• Report: #832621

Complaint Review: Geico Insurance

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  • Submitted: Wed, February 01, 2012
  • Updated: Sat, February 04, 2012

  • Reported By: Danny — Cottonwood Arizona United States of America
Geico Insurance
bethesda, Maryland United States of America

Geico Insurance Geico stole $145 from me due to an employee error bethesda, Maryland

*Author of original report: My last reply

*Consumer Comment: Legal fun.

*Consumer Comment: Wow you must be a Constitutional Scholar

*Consumer Comment: Rights? LOL

*Consumer Comment: Danny...you should look in a mirror before calling anyone an idiot!

*Author of original report: What an idiot.

*Consumer Comment: Simple

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I went into the Geico office in Phoenix to get car insurance last month.  I wanted my policy setup so that my girlfriend could legally drive my vehicle.  Instead of putting me as the main person on the policy, the geico rep put my now EX girlfriend as the primary policy holder.
The vehicle was and always has been registered and titled only in my name and is in my possession but when I called to remove my ex from the policy, they said that I'd have to start a new policy and that because of their agent's error, that the refund check would go to my ex.  No amount of reasoning would get them to cooperate with me.
I asked for a supervisor and they verified my number and said they'd have one call me back.  No one ever called.  So now, I have to take another day off of work, cancel all of my policies with them, maybe file a small claims suit, and on top of it all find new insurance......or take my chances by going without it.
The lawmakers that passed the mandatory insurance laws should be punished for violating the constitution by forcing us to do business with these crooks.

This report was posted on Ripoff Report on 02/01/2012 11:18 PM and is a permanent record located here: http://www.ripoffreport.com/r/Geico-Insurance/bethesda-Maryland-/Geico-Insurance-Geico-stole-145-from-me-due-to-an-employee-error-bethesda-Maryland-832621. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
2Author 5Consumer 0Employee/Owner
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#1 Author of original report

My last reply

AUTHOR: Danny - (United States of America)

Sorry, it's the Bill of Rights that guarantees freedom of movement.  I don't have both documents memorized but have definitely read both and am aware of what my rights are.

When lawmakers passed laws restricting pedestrians and bicycles from certain roadways that are the only way to access certain areas, like I-8 into San Diego for instance, they made it impossible for those without a car to have full freedom of mobility.  Since you MUST have a vehicle to go from El Centro to San Diego without trespassing on private property, an automobile is a necessity in order to have freedom of movement.  This is only one example.  I'm sure there are many more.  So, they can either allow pedestrians on every road or driving a vehicle is a right.

I also realize that the state of Arizona doesn't require insurance......if you are very rich.......which I am not.  Just another example of how the current system we are all living under makes it easier for those with money to keep their money...and make more.

When you go into a geico office, setup, and pay for your insurance policy, the single piece of paper you sign has very little info on it and does NOT state anything anywhere about refunds or who the main policy holder is.  It lists both names as drivers and basic policy coverages.  The real paperwork comes in the mail and is pages of legal mumbo jumbo that are very difficult to make sense of.

In hindsight, I wish I had never called to have my ex removed from the policy.  The rep said that I'd have to cancel the policy and start a new one and didn't mention anything about transferring my credit from the old policy until it was too late.

As far as homelessness goes, even though I have many skills and a great work ethic, at the best job I have been able to find, I make $10 an hour and have limited hours.  I can't AFFORD to pay some scumbag landlord or bank for a place to stay and even if I could, I wouldn't.  I'm really just waiting on the sidelines until this whole disaster of a system that you guys seem so in favor of collapses.

If I was stupid, I'd keep playing your stupid games.
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#2 Consumer Comment

Legal fun.

AUTHOR: Flynrider - (USA)

    You're posts about constitutional rights make it pretty clear that you have never actually bothered to read the constitution.   It's available online, so if you can post here, you have easy access to it.

"  There have also been MANY court cases that set precedent stating that the government can't force you into a contract with private business, which is exactly what mandatory insurance does. "

   Somehow, I'm thinking that your scholarly approach to legal precedents is as weak as your knowlege of constitutional law.   I wonder why that is?    Could it be because you are not required by AZ law to buy insurance from a private business?   Have you ever read the law covering financial responsibilty requirements for operating a motor vehicle in AZ?   If you had, you'd know that it does not force your into any contract with a private business.    Although actually reading what the law says is probably not going to happen, I'll give you a clue.   Start at Arizona Revised Statutes 28-4001 and work your way down.
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#3 Consumer Comment

Wow you must be a Constitutional Scholar

AUTHOR: Robert - (U.S.A.)

The lawmakers that passed the mandatory insurance laws should be punished for violating the constitution by forcing us to do business with these crooks.
-
Really?  I never saw any law that says you must get insurance from GEICO.

The US constitution guarantees us the RIGHT to travel
Can you please point us to the specific section that specifies we have a right to travel by Automobile?

There have also been MANY court cases that set precedent stating that the government can't force you into a contract with private business, which is exactly what mandatory insurance does
.
- Incorrect.  If it was required that every citizen drive a car and to get automobile insurance you would have a point.  But..and let's see if you can grasp this.  Driving is a PRIVILEGE, and automobile insurance is only mandatory if you want to drive.  The States have every right to put certain requirements in order to get this privilege.  This includes requiring insurance.

I wonder what Constitution you have been reading?

I paid for insurance with MY money for MY vehicle and should have a right to the refund on MY policy. Period.
- And they will..but it would go to your Ex,  because as far as GEICO is concerned it is your Ex's policy.    Now even though you probably won't listen because you are too busy studying the Constitution let me give you another possibility and another simple solution.

Sometimes Insurance companies get a little "leery" of someone removing an insured person.  It wouldn't be the first time that someone had an argument and out of "spite" wants to remove the other person from the Insurance policy hoping they get in trouble.  So they will often require the person who is being removed to give their approval to make sure that it is on the "up and up".   So the simple solution to get your money is to "suck it up" call your ex and when she gets the check have her give you the money.
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#4 Consumer Comment

Rights? LOL

AUTHOR: Ashley - (U.S.A.)

We have no "right to travel" in the US constitution. You don't even have a "right to drive" Driving a car is a privalege that the state can revoke from you. You aren't being forced to buy car insurance, because you aren't being forced to own a car or to drive. If you are homeless and living in your car, I think you have some bigger issues to worry about than your car insurance. Why didn't you just keep the policy until it expired? Its not like your ex-girlfriend was going to come steal your car just because her name was on the policy.

Your ignorant response about rights has definately shown who the "idiot" is.
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#5 Consumer Comment

Danny...you should look in a mirror before calling anyone an idiot!

AUTHOR: Southern Chemical and Equipment LLC - (USA)

Danny, you are obviously clueless, and should look in a mirror before calling anyone else an idiot!



The US Constitution guarantees you the right to travel?? I never read this provision of the US Constitution. Especially since you are referring to travel by automobile in reference to the above advice to not drive in reference to your insurance dilemma.



Are you really this clueless??



Newsflash genius...cars and insurance were not even in existence when our US Constitution were drafted.



Furthermore, any new insurance policy written or policy change made requires a signed disclosure, of which you get a copy.



A policy with multiple drivers listed, ALWAYS lists the primary policy holder FIRST. Just common sense here. Was your name not first on the policy declarations sheet??



It appears that you are very young, and just not real smart.

And, why are you homeless if you have a job?



Doesn't make sense to me.

>>

What an idiot.AUTHOR: Danny - Cottonwood (United States of America)SUBMITTED: Thursday, February 02, 2012POSTED: Thursday, February 02, 2012          



Thanks for your ignorant advice.  It was not made clear in any paperwork that my EX was the main insured.  Also, I didn't receive any paperwork at the office, it was mailed to me later on.  Geico definitely dropped the ball on this one.



The US constitution guarantees us the RIGHT to travel and there is no legal way to walk from some places to other places because of pedestrian in roadway laws, making driving a necessity for some in this great joke of a country people like you have created.  Also, if I did not drive, I wouldn't have a HOME right now being that I'm homeless and living in my vehicle.  There have also been MANY court cases that set precedent stating that the government can't force you into a contract with private business, which is exactly what mandatory insurance does.  I hope that someday soon this country turns right into the Nazi Germany you seem to support......and from the evidence I've seen, it's almost there.



I paid for insurance with MY money for MY vehicle and should have a right to the refund on MY policy. Period.

>>

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#6 Author of original report

What an idiot.

AUTHOR: Danny - (United States of America)

Thanks for your ignorant advice.  It was not made clear in any paperwork that my EX was the main insured.  Also, I didn't receive any paperwork at the office, it was mailed to me later on.  Geico definitely dropped the ball on this one.

The US constitution guarantees us the RIGHT to travel and there is no legal way to walk from some places to other places because of pedestrian in roadway laws, making driving a necessity for some in this great joke of a country people like you have created.  Also, if I did not drive, I wouldn't have a HOME right now being that I'm homeless and living in my vehicle.  There have also been MANY court cases that set precedent stating that the government can't force you into a contract with private business, which is exactly what mandatory insurance does.  I hope that someday soon this country turns right into the Nazi Germany you seem to support......and from the evidence I've seen, it's almost there.

I paid for insurance with MY money for MY vehicle and should have a right to the refund on MY policy. Period.
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#7 Consumer Comment

Simple

AUTHOR: o0Nighthawk0o - (United States of America)

Since you are listed as a driver of the car just keep the insurance you have until the policy is done then go elsewhere. Gives you some time to find new insurance and you don't lose anything.

That being said, did you read the policy before signing to make sure everything was correct? Granted, the agent screwed up but so did you.

Also, the government isn't forcing you to drive so, if you don't want to buy insurance, don't drive.
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