• Report: #928103

Complaint Review: Geico Car Insurance

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  • Submitted: Thu, August 16, 2012
  • Updated: Wed, November 21, 2012

  • Reported By: Chris — Rye New Hampshire United States of America
Geico Car Insurance
Internet, New Hampshire United States of America

Geico Car Insurance Ripping off their customers/ Glass scam Internet New Hampshire

*REBUTTAL Owner of company: Totally True!

*General Comment: Deductible

*Author of original report: No pay for glass

*Consumer Comment: so much trouble to clone

*Consumer Comment: i was wondering

*UPDATE Employee: What?

*Consumer Comment: Cloned again

*Consumer Comment: sorry ken

*Consumer Comment: way to go kenny

*Consumer Comment: You should change insurers so you can find out they ALL have this provision.

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Talk about this loophole that Geico uses to their full advantage to rip people off. According to Geico they cover glass under comprehensive in their policies. What does that mean? That means if your windshield breaks and you put in a claim and your deductable is $500, that means your paying out of pocket because Geico will say their policy says they will cover anything over that. So Geico says they cover glass, but in reality they do not. When I was on the phone with them putting in a claim, I was told that I had to pay for it myself since my deductable was higher than the value of the glass. I was also told to go ahead and file against them for they were not doing anything illegal. Why would they point out that they were not doing anything illegal? Because they know that they are pulling a scam because of loopholes in the wording in their contracts. So if you have Geico and you think you have glass coverage, think again. You will be paying out of pocket to get that windshield fix, and Geico will be laughing all the way to the bank.

This report was posted on Ripoff Report on 08/16/2012 08:55 AM and is a permanent record located here: http://www.ripoffreport.com/r/Geico-Car-Insurance/Internet-New-Hampshire-/Geico-Car-Insurance-Ripping-off-their-customers-Glass-scam-Internet-New-Hampshire-928103. 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:
1Author 8Consumer 1Employee/Owner
Updates & Rebuttals

#1 REBUTTAL Owner of company

Totally True!

AUTHOR: Trevor mill - ()

Chris is right. My wife had the rear glass shot out of her 2003 Yukon and Geico wouldn't help as they "have no glass specific deductibles". The rear window cost me $875 on the spot as my standing deductible was $1000......DUMPED Geico immediately after.

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#2 General Comment

Deductible

AUTHOR: Brian W - (United States of America)

Okay, let me start by saying I absolutely HATE GEICO. buttt, the glass is covered under comprehensive if it cant be repaired. so you need to pay your deductible, GEICO doesn't care about their customers so they never suggest low comp. deductibles (AS a nationwide agent I always tell people to carry $100 or less for their comp deductible) if its repairable most companies will do it for free.
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#3 Author of original report

No pay for glass

AUTHOR: Chris Canterbury - (United States of America)

You dummy, I now have Liberty Mutual and glass is covered under glass not comprehensive. I don't pay a dime for glass like you do hahahahahahaha. Keep throwing money away idiot.
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#4 Consumer Comment

so much trouble to clone

AUTHOR: The Outlaw Josey Wales - (United States of America)

 what a great honor to know that team rebutt is cloning me again. number 6 is not mine, kenny come out from hiding  and face the music
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#5 Consumer Comment

i was wondering

AUTHOR: The Outlaw Josey Wales - (USA)

if i salted my buggers would they taste better?
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#6 UPDATE Employee

What?

AUTHOR: Ed - (USA)

So let me get this straight, you were ripped off because you didn't know that your Comprehensive coverage has a deductible???  That's on you.  Everyone and his great grandmother knows that glass in covered under your Comprehensive coverage, and has a deductible. 

All you had to do tell GEICO that you wanted a low deductible.  Stop blaming other people for your own stupidity.
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#7 Consumer Comment

Cloned again

AUTHOR: The Outlaw Josey Wales - (United States of America)

 what a great honor to know I get under the skins of team rebutt, they can't take what they dish out. So sad
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#8 Consumer Comment

sorry ken

AUTHOR: The Outlaw Josey Wales - (USA)

your reply was totuly korrect so im sorry i lack the cents n high skool education to contribute to RR. yes im the one that keeps clickn a bunch on the no button even though your post was useful
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#9 Consumer Comment

way to go kenny

AUTHOR: The Outlaw Josey Wales - (United States of America)

 always on the side of the consumer, great rebutt. how many that makes for the month???? did you qualify for a prize for having the most useless rebutts??? your number one in my book.
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#10 Consumer Comment

You should change insurers so you can find out they ALL have this provision.

AUTHOR: Ken - (USA)

Are you saying they are violating the terms of your WRITTEN policy with them?

They are NOT.

You have the deductible to keep your premiums a little lower.  A bunch of small insurance claims are costly to the insurer.
See if you can get full (non-deductible) coverage and check the price difference.

You have NOT, in any way, been Ripped Off.

" I was also told to go ahead and file against them for they were not doing anything illegal. Why would they point out that they were not doing anything illegal? Because they know that they are pulling a scam because of loopholes in the wording in their contracts. So if you have Geico and you think you have glass coverage, think again. You will be paying out of pocket to get that windshield fix, and Geico will be laughing all the way to the bank."

It's NOT a scam or a loophole,  If you don't believe it, file a claim with your state's insurance commissioneer....he could use a good laugh.

The reason they pointed out "they weren't doing anything illegal" has an obvious answer...they  WEREN'T doing anything Illegal.  It's not a conspiracy.  You're dead wrong and won't own up to it.
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