by CrazedEpidemic » Tue Nov 25, 2008 08:01 am
I am currently with geico and I have geico roadside assistance and mechanical breakdown w/ a $250 deductible. If I use these services will my rates have a possibility of increasing. I spoke with someone from geico but he didnt seem to know, he just told me any claim can affect my premium.
Posted: Tue Nov 25, 2008 09:22 am Post Subject:
The use of the mechanical breakdown claim might not alter the rates, though too much use of any coverage can trigger a change. However, since every policy is treated differently, one can't be 100% sure with the answer.
Posted: Tue Nov 25, 2008 09:40 am Post Subject:
I'm with Jeremy, the rates might or might not change as a result of the geico roadside assistance claim. it seems that the repair-shop needs to get Geico's authorization before commencing the repair work. Also the policy holder is required to pay deductible separately for each unrelated repair work.
I spoke with someone from geico but he didnt seem to know, he just told me any claim can affect my premium.
Well, what he has said isn't entirely correct, while an at-fault accident is likely to shot-up your rates, the not at-fault accidents may not. According to Geico they try to keep your rates as moderate as possible and may also offer free accident forgiveness, ie, your first at-fault accident will not change the rates if you have stayed with them for five years.
Posted: Tue Nov 25, 2008 10:07 am Post Subject:
Crazed I'm just SURE you have these coverages mixed up...I
have roadside assistance and mechanical breakdown w/ a $250 deductible
For geico roadside assistance ''type'' coverages I have NEVER seen with a deductible at all they have a limit...on how much they will pay per occurance...usually 50 or 100 bucks...and they cover tows etc NOT related to another covered loss...like collision or comp, which you would have a deductible for.Posted: Tue Nov 25, 2008 10:46 am Post Subject:
Roadside assistance ''type'' coverages I have NEVER seen with a deductible at all they have a limit
The breakdown coverage offered by Geico does have $250 deductible on it and it applies each time you get a repair work done :(
Posted: Tue Nov 25, 2008 11:39 am Post Subject:
The breakdown coverage offered by Geico does have $250 deductible on it and it applies each time you get a repair work done
Explain that please, ''each time you get '' what repair work done?Posted: Tue Nov 25, 2008 12:11 pm Post Subject:
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jeorge,
You may have misspoke with your Authorization comment.
""I'm with Jeremy, the rates might or might not change as a result of the claim. it seems that the repair-shop needs to get Geico's authorization before commencing the repair work."" Also the policy holder is required to pay deductible separately for each unrelated repair work.
The only authorization the Repairer needs is the Car Owner's. Accepting an authorization from Geico could create some serious grief for the Repair Shop.
FK,
Posted: Tue Nov 25, 2008 12:21 pm Post Subject:
Fred, maybe he just meant that they were agreeing to pay the claim period (i hope that's what he meant :wink: ).......Peps, I'm still at a loss about this coverage..and think you all have to have this mixed up with collision or comp or warranty work maybe...'roadside assistance' or 'breakdown' coverage, as far as I know covers towing, maybe tire change and unlocks similar to AAA ... any repairs covered under an auto policy wouldn't be for any type of mechanical failure unless a covered loss occured due to it's failure, then the failure it's self wouldn't be covered...could be some states offer something I'm not aware of but I would like to know about it if so....also as I said, I've never seen a true 'roadside assistance' coverage with any deductible, they only have a 'limit'...anybody? someone?
Posted: Tue Nov 25, 2008 06:40 pm Post Subject:
Sorry for the confusion. The geico roadside assistance is its own coverage for 4.50 every 6 months. Then I added the mechanical breakdown w/ a $250 deductible for about $16/6 months.
The mechanical breakdown coverage needs to be authorized by geico and I would have to pay a $250 for each problem if they aren't related. Its basically an extended warranty for my car. I really dont see myself using it but its good to have if anything ever goes wrong. I dont think it will be worth it though if it increases my premiums when I renew if I use it.
Posted: Wed Nov 26, 2008 06:00 am Post Subject:
Hi Fred, hope the following link will help in clearing the confusion regarding authorization from the insurance company before the repair work....
geico.com/claims/claimsprocess/understanding-mechanical-breakdown-claims/
I may have misread the information but it seems that the body shop indeed needs authorization from the Geico before commencing the repair work :( If I'm wrong pls help me understand the information properly.
Posted: Thu May 06, 2010 10:32 am Post Subject: car to be towed to auto repair shop
i drove my car to suttle motors about two months ago because the engine service light came on,i was told that little things can trigger and cause this to hsppen and to read my manual. due to a rumbling sound when i stop at a traffic,i carried the car back to suttle, and was told there is nthing that can be done until a light come on. the engine light is on again,i called suttle on yesterday and was told to bring the car today. the ten miles i have to travel to carry it is a lot of heavy traffic. i'm afraid of a problem occuring that could cause an accident since this problem has been going on for so long. should i have gieco to tow the car there or take the chance myself
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