, the other driver was found to be at fault. But also, in each case, Geico did very little to help me. They seem to take a very hands-off approach to claims handling. I ended up having to do pretty much all the leg-work in getting my claim taken care of. It took FIVE phone calls to Geico to get them to transfer the claim to the other party's policy.

After the second accident, they totaled my car but took three weeks to get around to paying me (in spite of telling me they'd overnight the check they were going to send me).

Geico is very happy to take your money, but does very little for their customers if a claim needs to be filed.  So, in spite of all their cutesy advertising, underneath it all, they are just out for themselves and don't care about their customers or policy holders.

Karen of Tampa FL (12/19/07)
I became a new policy holder with Geico Insurance (vehicle) on 10-30-07. I requested comp/collision (full coverage) due to car is financed. I paid the down payment and was sent documents as to what I requested in my policy along with the insurance ID cards.Three weeks later my car was in a bad accident. I called to file a claim and was told by the claim adjuster and customer service rep that I do not have comp/collision due to no car inspections. I was outraged; here I have damages on a 2003 Infiniti g35 and was not notified that the car I drive my kids in, is not covered. I never received any paperwork or notification through email alerts or customer service that an inspection was needed. The other motorist, does not have insurance. (We live in a no fault state.) The airbags deployed; the car is in bad condition.

Geico said they will have to investigate; its been 3 weeks and no response from Geico . I have called them numerous time, always the same answer: the management dept. is backlogged; and no response on action. I am driving around in a car that is very dangerous. Geico knows this and never offered a rental car. I am still obligated to pay my premium, I don't have money to pay for a lawyer for assistance, and car payments are still due . I am a single parent who is desperately needing some assistance. Geico is trying desperately to hide, not fix the problem, and taking my money without fixing this problem. I found another person who is going through the same issue with Geico. 

Richard of Canoga Park CA (12/18/07)
In February of 2007, I moved to Hawaii and signed a 6 month insurance policy with Geico. In August, a month before my policy was to expire, I moved back to California. In moving, I informed Geico of my new address. They sent me a quote (via email) of over $5000 for a new 6 month policy that had been drawn up after my address change. With that ridiculous quote, I decided not to renew at the end of my policy. In the contract guidelines between the Geico and the consumers, it states that there are certain instances where Geico will cancel your policy for you, two of which are if the consumer does not agree with the new policy terms or if no payment is sent. Knowing this I did not send in any payment.

I went for a week or so without insurance looking for a decent price, which was not hard to find. Within that week, Geico sent me a letter saying that if no payment is received by October 5, then I will no longer be insured. Relieved, that I wasn't uninsured, I continued looking and at the end of the month signed a new policy with Progressive Insurance on a 6 month premium of about $1200. Mid October I get another letter from Geico saying that even though my policy was cancelled I still owe $800 for being insured in Sept under the new policy. I called Geico expressing that I should not have to pay the $800 because, not only did their letters not advise me that I will be charged for that month, but that I was being charged for a policy that I never agreed to renew. According to their contracts, I rightfully cancelled my insurance and should not be getting charged anything. However a Geico supervisor informed me that the reason why I'm being charged the $800 is because I changed my address with them, and they interpret a change of address as accepting a new 6 month insurance policy with them. I told them that was ridiculous! I changed my address and they take that as a signature for a policy that hasn't even been drawn up yet. I understand that they would raise my rates for that change of address, but not by that much. They claim that they are following all aspects of the law, which is why the premium is so high, when every other company offered premiums for a fraction of that. They continue to send me collection letters mentioning the importance of good credit. Are they right in what they are doing?

No consequence has occured yet. But I dont want to wait and let this company wrongfully destroy my credit.

Mark of Rochester NY (12/10/07)
I was in an accident in Feb.of 2007. At first Geico was doing right or at least that's what I thought. Then I started to get medical bills that they refused to pay. Right after the accident something in the discs in my neck showed up, but I had very bad low back pain and other things wrong with my right side.  Geico kept sending me to their doctors who would say there is nothing wrong and to go back to work; they would spend a minute or two to make their diagnoses.  I have other doctors now, treating me, and they say something is wrong but are still trying to find out what.  An EMG shows nerve damage, and a second MRI shows a fracture, and now I'm to take a second EMG.

Geico needs to wake up; I was not at fault in the hit-and-run, and the guy was caught.  I did not ask for this to happen to me.  My policy covers my lost wages and medical bills that Geico is refusing to pay.  I am thinking of taking other actions against them and their quack doctors.  I'm trying to get better myself so I can get back to work if I can, but Geico is tying my hands.  Something has to be done about these insurance companies and their so-called doctors they pay to make sure you do not collect from your policy.

My medical bills are still climbing, and even though my credit was good I was working on it, and now I'm about to lose my car because of Geico's refusing to pay my medical costs and lost wages.

Precious of Merced CA (12/04/07)
I currently have a claim with GEICO for my 95 Chevy stolen 11/16/07. The car was recovered the very next but not in running condition. It has now been 2 1/2 weeks and nothing has been done. I gave a statement to the adjuster and then to a special investigator. Still waiting. It is amazing how long you have to wait for a claim to be handled but GEICO won't wait on your payment because they will cancel you. So I am in a rental I may have to pay for and my car still hasn't been seen at a bodyshop. Believe me if I was out to get the little money my car is worth it wouldn't have been found the next day.

Raul of Centennial CO (11/20/07)
GEICO suddenly canceled my policy due to my truck having come from the factory with a turbo installed. I've had a previous truck insured through GEICO that had a factory turbo diesel; but now, out of the blue, GEICO will not insure my truck. That means, anyone with a factory installed, turbo equipped car or truck is subject to sudden policy cancellation.

The canceled policy forces me to find alternate insurance: initial fees and costs, plus time and loss of use of the truck for the time to find alternate insurance.

Lori of Nazareth PA (10/24/07)
Geico's client totaled my car because he was driving too fast. The adjuster took a long time to come; they would not pay for storage or towing. I couldn't afford to store the car so sold it to the tow yard. Geico says they can't pay because I moved the car. I have a letter that says to move the car. Geico would not give me what my car was really worth. Then they gave me a handwritten check that no bank, including the one its drawn on, will cash because Geico says it has to have a hold on it until further notice. I have been without a vehicle for over 7 weeks and am so frustrated by the way I was treated. They would not communicate with my insurance company. They kept saying they never got any correspondence from me even though it was sent return receipt certified, registered mail. According to Geico, the person who signed for the letters doesn't work there. Geico needs to spend less money on commercials and learn how to help the people who were not at fault in an accident.

Suzann of Wvc UT (10/22/07)
GEICo is wonderful until you file a claim....then they jack up the cost of the insurance so high that no one could afford it. They won't cancel you, but they clearly tell you to get lost by the obscene cost to do business with them further.

I just found another agency and I try to keep GEICO's mass mailings to me to post up where I can with notations on it about what a rip-off they are.

Kd of Boulder CO (10/20/07)
I've had Geico insurance for over 7 years. I have never made a claim. I drive less than 3000 miles a year. I recently moved ten miles, and Geico increased my insurance cost $240 a year. It now costs me over .50 cents a mile to drive just in insurance cost. Geico overcharges and doesn't care about it's customers.

Sandra of Reading PA (10/02/07)
I'm President of a 70 year old independent insurance agency. Curious if GEICO reps understand insurance & the need for PROPER protection, I called for quote. I was mislead and deceived. I was given a quote for 1/3rd of the coverage I require. Phone rep asked no questions about my insurance needs & was unfamiliar with coverage options. Although pleasant and polite, he offered no advice, no needs analysis, gave me a price, asked me to pay. When I asked about additional coverage that I already have and NEED with Travelers, GEICO rep was completely unknowledgeable.

Offered MUCH LESS coverage, offered NO professional advice. I had to ask all the questions. GEICO was ignorant of insurance options, unethically tried to entice me to purchase a substandard limited coverage policy, claiming they would save me money. Sure they could- as long as they reduced my coverage by 75%.

Unable to offer my required coverage. I had to insist that I needed more coverage, GEICO was unable to offer similar coverage. Even at 25% of the coverage I require, their price was triple my current rate. If I conducted business using GEICO's tactics, my small business would be reprimanded, disciplined and fined by the insurance department.

GEICO sales reps are uneducated about insurance, unprofessional, unethical and are an insult to professional independent insurance agents worldwide. Yet they are not held to the standards of a small business, and are insulated from disciplinary action. When GEICO customers come to me for advice, they are shocked at GEICO'S lack of knowledge and GEICO's deliberate deceit to the public.

Customers switch their insurance to my professional agency each and every time. All they need to see is GEICO's declaration page and price, compared to one of my company's coverage and price.

Andre of Corfu NY (07/21/07)

I have had GEICO coverage for years. I was hit from behind in a parking lot where the woman got out and and took 100% blame, which it was. Of course that is not what she told her insurance company. I have two herniated disks in my back and one in my neck as a result of the accident, which GEICO agrees with thats how I got them. I am 25 years old. They refuse to pay any of my medical care.

They have cut me off of all my medical expenses, making me pay for all of it. Now I am up for surgery with no one to pay for it. My health insurance refuses to pay for it either because they feel GEICO should. How is that fair? I pay for something but when you need it, its not there?

As a result I have lost my job, my health insurance, and care barely pay the bills.

Pat of St.marys GA (07/12/07)

My daughter works at Geico, and for some reason her paycheck is always bouncing-or the bank won't cash it because of non-sufficient funds. I can't understand how a well known company as GEICO can let something like this happen. My child wasn't getting paid so I made her quit.

Jessica of Carrollton TX (07/08/07)

I was driving my 2001 Toyota Camry along a main route in the extensive parking lot of the shopping center my work is located in. I was halfway across an intersection going parking lot speed when this guy driving a 4 Runner hit my passenger side dead-on going-according to the witness-about 50 mph. My car was spun clockwise more than 90 degrees and I had minor to moderate injuries including whiplash/neck strain, back pain, a swollen right arm, and glass embedded all in my skin. The guy who hit me was fine.

Unfortunately for me, the guy who hit me has Geico. There was also a witness who gave his statement to both Geico and State Farm which backed up my story and what the cops said happened. The guy who hit me even remarked how he had been in four prior accidents and even one in that same parking lot. Did Geico care? Not even close.

We moved the Camry to a State Farm body shop and our field agent went out and assessed the damage on my car and declared it totaled right away saying it was about $9,000 worth of damage and the value of the Camry was $7,000...it was 93% mechanically totaled. That same day I get a call from Geico's field agent saying he went out to the wrecker company's location to assess the damage on my car but found it was no longer there and seeing as how it was Friday and too late he would have to go to the body shop and look at the Camry on Monday. I went to the body shop Monday evening to get one last thing from my car...Geico never came out.

Kat of Rockaway Park NY (07/03/07)

I came home to find a letter from the NYS Dept of Motor Vehicles that my coverage has been suspended as of 6/12/07 and the date of the letter is 6/26/07. Geico didn't post payments. It all started over a month ago, when I received a letter from Honda stating i didn't have the correct coverage on my car. Geico has been giving me the wrong coverage since February, even though I was specific on stating that my car was a lease, not a finance.

I spoke with Bonnie on May 24th, 07 and she repeatedly apologized for their mishap. I also made a payment with her in that same conversation for June. She even stated that the automated payment system was acting up and she would personally take my payment, which she did. She even said if you get a cancellation notice in the mail, disregard it.

I tried to re-instate my policy and now Tiffany from Geico gave me a quote of $1770.80 for 6 months, then when I wanted to speak to a supervisor, I spoke to Karen and she gave me a quote of $2,026.00 for 6 months. It\'s amazing that with in 10 minutes, the price jumped almost $300.00. 

 

Debra of Sylmar CA (06/22/07)

My 2001 Nissan Sentra was stolen, but recovered. The car was stripped of all four tires and all four arceo star rims worth over $600.00, a $700.00 stereo system and the front and rear bumper. There were also other cosmetic damages.

The insurance company refuses to replace the wheels, tires and stereo system with the same quality equipment that was stolen. They also refused to honor my request for the use of Nissan parts and are using refurbished parts from a different manufacturer. They have allowed $1,800 for replacing the above parts, body labor, paint labor, mechanical labor and paint supplies. The repair facility says a bumper alone cost about $1,000.

Darlene of Gainesville GA (06/18/07)

My husband, daughter and I was in an accident on Dec 24, 2006 which the Geico insured person was charged with fault of the accident. They made an offer of only $1,500. (My chiropractor visits were approx $1,000. I requested to speak to her supervisor who offered a little more (only $2,100) and she said if I thought it was worth more, then she would have her boss call me. I have put in several calls again and again and Patty has not returned my calls.

Kristen of Peoria IL (06/14/07)

On March 9, 2007, I went online to request a free quote through Geico. I tried to direct pay through my bank, but the money didn't go through. I then talked to Geico representative about 5 days later when I found out that it didn't go through, after they stated it did and then they tried to say that I owed money from a previous claim over a year ago. I didn't renew that previous policy and got them to clear that one up. I cancelled the current 5 day old policy and they still sent me a statement.

I again called and they finally cancelled the request for the policy. 3 months later, I have received a credit collections statement, stating that I owe Geico $36.16 for being covered by Geico for the month of March (this is because someone at Geico decided to state that I didn't cancel until the 29th of March), so now I have to pay $36.16 to their collections department in order to clear it off of my credit report. Why should I pay for coverage I never received?

Narcie of Blairsville GA (06/13/07)

I was involved in a fender bender on private property in the parking lot and a lady backed up and hit me on my right rear panel doing an estimated $1717 in damages. I have a police report and in the report the lady stated that she did not see me and that she did hit me. Geico is unwilling to help fix my car and they are saying that it was 50/50.

Chris of Antioch CA (06/07/07)

A couple of kids jumped in front of a car I borrowed from a friend, My girl friend was behind me in our vehicle. She rear ended me in the truck I borrowed. I was told by Geico, no problem we will cover the loss of the borrowed vehicle. I was told this four days in a row. On the fifth day I was told the claim was denied because of a clause in our policy. I still haven't seen this clause.

We are now being sued by the other insurance company because of the matter stating we didn't have insurance. We have had geico for years and have been paying every bill on time with no question. When we finally needed them then turned there back on us and stuck us with the bill.

Tawana of Spring Valley CA (06/03/07)

My husband and I have been insured with GEICO for 10 years. We have not filed a claim nor have we had any accidents. Recently, my husband was on travel in Virginia and was cited for speeding. I was outraged to find that GEICO would not even give forgiveness for one ticket with 10 years of good driving. Our rates were immediately raised $200.00 dollars.

Bill of Naugatuck CT (05/27/07)

I have had GEICO auto insurance since 2003. For most of that time, I had them automatically deduct payments from my checking account. On Friday, May 25th, 2007, they made multiple withdrawals from my account, two went through and were processed by the credit union. The customer service agent said 'This was a problem with the Federal Reserve and not GEICO's problem. After explaining to her how it showed on their website that they made the over-withdrawals, she kept me on hold intermittently coming back on to tell me it will just be a few more minutes, FOR TWO STRAIGHT HOURS.

I told him I needed the money in my account which they accidentally took out, that night, being a holiday weekend. He told me he couldn't do that. I tried to express the fact that when their customers are late on a payment, they expect them to use Western Union to wire the money to them, so why can't GEICO, after making an honest mistake, do the same?

Royal of Los Angeles CA (05/24/07)

I had a car accident on 4/28/07 in Beverly Hills California. A Honda Civic pulled in front of me as I drove down the street and t-boned it in my Porsche Boxster. Even though it was obviously his fault (the police report even said so) he denied responsibility so his insurance company (USAA) told me I would either have to go through my insurance (Geico) or wait the 1-2 months for the investigation to complete. Of course I chose the latter.

I bought the car 5 months ago for $34,000 and added a $7,000 bodykit and had Geico insure my aftermarket items (they charged me for it). The Geico adjuster offered me $31,000. When I challenged the adjuster's offer, he told me that the bodykit only offered a $850 increase in the resell value. He simply could not understand that I didn't insure my car for resell, but REPLACEMENT in case of an accident, which I thought was the purpose of car insurance in the first place.

Luckily for me it only took 24 hours for them to correct the amount I was owed, $39k. I was told I needed to contact Geico in Georgia to receive my check. They told me that since I was in a rush and I owned the Boxster I could simply go to my adjuster and exchange my car's title for the check. I called Jason and he said he didn't have checks. Geico Georgia told me that I could overnight my title to them and have a check overnighted back. I paid the $20 and overnighted my title to Geico Georgia.

I called Geico to make sure they were sending me my check, and the girl told me that they were sending me a check for $31,000! The woman came back online after 5 minutes and told me that they were sending me out a check today, and that they would call me back soon with a tracking number. I waited an hour then called them back. She said they didn't have checks and that someone was looking for some. They undervalued my car by $10k, been a month and still no check!

Lauren of Bellevue WA (05/21/07)

Geico will not process my claim, they say I must go through my own insurance company. Geico client at fault. Geico client has $10K in property damage insurance which should cover my claim.

Denise of Dayville CT (05/04/07)
In December, my husband was in an accident and his pick-up truck was badly damaged. He was in Mass so Geico sent an adjuster to look at the vehicle and the adjuster said not too bad, so we had the vehicle towed to a GMC dealer in NH. Note the GMC dealer was a Geico preferred repair shop.

The GMC dealer refused to fix the vehicle saying it was a total loss. Geico on the other hand said it's not a total loss. We had rental, but that is long since gone. We paid 2000 dollars for a cheap vehicle just to get to work and back in the meantime.

Geico found us another shop to fix the car and we finally got it back last month. However, it is horrible. The seatbelts don't work. The doors don't close right and it looks like a crab driving sideways down the road. According to a third party that we had evaluate the car, it wouldn't even pass inspection in most states. It was a brand new truck only a couple of months old now we have to get rid of it and find some way to pay for it.

Eunice of Orlando FL (03/09/07)

Geico has an internet payment system which I have used before without a problem. However on my last payment I had to use my fiancés bank account to make my payment. I entered his banking information into the system, and thought that was the end of that then MY bank account became overdraw $240.00. I called Geico to find out why they took the money out of my account instead of the account which I designated.

They state they do show his name but not the account number, stating that I entered the same account #. That’s impossible because just like most people I do not know my bank account info by heart, but had to read my fiancés account number off of a check to enter it into the system.

So, the end result is that Geico had a computer error and I'm the one who has to pay the price. My consequences are $170.00 worth of overdraft fees so far that I have to pay. GEICO takes no responsibility what so ever.

Paula of Columbia MO (02/26/07)

I had accident on 2/12, as of 2/26 have not been able to have the claim closed. I have to call every 2-3 days to get extension on rental car. Have been told by two people that vehicle is a total lost, yet no official notice of such, therefore no payment. Very frustrating. Twice I have been told they would return my call by shortly, but didn't than of course they are out of the office.

Michele of Shakopee MN (09/02/06)
Can GEICO change my rates during an 'existing' policy time? Despite 28 years of little or no accidents, tickets, etc., the past three years have been very bad for me. I've had one accident (weather related) where my car was repaired, I've had one speeding ticket and finally I was in an accident in April where my car was totaled and I have been on disability for a broken ankle since. The last renewal statement (mine is quarterly) was to run through and include September. All of a sudden I got a notice that due to my accident, my rates would go up not only in October (my 'normal' renewal time), but I would be responsible for paying an increased automent for August (already paid for) and September would also be charged at the new rate.

My payments went from $113.64 paid in August a month to $517.50 a month due Sept. 1st. The quarterly renewal starts in October and continues with the new $517.40 a month rate. Can they do this-charge a new rate before the renewal starts? That doesn't seem right. Twenty-eight years with a company with few claims or tickets and all of a sudden, because of just a bad streak of luck-they up an change my rates in the MIDDLE of a policy quarter?

I am also having problems getting the disability they are supposed to pay and now I'm starting to wonder if they didn't undervalue my car in they payoff amount they offered. Because they are so slow in the disability payments it is negatively affecting my credit, my ability to pay bills/utilities, and raising the possibility that my mortgage company will start foreclosure proceedures. I am changing to another company that will be charting me $183.00 a month for identical coverage to what I had with GEICO, so now I'm starting to feel they have been overcharging me all along and don't trust either the payoff they've offered on my car OR the fact they are changing the amount I am to pay before the end of a policy period.

Joseph Mcdaniel of Boone NC (07/16/06)
I got my policy with geico in Jan of 06, I paid policy up for six months and thought everything was fine. In May I accidently backed into a parked car and had to file a claim to cover the damage to the other person's car but found out that Geico had canceled my policy because of an unpaid bill for $74.98. They told me that they could not find proof that I have had my drivers license for at least three years and my premium went up 74.98. I showed them that I have had my license for over 10 years and that I had never received a bill or a notice of cancellation so they fixed the charges and reinstated my policy. But they still refused to pay for the damages from the accident because the policy was canceled even tho it was their mistake! Two months later they again canceled my policy without sending me a bill or notice!

Melanie of Bonita Springs, FL (04/30/06)
I let my insurance lapse because I switched to another insurance company. Geico cancelled my policy, as they should due to non payment. They then started sending bills for policy premiums that are not due and then letters threatening to ruin my credit if I do not pay.  It has since been given to a collection agency that constantly harrases me and my family.

Jodee of New Ipswich, NH (04/01/06)
I had a tenant that was renting a room from me. I used his checking account one time to pay my insurance and without my permission they added him to my policy.  And now they won't remove him. Since when do landlords have to pay insurance for their tenants? 

They want proof of his insurance but I don't think he has any. He doesn't live here anymore, he lives in Vermont and I don't know how to get ahold of him.

My insurance premium monthly went from $108.00 to $194.00.

Tom of Huntsville, AL (02/27/06)
I have been covered by GEICO automobile insurance since 1996 and have never had an accident or filed an insurance claim in my life.

I was caught in a hail storm and after the storm passed my passenger and I inspected the car. There were dozens of chips in the paint down to the primer all over the car, with the hood suffering the most. Fortunately there did not seem to be any dents, just the chips.

I contacted GEICO and started the claims process. I was able to provide a copy of the NWS's severe thunderstorm warning and the local storm reports from emergency management offices regarding large hail.  GEICO interviewed me on the phone, and also interviewed my passenger to verify my account, then scheduled me to see an adjuster.

The adjuster looked at my car for 10 seconds and said the chips could not possibly be hail damage and the only way to repair it would be to file a separate claim for each panel of the car.  I have a $500 deductible, and the only panel that would cost more than $500 to fix would be the hood at $641.

He advised me to either drop the claim completely, or to just file a claim on the hood to save the $141.  He said I could also request a bottle of the mixed paint to manually touch-up the other panels of the car!

I find it incredible that he would just dismiss my claim immediately, even though I had weather reports, a witness to verifie the same information I told them.

I do not feel this is a problem with GEICO as a whole, only with that one adjuster I dealt with.

T. of Charlottesville, VA (02/17/06)
I asked the sales representative for an automobile quote for one vehicle. Then asked for another quote adding one more vehicle on the same policy. The second quote was needed if I purchased a new vehicle (contingent on the amount of the increased insurance) and my budget.

When I received the verbal quotation for two vehicles, I declined the coverage to include the new vehicle stating that I could not afford the premium and to just sell me the original quote for the one vehicle since my financial budget could not support two vehicles.

The sales representative stated that she was not going to sell me insurance for the one vehicle because she thought I was going to buy the second vehicle anyway!

I explained that that was not the case, but she refused to sell me the insurance in a VERY UN-PROFESSIONAL manner by implying I was not truthful.  She refused to connect me to her supervisor.

I ended the call by stating I was not satisfied with her service and that I would take the case to another level by reporting to a consumer reporting agency and sending a major complaint to Geico Executive Management. 

Chrissy Acosta of Fords NJ (02/14/06)
I called Geico 1/20/06 to get a quote to reinstate my insurance because I found out that they canceled my policy and didn't tell me about it. The quote they gave me was to high for me to pay on my own, so my mom agreed to put me on her policy.  They called my mom on a conference call because they needed permission from her to add me and my car.

Unfortunately the guy we spoke to didn't add my car, only added me as a driver.  I found this out 10 days later when I got into an accident and my lawyer needed the declaration page for my lawsuit.

I quickly added my car to the policy and called back the next day to speak to a manager.  I was transferred from person to person but never got my issue resolved.  Now I'm stuck with a broken back and car that doesn't run because GEICO made a mistake and didn't add my car.

Yongqian of Harvard, MA (01/06/06)
Today I received a 2nd letter from ACA International credit collection service, who, on behalf of Geico, continues to try to collect money from me.

I moved to MA months ago.  Since Geico has no service in MA, and my policy was expiring I notified them about the move.  They told us: "Please be advised that you will have 10 days of coverage to find insurance elsewhere. Once the 10 days passes your policy will be cancelled automatically...". 

I thought, that works for me and insured my cars with another company. Then Geico sends me a bill stating that they automatically extened my coverage for another 2 months.

I refused to pay and after several rounds of email exchanges they finally agreed that I did not owe them anything. The problem seemed solved until I received a collect notice. 

Jocelyn of Brooklyn, NY (12/11/05)
About 2-3 months ago, I called GEICO to cancel my car insurance. I informed the rep that I sold my car to my father and was shipping it to Puerto Rico via boat. 

The rep informed me that the insurance could not be cancelled until the plates were returned, but that the plates needed to be on the car until it arrived in Puerto Rico and was registered.   It took awhile to get my plates back, but I went to the NY DMV today and returned the plates. I received a green receipt in exchange. When I called Geico to ask what the next step should be, the rep told me that I did not need to keep the plates on the car until it got to Puerto Rico.

I was shocked! I explained to him that I was told by the previous rep that I had to ship the car with the plates.  I specifically asked about this several times before I sent the car!  I had to pay hundreds of dollars in insurance becasue of GEICO's mistake.

Christopher of Burtonsville, MD (09/19/05)
I have tried on several occasions to resolve a discrepancy with the rates that I have been paying to GEICO. I have been given the run around for about 8 months now.

I move to Maryland in July of 2003 from NY.  Since then, GEICO has been charging me NY rated.  I have provided so much documentation (pay stubs, proof of residency, government clearance forms, tax forms, bills, etc) and STILL nothing has been done. I sent these documentd by fax and have received documentation that it was received every time.

I am truly dissatisfied with the way GEICO does business. 

Amy of Austin, TX (09/14/05)
I contacted Geico by phone to get a home insurance estimate. I was informed by the customer service agent that Geico does not assist home owners with insurance if they have certain breeds of dogs.

My family and I have an 11-year old, extremely kind and docile, American Staffordshire Terrier - otherwise known as a pitbull. I was stunned to find out that they would not offer me home insurance based on this fact.

I find it to be extremely discriminatory and based on unfounded evidence.

Larry of St. Petersburg FL (6/29/04):
Geico used a change I made to an existing insurance policy to stack my insurance, causing an extremely high premium that I did not catch until I renewed with State Farm. Of cource geico said it was a Florida law for them to do it unless I declined to have them stack it. I never had it stacked before but it did not matter they said because I made a change and that allowed them to stack it and charge me for it. Lots of elderly people to be taken advantage of in Florida because of this law.

Alvin of Debary FL (5/17/04):
I received unsolicited advertising in the mail for Geico car insurance quote. I called the number and I gave Mr. Scott Grover information that I believed had to do with the quote. He told me he was going to do a credit report and I objected to that becuase I was going to pay cash and I was not applying for credit. I refused to do a credit report for car insurance. I never had a credit report for car insurance. I refuse to have anyone go into my credit file because that lowers my credit score and I need that to refinance a mortgage I plan in a year from now.

Mr Grover tells me the credit report was already done, systematically, well I went off -- I lost it and I demanded to speak to his supervisor, Mr. Travia. I told him my disdain for pulling credit for car insurance, I told him I never had credit pulled for insuance and was so angry that they were not in front of me. I was outraged that my credit was tampered with.

I was so upset that I could hear the blood rushing in my temples. I felt violated. Bad news for a man who had experienced a cardiac imfarction. I am trying to get my credit score higher for a planned refinance at the end of this year. I was so upset I had to take medication to calm me down.

The fact that the credit report lowers the chances of a low interest rate for the life of a home loan is a fact of life. It's absurd that I should pay a higher interest pay for the next 30 years because of s stupid insurance quote. Pulling credit is a tool to extort money from unsuspecting consumers and to discriminate by using an excuse for charging a higher insurance rate for driving a car based on a credit file. The report has nothing to do with the car insurance paid for in cash. I think by saying that a person who has bad credit is a higher insurance risk is a lot of bull.

Robert of Fresh Meadows NY (5/10/04):
I have been with GEICO Insurance for over a year now. I recently (in January) switched to GEICO Direct because it saved me $27 a payment (from $175 down to $148). But I got real customer service problems. I couldn't find my policy billing statement for the year so I needed to know when the next payment was due. They don't mail individual bills with Direct pay. When I called them around March 27 the representative tells me the bills due around May 28 and August 28. I received a "Notice of Insufficient Funds" from my bank because GEICO tried to collect a check, a virtual "ransacking" of the account, on May 3.

Wendy of Trinidad CA (4/21/04):
I was recently in an accident that was not my fault. The lady who hit me was driving her son-in-law's vehicle. I couldn't get any insurance information from her, so I had to wait for the police report (this took almost 2 weeks). I needed a vehicle to drive while my car was being repaired so I agreed to pay the $500 deductible and let Geico (my insurance) handle it. Shortly after the incident I realized that I had done some serious injury to my neck and back. I contacted Geico about this and they told me that I had no medical coverage. This surprised me as I had requested full coverage from them. They never mentioned anything to me about medical coverage or that I may need it.

Now my car is fixed, but I can't pick it up because my deductible is too high. I am a single mom who lives paycheck to paycheck and I can't come up with the $500 deductible. I can't find the woman who hit me. The insurance company for the car she was driving says they are only responsible for $5,000.00 as a permissive driver and the damage to my vehicle is $6,100 not including the rental car I am still driving and have been driving for 3 weeks. Farmers Insurance was the insurance company on the vehicle that hit me, they said they would send me a check for the deductible, but Geico has to accept their offer of $4500. Geico refuses to accept their offer until the rental car is returned and my car is picked up.

So I am in a catch 22. I can't pick up the car because I don't have $500 deductible and Geico won't let the other insurance company send me the deductible until after I pick up the car and return the rental!

Thea of Houston (2/5/04):
I called Geico and explained to them I was looking for a car insurance qoute, I wasn't under any understanding that under a qoute or and estament your getting a credit check that wasn't explained to me. So the man was asking me a bunch of personal information and I asked him why was he asking me if I was in the military etc. He said "because I am trying to get you a cheaper estimate." Never did he say I am doing a credit check. So when he gave me an estimate, I said no thank you it's just too high.

Days later I received a letter in the mail saying they did a credit check. After I told them I didn't want to buy their insurance they ran a credit check anyway, stating because of your credit we have the right not to give you insurance.

Genny of Tampa, FL (1/2/03):
On the morning of 12/19/02 at 0730 I was taking my husband to work and was stopped (not moving, brakes were on) at the end of my driveway. I looked for any cars coming down the road. Due to the neighbors bushes growing into the street from their mailboxes my view is obstructed. I have to pull out about one foot from the driveway. I saw a red vehicle, with spoked hub caps, and purple tinted windows coming flying down the road. The speed limit is 25 mph mind you. By the time I spotted him, in the count of 1, 2, 3, he hit the tip of the right rear tailight with his front right headlight, throwing the rear end of my car into and onto my mailbox and my entire rear end went flying down the road everywhere.

The other vehicle did not stop until it got to the end of the street. It never slammed on It's brakes, nor try to avoid me. It was not paying attention, it was speeding, and I'm not sure it even realized it hit me until he got to the end of the street. I got out of the car, ran into the house to get the phone, my husband was hurt and I helped him to the sofa. I ran back outside, asked the other vehicle's driver if he was ok. He said he was fine. Looked at his car, the only damage to his car was his right front headlight. I told him he should move his car over to the side of the road and I tried to contact the police. I was walking in & out of the house, shook up.

The other driver moved his car, but not to the side of the road where it had finally stopped. He moved it all the way back to the other side of where he'd first hit me, by the neighors bushes. Then he grabbed something out of his car and jogged down the road about three houses down to his house. When the police arrived, the other driver was just walking back. He had gone home (took whatever it was he had out of the car) and had changed his clothes from a stocking cap (it looked like nylon's) he was wearing on his head, sweat pants, t-shirt, into dress shoes, dress pants, ect. I explained to police. But, the police just asked for my license, then went to the other driver, and was trying to help him get back into his car. He'd locked it when he went home to change clothes.

I went back in the house to check on my husband, while the police was talking to the other driver. I heard the other driver drive away. I went back outside, and the police officer approached me with a ticket. I said I didn't do anything the other vehicle was speeding, not paying attention, and slammed into my car taking out my entire rear end. The officer agreed the man had to be going more the 25mph but could not prove it because there were not skid-marks. I said of course not, the man never stopped or tried to swerve over. I said this accident is not my fault. The police said no, but according to law because you were in the driveway you're the one ticketed. He walked away got in his car and left. He did not care to discuss it.

I called the supervisor of the police officer and explained to her the same thing, and she said there was nothing she could do. I called the insurance "GEICO" and left messages with the adjuster "Jennifer Matthew" on her voice mail that this was not my fault and I wanted an adjuster to come to my house and investigate. She never got back with me. I finally got a hold of a lady "Jamie" who took my statement and recorded it. She said they would investigate. Not more than a hour later after giving my statement, another lady (don't know her name) called back and said it would be in my best interest to allow the other driver's vehicle be repaired under my policy since he did not have that type of coverage (we both have GEICO). I said I didn't care, but the accident was not my fault and I wanted an adjuster to come out so I could go over the scene with them.

A young man from GEICO did come by, but spent maybe 15 minutes looking at the car. He said the car is totalled and they would be getting back with me. Once they determined the value they would give my a check for the car and I would sign over the title since the car is paid. Then on Monday the 30th after the weekend. I get a call from "Jennifer Matthes" this is the first time I've gotton her real person on the phone. She tells me the other vehicle was repaired and called his damages "property damages", however my car would not be paid for because my damages were called "collision" and I did not have collision coverage. I asked why are you paying for his, but not mine. She said it's your fault, so it's called collision damage. I told her it was not my fault, I never said it was my fault. This is a play on words. A cheap way out for them.

I have been a customer of GEICO since 1987. I have a safe driving record and this is the first accident I have ever gotton into and I've been driving for a good 25 years now. I have spent thousands of dollars on car insurance to them. What are they doing with all my money? But no one has bothered to investigate or compensate me. And this was not my fault. I even took pictures. I even set in my car and took pictures of cars coming down the road from where I had been stopped. And four out four cars were going slow enough 25mph and saw me and moved around me. There is no way that man was not flying down the road to total my car the way he did and any idiot would be able to see the evidence the site and determine exactly what happened.

My husband and I lost a days pay. My huband was injured (urinating blood) my car was totaled. Why have I paid thousands of dollars to an Insurance company to be treated in this manner. The other guy got away with hitting us, speeding, leaving the scene of the accident, and got his vehicle repaired.

Tracy of Clarksville TN (11/4/02):
This is more a warning than a complaint. I just felt that auto owners should realize the consequences moving will have on your insurance. This spring, my husband, who is military, was reassigned from Hawaii to Tennesee. Due to the fact that he had reenlisted in a new job, he had to spend 5 1/2 months in Texas for additional training, and my daughter and I could not accompany him. We decided to stay with my family in Michigan during this time.

Unfortunately, June was the month our car needed its registration renewed. I decided to change the registration to Michigan, which is our home of record, since I obviously was not returning to Hawaii. I had been dealing with GEICO since the purchase of our car, which was in Hawaii. I liked their payment plan, which allows you to make all payments in 4 months and have 2 months off. So, when I needed to change my registration, I naturally had to change my insurance to that state. We had been paying about $125 a month for 4 months, making our 6 month premium about $400. I found this VERY raeasonable for full coverage. Whan I called to ask what our insurance would be in Michigan, it came to almost $1500 for six months.

Aghast, I found a new insurance company. I was informed that insurance is based on risks for the state, and insurance companies have base rates for each state. I have no doubt as to the legality of this (it's amazing what insurance companies can get away with), but that doesn't make it right. I was paying more for my single car than my parents, who have 2 vehicles and two children in the house of driving age, one of them a male under 18. And I have a good driving record. Just for the short period before I found another insurance company (about a week), I owed them $185. I simply cannot comprehend the difference in rates. Michigan does experience some severe winter weather, along with the dangers of deer, but Hawaii is subject to frequent flood conditions, horrendously bad drivers (the average person drives 15 mph over the speed limit), and the occasional rockslide (one of which wiped out a section of road while we were living in the area). So for anyone thinking of moving, keep in mind that insurance in entirely state regulated, and it is legal for them to run amazingly different rates from state to state. Make sure to shop around. Quite frankly, it may be a good idea to contact your state legislatures about this. I have.

Amin of Stockbridge GA (11/1/02):
I made the "switch" to Geico last week and got my policy started on 10/30/02...on that day I also ended my policy with Progressive insurance company whom I was with for 4 years. Anyways, with my 4 years with Progressive, I never filed a claim or anything and now under my new company, Geico, I got into a fender-bender yesterday, 10/31/02 ... a day after I switched to them. As you can imagine, they are not too happy about it. So I did the claim over the phone and was instructed to take my car to the collision shop of my choice and call Geico's car rental department to arrange for my rent-a-car, which I do have coverage for.

So I did as I was told and called them after giving my car to the collision shop. When I called them, they said that now they can not give me a rental because my policy is "new". I reminded them, that a contract is a contract, they are supposed to take care of me as soon as the contract goes into affect...no waiting period or nothing. Well they did not have any sympathy for me on that. I spent one hour on the phone with them all they told me was sorry ... and on top of that they want me to prove the time and date of the incident. I was like anyone in their right mind knows that I can not get my hands on a police report for about 5 days, especially in Atlanta.

So that was another excuse they had. After speaking to my third rep at Geico, she said that not until the appraiser goes out there to the shop, I can not get a car ... so I made myself clear, that I do not have a car now and Geico must do something to take care of me. At the end, she suggested I go to Enterprise, who has an account with them and get a "cheap" car and after a settlement has been reached (when an appariser goes to see my car), then they will take over the rental reservation. They have given me such a hard time over the phone, that is no way to take care of your customers.

Shawn of Knightdale NC writes (5/17/02):
My brother-in-law and his girlfriend had recently moved in with my wife and I. As a courtesy to them to help out in their move my wife had placed a call to Geico, with which we had our 3 vehicles insured, to inquire about a quote for possibly adding them to our policy. With adding her brother we were told our monthly payment would go down some. When we inquired about his girlfriend we were told that because she was under 25 and was an inexperienced driver that our rate would increase dramatically if she was added.

This was just a quote mind you, and was not an actual policy change. The Geico customer service rep then told us that we would have to pay over $700 for next payment to add the two extra drivers and the one vehicle they own. She also told us