MY BAD GEICO INSURANCE EXPERIENCE !

I was looking for a cheaper rate on my insurance of 3 cars when I decided to give geico a call , I couldn't believe it, I would save over $ 225.00 every 6 months with them if I left my agent I had for 10 years with Allstate Insurance.

Well I decided maybe change was good, boy was that ever a mistake, it all started with a letter saying I need to get my windshields inspected, never did this with any other agent or insurance company, so I called them and basically told them if they want to see the windows, they can send someone out cause no way was I going to drive all three vehicles to the inspection station that was 37 miles away. After a conversation with their supervisor they said to ignore it.

Ok

Then I get a letter several weeks later saying they need information on a person who at the time I was to marry. boy this was even a bigger mistake. I told them that the person NEVER LIVED IN my house and only drove one of the vehicles once in a month to the local store if that, and in fact we were no longer together so I couldn't supply this info and I DON'T WANT them on the policy.. Well they came back and said, we have to have this information or your rate will go up or we may even cancel you, I told them they were crazy, this person should not be on my policy and I don't want them on it. they said you have to have all people in your household on the policy, after telling tem again THEY DON'T LIVE HERE AND NEVER HAVE, I decided I was getting NO where with GEICO and it was a big mistake leaving my old agent. DON'T GET ROPED IN BY LOW RATES THAT ARE TO GOOD TO BE TRUE. GEICO customer service was terrible and I wonder what actually making a claim would be like if I had these problems..

GEICO INSURANCE IS TERRIBLE AND CUSTOMER SATISFACTION IS NOT HERE .. I AM TOTALLY DISSATISFIED. I WOULD NEVER EVER TELL MY FREINDS TO GET GEICO NEVER......maybe my enemies yes.

Reply to
Nospam
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Well, they DO have a slimy little lizard as a spokesperson.

Reply to
Herb Kauhry

I'm what you call "over-insured"..... I stopped shopping price a long, long time ago...... Matter of fact, I refuse to buy direct and prefer using a broker.....

Before you brand me a fool...... there are several unfortunate incidences that stand out well in my mind. We once had the apartment upstairs (undergoing renovations) suffer burst water pipes. I was away from home and my loving bride was all alone with this seemingly unsurmountable problem. A

2AM phone call to the broker had her in a hotel with the admonishment that if she needed any money to let him know. A hand written list of our damages was all that was required and we were re-embursed in what I can only describe as "suddenly".

On a slippery road, another motorist locked up their brakes and slid into my pick-up. Nearly a year later, I was presented with a $300K lawsuit...... I faxed the papers to my broker and haven't heard anything since (and my rates didn't go up any more than any other year).

Do I pay a lot for insurance? Yep..... but what price do we assign to piece of mind.

I can't speak for your experience with Geiko.... after all, we have one side of the story, no corroborating evidence and a dubious return address..... not to mention the fact that you felt it necessary to post the same message to something like 42 newsgroups.....

There are still a few relatively intelligent folks left and most of us can see a vendetta fairly easily..

Jim Warman mechanic @ telusplanet.net

Reply to
Jim Warman

Maybe they are asking you this to protect their butts. Probably the reason why they are cheap, because they thoroughly investigate all of their new policyholders to prevent fraud. You should not take offense to it. I've had Geico for 10 years and have no complaints. Sorry to hear your bad experience.

Reply to
SizzleMP

I've had great experience with Geico (including a couple of claims).

Reply to
the tall one

Low price. Good service.

Pick one. == Insurance is one of those things you should not choose by price.

Reply to
Bill Funk

..

I'm with Jim on this one. But in my case, when I switched all of my various policies from several direct policies to a single insurance agent who bundled them into one combined policy I ended up saving a bunch of money, plus now get the highest level of service.

-Fred W

Reply to
Fred W.

Ditto, Fred.... all of ours are on one tab - that's the Ex, the Supercrew, the Harley and the boys quad..... The Supercrew and the Harley are the only ones that get collision and none of them get glass coverage. In our area I can replace windshields every second year for less than glass coverage costs.

All my coverage comes due at the same time... one simple payment. If there ever is a claim or other concern, the broker is on my side. He makes sure that whatever unfortunate event has occurred has as little impact as possible and has always made sure that the carrier treats me well.

We've been with the same broker for nearly 30 years - the few times we have shopped his pricing, the dollar difference wasn't enough to make us jump ship. Indeed, the devil we know is much better than the devil we don't...

Jim Warman snipped-for-privacy@telusplanet.net

Reply to
Jim Warman

don't always assume, however, that this will always be the case Jim.

I had several policies with one company (homeowners, auto, life) for about

30 years (won't mention name, but initials are State F...). When I had a major claim, the company could have cared less when I changed companies. Ditto the agent, who at one time lived across street.

All my coverage comes due at the same time... one simple payment. If there ever is a claim or other concern, the broker is on my side. He makes sure that whatever unfortunate event has occurred has as little impact as possible and has always made sure that the carrier treats me well.

We've been with the same broker for nearly 30 years - the few times we have shopped his pricing, the dollar difference wasn't enough to make us jump ship. Indeed, the devil we know is much better than the devil we don't...

Jim Warman snipped-for-privacy@telusplanet.net

Reply to
stevef

That is not the same thing. I (and I think Jim too) was talking about an independant agent (or broker) who sells a package of policies from one company to me. That's different than someone who is tied to their parent company and has no room to negotiate for better rate or treatment for his/her customers.

-Fred W

Reply to
Fred W.

Many years ago, I applied for Geico insurance on my van. I was in the Navy, and had been insuring with my hometown State Farm agent. GEICO ("Government Employee Insurance Company") was really looking to sign up Active Duty military for great rates, so I dumped SF and went to the local Geico office. At the time I was a 20yo single male, no tickets or accidents.

I paid them $360 cash in their office, and they wrote me a binder policy. This is essential for getting your car parked in on-base parking (off-base is just a shopping mall for car thieves).

So, a couple of weeks later, I get a letter telling me I don't qualify, but they have another division where I may qualify at a higher premium

-- they're sending my application to them. A couple of weeks after that, I get another letter telling me I don't qualify for the other company either. Geico refused to insure me. Since a copy of the binder had been sent to the Navy base, a copy of the denial was sent there also. Naturally my base sticker was promptly canceled.

So, why was I rejected? According to Geico, I was rejected because I drove a van with customizations (consisting of a home-made bed in the back, because I really did camp out; not what you're thinking!) and Geico does not (or did not at that time, so they told me) insure ANY vans with customizations. Now, the application had a section asking about customizations for vans -- why include that if they don't insure them?

Anyway, like I said they took my cash in the office but would not issue a refund there -- not even by check. The refunds had to come from "the home office" in D.C. They said to allow up to 6 weeks to receive my refund, and they took every bit of those 6 weeks. That $360 was my insurance money! I was driving uninsured for over a month, parking off-base (broken into twice, thank you) while I tried to get Geico to turn over MY MONEY so I could sign up with a local State Farm agent. State Farm had no problems issuing me a policy, and as it turned out Geico would only have saved me about $50 a year anyway.

I never miss a chance to dis Geico.

Reply to
Gordon S. Hlavenka

This is a really terrible story. I can really relate because when I was in the Air Force, every dollar was spoken for, long before I had it in my hands.

I've heard many, many terrible stories about Geico. I thought about applying one time, but when I heard that they automatically turned you down if you had a radar detector, I didn't apply. Is that a stupid rule or not? I have a radar detector because I'm an electronics junkie, not because I'm a law breaking speeder.

Stupid company. W> > Probably the reason why

Reply to
Racin' Fan

Re: Radar Detector

I called them for a quote several years ago and after MANY minutes of answering their various questions, names of drivers, types of vehicle, and on and on, they asked, do you have a Radar Detector. I said yes. "Oh, then we can't insure you". WHAT?? Why didn't you ask THAT question first instead of wasting ten minutes of my time???? No answer. "Well, since you have all the info, lets finish and tell me what my rate would be even though you won't cover me cause of the radar detector. They said, "We can't tell you that since we won't cover you." I would not insure with GEICO if they were the last company on the planet.

-- Elbridge Gerry, of Massachusetts:

"What, sir, is the use of militia? It is to prevent the establishment of a standing army, the bane of liberty. . . Whenever Government means to invade the rights and liberties of the people, they always attempt to destroy the militia, in order to raise a standing army upon its ruins." -- Debate, U.S. House of Representatives, August 17, 1789

Reply to
AZGuy

Not that this hasn't crossed your mind already but why in the world would you tell an insurance company you have a radar detector? You might as well tell them " I normally drive over the speed limit".

Reply to
SizzleMP

Because normally you don't get asked that kind of trick question and it was just half listening to the salesdroid and giving them yes/no/yes/yes/no answers to their long list of questions. More then likely that's why they don't ask it right away, they know you will be half asleep halfway thru their long list of questions and will answer without thinking of "why are they asking this". More reason to believe they are a bunch of chickenshit rat bastards.

-- Elbridge Gerry, of Massachusetts:

"What, sir, is the use of militia? It is to prevent the establishment of a standing army, the bane of liberty. . . Whenever Government means to invade the rights and liberties of the people, they always attempt to destroy the militia, in order to raise a standing army upon its ruins." -- Debate, U.S. House of Representatives, August 17, 1789

Reply to
AZGuy

Trick question?

There's a rooster sitting on the apex of a roof; when he lays an egg, which side of the roof will it roll down? THAT'S a trick question.

"Do you have a radar detector?" isn't a trick question.

Reply to
Bill Funk

I have a radar detector - it's been in the closet for about 8 years. Sort of like the cops stopping you on the street: "Do you have a gun?" "Yes sir I do." The gun is at home but you still might get shot.

I have much more fun with my radar detector detector (also known as a Gunn oscillator) that sets off the other guy's radar detector when I point it at him.

Reply to
Herb Kauhry

"Jim Warman" wrote in news:tPsXb.4579$n17.1079@clgrps13:

I'll tell you why you need a radar detector. Revenue hungry state and local governments. There are so many obvious and unsafe traffic violators, but the cops look for the easy pick'ns. I got nabed at close to midnight one night traveling down an almost empty four lane state highway at the unheard of speed of 45 mph. It turns out that the limit which had been 45 a few hundred yards back had dropped to 25 because I was now in a business district. I didn't notice the change or the business district. It was late and there was no one about. Yet the cop knew right where to be and him and his buddy pulled over one car after the next as the came by every few minutes. In California, radar tickets require that the speed limit be justified by a traffic survey and must be within a certain range of the average speed surveyed. I actually got the survey for the area and sure enough, the average speed was much higher than the posted limit. But the engineer justified the lower limit by noting that the area had a lot of pedestrian and bicycle traffic (its a tourist area around Lake Tahoe). That may be true during the day, but it certainly was not at midnight. These cops had no interest in making the roads safe. They had every interest in sitting on their fat asses just waiting for the next revenue generator to cruise by their spot. I have great respect for the police, but not those who sit around in spots or at times they know aren't dangerous, doing absolutely nothing to stop crime, just waiting for the next sucker to cruise by. Meanwhile, response times to 911 calls increase. THAT'S WHY I NEED A RADAR DETECTOR AND I DON'T FEEL THE LEAST BIT GUILTY.

Reply to
akheel

You ought to feel pretty stupid, though..

Do you? Huh? Do you?

You need a radar detector because you don't pay attention to your driving or your surroundings. You didn't notice an ENTIRE BUSINESS DISTRICT??? Were you asleep?

I just saw on the news where someone was killed yesterday while riding a bicycle just after dark. This was one of those "spots or at times they know aren't dangerous" that you feel are so obvious and bothersome. How would you feel right now if that had been you that mowed this rider down?

Reply to
Herb Kauhry

Define business district.

There are those that are obvious , like strip malls, or gas stations. Then there are those that are not so obvious, like "Bob & Carol's General Store" which looks like a farmhouse built in the 1800's and is the only store on the road for miles.

Reply to
SizzleMP

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