GEICO Motorcycle Insurance Reviews

I spoke to Angie ** a manager and she was extremely rude and did not want me to explain anything she knew all the answers and decided with no notice to place me on a 7 minute hold to get me to shut up. She probably thought I would hang up and she wouldn't have to deal with me. I requested to speak to her superior to talk about how a manager can behave like she did and no call back has ever happened. She threatened to put a note on my account so that if I got in an accident I would not be covered. Nothing you can do but leave this review. Stay away from Geico at all cost. TERRIBLE COMPANY!!! DO NOT DO BUSINESS WITH THEM!!! FOR YOUR SAKE PLEASE DO NOT.

Property Damage and Personal Injury. There are two parts to a motorcycle claim...property damage (your motorcycle) and personal injury (your injuries). Attorneys don't care and won't help you with the property settlement because it's not worth their time. Attorneys do care about personal injury. That's where they make the money, especially if you have lost a leg or had a chunk taken out of your forehead. They don't want to be bothered with a $100,000 claim. They will take 33 1/3% but more like 50% because they'll wrap their expenses into the final cost. The opposing insurance company will set up a personal injury claim for you, but expect to be taken advantage of because they will adjust and re-adjust and have a bevy of attorneys. We, the consumers, are at a disadvantage even when the other party has claimed 100% liability.

My accident: I was sitting, stopped, on my motorcycle and was hit from behind by another rider traveling 40mph on a bike three times the size, in California. 100% his fault per the California Highway Patrol. Two totaled motorcycles. Two injured riders. I reported my accident to Geico the next day. I have refundable $250 collision deductible. The Geico agent asks, "Do you want to file through Geico or third-party?" I've never been hit so I had no idea what they were talking about. I said, "Isn't Geico my insurance company?" After talking with other riders, I thought perhaps third-party was the way to go and called them back, but by then, I was assigned to the first of three adjusters. I'm happy that I did not file a third-party claim for property damage.

My bike was towed to a dealer in Reno. A week after the accident, I'd already been reassigned to three Geico adjusters, the last one out of Virginia Beach, VA. A web search showed that the third adjuster surrendered his license in Utah and Kentucky. A comparable naked bike (used) runs about $6500 in California. Then add replacement cost of luggage...($1800 to replace) but Geico gave me $200. They took my Garmin 660LM GPS ($699) and gave me $81. I had a custom seat and I think they gave me $5. None of these accessories were covered by Geico, so the question was, why are they including them in their valuation?

Geico had a Harley Davidson dealer in Tempe, AZ do the valuation. A search of that dealer's website and Tempe Craigslist did not produce one comparable motorcycle. Additionally, the base housing price for 55+ housing in Tempe is $90k and in Eastern California/Reno, it's 600k. Not even comparable market conditions. They offered a multitude of different settlement prices, all lowballed at $3200. They issued and supposedly mailed checks for helmet coverage and jacket, but to this date, a month later, those checks never came.

To appease California regulators, Geico predated a settlement check for within thirty days from the date of the claim being initiated, but never mailed it. Finally, I agreed to a much lesser settlement price, because the stress was enormous and they were not settling. They still haven't paid half the settlement. I finally filed a complaint with the California Department of Insurance when I repeatedly asked for payment on the helmet and jacket and nothing came. DO NOT insure with Geico! They will take your premiums then take your settlement money.

Things to remember:

• Geico now offers increased coverage for your accessories but they will depreciate those accessories. You may insure your luggage for $3000, but expect Geico depreciate and devalue those accessories using an out-of-state dealer.

• Geico will determine a settlement price within the first 30 days and process a check but not send it. They won't tell you that. Your adjuster and his manager won't answer your calls and actually block your number. They will play these games for months. Stalling is the name of the game.

• If your claim is worth more, keep fighting. They will ignore your comparable motorcycle prices pulled from Cycle Trader, Craigslist or Dealer sites. I assembled those in a pdf file along with my complete maintenance record. In California, you can reopen your claim if you feel the settlement is unfair. You can also sue the responsible party in small claims court for the balance on property damage. That's what we're talking about here. The property damage.

• Geico will say they sent payment, but the checks will never come despite your repeated reminders that the checks never arrived. Expect this to go on for at least a month.

• Give no statements to Geico or to the other insurance company.

• As my insurance company, Geico has a fiduciary responsibility to me. Nothing would make them happier than for me to file a third-party claim with the other guy's insurance company.

I was not covered on my policy for any medical coverage for myself. (Known as personal injury protection insurance). Geico You want to be careful with personal injury. This will depend on the nature of your injury. Expect to spend two years of your life not riding, but tied up in doctor's appointments and court hearings (and beware of the other party's spies photographing you at home). There are a lot of greedy loser lawyers out there. Nolo publishes a downloadable book called, "How to Win Your Personal Injury Claim." Good luck with that. An interesting read, but insurance companies will throw your demand letter in a file, probably the circular one. I'm not an attorney just a really angry consumer who spent a lot of money with Geico over the years only to be treated abusively.

I get a call from my finance company saying Geico cancelled my motorcycle policy. I call again and get the run around. I ask for a supervisor and they say one will call me back. I never get a call back. My cars or motorcycle didn’t move one inch while I was in the hospital. Greedy company. They don’t care about anything but money. Thanks Geico for taking advantage of a really bad situation and pretty much leaving me in the dust after almost 20 years of being a customer. I’ll be moving all my policies to another company. So will my whole family. 1 motorcycle policy will cost you tens of thousands. Allstate’s got me.