Geico insurance company - reviews

Posted: Sat Jul 05, 2008 01:46 pm Post Subject: Geico plays with you..

Hi PalinRome..

I was about to start a thread on Geico reviews, but you made my job easier..its good that you have given me an opportunity to share what even the smaller brand names are capable of..
i'm sure many of the community members who are pleased with Geico services would be surprised to know my experience-

It was back in 11/10/2005 that I contacted Geico insurance company after a brief gap in order to restore my policy..I was informed that I'd need to pay whatever my dues were as per their records in order to proceed with the same. Once their quote was offered to me..they didn't take much time to re-inform me that since my boyfriend was staying with me.. it would not be the same quote ($311) as we had discussed earlier. Even when I told that he has his own insurance in place & in case they need any information regarding that I'd be glad to fax them those information, little did they pay any heed to my words..& I was again told that if I chose to opt for it I'd need to add him with me & also pay Geico worth around $2000 initially rather than the earlier amount. I didn't quite feel it was feasible for me to accept it under those terms & agreed to call them once if I change I mind.

Again I had the opportunity to call geico on 11/22/05, I could tell them how I had parted ways with my boyfriend & had shifted to my own apartment downtown. This time I was quite amazed to see them offering me a quote worth $600 which they said was owning to my new residence falling nearer to the inter state 78 which had a higher accident rating. I had chosen to consult a friend rather than leaping into twice the amount I was initially offered just for the sake or a couple of miles shift. But it was just a score of minutes that I called them back to let them know about my acceptance of the same. This time I had a word with an agent called Erin who explained how it was easier to make my payments through the electronic check payment system, & once I followed it she even told me that I was fully covered from that moment onwards. I was quite glad to know that my insurance card would be faxed to me & that the coverage papers would be following soon. We then hung up thanking each other.

The next time I called Geico was on 12/01/05...since there were no signs of my card (which was to be faxed) as also the paperworks which was to be sent to me. This time I had used the voice mail facility of my cell phone & surprisingly got through the same girl that I had talked the earlier time. This time the girl had agreed that there indeed was a notification of my the call that I made of 11/22/05 but that there was no sign of the acceptance of my electronic payment. She seemed too sorry for the malfunction & agreed to process the payment once more this time being quicker at accepting it. My bank name was verified as she sought the permission to collect $471 from my check-in account. This time also like the previous time I had to give her my fax no. to send me my temporary insurance card. Once the coverage was restored she informed smiling that my car was well covered this time. That was the last I heard from her.

It was well past 12/03/05 that I still didn't hear anything from Geico & was still without the possession of my card. With the feeling that I'm covered..I went out with my car that night & met with an accident. It was quite the next day that I had called to report my loss & file my claim. I was in for a shock when the agent told me how the status of my policy was being shown as 'cancelled'.
I was being put through their customer service agent Jennifer who was of the same opinion & tried her best to establish that it was my fault & that my policy was extinct. They denied my chances of having talked with Erin for the second time due to a system check. Then she enquired as to whether my payment had been effective in my bank account. Since there was no such payment deduction on my account, she shrugged her shoulders. I kept on asking why Geico didn't inform me that they didn't process my payment & that I was not covered. On the other hand she kept on pushing me to the brink stating that it was not their job to inform the customers about their payment status & that it was all up to me to know whether I was covered or not. It was then that I argued on the fact that I'd agreed to the electronic payment which itself signifies a bond.

Upon my request the service agent had me through their supervisor Jaime who again got stuck to the point of confirmation numbers for my two checks. Once I nodded my head, he laughed to blame it on my carelessness. I was told that I do not have access to their manager Jose since the gentleman was out of town & that they can't lead me to Erin's supervisor under any circumstances. I was asked to restore my policy for the third time to which I did not agree.

What I felt bad was this man (Jaime) kept on doubting I had called them on 11/22 & 12/01. He didn't pay any heed to my requests to check the callers lists through my voice mail since it would be the same way its to come in the statement. To end it all..I left several voice messages to Jose's mail box but to no avail. However someone from the claims dept. had called me in 7th dec to have my statement recorded & conveyed to the underwriters. Now, I'd simply ask you guys- is geico insurance good?
NJMary

Posted: Sat Jul 05, 2008 02:11 pm Post Subject:

Hi dear...there is something that I didn't quite understand over here..

As I understood the first time you were to get your insurance card faxed to you by 11/22. Again on 12/01 you were to get your card & they were to deduct the payment from your bank account accordingly. This they say they forgot eventually. Then how on Earth did you forget about your cards & recalled them only after you had met with that accident? I'm not gonna buy that so easily! :) GBarclay

Posted: Sat Jul 05, 2008 02:54 pm Post Subject:

It was then that I argued on the fact that I'd agreed to the electronic payment which itself signifies a bond.

Posted: Sat Jul 05, 2008 10:57 pm Post Subject:

and...doesn't appear to be the first time she's driven uninsured... :wink:

after a brief gap in order to restore my policy.

Posted: Mon Jul 07, 2008 11:38 am Post Subject:

Then how on Earth did you forget about your cards & recalled them only after you had met with that accident?

Again, it's too bad that this happened, but you did put yourself in a bad position of not allowing for _anything_ to go wrong by applying for insurance, requiring proof of insurance that same day, and driving without proof of insurance.

Posted: Mon Jul 07, 2008 12:18 pm Post Subject:

I understand that and I understand that it was a bad situation... but from your post it appears that you needed to obtain a policy asap (or even prior to the day you asked for it) and that you choose to drive w/o proof of insurance. What I'm saying is that you placed yourself in a position of not having insurance when you should have had it and then needing proof of insurance immediately. This leaves no room for errors. On top of that, when the cards did not arrive, you choose to drive anyway. By doing that, you're placing yourself in an even worst situation in that your driving illegally (no proof of insurance).

What we don't know is what went wrong with the payment. I don't see why GEICO would not want to collect the money from your account so I'm wondering if something else went wrong (wrong account number, wrong routing number, NFS, etc).

Posted: Sat Jul 12, 2008 02:08 pm Post Subject:

On top of that, when the cards did not arrive, you choose to drive anyway. By doing that, you're placing yourself in an even worst situation in that your driving illegally (no proof of insurance).

Posted: Sat Jul 12, 2008 02:21 pm Post Subject:

I must say somethings gone wrong!

Posted: Sat Jul 12, 2008 04:06 pm Post Subject:

listen...my dear friend..I didn't forget about those cards..but its just that I didn't come across such an experience ever before..I started believing thats the cards were gonna come along with my policy papers.

Posted: Sun Oct 12, 2008 07:06 pm Post Subject: hi

they are many members who are pleased with geico.i wonder how members like u got stamped.
its untolerable fact.
all u can do is a kick 4r geico