GEICO Reviews

I called and emailed several times and first was told, my policy was cancelled for non-payment, I responded with several more emails detailing our conversation, it took a while but finally got an email saying, "Sorry for the inconvenience, your information will be updated in your file." I considered the matter closed. Then we continue to get billed, called again, mad this time. I was told we had to show THEM proof of our new insurance or we would be billed. At this point I am real mad. I responded, "Who gave your company authority to monitor my insurance from another company? That's between me and DMV, we cancelled our policy and our business is complete."

They continue to send bills, I called again and told them I would see them in court if that's what it takes. I have saved all my email correspondence and would be happy to show a judge my current insurance as he would have the right to ask to see it. I have now received a letter stating they were taking it to a collection agency which I find to be in my opinion an extortionist tactic. I wonder how that could be legal when we have not received a judgement proving one way or the other whether it is actually owed or not. I am seeking information on the possibility of taking this to small claims court to resolve this.

The next day, I call Geico to file the claim but Geico client had call and told Geico that she didn't run into my car. I turned it over to the law, they had Geico pay me for pain and suffering but didn't pay to have my car repaired. So now I have to get another attorney to make Geico repair my car because it's just not right for someone to run into a person car and think it's okay and Geico is holding their client in the wrong that they do. The judge told Geico client that no court in the state of Georgia is going to back her on this because she was wrong. I will never ever referral or mention Geico to none of my family members or friends of anybody that I even think I know. They are wrong and when you do people wrong, nothing good will happen. For that client of Geico, everything that client and Geico touch will fail even the adjusters that's holding the client in their wrongdoings. I could never do that to anyone no matter what color they are because that's how Geico seen me, a black person.

Well because I said that to the GEICO sales representative turns out they can use that information against you and raise your "risk level" and charge you more -even if you didn't file it as a claim - it still counts against you. So though telling the truth is good, just a heads up - admit and tell them nothing otherwise you will pay for it like me. Not only did this cost me more, apparently even though it WASN'T a claim on my previous insurance company, GEICO is now going to hold this against my "risk-factor" for the next 4 years!!!! Given I stay with them that long - doubt it.

Next thing I know, their certified repair shop is asking to begin repairs. I said unless he is Nissan certified, I don't want the vehicle repaired. It was an instant battle with the adjuster. He asked me "why would you tow it here if you didn't want it repaired here?" I said nobody asked me where I wanted it repaired. He then accused me of just wanting it totaled, which I do given that 95 percent of the car needs painted and replaced. Every part is aftermarket and if you google the brand, they have horrible ratings on the parts. I am shocked at Geico's behavior. After trying to reach a manager I have since given up. Every time you try, you get directed back to this unprofessional adjuster. All in all, if the adjuster would have just given me the facts about the KY laws to begin with, this would have been easier. Nonetheless, GEICO CUTS CORNERS IN YOUR REPAIRS TO KEEP FROM TOTALING YOUR VEHICLE.

This company is rude and very insulting to the clients that pay their damn bills! I have been insured with them with as many as three vehicles at once! No claims until now and I am being treated like Dirt! I hope this post helps someone in the future. At 57 years old and a great driving record and a Spotless criminal record, a RI State Notary Public and I hold a federal TWIC card, I am treated like dirt! DO not allow them to give you the stress that I am enduring! DO NOT INSURE WITH GEICO! Call me if you want more details! I am willing to go the extra to expose this company! They have lied and admit no fault! At one point one of their CSR's asked me if I wanted to continue this claim knowing that the damages and loss is in excess of 4000 USD! Simply amazed that this company is allowed to treat their clients like they do!

I am appalled by the treatment I continue to receive every day since this theft occurred! You cannot make this stuff up! GEICO does not care! Thank God the claim is minor and no one is DEAD! I could not imagine if a lot of money was at stake here! As you might be able to tell, I am very upset and mad about the way this claim is being handled! Please stay away from GEICO unless you don't care! I pay and I care! Run away from them and find a better company with a real agent that will treat you the way you deserve!

I got the title, called them, and was told that the supervisor would like the amount reduced by $1950. This Supervisor was the same supervisor that denied me to check the car thoroughly. I borrowed the money and was guaranteed to get this check for $7794. Geico is refusing to honor the agreement, and has since, reappraised the car, and used a fraudulent submission date as the estimate, when I have the actual numbers that they gave for that time period. I have called Geico numerous times with no assistance. I need help. In addition, I have no idea where the car is. I was told Geico was going to pick it up and take it on 04/25/2014; however, they have no title or release.

I then bought another car and insured that as well in Florida so my husband would have a car when he was there as well. He drove a few times with the kids back and forth from Florida to NY. When I had a fender bender in NY with new car, Geico decided that that car (new car Jaguar) was to be changed to NY insurance as that was the billing address and the old Florida car as well. I objected to the Florida car being changed and told Geico that I had informed them I had a NY address as well when took policy and that's why storage plan.

A few months before I had put the car on storage and had not been back due to medical reasons. Dec 2012 (when left and put on storage), I had wanted to sell the car but hadn't time as my condo was foreclosed. The car was 14 yrs old and was not even worth fixing major problems and was not even drivable. My registration expired and the car was towed Aug 2013 and the plates were stolen. The tow place paid a few hundred cash to my parents who delivered the title around Oct/Nov. I informed Geico that I no longer owned car as I saw I was being charged a full New York insurance policy and I argued with them again for the 4th time about not agreeing to change car to NY as that was not what I bought or agreed to.

As of this date April 28th, 2014 they are still charging me NY insurance and only today agreed to cancel policy saying they needed plates returned. They have no record now of car being put on storage and all the calls from my husband and myself. I have been critically ill this year and basically abandoned car and plates were stolen. I have not had the strength to deal with all this but I cannot afford to pay $1000 yr for a car (now 16 months since put car in "storage" and 8 months since it was towed off the streets.) What can I do to get my money back from the crooks, I mean Geico?

Agent asked for debit card number for payment, gave him my debit card number. Next thing I know he says he ran my motor vehicle report. Found a cell phone ticket from a few months ago. Gave me a new quote of $200.00 more for the year. A cell phone ticket increased my rates $200.00 a year. WOW, that's a lot! The cell phone ticket was $130.00. I asked the agent why he hadn't checked my MVR before giving me the initial quote. He said Geico has to pay the DMV for the MVR, so they don't run it until you commit to a policy (give them payment method). So, lesson here is, don't give Geico your money or credit card number until they've given you a FINAL QUOTE. Also, if you get a cell phone ticket, expect a rate increase, and a BIG ONE from Geico. Don't buy Geico car insurance.

We knew this other guy was trying to get money out of Geico. That letter went in the trash. Just today, we receive a letter from Geico and now it is Geico and the other guy vs. my son!! I can't believe they will go to these lengths of fraud! The claim: my son must have gone over the yellow line and hit the guy. He didn't. I have pictures and eyewitnesses in my file, as I showed up minutes after it happened. This crook will stop at nothing and now Geico is aligning themselves with this extortionist to try and get their money back! Unbelievable. This is dishonest and fraud and they are in for a rude awakening!

Geico felt they had to get their attorney to perform scare tactics which made this whole experience even more frustrating. They hired a court stenographer and I had to undergo an oath under examination. Well (8) months later, I called their claims department last week to find out the status. I was told by Jennifer that my claim was denied due to fraud and by being non cooperative. Now I am out of a car and they denied me my car rental coverage from the beginning. Geico said I would have to drive what I have which is a 2005 Ford Explorer gas hog. Then they played games like adding my son, who has his own car and his own insurance. Fifteen minutes can ruin your life. Don't go with Geico.

P.S. I think the only way to win at this is just make your mind up that your only friend is your wallet. If you had no accident and no claims, then shop around every year and be prepared to make the change. The longer you stay with someone the more money they make off you, raising your rates each year.

So as this frustrating war starts with Geico. I gave them phone recording with adjuster. Was told the adjuster could not see my van till Monday, he was too busy. Investigator called me completely interrogated me on phone making ignorant comments, "Was it even inspected?" I said the sticker is still on windshield. Geico has vehicle towed have no clue where. I call claims adjuster, Steve ** every day to never get a response. Geico told me I would have to pay for rental car until after investigation.

I have read policy. My rental policy is to be paid for by Geico 50 dollars a day up to $1500. I am a single mother of 3 on disability. I have never dealt with such a horrible ignorant car insurance in my life and my policy is not cheap. The real cops and arson investigators are a lot nicer. When I talked to the real cop, they asked me why my car insurance has not got a hold of them yet. I'm very frustrated was called by Geico's investigator today Thursday, can we meet at 11 am. I said sure, calls back, "Can we move that to 12:30-1 pm?" I said fine. At 1:30, I tried to call Mr. **, still no answer. Have to talk to another woman. She gets a hold of him and he is like, "I will be there in half hour." I said, "I need to get my kids from school," as he goes on to talk to woman saying, "sorry I got tied up. She already hung up," he didn't realize I was still on phone. It's been 7 days, I don't have another car. I told cops of a situation I am going thru with someone threatening me which they are investigating as Geico is doing nothing but interrogating me.

I got a letter in mail today from Geico again asking me what happened, who loan is to be, how much I owe, asking me if I have other loans. Wanting me to release bank statements, canceled checks, medical records, any agreements or contracts I have, financial reports, releases, estimates, all repair orders, electronic data storage devices. And have it notarized. What???

I'm already contacting lawyers, I just got this policy with Geico a couple months ago. I hit black ice last month their estimate was a joke had me at a $1000 deductible I would never agree to. I have never had $1000 deductible not even on my home owners. Did not give me enough money to fix the front bumper. So when I talked to them I had them drop my deductible to $500 and I wanted rental because I could not be without my car.

Now that the whole van is completely melted down as my kids are in tears with me, it was completely loaded 3 DVD players front back heated seats every option on top of that their Samsung Galaxy notebook was in there, my second cell phone. My kids are 6, 8 and 10, their toys, some jackets. I was told they will only cover 200 dollars of damaged items, lol.

I live paycheck to paycheck and cannot afford a rental. I had to promise to pay for a car I am using right now. My kids don't have a bus to school. I was never told when purchasing the rental that it was reimbursement but they also said after they rule me out of the arson it would be paid direct? Ugh, I would never burn down the only car I own especially financed. I'm lucky to walk away with loan paid off and still be with no vehicle. I haven't even owned it for a year. And Geico is just doing nothing but trying to point finger at me not answering phone calls not conducting proper investigation. I would think that would be arsons job. I have two fireman witnesses that the passenger door was wide open. They put fire out before fire dept showed up. I have full coverage but just really wishing I was still with Progressive. I'm under enough stress without a car. You pay your insurance to be on your side when something like this not to be against you. Isn't there bad faith laws and rights against insurance agency lying and taking advantage of woman.

There was a couple getting an estimate when I was for black ice incident. They had a few scratches on vehicle, 4300 dollars. I hit bumper broke rad supports front head light spoiler on a signature series Town and Country said $2700 but you have a $1000 deductible, $1700 I said there is no way I could fix that. He said, well when they find what else is wrong, the shop I take it to can ask for an adjuster to come out. Lol, didn't even open hood, took it to Geico's express shop didn't even take it inside the building. Was told that they use used parts and after market to fix the cheapest they can fix something. I said, "You buy used parts to fix a vehicle?"

Just have so much regret. This is the last thing I needed after buying a vehicle I put 3000 dollars down on and then had to pay taxes of over 1000 dollars for PA plates when it was supposed to I just replaced a dealer hose on it that cost me 500 dollars brakes rotors and all within 9 months and I sit here with no vehicle and no money saved up to buy another car right now. I cannot even sleep.

I myself have Geico insurance and I have a long and awful tale.. I am now going to do my homework and switching for now. I will just say that Geico take people's money and what they don't pocket and spend on cutesy commercials. They didn't allow Geico in New Jersey until about 8 years ago they have quickly become the worst insurance company. If you actually get hurt and get hit by an under-insured driver... so they lie, lie, lie... When they tell you that you're covered if you get hit by an under-insured driver (the cheek) and especially another Geico insured driver...

What I would really would like is them to get the ** out of New Jersey. I think this is why they weren't allowed here.. because of these 25000 dollar policies.. They have forced other companies to follow suit... No one should have these under-insured policies... LISTEN CHEAP IS EXPENSIVE IN THE LONG RUN... Do your homework when getting insurance. I made a huge mistake... GEICO IS THE WORST!!!!

My husband passed away in September 2007 and I am livid that they are making me go back through that time period to prove I don't owe them this money! I know I don't owe this debt and isn't there a statue of limitations on something like this? My state has 4 and 6 year limits for debt collection and this money is not owed. I am just irritated that Geico is making me go through this to prove the debt was paid. I will never ever insure with Geico and I will encourage my children and their spouses to keep away as well.

Now the shop wants me to pay the difference and Geico says its my problem and I have to work it out with them. The money I got for the value of my car I now have to use to pay for the ridiculous storage fees that BM Auto Collision is charging after they specifically told me from day one I would not have to pay. I asked several times throughout the month to pull my car out of there but they insisted on leaving it there, that Geico would take care of the bill. My car has been sitting there since Feb 1st and is still there today. I have been trying to get in contact with the owner but has not responded to my phone calls. I am now having to consult with attorneys for possible solutions. I am also now incurring rental car charges out of pocket since yesterday because I now don't have money to even pay for another car. I feel like I am being hustled by my insurance company and the auto shop.

Now here it is 6 months later and Geico is hitting me with a surcharge for an accident that didn't happen. I asked them to do an investigation and pull the phone conversation so Geico can hear what was said. The Rep said they don't hold recording that long. I'm being penalize for what, there were no claims, no police reports and no damages or injury. Geico is calling it an accident. Last I checked an accident is a sudden event (such as a crash) that is not planned or intended and that causes damages or injury.

I've been with them for 7 years. I tried to get insured with another company and Geico has me tie down to them. When the other company pulls my driving report Geico reported an accident I had in 2012 which I sued and won as it being my fault, so I have to wait for a letter from Geico which I requested to rectified this and wait for a response for this surcharge which a Mr. ** who's a supervisor promised to get back to me before the day was out and here it is 7:00 p.m. and no response. I've been dealing with this for 3 days now.

Do not switch to Geico unless you have someone look over your documents. I would've never agreed to this type of coverage if I would've known that they do not pay the insured amount. I also found out that my policy only covers $1500 on watches, jewelry, and guns. Anything else is up to $250k, so all of my other jewelry that was stolen will not be replaced.

On day of return, the rear right turn signal plastic cover was damaged backing out of a parking spot were others parked too close to the rental car. I filed a claim through VISA, provided all information to Ace-Rent-A-Car as required, and as a courtesy, I called GEICO to inform them that I submitted a claim via VISA for the car rental from Ace-Rent-A-Car. Apparently, both VISA and GEICO paid the claim not only for the rear signal light housing but also for a paint job ($600) on the car not around the cracked plastic ($200 parts + labor). Now I have a record showing I have a paid claim by GEICO which in turn means more expensive insurance rates. THANKS GEICO!!! Great that you overpay on our behalf on bogus claims. Now, I know why people pay higher insurance rates... to cover for your mistakes! Won't be your customer ever again!

A month later I get a letter from the officers attorney filing a one million dollar lawsuit against me for him getting hurt by a flare that we never saw since we were told to move at once and I explained this to Geico. After numerous calls from Geico attorney the went back and came a settlement for a 1,800 $. Donation to a police cause at least that what Geico said. Turns out when I got stopped for traffic ticket my record now states I hurt a officer and Geico never stated that nor did we agree to that. For me that's a very big disgrace when the insurer plays with your record.

I called Mercedes first thing Monday morning. They picked my car up and later called me to say that there is water in my transmission. My insurance which is Geico tells me that I have to pay $1200.00 and some to have my car repaired when my deductible is only 500.00 dollars. On top of this no one can tell me how I get water in my Beach. They now how my car not very much communication is going on, I have been transferred from one adjuster to another and it is now Feb 13, 2014. I am a single mom with two kids and they both have asthma.

They take advantage of consumers and put all the responsibility on the consumer to find what dishonest thing they did. The regional directors know their sales people are wrong but refuse to take responsibility. Beware when purchasing a policy. Geico lacks integrity. I wish I would have never got involved with them. It's not worth saving 50 bucks. I rather pay more than deal with their customer service and their sneaky sales tactics.

The other insurance company shows no record of any accident so they can't send a letter. Then GEICO tells me that it's on my driving record. Except the state says I have a perfect driving record and nothing is on my record. So then GEICO tells me the report came from me - that when I was filling out my insurance application I said I was in an accident! And that there is nothing I can do about it!!! Excuse me, why would I say I was in an accident that I wasn't in!? I am filing a complaint with the MA insurance commissioner. DON'T INSURE WITH GEICO!!!

At one point they told me they only honor the rental agreement if the car is repairable, not totaled, which makes absolutely no sense. They are aware that I have a vehicle I want to purchase, they are aware of the innumerable delays and the fact that I cannot purchase another car without the settlement money. GEICO, despite the fact that I verbally and in writing released the car to the other insurance company, had the car towed to a salvage company and it has just now been located. Needless to say, it will be a while before I see any settlement money and I will, in all likelihood, lose the opportunity to purchase the vehicle I want because of all the delays.

I am very disappointed with the level of service that they are providing. Or rather not providing. All the commercials with the little lizard and notes about high customer satisfaction ratings are false. If you want an insurance company that is professional after you have to make a claim do not use Geico. They are a sham. The money that should to be used to staff and pay for the claims (the purpose of car insurance) is being use for the commercials!! Be aware of this company. Don't wait until you have to make a claim and find out the hard way (I am looking for an attorney to represent me on this matter).

Now the fun begins: I received the notices regarding the warnings of insurance lapse and "Sorry to hear you leave." Then 2 weeks later I received a bill for the difference on a bill when I was originally informed that I had no outstanding amount. I contacted GEICO in regards and was informed that the bill was due to recent changes on my vehicles usage when the AGENT was trying to save me on a QUOTE. I spoke to a supervisor Mr. Steven ** and was informed that nothing can be done, that I still have to make the difference of a payment. GEICO was not very helpful in resolving this matter due to the CON ARTIST work of this agent. Those who have GEICO BEWARE and DON'T fall for their schemes.

I was a little leery about taking her word for that, with no other proof, but there was not much that I could do. So one week later, I was checking my bank account balance and sure enough, Geico took the money out of my account automatically that they were not supposed to. Now my account would be overdrawn as I did not allow for the amount that Geico PROMISED me that they would not take out and pending payments are going to go into overdraft because of this. When I called Geico and explained to the CSR what had happened, she just said sorry, that the money could not be put back into my account. I asked for a Supervisor and was told that none of them were available, even though my bank account was now going to be overdrawn.

I finally got a Supervisor on the phone today (the next day) and she was very blase and unemotional and told me that they could not put money back in my account and that there were no notes on my account about cancelling the auto pay as if she were reading a script. Exactly why I asked for a confirmation verification the week before, which they refused to give me. She just kept saying that the mileage form was on its way. I asked her how that was supposed to help me cover my bank account and she just kept saying that the mileage report was on its way to me. I have been a loyal customer of Geico's for over 10 years, but their Customer Service has gone downhill and they only seem to spend all of their time coming up with clever commercials instead of serving their customers needs. I am switching insurance companies immediately. If a class action lawsuit is ever brought against Geico, I'm IN.

Recently my monthly bills started to double in cost. When I called to inquire about this they informed me that since I had been sent a cancellation notice they were trying to help me get ahead of the game a little bit and charging me double payments. I have received the cancellation notices because my wife recently was laid off and with us living in a huge tourist industry there is almost no one hiring in the "off season."

I called Geico to see what I could work out with them as I did not want to lose my insurance. I was told that if I could pay the normal payment nothing would happen and I would have insurance. Four days later I checked my email to find that Geico had cancelled me for nonpayment. I called them and asked them how could this be possible, the check had cleared my bank, I gave them the name of the agent I had talked to and they were able to research and find the call. I was put on hold for almost 20 minutes as they were "looking to see what we can do."

After this time I was told my policy would be reinstated and that my next bill would be my normal payment. Three days later, I get yet another cancellation notice telling me I still owed that rest of the balloon payment and my next payment was going to be even more. They gave me 2 weeks to pay. They will not answer to what was originally said and tell me there is nothing they can do. I have been told if I do not pay I will still owe $50 for what was covered.

Most of the time, when we want to work your file, we get an email from a supervisor saying that we are not allowed to make any outbound calls because we are so busy. So, once again, your claim is not going to be worked. So, if you decide to have insurance through GEICO, or you have an accident with someone who has GEICO, be prepared to work your claim by yourself. Oh, and when the agents tell you they cannot run a plate check to find out the other person's insurance information because you're not filing through GEICO, that is a lie. We can run it. We are told to say this because the company does not want to spend money. The only time we say yes is when you have been with the company for at least five years. That is BS considering YOU are paying premium.

In the first week, I was contacted by GEICO claims rep. threatening me, stating that I needed to produce the locking lug nut wrench to the body shop (they don't send an adj. they do what is called a teardown estimate). The claims adj. said if I did not produce the wrench that day he was discontinuing the rental car and putting in my file that I was uncooperative. This was the day of my Dad's memorial! I had about 8 cars stop and help me out of car and clean out my belongings. I had no idea where it was, if I even had it and at that point I was dealing with my Dad's death! Then to leave a voice mail like that! Yes, I still have on phone for evidence. Once all things attended to with my parents'/family affairs and back to MPLS and work. I didn't answer his call due to working hours and rules with personal calls. He again threatened to stop loaner car!

Now, they sent a totaled value, which was nonsense! I sent all the cars I could find for sale like mine, none in my area. He rejected due to out of mile range and sent back cars that were not even available to buy! Also, had damage on the VINs and even salvaged VINs. and G8 base (v6 eng not V8) to comp mine with. I rejected and reasons why. They came back with higher amount, again using wrecked or non-existent cars and even a car "out of area" with salvaged title and still was not for sale. I rejected again. The GEICO rep keeps telling me the buy back amount and how much extra they would give me, to have it fixed. WTF!! They stopped the rental (Friday the 13th-nice)! and now I am paying for the rental out of pocket and storage on my wrecked #G8 GT. I am also paying my car payment and the rental which is $1200 per month!

I contacted the Ins. Commissioner of the state where the accident happened and filed a complaint. They had 20 days to respond. Once again the GEICO rep called me and said they are not coming up from offer. I cannot buy another car like mine (only a prev wrecked one in bad condition, with the amount they are offering)! I am not the one who created this, but GEICO wants to hold me hostage and screw me! I am currently not backing down to them, but going under financially. That, I am sure is GEICO's plan and what they do to everyone. Any ideas and advice would be great. I will not allow them to do this to me, nor anyone else. My insurance company, American Family, says they don't do anything because they don't have money invested, let the commissioner handle it. They are handling my medical right now. Do I get an attorney? Would they have to pay attorney fees? I can't lose more money for something that is not my fault!

When I asked why, they gave me this story about wear and tear on my seat. Well.. there is no wear and tear on my seat. That is the tears from the person who vandalized my car!! They don't seem to understand that. I've demanded two supervisors without any response so far and am demanding a re-evaluation. They have been completely unfair with me with this claim. I understand betterment and how it's a state law; however 50% is absolutely ridiculous. Still waiting for an answer. The check they have offered me wouldn't even cover half of the parts alone without labor.

After several days, I was informed that the GEICO supplement claim was denied due to the damaged wheel bearing being due to normal wear and tear. The auto was picked up and taken to an alternate ASE mechanic for a visual inspection where it was determined that the wheel parts had not been disassembled for several years. The previous repair facility was contacted where I was informed that not only was the wheel and associated parts not removed for visual inspection as requested but, the GEICO insurance adjuster never arrived to view or inspect. The GEICO insurance adjuster made the opinion and decision without ever visually inspecting the vehicle even after two previous ASE mechanics verbally testified that it was probable that the wheel bearing incurred damaged from the impact.

I called my States Insurance Commissioner who opened a claim on the way Geico has handled my claim and notified me to tell Geico they were under investigation. One hour after I notified Geico they were under investigation, I received a call from Geico stating my claim has been reopened. Since that date, Geico has requested phone records, witness testimony from people who were not present during the accident, but knows when the accident occurred and multiple testimonies from me. They have been extremely hard to get on the phone and never return my calls. They are looking for anything possible to decline my claim.

I think it's interesting the cost of replacing a brand new sports car door (probably a couple grand at least) is far less than the scratch on someone's old bumper that's already loaded with scratches anyways. If I want to use my comprehensive, I still pay a $500 deductible and my insurance rates go up. Guess I'll chalk this one up to sometimes when you save money, you honestly get what you pay for. I will not be renewing, or recommending GEICO to anyone. Oh, and so you know, it's not okay to have your door open even a couple of inches when you're parallel parked - you will be held liable for any random car that crashes into you. Thanks for letting me vent! And I let it go!!

My insurance company USAA has taken over and they will recoup the money from Geico she told me. I'm grateful to have USAA on my side. I feel so alone in this. I'm now going to a chiropractor 3x a week to help me with the pain. The field adjuster called me today and told me my car was a total loss and offered 10,600. USAA said it's not a total loss and that the Value is 12,300. What is wrong with Geico?

Some background, the first time this happened, the shop was busy and it took over two weeks for the work to get done and I had to wait and then extended the rental time. This time the shop is slow, so they are rushing my claim through to get paid. And here is my problem. Instead of you cyborg idiots seeing everybody as a dollar bill, take a minute and listen to people and explain what is going on. I already told them, make it right or I will be gone from GEICO. I will also post to any social media that has an outlet to voice my perspective. I may even start a blog. You can't rush me, I am the customer.

We contacted Geico about the charges and said it was for renewal of the policy. We told them we had a new insurance company because they couldn't give her a good rate and that she canceled them a week ago. They told my wife that they would have to investigate her claim and even with email from Geico showing they received cancellations and that they sent the insurance info to the new company. They tell her they don't have any phone recording of the conversation and with them withdrawing her money without permission, they caused her bank account to be overdrawn -$435.00 and growing daily, Till her SSI check goes in on the 1st which by that time will clean out her account and take away from her getting her meds, and stuff for our newborn son.

I'm trying to see if anyone else has run into this same problem before and what they did to resolve it. This is hard on us as I'm working hard to keep a roof over our heads and she just pays the car insurance and stuff for our son, while I cover all the other bills but the crap that Geico pulled on my wife that was loyal and paid her policy on time every month thru her bank account and they pull this BS on her because she drops them because the rate was too high for someone that has a clean driving record with no tickets and no claims the whole time she was with them. And now they say all they will give her back is $245 when we sent them the bank statement showing that they withdraw $319.00. How dare they keep some of her money they had no right taking in the first place.

And not only that... they aren't covering the correct vehicle that was in the accident. I refuse to pay them another dime in insurance and not only that.. I will have to hire an attorney to get any of my money back... Horrible, horrible, customer service... I will never get insurance through this company again... nor would I ever recommend to anybody. Something has to be done to stop this kind of practice... Oh and also, they made sure they took a payment out of my account today.... which I did put a stop payment on as well.

I do NOT recommend GEICO. Any company that will not listen to reason and will not accommodate such a minor request is not worth having. I use AAA. Primarily because when I was hit by someone who had AAA it was such a painless experience to get my truck fixed. So I switched, coincidentally enough, from GEICO to AAA. Now I have better insurance that costs me less and is far more accommodating.

THEN I ask the gentleman to please set me up to have a rental car sent because I knew my car would not be able to be driven 3 hours back to our Orlando area residence. I am then told we do not have rental car coverage on my policy (problem #4). Well, that's kinda funny, because when I set up my coverage, I told the woman to set me up with ALL the "bells and whistles" because you could never be too safe. Guess rental car coverage isn't included in her idea of "all the bells and whistles"... Anyways. I said okay, well then how about the tow truck, because he will be bringing the car back to the Orlando area, we could hitch a ride with him.

Here comes problem #5!! The woman asks me who is with me, and I told her that I had myself, my partner, and our two dogs (small show dog Boxer, under 40 pounds, and our 4-pound Yorkshire Terrier). She put me on hold... for twenty minutes (let's just make that problem #6) and then comes back to tell me that it was against policy, that only 2 passengers were allowed in the cab... I then asked her what she thought I should do, since that didn't make sense to me because what did she suppose I do with my two dogs that might as well be my children... She didn't have an answer and told me to please hold (problem #7) for another 20 minutes. (BTW, my phone is about to die at this time, and keep in mind I'm still sitting in the median of I-95.. with 70 MPH traffic on either side.. sounds just peachy doesn't it?)

After getting back on the phone, she then explained that it was "just policy" BUT (and here's the bright idea of a smart minimum wage paid GEICO EMPLOYEE) that I could leave my dogs strapped in the car on top of a flat bed truck, traveling on I-95 at 70 MPH, WITH the windows up (because it's during a downpour). Well, I wasn't aware that GEICO was a company that condoned animal cruelty, because I wasn't sure if you guys knew, that it is ILLEGAL in the state of Florida to leave a dog (just like a child) in a locked car with the windows up... (problem #8-#10). Okay, so let's keep going...

We then decide to just try and wait on the tow truck and see what he says, and if he doesn't take the dogs, then I just might have to stand on the side of the road with my two dogs and wait for a taxi to come get me, since that seems safer and more reliable than the service and the companies affiliated with GEICO... Alright, so about 3 hours pass and I start to worry... The state trooper has already left us, because he's even concerned with sitting on the median of I-95 in the middle of rush hour with 70 MPH traffic on either side... (feel my aggression yet?) I then call the 800 number back to see about the tow truck... and they tell me that the tow truck can't find us, and has returned back to the shop because he "couldn't get a hold of me" (that's a detail you should remember) even though I have been sitting in my car (and here's where I remind you) on the MEDIAN OF I-95 WITH 70 MPH TRAFFIC ON EITHER SIDE!!!

So then I call the state trooper and ask him what the mile marker was and he looked it up and gave me the numbers 335 & 336. So I then give them that information and they tell me that they're sending him "right out"... Okay, so here goes by another TWO hours and he hasn't arrived (problem #11ish). So I call back, and they tell me that he should be there in less than 10 minutes... AN HOUR LATER (problem #...12? maybe, I've lost track) he gets there and puts my partner and DOGS in the cab right away to get them out of harm's way, and safely puts my car on to the flat bed in a timely manner (THANK YOU. TOW TRUCK MAN!! ) So we FINALLY leave the accident site at 6:30. Did you add that up?

That was over FIVE HOURS THAT I WAS SITTING IN MY CAR IN THE MEDIAN OF I-95 WITH 70MPH TRAFFIC ON EITHER SIDE!! Well... That wasn't a fun experience at all, and YOUR EMPLOYEES didn't help one tiny little bit. With no help from your company I'm finally on my way home, with my two dogs and partner. Remember that detail from earlier? About the time I finally was SUPPOSEDLY had a tow truck coming my way? Well the tow truck guy randomly mentions that they did not receive the call to come out until 3:45 *screams* Ahem, anyways, I finally got back to the Orlando area around 9:30.

Here's day two, (10/08/2013 for those that haven't kept up). I call in the morning to set up an appointment to have an adjuster come out to assess the damage to the car so I can get it fixed. After talking to a woman for a few moments she tells me that they WILL NOT be sending a tow truck to pick up my car to bring to the dealership to have it accessed because they already have deemed it TOTALED (problem #12). Well, that's funny, how exactly would you know that if you haven't seen it? Humph. I then explain that the reason we could not drive it yesterday was because the front and back bumper were hanging off, AND I have two bald back tires. That does not mean it is Totaled. So then she said, "Well if it isn't totaled, YOU can drive it to the dealership (problem #13)" OH MY I wasn't aware that a car was either totaled OR perfectly safe to drive...

SO, then after her threatening to hang up on me, because I just so happen to get angry because of the way this whole situation has panned out (i.e. LOOK ABOVE) I talk to a supervisor and he sets up a tow truck to come out to the residence that the car is located to bring it to the dealership and that the tow truck should be there around 12:30 or 1:00.. awesome, things are looking up, Right? WRONG!!!

Mind you, this isn't my residence, it's my partner's, her residence is 20 miles closer than mine from Jacksonville. So I go there, to wait for the tow truck... and next thing I know, it's 3pm and I haven't seen a tow truck!! (problem #14) I call, and I'm really trying to be as patient as possible, and they tell me that the tow truck couldn't find us and apparently called but couldn't get a hold of us (no missed calls, and I'm doing nothing but sitting around waiting for the tow truck, MISSING MY WHOLE DAY AT WORK). SO, they send out another one and he'll be there shortly. Did you know that dealerships close at 5 most of the time? And that usually when you have a bumper falling off a Mazda RX 8, it's kinda hard to pick up with an everyday tow truck? Think about that for a second...

At 5:55 an EVERYDAY TOW TRUCK pulls up and I just have to laugh. I show him my car and explain that just isn't going to work, he agrees and leaves. Ten minutes later I receive a call from some lady at the tow truck business telling me that a) the reason they send out that truck was because they didn't have any flat bed trucks working that day and that the truck that was sent out was the first available slot all day. (Then why would you send one out anyways? Just for ** and giggles? Doesn't seem to smart OR efficient to me.) She insists on calling me SIR even though she confirmed that my name is CRYSTAL and did you notice what she said? The first truck available? What happened to the truck that couldn't find us and couldn't get a hold of us? Seems a little off to me.

It's been one lie after another from you guys, and I'm really tired of the runaround and really unsure of what exactly I am paying you every month for. So here I am now, with a car still sitting with busted bumpers and bald tires, telling you, GEICO, that I am VERY DISSATISFIED with your customer service, but as well, if I am not contacted by the end of the business day tomorrow (10/10/2013 if you couldn't keep up), I will not only be setting up a cancellation date on ALL of my policies that I hold with you, but as well I WILL be contacting my lawyer to seek further resolution.

We have also been waiting a month for my car now and they tried to give it back to me half **. They did the bare minimal and didn't even fix the deep scratches, just painted over them. I mean in every aspect Geico is a joke. This isn't even the half of it but I'm sure you get the picture. Every employee minus a "G" who was helpful in just calming the matter claimed to be a supervisor but yet is unheard of and I can't reach her again. Seems to me until they get papers from an attorney they could care less about anyone or anything other than collecting a paycheck (which clearly must suck) because they all seem to hate their jobs! BY THE WAY.. I know you have recorded conversations to look back through, so I'll just give you the names of the wonderful employees you should really consider retraining... Crystal (In your accident towing department), William **, Jazmine, Andrew ** - Adjuster

Geico informed me that after they pulled up my website and also saw I had a business license, the underwriters decided to drop my policy without notice. Geico informed me that a letter was sent to me stating this would occur. I informed them that I NEVER RECEIVED A LETTER AND WHY WAS THIS NOT ADDRESSED WHEN I SPOKE TO THEM 2 WEEKS AGO. Geico stated they were sorry and I could not get another policy with them for an individual, I would have to get a commercial policy. I informed them that I don't have the business and I could provide a letter stating the business is not in service. They informed me that I had time to respond to the letter. I ask them why would I pay attention to any of the letter they send me and not contact me by phone or email for I received several pieces of information every week from them for advertisement. I am very upset!!! I always pay my policy on time for years and this is how they treat their customer and cancel my policy leaving me insurance less for no apparent reason.

She then gets that other person on the phone for information on three-way and states that it will bring my insurance up to 156 a month and how my friend should pay that because it is her fault that the quote went up in the first place. This should not have gone the way it did and the rep was very unprofessional. That was the worst experience I have ever had. I then called back, cancelled my policy and got refunded for all my payments. I now have Farm Bureau for 86 a month full coverage with both our names on the insurance that is way better. That woman should not work for them at all.

I told him that I did not appreciate him interrupting me in mid statement and as a consequence of his demeanor, I am seriously considering taking my business elsewhere. I was fortunate in that because of Timothy's distasteful manner. I was determined to look into other companies. I found that Allstate had a program that provided low mileage drivers a policy and that policy covered both of my cars for a total of $558 per year. It is minimum coverage but in my circumstance, that's all I need. GEICO's rate for the same coverage is $681 per year. I hope it's obvious to GEICO that because of Timothy, I'm going with Allstate. I just can't justify paying $123 extra for Timothy's arrogance.

In closing, I need to say that in the process of all of this and after speaking with Timothy and getting quotes from a couple of other companies and even after my negative experience with Timothy, I decided that I would see if GEICO had a better rate. They didn't! I spoke to a young lady (Rhoda) from GEICO who lives in Hawaii and who graciously and courteously spent time to generate a quote (subsequent to my conversation with Timothy) of $681/year. My present policy ** was costing me $994.6/year so that's a savings of $314/year. Not bad! But, once again, mainly because of Timothy's attitude toward GEICO's customers, I am severing my relationship as a customer of his company. Nor will I recommend the company he works for to anyone I know.

Now, Oct 2013, I swapped out another vehicle on my policy for a new 2014 and was offered the same MBI insurance and was told I needed more coverage since it was a leased vehicle and was required by the lender. I had my lease in hand and the representative clearly was using a sales tactic on me and I told her the lease stated the coverage requirements and they were way lower than what she had quoted so she proceeded to insist on the MBI. I specifically said that I do not need or want it...Again it is a new vehicle with bumper to bumper coverage and I had purchased additional coverage from the dealership on both my vehicles. So I just received my revised policy and I HAVE MECHANICAL BREAKDOWN INSURANCE on BOTH vehicles.

I am so irritated! I called GEICO and spoke to a nice person who apologized over and over for the shady actions of her fellow co-workers but I cancelled my policy because they would not refund all of my money for the MBI that I did not ask for...this company knowingly sells product to people that they don't even need...even after it has been declined in a very upfront way. I would never do business with them again! I would rather pay more to a reputable company than deal with shady people.

Guy didn’t have a loaner for me, told me to call customer service for one! I had to walk over a mile with back injury to get home. From body shop, I chose. Waited another 2 days for a car I had to go pick up. Medical adjuster kept harassing me to settle and threatening they won’t pay if I don’t see a doctor immediately. I explained to him I went to the ER and I was looking for an orthopedic doctor in my new state. I wasn’t going to any quack simply because they wanted to close their file. I saw the Ortho the following week and was told to go to physical therapy as I had whiplash.

Money offered by GEICO wasn’t going to cover that cost so I didn’t get the physical therapy and am feeling it now. Medical adjuster kept telling me what was considered normal for my type of accident (so their doctors now too), insinuating I was trying to take them (it seemed)! He also told me I would have to speak to another adjuster to get reimbursed for time off work. He also kept pushing for my personal insurance to pay the hospital bills and I assured him they would bill back to GEICO as I instructed them to do.

Wanting this whole pain behind me I made the mistake of settling on the medical before my car was fully repaired. Friday I signed on the medical settlement which was close to nothing and did not cover my time off work (which I can’t get because verbiage on doc says all claims, he told me that was only med claims, lied). The following Wednesday (when my car was due to be ready), I get a call from some guy named Jared at GEICO and he makes a stupid remark about how I must be from the east coast because there is some rust on my exhaust pipe, and tells me that I need to pay 1/2 the cost (my share - 897.00) to get it fixed, because they are bettering my car by putting new exhaust.

I said absolutely not! I am not at fault on this accident. I was stopped in traffic and their client is 100% at fault. I should not have to pay out of my own pocket to fix damage simply because my car wasn’t new (which was the other thing they said when I questioned their thinking). I went to the body shop and took pictures of my exhaust and asked the body shop owner if he would need to replace the exhaust if there were no rust on the pipe and he said yes, because the guy hit me so hard that he bent all the exhaust piping, which bent my catalytic converter and broke a piece of the muffler off.

He didn’t think I should have to pay anything and told me he saw them do this to another client who had to go to small claims court; suing the person who hit her. I tried calling the regional manager and only got smart Alec people answering the phone and trying to push me on other people and they all said the same thing, it sounded like a script. I called the State insurance board and asked what rule is on the books that allows them to charge the victim like this. They called me back and said there isn’t one.

Sometimes this happens in civil cases but has nothing to do with the state insurance code and they encouraged me to file a complaint. I filed with them, the State’s Atty. office and the Consumer Board. I also contacted a friend who has been doing claims for over 15 yrs for a large carrier and he told me this is called Bad Faith practices. What they are doing is ** and I shouldn’t have had to pay a dime. To make matters worse the loaner I had was only going to be mine for another day and there was a hold on my own credit card for that car even though it’s all supposed to be covered by GEICO.

I wrote a letter to the president of the company, Tony Nicely, and sent it certified mail today, not sure it will do much. I got a letter in the mail today from another loser from GEICO advising they received my complaint from the insurance board and basically told me the same crap - my car was older and they told me so, blah, blah, blah. It’s a 2005 well cared for and no issues until accident. I paid to get my car fixed using the money I got on the pain and suffering, so they made their money back like they wanted, it was almost to the penny. My car is not the same; my wheel doesn’t straighten out by itself like it did before. I didn’t get paid for time off work and they refused to provide me diminished value.

I’m so angry because the guy who hit me was a liar to start with and the car was his mom’s or so he said and was very old and beat up, so I know he probably wouldn’t pay me the money even if I win a case. I am all for a class action lawsuit against GIECO. They are criminal and it needs to stop. The guy who hit me has no idea the crap I have gone through (A month without my car and fighting with GEICO to get it repaired and my car not the same) and probably thinks he is covered but GEICO is screwing him because now he is getting sued and he thinks his insurance covered him, as it should have. They are beyond horrible. DONT USE THEM!!!!!!!!!!!!!!!

I received a later dated 09/27/13 welcoming me to GEICO with banking agreement outlined. The day before the letter arrived GEICO called my residence and said they were sorry but they changed their mind and were cancelling my policy as upon review they decided I was uninsurable. I was shocked and asked the reasons behind the sudden change when I had a policy with them less than a month ago. The rep said they treat every policy as a new one and review it. Because I had a claim on the prior policy and I had a lapse (cancellation) and they did not like my past driving record.

I replied that made no sense as #1 I had to cancel my policy as the car was no longer registered; #2 my claim was a cracked windshield and I do believe it's against the law to drive with a cracked windshield; #3 my driving record which was not good, was the same as it was when I had my policy in the spring. The prior speeding tickets and offenses were over 4 years ago and there were no new charges.

After arguing my point it basically came down to the fact that whomever insured me before with GEICO did not check my driving history and they all of sudden decided I wasn't worth the risk to insure and should not have been insured before. YET - I was accepted on the prior policy and had a letter arrive the next day welcoming me for my new policy. They give and they take it away. Makes no sense to me that I was welcomed twice then kicked out. Good way to do business. Welcome to Massachusetts GEICO.

After a week and a half and no communication from Geico, I called the shop. I asked what the status was and what exactly they were doing. Veronica from the shop, no affiliation with Geico, was very helpful. She emailed me the full report of what the Geico representative ordered to be worked on and Veronica went over each item with me line by line. Veronica was very friendly and helpful. Upon going over the report, I noticed that only the front end of the car had been inspected and repaired. Although majority of the damage was in the front end, since I hit the back of the car in front of me, I was concerned about my driver door. Veronica gave me the estimator's (Marcos **) cell number and I immediately contacted him. He didn't answer so I left a message.

Two days later, he returned my call and I asked him why a full inspection was not conducted. I told him that the two cars in front of me lost license plates and parts of their cars (as did I) and that I remembered things flying past me and hitting my door. Marcos told me that it wasn't possible for the items to fly past me and hit my car in the midst. He then told me that he wouldn't fix the top of my car where my paint was all bubbled because that wasn't part of the accident. I didn't even mention the top of my car! I told Marcos that I was not going to bring up the bubbled paint because it has been a problem for the past year and that I'm not stupid. I understand that car accidents do not cause paint to bubble. Marcos was extremely passive aggressive with me and his poor customer service skills were surprising to me. He didn't want to hear my story, nor would he compromise in any way, like a good customer service representative would do. Good customer service is listening to the customer, trying to understand the situation, and trying to rectify the situation.

A week later, I received a call saying that my car was ready. At this time, my car has now been in the shop for three weeks. I went to the shop to pick up my car, but immediately saw the large dent in my driver door. I told them I wouldn't pay for it since it wasn't properly fixed. Veronica then advised me to contact Marcos' supervisor, Marc **. She told me that he should have emailed me. Later that evening I found out that he had emailed my husband and my husband never brought it to my attention. I emailed Marc **, telling him that I had a concern before I could pay for and pick up my car.

I also replied to his original email sent to my husband. It was a survey on Marcos **. It consisted of four questions: 1) Did Marcos contact you prior to inspecting your vehicle? 2) After inspecting your vehicle, did Marcos contact you and review the estimate? 3) During the process, did Marcos answer all your questions and advise you of our goal to provide industry leading customer service? 4) If you had to call Marcos, did he answer the phone, and if not, did he return your call in a timely manner? Well, of course all my answers were negative. The beginning of this letter explains this.

When I received a call back from Marc, one day later, he didn't seem surprised about my survey email. He told me that Marcos failed in communication, but didn't say anything about bringing it to his attention or fixing the situation, like normal supervisors. It seemed as though he was just going to brush it off his shoulders and didn't care at all. I then told him about the dent that Marcos did not want to fix and more importantly, how Marcos treated me over the phone. I told him about his paint remark and how he was passive aggressive with me and how he wouldn't listen to me and just kept cutting me off during the conversation.

Again, Marc didn't say anything about the customer service I had received from Marcos. He simply told me that he had inspected my car that morning and that he didn't believe that the dent was due to flying objects. He told me that it was a door ding. Now, I have dinged my door on a white pole at the gas station before. And that ding is clear. And it is white. And it is on my door handle. The dent however, is in the middle of my door, where it's concave. Which means that even if I was to hit my door in that general area, it would first hit the part of the door that was convex. That's just my own logical thinking.

However, Marc would not budge and said that I was wrong and that Geico would not pay for it. He told me that they would not work on my car any further because I had not reported any damages. I told Marc that when I first reported the claim that I was not asked to report damages and that not one Geico representative had contacted me after they towed my car away. So I was not given the chance to report any damages or go over the damages that Marcos had found before the shop began working on it. Never being in this situation, I am of course telling everyone about the situation and have been told by numerous people that their insurance companies always call them to go into the shop to go over all damages with the insurance estimator.

Obviously, this is Geico's sneaky way of doing the bare minimum and getting away with lies. I then told Marc that I was completely disappointed with Geico's customer service and that I would cancel my insurance with them. He said okay. Five minutes later, I called Geico. The woman was helpful and told me that I was being treated poorly and that I should file a complaint with Marc's supervisor and the Geico complaint department. She found out who Marc's supervisor was and gave me that information and transferred me to the complaint department. I left a message on the cell of Craig **, Marc's supervisor, because he didn't answer. I also received a very rude voice mail from Marcos that day telling me that if I didn't pick up my car, they would charge me $25 per day.

So I went after work to pick up my car. No one walked me out to inspect my car. They just swiped my credit card and gave me the key. On the way home, I noticed that the front, inside of my door looked off. I compared it to the other side and the driver's side was horribly misaligned. I looked back at the rest of the door and the part where my seat belt comes from was totally out of place and cracked. I immediately called my husband to tell him that we had to turn around. When we got back to the shop, they were closed. So I went home, took pictures of the misaligned door and called Marc, telling him that I was going back to the shop.

One day later, Craig ** returned my call. Geico representatives seem to like to wait a day to call back. I told Craig the whole story, but stressed that it wasn't even the dent that I was most disappointed about. It was the rudeness and passive aggressiveness, and poor customer service that I received from Marcos and Marc. He didn't seem to care about that part at all. He of course wanted to defend the dent and told me that Geico would not pay for it. Seems like all three men cared only about was the money it would cost them.

After three years of loyalty to this insurance company, they couldn't be there for me when I needed them. I also explained to him my new findings of the inside of the door and how I believed that the inside and undercarriage were not inspected at all. He told me that Marc had already informed him of the situation and that Marc had inspected the inside and that there was a lie somewhere, but he could assure me it wasn't with his Geico representatives. So basically he was calling me a liar. He also told me that since the outside of my door wasn't damaged, then the misalignment of the inside of my door must be attributed to something else.

I told him that I believe it to be common sense that when the front end of the car is smashed in, then it's more than likely to push other parts of the car inward, causing the misalignment of my inside door. He again told me I was wrong, but if I wanted to take it back to the shop, they would be willing to fix the misalignment. Gee, thank you. Again, poor customer service from a third Geico representative. Had they done a full and comprehensive inspection, none of this would even be an issue. Or maybe if they had involved me like other insurance companies, I could have brought these issues to the table during the first week.

My car is back in the shop, for a total of one month. Toyota could have probably built 10 brand new Yaris cars by hand by now. I have put in a request to cancel my Geico insurance at the end of my bill cycle, which both Marc and Craig knew about, but didn't seem to care that they were losing a loyal customer of three years. I will continue to spread the word about Geico's horrendous customer service and how they didn't even fix all of the damages from my accident, which is what I thought I was paying them for throughout these three years. I am also missing my car sun shades, which they say I must have lost. Why would I take out my sun shades after the accident when I didn't even have a car??? Geico insurance representatives are liars, unfair, and very rude! Shame on Geico for the way they treated a loyal customer (who was never late in any payments at that)!!!

I could not even tell you what it would be like to have insurance with Geico after an auto accident because I am not willing to go that far... I've had to cancel my policy to protect my bank funds. Not to mention going through the process of having to cancel debit cards. I shopped around and received a quote earlier this year and have just now decided to make the switch and the first day I have insurance with them they have charged me $191 for someone else's unpaid auto policy and are unwilling to assist in any way due to the fact that their name and DOB matches mine. I'm not even sure how they are able to charge something to your debit card that you have not authorized.

Please be aware that their online service is not safe for customers. Whether this was identity theft or just an oversight by Geico when opening someone's policy it has cost me and hope you can avoid this.

After calling around, I found a reputable company that could offer me $1170 a year for my home which wasn't a huge deal but could offer me my car insurance for $485 for the same coverage. This sounded like a great deal so I decided to call Geico and cancel. Once I talked to an agent, they told me that they had to transfer me to the cancellation department. I was put on hold briefly and a gentleman by the name of Michael, I believe, came on the phone. He said he was "sad to see me go" but it sounds like I got a good deal elsewhere. He did want to check a few things before he cancelled my policy. I asked what exactly he meant by that. He told me that he thought that there were new discounts that just started in Texas and he wanted to see if they would apply to me.

After being on hold for a few minutes, he comes back on the line and tells me that I would qualify for these new discounts. He tells me that my current policy would drop from $659 to $450 and my home would now be $1145 instead of $1220. This sounded great so I told him I wanted to stay and I called my new insurance provider and told them to not start the policy. I thought this was great and was glad I did not have to leave Geico but I was sadly mistaken. So last week I received my renewal sheet and my car insurance price went UP!!! I was shocked due to the fact I had not got into any accidents or had any tickets. I had zero claims as well. My car insurance went up higher than what I was originally paying. I was paying $659 which was reduced to $450 last term but on this term, they wanted me to pay $715.

So after reading this, I decided to call Geico and see what was going on. After talking to countless agents, most of them could not tell me why my rates went up let alone why it was higher than I was originally paying. One person did tell me it was a statewide increase which I thought was total BS. I ended up checking around AGAIN for other companies. I ended up going back to company that quoted me 6 months prior and luckily got similar prices to what they quoted me before. I then called Geico to finally cancel my policy and once again they transferred me to another "cancellation specialist". He gave me the same pitch that they did 6 months prior. I told them I was not interested in their "new statewide discounts" and made him cancel my policy. I never felt that Geico was a shady company till last week. DO NOT be fooled by these alleged "newly found state discounts" or that you are rated different all of a sudden. This is a ploy to have you stay with them just to charge you more your next renewal. If something sounds too good to be true or fishy, then it is.

I then called GEICO back and said, "I have her on tape and she said she DID NOT deny hitting me to you." The adjuster said she would call and talk to her. She did call and told HER to NOT talk to me anymore! Haven't heard from them since! Turned it over to MY insurance and now THEY are going after GEICO!! Go get em!!

Long story short, he said that I rear-ended him and I cancelled Geico effective immediately. I have one not at fault and no record of accidents or tickets and the man who hit me has multiple traffic citations including a DUI. All because he had a "witness" and I didn't. The reps have no remorse because they don't care. Geico needs to go out of business and I wouldn't feel sorry if one day they did.

Then last December, I found my antifreeze coolant reservoir almost empty. I had it reverse flushed and pressure tested. Checked out perfect. Two weeks later, I drive to see my family in Colorado. I swerve to avoid a car stopped on the road and ended up in a ditch. I tried to get out of ditch and my engine sputtered and misfired so I popped the hood and saw fluid in my antifreeze reservoir almost empty. I called Geico to take my SRT8 to the auto repair shop. They found the petcock had been loosened and my car was sabotaged before I left Texas.

That was 10 months ago. I am still fighting for the truth to come out. Who can I file charges against Geico or hire an attorney?

After the euphoria died down to a dull roar a couple of days later, I logged into my Geico account online to confirm that my changes were in order. "Next Payment Due" - $498!!!!!!!! WOW! ALL I CAN SAY IS WOW! So after I have regained the ability to breath again, I do a little math. $135 per month the old way, $239 the new way, 19 days left in the month since changing to the new way. That equals the $198 I was told verbally over the phone. Nowhere can anyone work out the numbers and come up with $498 for any single monthly bill no matter what they do given the constants here.

So I call to question them. I was told 8 ways from Sunday in all manner of double-talking, self-contradicting language how I somehow owe them $498 at the next billing cycle, then the $239 per month thereafter. I could see I was getting nowhere I needed to be so I ended the call. Later that afternoon, I called again. I asked the new rep. to please explain to me in detail the mathematical formula that produces $498 for next month and they simply couldn't. I just magically owed them $498 in about a week and a half from now and that was that.

I went online and filled out some auto insurance quote requests. I promptly received phone calls (this is all on a Saturday, mind you) from several reputable insurance companies and worked out a deal with one of them which provided superior coverage for under $200 per month with an initial payment of under $250 to get started. I selected my new insurer, got their direct contact info and told them to save my quote because they would likely be hearing from me within the hour. Now I make my third 15-minute call to Geico.......

Called Geico, gave them all of my info to verify I was really me and when they asked what they could do for me, I replied, "Yes, you can cancel my policy effective midnight tonight." She was very sorry to hear I was leaving and would connect me to someone who could take care of that request for me right away - hmmm, never offered to connect me to anyone else before now, did they? Here is why. They connected me to a tier22 talk them down off the ledge hostage negotiation specialist type. He asked if I would mind telling him why I was leaving, so I told him my story. He was very attentive and sympathetic as I explained the reasons why I was leaving. He admitted there was nothing he could do about the grotesque application of mathematics and inconsistencies between what I was quoted and what they later posted to my account that I owed but he understood that price was also a key factor here and he asked if I would at least allow him to attempt to offer me a new price for my coverage before I made my final decision stating that there might be something he could do and he just wanted to run a few things and see what he could come up with.

I said, "well, what the heck, go ahead." I agree to be placed on hold and in less than 4 minutes he comes back on with "great news": how would you like the exact same coverage for $139 per month, full coverage on both vehicles and roadside, breakdown, and rental car coverage to boot? All I have to do is stay with them and pay $230 something at next billing date, then we go to the $139 for the rest of all eternity. "Okay, what's the catch," I asked... Well, there are new discounts for your state that didn't exist when your policy was first written and I have applied them. Hmmm, very interesting. Okay, you can keep me as a customer. I went online to confirm and there are all my coverages and prices as quoted. $498 is gone, $230 something is next due, and $139 per month thereafter.

My significant other has been with Geico for 25 years, never a ticket or accident. She is the one who originally recruited me in fact. I go running down the hall to tell her what has just happened and to call them immediately to get her rates lowered as she is now paying more for one car than I am for two. She calls, spends her 15 minutes, they will not budge. Every reason on earth why she has to pay more for less than I now do - the best one being that I qualify for a multiple car discount that she does not. Can you imagine that? Because I present more of a risk by having two cars under full coverage, I pay less overall than she does for less risk!

She next contacts the agent we have our homeowner's with and gets an auto quote - really great one at that. Gets it all lined up and ready to pull the trigger and then makes the call - the magic call - the "You can cancel my policy effective midnight tonight" call. So sorry, let me transfer you to our crisis situation specialist and here we go. From $140 something per month to $89. That's it, $89 for full coverage on brand new car plus RV insurance on our camp trailer.

So, how long would Geico have charged us both such higher than necessary premiums when their pricing structure already existed to give us these prices? I think we all know the answer to that. Plus, now after reading many of you other posters' stories, I feel confident that a windstorm or rain shower or rare bird sighting in the near future will take my status from A down to Q and I will get a letter in the mail soon making all of this moot. I have already selected my next insurance carrier and am standing by to switch. But until then, $139 per month for my new 5.0!!!!!!!!!!!

I hope this helps anyone out there. If you have been with Geico for a long period of time, and are considering changing, I suggest following the steps we both did. Get quotes from others, read reviews on their quality of service, etc., make a choice, and then make the call - the magical call - the "Yes, you can cancel my policy effective midnight tonight" call. Worst that can happen, you call your new agent and say, "Let's do this!"

I went to speak to these adjusters in regards to this false accusation and they turned wheels and tried several times to tell me a different version. They accused my customer of fraud as well. We are a smaller company and treat our customers as normal human beings and not numbers. We take pride in what we do. This specific incident, they wrote the estimate extremely low, but we couldn't even get them to come reinspect it. So deciding not to inconvenience our customer, we just repaired at the lower price. When approaching these two adjusters, who did not use a light to inspect the car, they were very unprofessional and rude. Even at one point yelled at me.

We as a company have decided, we will need to make all vendors aware of how bad this company is. When is the State Department of Insurance going to step up to predators like this?

When I called Geico, they explained that their underwriters had decided I was a risky driver, despite the fact that I had been insured with Geico for eight years, had never claimed a penny, and was supposedly still getting a "safe driver" discount. The employee I talked to on the phone helpfully pointed out that I was still getting the safe driver discount, as though that would make me feel better for paying fifty percent more for my insurance. I switched insurance companies and will never go back.

2 months later I had to renew my policy. My premium rate was $112.49 a month for full coverage with $100 deductible each, my coverages for NO good reason jumped to GEICO quoting me $168.00 a month for the same coverages!!!! When I asked the GEICO representative she said that everyone rates are going up in my area. I said, "Oh really?" Then she said, "The rates might also be to that claim that you filed"!! I said the claim that was a hit and run and not a claim that was my fault? I was so upset? After I hung up with GEICO and started looking for rates quotes.

Very pleased to hear from these insurance companies like State Farm who told me that your insurance should have NOT gone up because of the hit and run!!! Also spoke with Progressive and they asked me what GEICO paid out? I said they paid out $592.96 for the claim! (I have the whole estimate from GEICO) they said that shouldn't made your rate go up either unless they paid out a $1000 or more on a claim!!! So I know GEICO is lying to me now trying to charge me all that money a month on something that wasn't my fault!! Anyway got a great deal with State Farm $101.76 a month for the same coverages I had with GEICO. Beware if you have GEICO and have to file a claim that is NO fault of your own. Even a small claim!! Your rates will go through the roof!! Buyer beware.

They wanted the total the car based on their mechanic's (a repair shop with a really bad reputation in my neck of the woods) based on their bill. The difference between my mechanic and theirs was nearly triple. GEICO's mechanic duplicated labor costs in their estimate, added work to a section of the car with NO damage and was not even impacted, paint the interior of a panel that is not even painted in original manufacture of the vehicle and the list goes on.

I asked to file an appeal and they mouthed off at me and claimed my mechanic was not licensed without even seeing the estimate or knowing which shop I used. They tried to threaten me saying I was going to kill myself or someone else driving the car. When I asked why the sudden change when they were insistent I drive the vehicle for over a week almost 200 miles before they would even look at it. The adjuster asked me to sign the title of the car over to her and she would write a check claiming I had no other choice. I looked closer at the vehicle valuation and that's when I saw they did price comparisons in another state where the cost of living is much lower. I pulled vehicle prices and the discrepancies were about 1/3. Essentially, they lied about the vehicle damages and lowered the value of the vehicle using a different market to try to total the car.

I called the State Department of Insurance and they said I had the right to file an appeal and I did so with corporate. While this is all happening, the claim adjuster is leaving threatening messages that she will have my policy canceled and blackball me from having insurance with any other carrier if I do not sign the title of the vehicle over to her.

Geico corporate sent a supervisor out who was just as much of a fast talker and refused to put anything in writing. He admitted that features and condition of the vehicle was miscalculated and thought I would be happy with another $150. He refused to explain why they used another market the value the car, refused to explain the bill padding by their mechanic, refused to pay the lower amount I was asking for (my mechanic's estimate minus deductible). They also refused to acknowledge or explain why I would sign the title of my vehicle over to the claim adjuster.

The State Department of Insurance sent an investigator, and they refused to respond to the state investigation.

In the meantime, it had been over 3 months and they had the car held hostage and refused to release it so I could arrange for repairs. Mind you, even though I was involved in these negotiations, the claim adjuster was still calling and harassing me to sign the title of the vehicle over to her multiple times a day. I recorded a total of 35 voice mails and over 100 hang up/missed calls on the phone while trying to work with corporate.

The claim adjuster wanted me to go to this rural out of state location to buy a new car sight unseen to this dealer that would exchange a car for me signing over the insurance check to him. She had no idea the make, model, mileage, or any other information about the car. I called the dealership pretending to be a new "GEICO adjuster" and he offered me the same deal for referral fees on 10% of his total commission. He said he exchanges the check for the lowest clunker he has that won't sell on the lot.

I gave GEICO corporate a final written notice to either pay the claim at the lowest repair cost, or pay the total loss based on the calculations in my state. (I had a licensed adjuster with another company run the comparisons to verify my numbers and I was dead on). I gave them 1 week to release the vehicle before I notify the police they stole it and file a criminal complaint.

I got the car back. The tow truck driver they use told me that he drove the car onto the flatbed and nothing was wrong with it. He also said that the GEICO claim adjuster and the body shop have a deal, especially with older cars that have solid engines and were well maintained. They strip it for parts and wind up making between $6-7K on the parts and scrap metal and each of them take a cut. That's why she wanted the car in her name. One would think GEICO would want the evidence their employee and body shop partner was scamming them to pay more expensive claims... GEICO called in response to my letter and said that I had to stop telling lies because I had "sour grapes" and that I should be happy I get the opportunity to buy a newer car.

I changed insurance carriers, got the car fixed and it runs like always. Nothing was wrong expect the dented bumper and one of the panels and light fixtures. No leaks, the frame was not bent. The car was not even knocked out of alignment. The new carrier even saved me money on both my cars!

When I canceled GIECO the retaliation and threats began.

I first get a letter from American Bankers Insurance out of Florida. They claim I purchased a homeowners policy from them and I authorized them to automatically debit money from my bank account. I call the number on the mystery letter because I never had insurance through these people and I do not own a home (I am a renter). They had some automated call system where you can not get to a live person.

I call the Department of Insurance and get the name and phone number of the corporate office in Florida who is responsible for all business in my state. I call the contact and the woman refuses to answer any questions about the policy and who authorized it or any other information about that automatic debit and what account number they were provided. I was concerned about ID theft at the time. The woman was really nasty and told me to hold on while she pulled the account number off the letter, she put me back in that automated system. When I called back, I kept getting her voice mail. The operator told me the woman left instructions she did not want to take my call.

I bring the letter to my bank and we close the account, I get new ATM cards and the bank starts filing some report because the automatic debit letter was not written the way it should be under Federal banking laws because it did not identify the last 4 digits of the account they threatened to use.

Two weeks later, I start getting harassing calls from GEICO that they tried to charge my account and my card was no good and they said if I did not give them $$$ within 24 hours they were damaging my credit. The $$$ was the same as the $$$ this American Bankers Insurance threatened to debit. I check it out on-line and they are affiliated somehow. GEICO retaliated with the cancellation I placed on the auto by selling my information and claiming I bought a new policy for a home I do not even own. Makes no sense to me, but I reported it to the State Department of Insurance asking they help track down my signature or electronic entry authorizing the purchase of the policy. The point is... there will be none.

GEICO started sending nasty emails because I did not renew my auto. I sent an email back explaining exactly why I canceled and their lack of customer service and shady employees. I told them I did not trust them and I did not want involved in their company. They started threatening by email to make me "uninsurable" falsely claiming I did not meet my obligations. My current carrier was shocked when I asked about the email and I sent a copy to them. They said they would tell them there was no lapse in coverage as they started my new policy a month before cancellation and in fact GEICO owes me a refund for 38 days coverage overlap. Another letter of complaint to the State Department of Insurance.

I started getting harassing calls again today calling my cell phone AND my work phone about that mystery homeowners policy making more threats AND they had the nerve to send a "late payment" notice on a policy I never had. As soon as I get through that round of calls, they start calling again threatening to call the police and tell them I was driving an uninsured vehicle unless I gave them a credit card number. I told them again, I have a new carrier and they said they had proof I was not covered through some state run program and said I had to pay them or I would go to jail but once I supplied proof of insurance they would reimburse any unused portion. I said "oh Really" and asked for that 38 day credit ... they hung up on me.

I get home and I have a PINK envelope notice from GEICO telling me they were damaging my credit for NON PAYMENT of Premiums and cancelling my policy. Thankfully the new carrier policy and insurance cards arrived at the same time today....

These people are a piece of work.

Original Review: Aug. 13, 2013

When you live in BFE, Idaho, you get used to not having people understand that you just cannot drive 15 minutes to another town and have someone take care of THEIR requests. Worse is when you talk to "Barbie" or "Tawny" and they can't understand someone lives outside of SoCal. When you try to explain, they get even more "valley girl" and start throwing the empathy training crap your way. GO ANYWHERE BUT HERE!!!

After getting the police to show up as the driver would not give me any of his personal information which they could not file a report I argued with the Geico claims rep over the phone many times and finally received a letter stating they are not paying for my damages. Even went as far to say I was cutting through parking spaces and in fact hit the Sue. Anyone with a brain to see there is no way I could hit the Vue as my damage was on the right front side.

I even supplied witnesses whom were passing by and noticed the accident in the parking lot. Geico is a horrible insurance company and I would never recommend anyone to be covered by them for any type of insurance. My deductible was 500.00 the total cost to repair my car over 3000.00 and a charge for a 30 day rental car. I have all the paperwork from this accident and would like to recoup the total cost to repair my car, the deductible and the rent a car.

My monthly payment was scheduled for the 27th and it was made - Geico cancelled my policy after 3 years and to reinstate it, they wanted 6 months paid in full! I refused and went to Nationwide! Beware of Geico!!!

After asking me the same questions as those asked online, (to which I inquired as to why) she again told me it was to make sure they were offering me the best rate. She came back with a rate that was 90.00 higher than the quote already given me. All my answers were honest. I've only had one violation in the last 3-5 years and that is all!! This is absurd!! That little lizard makes the perfect spokesperson!!

Why would I get out of my car at a red light, check for damage, and have words with another driver if "no one" hit my car? I told Geico that there was a red light camera at the scene of the accident and they told me that they don't get the red light camera unless someone was seriously injured. Then I was told that I would have to wait until the other driver was arrested for the hit and run before they did anything about it. Finally when the police informed me that the other driver was arrested, I called Geico to let them know that they could get confirmation with the police station that the other driver was arrested.

Three weeks has gone by and I did not receive a call back from Geico so I decided to call them. I was told by the claims rep who was handling my case that she called the number that I gave her (and she already had it on file because she repeated it back to me. She has called that police station once before) that no one had answered the phone when she called. LIE!!!! It is a police station!!!! It is open 24 hours/7days a week including holidays! So I told her that was an unacceptable answer and to call back and please call me when she gets through.

This accident happened April 17th and it is now July 30th and nothing is resolved. I am guessing they are giving me a hard time because they want me to lay out a deductible for the repairs so it's less that they have to pay out. Not going to happen! I was rear ended while stopped at a light. This is clearly a third party claim and should be handled as such. Shame on you Geico. What am I paying you every month for? Nothing?????

I followed up on Geico's associate's instructions, and soon after, delivered the car to the body shop, as well as rented a rental car. On about July 2, 2013, an auto damage adjuster on Geico's behalf was sent to the body shop, inspected the car and the damage, evaluated it, and presented Geico and myself with a complete report, among others, as to the extent and costs of repairing the damages to the car. To my regret, since July 2, 2013, the outstanding service which Geico's personnel promises during each phone conversation I hold with them, is not being delivered. Not only that I am not getting any service, Geico's personnel are communicating to me contradictory information as to when my car will be repaired and ready, as well as to the extent of the coverage of my policy (in particular, the rental car coverage).

In addition, several messages I left on Geico's personnel's voicemail boxes (and at this point I prefer not to name people) were ignored and left unanswered. Apparently, at some point in time, Geico decided to reinspect the car, via an accident reconstruction specialist; following that decision and despite a promises by Geico's personnel that a particular inspection should take place within approximately 24 hours, the actual inspection was delayed by several more days, and its results are yet to be delivered to Geico and me nor there was any initiative on Geico's part (or anyone on their behalf) to contact me, and/or to put that saga to a finish.

We are nearing a month's period since the original accident, and Geico is not any closer to resolving my claim as than it was approximately a month ago. The way Geico has handled my claim thus far is substandard, and is well beyond any reasonable time for such claim. I urge Geico to act immediately, repair my car and bear all costs for rental with no further delays in order to minimize damages. I must emphasize again that I am disabled, I need my car, and Geico is trying to wear me out. I was also informed by a few people that the "special reconstruction investigation" is a common practice at Geico, thus, delaying settling claims.

My policy remained canceled even after the payment finally reached its proper destination within Geico, I learned tonight after calling in. The customer service rep didn't see why it was such a big deal since it was now reinstated. I told her I want an investigation into what happened - that I count - that I matter. She said a supervisor would call me within 24-48 hours. If I were running Geico, I'd want a supervisor calling the customer within 5 minutes. All these corporations care about is the "equity." We as customers don't matter.

The worst part is because the Geico Insurance wanted to spend less on our claim, they didn't let the body shop use original part and the body shop is supposed to use aftermarket part instead of the original part. However, those parts have warranty with Geico. Anyway, I had the accident about eight or nine months ago and the only reason that I've written this review is because I'm still going to the Mike Calvert Toyota for my accident, and the body shop guy in Mike Calvert Toyota never answers me correctly. The only reason is if the adjuster in Geico did his job correctly, for sure my car was totaled and I'm really upset about it. DON'T GO WITH GEICO. You may spend less but when you need them, THEY ARE NOT HELPFUL.