GEICO

We've only had one accident in all of our years with Geico. It involved us being hit from the rear and being flipped onto the side. Luckily no one was hurt beyond a few scratches and cuts. Geico was the insurer for both vehicles and worked with us until an amicable solution was reached for both parties. And most importantly, did not raise our rates, since we were not at fault. Thus, their claims department, unlike other companies, is just as good as their billing department. Which the latter, as is evident, has always worked with us to keep our car insurance premiums within our budget.

Customer Service was great. Although I (fortunately) have never needed to claim anything other than this and glass repair, I'm sure the experience for any repairs would be equally as easy. The premium has been less or equal to any quotes I've gotten for comparable coverage (minus the mechanical breakdown). In short, I'm a happy camper.

Here's another plus to the service - there's no limit to the number of times you call them (some services will cost if you request assistance a second time for the same occurrence ie-I have my car towed (no cost) but that garage couldn't fix the problem - so I request another tow (at my expense -unsure if it's discounted). I called to have my car jump-started. I traveled 2 blocks and inadvertently turned off my car-not long enough run time for the battery to be brought back to life. Within 10 minutes of my first request - I was submitting a second. Neither one cost me anything (other than the "tip" to the driver - completely at my discretion). The cost for me 17.00 per month! Definitely worth it- I've used the service 3 times since signing on with GEICO - and I'm confident I already received a return on that $17 investment!!

So I submit the pictures to him, he of course takes days to respond because that’s always how he has been. Come to find out the car had been moved several times to new tow yard because it was there too long. So now I have repo fees and towing fees that geico is supposed to handle for me. But Mr ** said it would take a week or 2 for the check to get sent to the tow yard for them to get it and Capital one needed it sooner otherwise they were going to put on my card that it was a repo because capital one is the one that had to tow the car so being in the original tow yard for so long. So I decided to pay the fees upfront myself and have geico send me the check in the mail. Everything is paid now and Mr ** goes days and weeks taking so long to do this, after almost a month he tells me the car is good to go now and they are going to pick it up, me and him both call the tow yard to make sure everything is good and the lady tells us yes.

More days pass and I ask him what is going on. Why isn’t the car picked up, he tells me that the tow yard is now saying they need some paperwork to release the car, even though they just told us it’s okay and Mr ** is saying he doesn’t know what the paperwork is. So I myself call the tow yard to figure it out even though that’s his job, she tells me the only “paperwork” she needs is the towing company that is coming to get the car for me to email her an appointment day and time along with their ID, which is understandable. I called back Mr ** and explained to him what “paperwork” it was and he said, "Yeah I know. I just called." But why didn’t he call days ago to figure it out? Also how did he not know what kind of paperwork it is, I called and found out within minutes, very easy task.

So now over a month has passed and it’s been 31+ days and capital one has now put on my credit report a “repossession” due to the car being in the tow yard for so long and not getting paid off and completed in a timely manner. Huy **, who is a my Geico auto adjuster has destroyed my credit and put me through hell to get this situation taken care of. I take complete responsibility for my car accident, but as my insurance company you should help me fix it since that’s all you’re there for. On top of that I reached out to Geico directly and they told me they can’t do anything expect transfer me to Mr **. Although he works for them and I’m telling them he’s not helping me. Not to mention throughout this whole month, Mr ** never answers phone calls or text messages for days at a time, despite how many voicemails I leave him.

He also told me that if we can’t get the car out of the tow yard (which makes no sense cause it’s there and ready they just need an appointment from the towing company that’s going to come get it), that I’ll then be given the car back to me and Geico won’t pay anything off on the car or do anything and I’ll just be stuck with it. Even though I have full coverage and gap insurance and the car is very low in miles so it’s not an older beat up car, unbelievable.

It’s safe to say Geico has great coverage and policies but terrible auto adjusters and they do not help you even if you call and tell them the people that work for them aren’t doing anything. I am now fighting to get this “repo” off my credit. On top of that I have lost my job, my car, I’m injured with a fractured neck and can barely walk, and temporarily lost my license. Despite having these injuries I still took ubers and got transportation to get all the paperwork and everything done just so it was easier for him even though I was supposed to be at home resting, but that didn’t help at all.

In this case, we also agreed on a certain rate and I have the confirmed email from GEICO for the auto quote and I gave Ms ** at the Pearland Office - Managed by ERIC MAYS MY CREDIT CARD #, waiting for her to run it and after few minutes she backs off by not giving me the advertised rates. Only answer she could give was I got a speeding ticket in 2017 which is not a claim at all and these speeding tickets are five years old. NEVER EVER FALL FOR THEIR SOFT QUOTE you get by mail/Email. Even their advertisement are fake... not genuine, They may have been good five year before. I had policies with GEICO BUT now they are TOTAL RIP OFF. ****IN SHORT - GEICO is a TOTAL RIPOFF****

Talked to us like we were trash. Two days went by and I had heard absolutely nothing. This is what they do to 13 year customers. The only claims we have made in 13 years were glass claims... the last one being in 2010. We have actually both been customers for 20ish years as we were insured separately with Geico before we were married. You'd think after paying these people around $40000 over the years they could handle a $2500 repair without treating us like we were trying to commit some sort of fraud. It was an absolute nightmare... Couldn't even sleep at night from worrying if I was going to be prosecuted or something.

Geico would NOT pay us for the minimum costs. Geico did their best to make the process as difficult as possible by: NOT answering calls, NEVER volunteering to help, LONG hold times, REPETITIVE paperwork and directing us to meet with MULTIPLE body shops. We spoke with many Geico representatives who were condescending, and critical and obviously trained not to pay unless they were forced.

The repairs would not have been handled without our tenacity. The entire process of getting Geico... (with the funny, deceptive slogans) to cover their insured was almost impossible. They pushed us to the limits. The truth about Geico is that they advertise for your business, but flake when you need them. I would recommend you stick with better companies.