Recently I filed a claim because my car was broken into and items including my car stereo were stolen.
My Claim was "denied" because Geico says the information my boyfriend and I submitted was inconsistent with the local liquor store hours, and the sequence of events. Additionally, they said I was a red flag because I had recently reinstated my insurance and changed my policy. There was a gap, that I wasn't aware of and then when I realized it I called immediately and made changes, including canceling roadside assistance, as I have AAA, and Rental Car Reimbursement. I also lowered my deductibles. All of these changes were encouraged by the agent and actually lowered my rates as I have no previous issues and a perfect driving record.
Here's a brief explanation of what happened:
On Oct 3rd my Boyfriend walked to the store around 9:30pm or shortly thereafter. He noticed my car was fine, we always look at the car, it's natural, Parking in SF is a total pain, and sometimes I forget where I park again it's just something we do. The store is 1 block away.
On Oct 4th at 8:15 or shortly thereafter, we went to my car and my boyfriend noticed the back window was down, it had be misting that night and this immediately alarmed us, we then found that the car had been ransacked, and several items were missing, including my SirusXM Alpine Stereo. There was damage to the visor, the rear view mirror and antenna. Several personal items were also missing that aren't covered by my Auto Policy, (welll as of now nothing is covered even though I have full collision and comprehensive coverage).
A temp police report was filed at 9:03am on Oct 4th. I gave this information to Geico during my call to them, i asked should I leave the car the way it is for a claims rep to review or clean it up, I was told it's okay t clean it up. Note that the call to 911 ended at 9:01am.
My AT&T phone log shows the following: I also took pictures as well and sent I'll send a screen shots that indicated the time/date of the images
- line item 537 on my AT&T bill shows I called 911 at 8:36 am and talked for 31 min
- Pictures were taken from 9:10am to 9;12am
- AT&T line item 538 and 539 shows I called Geico at 9:26am, then again at 9:27. I was on the phone with Geico for 23 minutes.
Today Ken Gao of Gieco informed me that my claim was denied, I am totally blown away my this decision, I feel that they did poor investigative work and I feel many times my and my boyfriends rights were violated - at times I even felt like I was being treated like a criminal by Alan the investigator at Geico, his demeanor. They said Alan the investigator talked to Sams Liquor Store and he reported that they close at 9 which is false they close at 10 and the owner will confirm that. They said that our daily trip to my boyfirends therapy apmt. didn't align with the timeline, he goes daily and has to be there between 8:30 and 9, the reason he goes is highly confidential and it's less than 2 minutes away. Geico called even though we told them that it was confidential, Allan did so anyway and his *my boyfriends) counselor (Jesse) told him that by Gieco calling they are in violation of the HIPPA ACT. My boyfriends rights were violated. Note, I was on the phone with 911 while driving him to his apmt and when he got out. I think these calls are recorded, right? most likely you could hear him getting out and back in the car.
It's my humble opinion that Gieco simply doesn't want to pay claims - I'm now hearing stories from other folks. We all fell for the clever adds and Im not going to stop my campaign until Geico pays for the damages to my car - this is my RIGHT! I need help, please.