• Report: #167147

Complaint Review: Geico Insurance

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  • Submitted: Wed, December 07, 2005
  • Updated: Sat, August 28, 2010

  • Reported By:Lebanon New Jersey
Geico Insurance
5 Greentree Centre Marlton, New Jersey U.S.A.

Geico Insurance Fraud Liars Unproffessional Marlton New Jersey

*General Comment: geico is evil

*Consumer Comment: Extorted by Geico

*Consumer Comment: MARY/ YOU ARE 100% CORRECT

*UPDATE Employee: Underwriting Risk

*UPDATE Employee: Family Auto Policy

*UPDATE Employee: Family Auto Policy

*UPDATE Employee: Family Auto Policy

*Author of original report: Report Is Closed

*Consumer Comment: Driver has the responsibility

*UPDATE Employee: Something to think about...

*Consumer Comment: insurance

*Consumer Comment: insurance

*Consumer Comment: insurance

*Consumer Comment: insurance

*Author of original report: I have nothing to gain

*Consumer Comment: Nobody attacked you Mary

*Consumer Comment: More than likely, they read rip of report too and probably will use it to show something

*Consumer Suggestion: Maybe she doesnt have the right, but she should

*Author of original report: Excuse me Robert

*Consumer Comment: Robert, Jacksonville...

*Consumer Comment: Mary, please answer a simple question

*Author of original report: my constitutional right

*Consumer Comment: They consider you a risk.

*Consumer Comment: Misunderstanding

*Author of original report: isn't my responsibility to ask for a confirmation number, it is the agents job to provide it

*Consumer Comment: Something's not right here.

*Author of original report: all my paperwork is being handed over to an attorney!!!!

*Author of original report: it isn't odd, maybe Geico should hire agents who know what they're doing

*Author of original report: it isn't odd, maybe Geico should hire agents who know what they're doing

*Author of original report: it isn't odd, maybe Geico should hire agents who know what they're doing

*Author of original report: it isn't odd, maybe Geico should hire agents who know what they're doing

*Consumer Comment: Kind Of Odd

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Geico insurance is the worst insurance company I have ever had to deal with. I had my car garaged for a couple of months and when I went back to reinstate my insurance policy, not only were they rude and unhelpful but they completely screwed me over.

On November 10, 2005, I called Geico to get a rate quote so I could reinstate my auto policy. I paid them the whatever they said I owed them so I could get a quote. They gave me a quote but when I went to purchase it, they came up with all this nonsense about how since my bofriend lives in the house with me, that he must be added onto my auto policy. I told them that he had his own insurance and that I would fax everything over to them if they needed it. Then I was told that if I wanted to start my auto policy that night, he would have to be added on and I had to pay a $2000.00 first payment instead of the $311 payment I originally had to make. As you can imagine I said forget it because that was ridiculous and that I'd call back after I faxed over his information.

November 22, 2005, I ended up calling Geico back and spoke with a gentleman, I explained to him that since the last time I had called, my boyfriend and I broke up and I moved out of the house and was living on my own. I gave him my new address, and he came back with a quote that was actually two times the price of my first quote. I asked him why and he said that it was because of the area I moved to, it had a higher accident rating because I was close to interstate 78. It didn't make any sense to me that my insurance rate could double in price just because I moved between 5 and 10 miles further. I told him that I would call back later because I had to decide if this is what I wanted to do. I ended up calling back about twenty minutes later and spoke to a girl named Erin. She bagan discussing the quote with me and why the price went up and basically told me that it's better to have the insurance then not, I agreed and told her that I'd like to make the payment and reinstate my policy. I agreed to do an electronic check payment and once she took the payment she told me that as of this moment I now had complete coverage on my Explorer. I asked her about my insurance rate if I move again, just in case my boyfriend and I get back together. She told me that all I would have to do is call in and Geico would adjust my policy accordingly. I thanked her and then she told me that I could have my temporary insurance card faxed to me and that a packet of information about my policy and explaining my coverage would be sent to me. I said thanks again and then she asked if there was anything else she could help me with, I said no and she thanked me for insuring with Geico and we hung up.

December 1, 2005, I still hadn't received my temporary insurance card or the packet of policy information so I called Geico from my cell phone out of my voicemail. I spoke with a girl name Erin again and explained the situation. She went through my account and told me that there was only a note of me calling once on November 22 and that there wasn't any notes about a payment being taken. She apologized and said she would take the payment with me over the phone again and that she would have my policy reinstated right away. So like last time, she verified my bank's name and that I was authorizing Geico to deduct $471 and change from my checking account. I agreed and then she told me the payment was accepted. I gave her my fax number for the second time and asked to have the temporary insurance card faxed over. Again I was told that my insurance was reinstated right away and again I had full coverage on my Explorer. I thanked her and she asked if there was anything else she could do, I said no and she said thanks for insuring with Geico have a nice day. We hung up.

December 3, 2005, I still hadn't received the temp. insurance card but figured that maybe they forgot to fax it over, but it didn't matter because my car was insured so I could drive. Well later that night around 4:45 pm, I got into a car accident. I called Geico the next morning, December 4, 2005, to report the loss and file a claim. As we were going through the claim the agent explained that my policy was coming up cancelled. She transferred me over to customer service and I talked to a girl name Jennifer who completely argued with me the whole time and basically called me a liar. She said that there was no way I could have talked to Erin on December 1 because that is who I spoke with on November 22 and it was impossible to get the same agent twice. She asked me if the payments had gone through to my bank and when I told her that they didn't she said then there is nothing I can do. I asked her more than once, if Geico didn't send the payment through, why wouldn't they have someone call me to let me know that they didn't send the payments through and that I didn't have insurance. She said that it was my responsibility to make sure I had insurance. I told her that I shouldn't have to call and check up to make sure you put my payments through, and that when agreed to take the electronic payments it constitutes and agreement of which they breeched. I told her I wanted to speak with her supervisor, so she transferred me to Jaime Nikesea, as she was transferring me she told me that he had been assisting her with the call the whole time and that he knows what I am doing. I asked her what that meant and then she transferred me to Jaime without an answer. I ended up going through an hour and a half of circles with him because he just kept saying the same thing as Jennifer. For everything I said he had an arrogant remark. Then he asked if I had gotten confirmation numbers on the two check payments and when I said no neither person had given or offered confirmation numbers to me, he kind of laughed and said why wouldn't you ask for them. My reply was that I didn't think it was my responsibility to have to ask, it should have automatically been given to me. Then he went on to tell me that he wasn't going to do anything to help me unless I could give him proof that I had called on November 22 and December 1. I explained to him that he has the proof that I called on November 22 and as for the December 1 call, it was through my voicemail on my cell and that's how it is going to show up on the statement. I asked to speak with his manager and he said well his name is Jose Navarro and he won't be in until later this evening. When I asked for Erin's supervisor's name he refused to give it to me saying, we are a team here and we all use the same supervisors. He asked again if I wanted to reinstate my policy for a third time and I told him I'm not doing anything until I speak with Mr. Navarro, and then he stated that Jose has been made aware of this call and situation and feels the same way I do, so he won't be able to help you either. With that I hung up and called back about tem minutes later. I spoke with a gentleman who told me that Jose was not scheduled to come in that night and that he'd see what he could do for me. He cam back about a minute later and told me that he couldn't get into my account because Jaime was still logged into my account. He explained that once Jaime was out of my account, he would go in and make a note that Jose Navarro will call me tomorrow. Well December5, 2005 came and went and Jose never called. I called and left him a message asking hiim to return my call but I never received a call back from him. I have however received calls from the claims department and when I spoke with Shannon Conley today, December 7, 2005, she took a recorded statement from me and is sending it to the underwriting department.

Mary
Lebanon, New Jersey
U.S.A.

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This report was posted on Ripoff Report on 12/07/2005 10:15 AM and is a permanent record located here: http://www.ripoffreport.com/r/Geico-Insurance/Marlton-New-Jersey-08053/Geico-Insurance-Fraud-Liars-Unproffessional-Marlton-New-Jersey-167147. 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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#1 General Comment

geico is evil

AUTHOR: kelly6726 - ()

i am dealing with them right now. I was hit by a girl who used geico and they are trying to say i was not injured in the accident and well I have clear cut medical evidence to support my claim just pray you never get into my situation

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#2 Consumer Comment

Extorted by Geico

AUTHOR: dallasgringo - (United States of America)

R.  West  and Mary: 

I was also ripped off by Geico through their thugs in the North Texas area.  Specifically I was targeted by the same hypocrite that R. West from Lewisville referenced.  Tom Reilly.  He somehow works for the Dallas County Sheriff's Dept.; The Texas Dept. of Insurance; and the North Texas Auto Theft Task Force all at the same time??????  His pay is routed through several places, but in one way or another it comes from Geico and other insurance companies.  His other partners in crime, the local "special prosecutors" and "investigators" are also paid by the insurance companies in one way or another.

They collude and act in concert with Geico and other law enforcement officials to exort Geico customers.  Reilly has been accused of getting people's personal info. from Geico so he can begin stalking them, their friends, and colleagues.  He uses a "take home vehicle" provided through his position to follow you around, show up at your office, and anything else he can think of to make you finally submit to giving him your car.  His conscience knows no boundaries and he will misrepresent the facts as well as the law in his attempts to convert your property or ruin your reputation.  He even receives substantial over time pay for following people around and lying.  He sued the Dallas Sheriff's Dept. himself about 10 years ago because he lost his take home vehicle and substantial ovetime pay when they transferred him because they were tired of his whining.  So they created a position fro him where he would have a take home car and get substantial overtime pay.  The Dallas Observer did an article on him a while back entitled "He gets smoke in his eyes". 

The problem is now he basically supervises himself, making his own hours and deciding who to target and by which methods.  He also avails himself of the power to decide when an investigation starts and ends in an attempt to protect himself from any real accountability.  He will be showing up in Court soon to claim he shouldn't have to testify in a proceeding that he basically started.

He has a warped sense of reality because he has been getting away with it for so long now.  He will impersonate others and even claim he is a memeber of some other law enforcement group or agency to cloud his illegal activites.  He has been reprimanded for this recently, but will most likely continue to do so until Geico and others have to pay so much money that they will finally admit that what they are doing is wrong and realize it actually costs them more than the proceeds they have been reaping from the scheme. 

He is such a hypocrite that he will even deny who he is when you are trying to have him served to appear in Court.  Once you finally have him served, then he will attempt to hide and use any method he can to avoid having to testify/explain himself in Court or other proceedings.  He will often claim he shouldn't have to testify because there is still an ongoing investigation and he can't reveal certain information or procedures etc...  Guess who gets to decide whether there is still an ongoing investigation???   He does!!!!!  Wow!!!!   That's pretty convenient for someone who will go talk to anyone and everyone you know about you and then later say he can't talk about it anymore.?

Geico uses "investigators" and attorneys who have previously worked in the local Law enforcement agencies, including the local D.A.'s office.  They use these connections with their former colleagues to help threaten charges against you if you don't give him what they want.  A few of them have been caught, including an attorney named Scott Henderson mentioned in another report on this site, but many still operate unchecked. 

Even more outrageous, he has been accused of convincing Law enforcement officials in other States to file or threaten charges by misrepresenting the facts to them so they will do his dirty work for him.  Thus, making it much harder to find out who was really behind the sham.  Then under the guise of the other States' concerns, which he caused to be created, he will grab your vehicle and hide it until you agree to give it to him.  By the time the other State figures it out, Reilly usually already has title to your vehicle. 

Geico gets their cut as well.  Instead of simply calling you or writing a letter to clarify an issue/concern they will turn Reilly loose on you and wait until after he snatches your vehicle to tack on several phony charges.  Of course Reilly won't allow you to pay these unfounded surcharges until you agree to give him the vehicle.  So by then not only are you out of a vehicle, you have also been extorted by Geico for the extra $.  They are usually unable to produce proper documentation of these charges if you get them to Court.  However, by then they will have used every dirty trick in the book to ruin your reputation or otherwise discredit you.

He specifically targets people whose cars are totally paid for.  I wonder why?  If there was a lien on it, he would have to fight the bank as well to get to keep it.  Then there would be more publicity about it and someone might actually have the guts to shut this down.  I and others are instituting legal proceedings against Geico and Reilly for these outrageous practices.  If anyone has any information about any of this, please contact me through this posting.  I am also looking for copies of the lawsuit that was filed By R. West, but so far have been unable to find it.  They spend millions scrubbing the internet and employing other tactics to hide their misdealings.  It's time for them to answer and pay.      

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#3 Consumer Comment

MARY/ YOU ARE 100% CORRECT

AUTHOR: R. West - (U.S.A.)

DEAR MARY, YOU ARE 100% PERCENT CORRECT! GEICO IS PURELY A FRAUD ALWAYS HAS BEEN AND ALWAYS WILL BE.

I BELIEVE EVERY WORD YOU SAY, AND I CAN STATE FROM KNOWN FACT THAT SOME OF THESE PEOPLE ATTACKING YOU ARE GEICO EMPLOYEE'S PRETENDING TO BE CONSUMERS.

I KNOW FOR A FACT THAT GEICO ALTERS RECORDS BECAUSE I WAS FORCED TO SUE THEM TWICE! ONCE AS A CUSTOMER AND ONCE WHEN A POLICY HOLDER OF THEIRS HIT ME.

BOTH TIMES ON MY POLICY AND THE OTHER PERSONS POLICY I CAUGHT GEICO WITH FALESFYING LEGAL DOCUMENTS, AND ALTERING POLICY DOCUMENTS AND RECORDS. THEY WERE CAUGHT IN COURT UNDER OATH, STONE COLD BUSTED!!

THEIR EXCUSE TO THE JUDGE BY THE PERSON ON THE STAND WHO ADMITTED IT, IS IT IS STANDARD GEICO CLAIMS POLICY TO ALTER, LIE OR JUST IGNORE A CLAIM IF POSSIBLE, BECAUSE THE SHEER VOLUME OF CLAIMS THEY DO IT TO, IT IS CHEAPER AND BETTER FOR THEIR BOTTOM LINE TO GET OUT OF PAYING A CLAIM AND PAY THE FEW SUITS THAT FILE THAN PAY EVERY CLAIM.

IN TEXAS THE DEPT OF INSURANCE IS BASICALLY RUN BY THE INSURANCE CO'S, SO THEY HAVE NOTHING TO FEAR. T.D.I. EMPLOYEES ARE ALL FUNDED BY INSURANCE CO'S.

IN THE NORTH TEXAS AREA (DALLAS) THEY HAVE A DALLLAS COUNTY SHERIFF DEPUTY, BY THE NAME OF TOM REILEY WHO IS RETIRED BUT RUNS A INSURANCE TASK FORCE FOR THE COUNTY, AND STILL HAS A VALID BADGE BUT, IS PAID BY GEICO, AND OTHER INSURANCE CO'S.

ANYONE, PERSISTENT WITH A CLIM, GEICO HAS ATTEMPTED TO AVOID OR ALTERED RECORDS ON, AND KEEPS TRYING TO HAVE IT PAID, THEY TURN MR. RIELEY LOOSE ON THEM LIKE A PERSONAL MAFIA HITMAN!!!. HE THREATENS INSURANCE FRAUD CHARGES ((WHICH SOME EMPLOYEES HERE QUITELY THREATENED YOU WITH)), IF THAT DOESNT WORK HE FILES FALSE FRAUD CHARGES ON YOU. EVEN RETIRED AND RUNNING THE TASK FORCE HE HAS AUTHORITY TO DO THIS.

THEY ARE LITERALLY HUNDREDS OF PEOPLE IN DFW AREA WHO HAVE BEEN CHARGED, SOME EVEN IMPRISONED, BY THIS GUY. ALL FROM THE SAME CLAIMS UNIT AND SAME CLAIMS SUPERVISOR IN THE SAME CLAIMS OFFICE OF GEICO!! WHO BY THE WAY, THAT DEPT HAS THE BEST BOTTOM LINE IN THE CO. TO MUCH COINCEDENCE!

SO YES THEY ARE CROOKED AND LIARS AND CHEATS. AND IF YOU DIDN'T, YOU SHOULD CALL AN ATTORNEY. NO MATTER IF YOU SETTLED AND SIGNED A RELEASE. ALL THESE PEOPLE SAYING YOU DON'T HAVE A CASE YOU DO!!!!!

THOSE ALTERED RECORDS WILL APPEAR, ANY GOOD ATTORNRY CAN GET THEM, AND GEICO WILL BE FORCED TO PAY YOU ALOT!!!

LOOK AT ME, I RETIRED AT 38 OFF WHAT THEY HAD TO PAY ME!! ((PLUS 8 FIGURES)) GO GET THEM CROOKS AND TEACH THEM A LESSON BEFORE THEY DO SOMEONE ELSE LIKE THEY DID YOU.
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#4 UPDATE Employee

Underwriting Risk

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

You also revealed in your detailed account of how you were "denied" your claim against a policy you never paid for. It's also interesting this person had her down payment to start her policy fail to be processed through her bank account twice; once is possible, twice tells me something is wrong with an electronic transfer from her account.

This could happen for several reasons, she has not authorized eft payments to be taken from her account, an account number error i.e. often banks will put an additional digit at the end of the account for security purposes. If that account number is not input exactly as it appears at the bottom of the check it will not go through. And who doesn't check their bank account at least once a week?

This woman's entire story is suspect and a frequent tactic used by policyholders trying to get a lower rate by "changing their story." Her first information was probably the correct information..she's living with her boyfriend who has a poor driving history and when his risk is added to hers, it changes the premium dramatically.

And if you will note, she says in the first sentence of her complaint that she was obtaining insurance after a period of time of not carrying insurance. She states her vehicle was stored. Well a lapse of coverage is a lapse regardless of why, so her initial risk would take that into consideration. And as many other Geico employees have noted it is a family auto policy which means everyone driver who resides in that household.

As for her reported address change, this is what some might refer to as "rate jumping" which is an attempt to get a lower premium by reporting a different address. Her address change may have been legitimate, but I bet she got her insurance information at her previous address which then found it's way to her at her new address.

Auto insurance is a complex business. Each policy is individually written for the specific circumstances of that policyholder's life situation. There are too many underwriting specifics to note them here, but it is important that the rates charged are based on many, many things..from the type of car you own..to the level of coverage you carry to the age of the drivers using the vehicle. The "law of large numbers" spreads the risk from a single person to the larger pool of insureds so that our premiums can be lower.

I have been with Geico for almost 9 years and I still learn something new about auto insurance every day. Additionally, the industry is always changing. Contrary to popular belief, rates DO go down. In Texas we have lowered our rates significantly due to approval by Texas legislation permitting us to offer more discounts, more underwriting categories thus better placement for the risk. My husband and I always fall back on the adage, "You can't cheat an honest man." Interpretation, you can't improve your insurance rate by misrepresenting the facts.

P.S. Every policy has a policy long and all contact with policyholders is documented by a note in the log. Not every counselor is always conscientious about making a note, but that is not the norm.
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#5 UPDATE Employee

Family Auto Policy

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

The reason that your boyfriend was added to the policy is, GEICO writes what's known as a "Family Auto Policy" this means everyone in the household 15 years old or older is automatically covered to drive your vehicle.

GEICO chooses to add boyfriends, fiances, and husbands because of the "Family Auto Policy" I am sure this was explained to you. And, it would seem fishy for you to call for a quote one day and get upset about your boyfriend being on the policy and then you call 12 days later and you don't live with him anymore, but you still want to know about a rate with your boyfriend on the policy later.

You can't change the information on an insurance policy to get the best rate at that time. There is another name for that "FRAUD"

John
GA
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#6 UPDATE Employee

Family Auto Policy

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

The reason that your boyfriend was added to the policy is, GEICO writes what's known as a "Family Auto Policy" this means everyone in the household 15 years old or older is automatically covered to drive your vehicle.

GEICO chooses to add boyfriends, fiances, and husbands because of the "Family Auto Policy" I am sure this was explained to you. And, it would seem fishy for you to call for a quote one day and get upset about your boyfriend being on the policy and then you call 12 days later and you don't live with him anymore, but you still want to know about a rate with your boyfriend on the policy later.

You can't change the information on an insurance policy to get the best rate at that time. There is another name for that "FRAUD"

John
GA
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#7 UPDATE Employee

Family Auto Policy

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

The reason that your boyfriend was added to the policy is, GEICO writes what's known as a "Family Auto Policy" this means everyone in the household 15 years old or older is automatically covered to drive your vehicle.

GEICO chooses to add boyfriends, fiances, and husbands because of the "Family Auto Policy" I am sure this was explained to you. And, it would seem fishy for you to call for a quote one day and get upset about your boyfriend being on the policy and then you call 12 days later and you don't live with him anymore, but you still want to know about a rate with your boyfriend on the policy later.

You can't change the information on an insurance policy to get the best rate at that time. There is another name for that "FRAUD"

John
GA
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#8 Author of original report

Report Is Closed

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

To those who just can't seem to let this go, this dispute has been settled and this report will not be updated after today. This just proves that with a little investigating the truth will come out. To those who were on my side, I thank you. To those who were against me, before you comment on something that has nothing to do with you, maybe the next time you'll actually read what is there, instead of seeing what you want to see (aka: selective vision). I got my answers and a little more from those who have had the same issue. Needless to say, I am happy with the outcome. As for setting me straight, lets just say that it wasn't me that needed to be set straight.
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#9 Consumer Comment

Driver has the responsibility

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

Anyone who operates a motor vehicle without PROOF of insurance is breaking the law. If you drove your Explorer because you "knew you were insured" and then got into an accident, you are in trouble.

You MUST have proof of insurance when you drive. This is not GEICO's responsibility - it's yours.

Put aside all the other arguments - you chose to drive an uninsured vehicle and got into an accident. The vehicle is presumed uninsured because you didn't have proof of insurance. That's the bottom line - you can't blame anyone else but yourself.

Everything else in this long thread is of no consequence. Ask your Motor Vehicle Department about driving without insurance (meaning PROOF of insurance). They'll set you straight.
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#10 UPDATE Employee

Something to think about...

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

You stated in you previous info that you where forced to add your boyfriend to the policy for the reissue and that this raised you price by $2000. Doesnt this tell you something. GEICO writes what is called a family auto policy, this means someone(boyfriend) lives in household and has an accident, GEICO is then responsible for the claim even if he isnt listed on the policy. About the payments, that just seems completly inaccurate abouth that portion of the story...
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#11 Consumer Comment

insurance

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

I never said they didn't have a right to put him on my policy and I sure as hell never said that I told them I moved out of his house in September. So get your facts straight before you criticise someone.

(Please also reread my post, I never said you told them that you moved out in september. I sad that when you received the bill, at your boyfriends house. Believe me, I read every part of your post.)

Anyhow, my last comment is a simple one. Not only will GEICO mail proof of insurance to you, they can fax and even e-mail it to you immediately. They'll even standby to make sure you receive if you ask them to.
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#12 Consumer Comment

insurance

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

I never said they didn't have a right to put him on my policy and I sure as hell never said that I told them I moved out of his house in September. So get your facts straight before you criticise someone.

(Please also reread my post, I never said you told them that you moved out in september. I sad that when you received the bill, at your boyfriends house. Believe me, I read every part of your post.)

Anyhow, my last comment is a simple one. Not only will GEICO mail proof of insurance to you, they can fax and even e-mail it to you immediately. They'll even standby to make sure you receive if you ask them to.
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#13 Consumer Comment

insurance

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

I never said they didn't have a right to put him on my policy and I sure as hell never said that I told them I moved out of his house in September. So get your facts straight before you criticise someone.

(Please also reread my post, I never said you told them that you moved out in september. I sad that when you received the bill, at your boyfriends house. Believe me, I read every part of your post.)

Anyhow, my last comment is a simple one. Not only will GEICO mail proof of insurance to you, they can fax and even e-mail it to you immediately. They'll even standby to make sure you receive if you ask them to.
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#14 Consumer Comment

insurance

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

I never said they didn't have a right to put him on my policy and I sure as hell never said that I told them I moved out of his house in September. So get your facts straight before you criticise someone.

(Please also reread my post, I never said you told them that you moved out in september. I sad that when you received the bill, at your boyfriends house. Believe me, I read every part of your post.)

Anyhow, my last comment is a simple one. Not only will GEICO mail proof of insurance to you, they can fax and even e-mail it to you immediately. They'll even standby to make sure you receive if you ask them to.
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#15 Author of original report

I have nothing to gain

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

I have nothing to gain by filing this report or updating it. I was extremely angry because of what happened. I didn't lie about anything and I will not apologize for anything that was said. I simply just wrote what happened as it happened. Why would I call and claim an accident if I "KNEW" I didn't have insurance. I understand they say that they cancelled my insurance, but why would you send it to an address that I clearly didn't live at, and for that matter why would you say the letter was sent certified and that someone signed for it. but when I ask for a copy of the signature to be faxed over, I'm told that they don't have it on file. Then I'm told by an underwriter that cancellation letters aren't sent certified. If anyone is lying it's not me. Also, as for the coment about my address, when Geico supposedly sent the cancellation letter to my old address, they definitely had my new address on file because I have a letter from them with my new address on it, from around the same time the cancellation letter was sent. If you read the whole report you would see that when I called in November, that's when they were told that I have moved out of my boyfriends house. I never said they didn't have a right to put him on my policy and I sure as hell never said that I told them I moved out of his house in September. So get your facts straight before you criticise someone. Also, if they are such a great company then why don't they send out new insurance cards on time. I have requested it a thousand times, the last insurance card I got from them was when I started my policy. I called them and requested new ones online a million times, it's just convenient that they forget, because you know their jobs are so hard. The point of all this is that basically I have learned my lesson, I will not only have to be up their butt's but I might as well carry double insurance. This report is done and I will not update it anymore!!!!
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#16 Consumer Comment

Nobody attacked you Mary

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

You made a claim to have a Constiturional Right to se what's in GEICO's records. NO you don't. This is not an attack. This is just a fact.

Everyone who went to a Government School during the last 30 years thinks they have magic powers that don't exist.

You still think you have a RIGHT to their records. Nope, not in this country you don't.

You can ask them for a copy of it, but they are under no legal obligation to comply with your request. You could hire an attorney and sue them for the paperwork. That would get you what you want. You will fund the entire lawsuit, and get nothing back in return, except for some paper and ink. I doubt any attorney would waste his time with it, since there is no money to be gained by it.

This of course, goes back to the adage "the customer is always wrong".

BTW...ALL insurance companies charge extra if someone else in the residence has a driver's license. The only way to eliminate them is to show proof of that person having their own policy, and everyone involved has to sign paperwork waiving the other person off from EVER driving the policy holder's vehicle.

As for making online payments...I have been making my GEICO payments online with no problems for years. Maybe they like me better.
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#17 Consumer Comment

More than likely, they read rip of report too and probably will use it to show something

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

On November 10, 2005, I called Geico to get a rate quote so I could reinstate my auto policy. I paid them the whatever they said I owed them so I could get a quote. (You had a balance left over, usually from not making a payment causing you to fall in a lapse of insurance)

They gave me a quote but when I went to purchase it, they came up with all this nonsense about how since my bofriend lives in the house with me, that he must be added onto my auto policy.(GEICO writes a household policy, they have the right to know who is your household and may have access to your keys. What girlfriend would tell there boyfriend, NO you can't drive may car. It doesn't happen much. They and their online application also asks is there anyone else in the household of driving age?)

November 22, 2005, I ended up calling Geico back and spoke with a gentleman, I explained to him that since the last time I had called, my boyfriend and I broke up and I moved out of the house and was living on my own. (I'm sure happens every day. Usually when parents add a 16 year old driver to a policy and their rate sky rockets, all of a sudden the move out of the house)

I gave him my new address, and he came back with a quote that was actually two times the price of my first quote. I asked him why and he said that it was because of the area I moved to, it had a higher accident rating because I was close to interstate 78.(So I assume you moved from your boyfriends house because the first quote was the rate at your boyfriends address where he lived with you)

December 1, 2005, I still hadn't received my temporary insurance card or the packet of policy information so I called Geico from my cell phone out of my voicemail.(ofcourse the same as pointed out, you call for proof that you didn't get)

I gave her my fax number for the second time and asked to have the temporary insurance card faxed over(Didn't receive proof)

December 3, 2005, I still hadn't received the temp. insurance card but figured that maybe they forgot to fax it over, but it didn't matter because my car was insured so I could drive. Well later that night around 4:45 pm, I got into a car accident.(They must have forgot and just mailed it, you think after all this)

Well, I ended up talking to an underwriting agent and she told me that they had sent a cancellation letter, the problem is that they sent it to an address I don't live at and haven't lived in over a year.(Your questioning that your policy was cancelled, you did call to make a payment to reinstate your policy right?)

I was told that October 19, 2005 is the only record they have of me changing my address. Well, my only problem with this is that, Geico is telling me that they didn't have any record of my new address before October 19, 2005, if they didn't have my new address then how did I receive a bill on September 26, 2005 from Geico at my new address? (that was the bill you didn't pay that ended up cancelling your policy right? The one at your you received at your boyfriends house, that you moved out of and never told geico that there was another person of driving age in?)

It doesn't add up at all, that is for sure. You changed the story from them not processing a payment nov 22 when you called to reinstate a cancelled policy to them cancelling your policy and ot sending you a cancellation letter. You say they didn't know your address, if you would have changed it they would have asked for others in the household and would have already added your boyfriend to the policy since it was his house, unless you both moved to a different place.

Once again, it doesn't add up. The last part with the address thing, doesn't fit since you said you moved out of your boyfriends house.

My advise, I hope you are not lying because GEICO doesn't play. Like you said claims was getting a statement, they will check and probe everything and if they find anything the press it. They are strict when it comes to insurance fraud, not accusing you, just letting you know. They are not like some companies that will just deny the claim. They will turn over to state prosecutors.

More than likely, they read rip of report too and probably will use it to show something, if it's pertinent I would guess.
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#18 Consumer Suggestion

Maybe she doesnt have the right, but she should

AUTHOR: Lee - (Australia)

Here in Australia privacy laws dictate that any consumer, applicant, candidate, customer etc. has the right to access the information a company or organization holds on them, they only need to send a request in writing and the info must be sent within 48 hours. Unfortunately there is no such right in the US. You do however have the right to a free credit report if you are refused credit as you are entitled to know the reason why you are refused, I find it repulsive than an insurance company can deny somebody a policy and not be held accountable to inform the consumer why! there is absolutely no accountability in the US Insurance industry, really sad actually too see big business just walk over people, extract money from them, deny claims etc. I'm sure the current government in power explains why this culture of anarchy is present.
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#19 Author of original report

Excuse me Robert

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

Excuse me Robert, but don't you have anything better to do besides attacking me, I am just trying to prove that it is completely wrong to delete information from an account especially if there is proof that the information was there and then "POOF" it's gone. It doesn't make any sense, and whether you believe it or not, it IS my RIGHT to see what is in my file. So if you wouldn't mind i'd really appreciate it if you go and attack someone else. After all this site is for consumers to report companies not for people to attack other people. If that's what you're looking for then please go to a chat room. If my comment offended you in any way, then I apologize, but honestly there was no reason for you to attack me.
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#20 Consumer Comment

Robert, Jacksonville...

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

You beat me to it! LOL

Upon further investigation, I've found there is an addition to the Bill of Rights:

Article [XI]:
Only Mary in Lebanon, New Jersey has the right to approach a business and demand to see their files.

I believe that should cover it. :)
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#21 Consumer Comment

Mary, please answer a simple question

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

Exactly which one of the first ten Amendments to the US Constitution do you believe they are violating? For ease of reference, I will post them all for you. Please pick as many as you feel neccessary. This should be interesting.

Article [I.]
Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; or abridging the freedom of speech, or of the press; or the right of the people peaceably to assemble, and to petition the Government for a redress of grievances.

Article [II.]
A well regulated Militia, being necessary to the security of a free State, the right of the people to keep and bear Arms, shall not be infringed.

Article [III.]
No Soldier shall, in time of peace be quartered in any house, without the consent of the Owner, nor in time of war, but in a manner to be prescribed by law.

Article [IV.]
The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no Warrants shall issue, but upon probable cause, supported by Oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized.

Article [V.]
No person shall be held to answer for a capital, or otherwise infamous crime, unless on a presentment or indictment of a Grand Jury, except in cases arising in the land or naval forces, or in the Militia, when in actual service in time of War or public danger; nor shall any person be subject for the same offence to be twice put in jeopardy of life or limb; nor shall be compelled in any criminal case to be a witness against himself, nor be deprived of life, liberty, or property, without due process of law; nor shall private property be taken for public use, without just compensation.

Article [VI.]
In all criminal prosecutions, the accused shall enjoy the right to a speedy and public trial, by an impartial jury of the State and district wherein the crime shall have been committed, which district shall have been previously ascertained by law, and to be informed of the nature and cause of the accusation; to be confronted with the witnesses against him; to have compulsory process for obtaining witnesses in his favor, and to have the Assistance of Counsel for his defence.

Article [VII.]
In Suits at common law, where the value in controversy shall exceed twenty dollars, the right of trial by jury shall be preserved, and no fact tried by a jury, shall be otherwise re-examined in any Court of the United States, than according to the rules of the common law.

Article [VIII.]
Excessive bail shall not be required, nor excessive fines imposed, nor cruel and unusual punishments inflicted.

Article [IX.]
The enumeration in the Constitution, of certain rights, shall not be construed to deny or disparage others retained by the people.

Article [X.]
The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people

Which one are you referring to?
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#22 Author of original report

my constitutional right

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

I'm sorry, but I don't care if you say it isn't my information, because it is. Those files are about me and it is my constitutional right to know what is in them. They wouldn't have a problem with me having access to the files if all the information was correct in there, but since there is information that is false and missing they will not allow me to have access. My lawyer will just have to subpoena them. Also, I have already said that I made the mistake of not checking my bank statement, and the underwriter of Geico that I spoke with said the same thing I did, it was a misunderstanding and that she feels bad as well. My payment history with Geico is great so that is why they re-insured me. As for the comment about me being a risk, read the report again because my boyfriend does NOT drive my car and did NOT wreck my car, Geico just put him on the policy because he lives in the same house. All they have to do is look up his driving record to see he has insurance. I know they are capable of doing this because they've had to do it before.
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#23 Consumer Comment

They consider you a risk.

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

They figure that you're lying about the boyfriend, so now they are charging you a lot more, probrably hoping you buy from somewhere else. I'm not in insurance, I'm in towing, and I see this kind of thing often. Guys with no license, or suspended license, with warrants, bad records, driving their girlfriend's car, wrecking out and ruining the woman's record and credit in the process. I ask myself, "When will you ladies learn?" Tell the guy to buy his own car and own insurance instead of using you.
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#24 Consumer Comment

Misunderstanding

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

'Also, I would like to know why I am not allowed a copy of what they note on my account, if it is my information and I supposedly stated what they noted, I should be able to have a copy of it.'

Nope. It's not YOUR information, it's Geico's. It may be ABOUT you, but it's in Geico's files so why should they allow you access?

I, too, question why you didn't check to be certain the deduction was made from your bank account. That would be the first place I'd check to make sure I had insurance coverage. I wouldn't wait until I had an accident.
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#25 Author of original report

isn't my responsibility to ask for a confirmation number, it is the agents job to provide it

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

First let me say, it isn't my responsibility to ask for a confirmation number, it is the agents job to provide it. Secondly, I didn't check my bank account, and I shouldn't have to, every other company that I pay through my checking account never seems to have a problem completing the transaction, and they ALWAYS provide me with a confirmation number without me having to ask for it. As for your second question, I re-insured with Geico because I had no other choice, anywhere else I go is going to hit me with surcharges for the lapse in insurance. I was advised by three other insurance companies that my best option is to re-insure with Geico and when the six month renewal comes up I can switch. My only mistake in this whole thing is not checking my bank account, I'll admit that. However, I will not admit that I knowingly was driving without insurance because I am a nanny and have a familys' children in my car, why would anyone put kids at risk? I have had insurance since I was seventeen without ever having a lapse, why would I start now? Personally, I don't care what you think, I didn't put this report on here to get your opinion which is exactly what your giving me, I put the report up here to inform others what Geico can do and how SHADY they can be. By the way, have you looked at all the other reports on Geico, seems KIND OF ODD that such a wonderful insurance company would have so many complaints against them!! I have a question for anyone that is willing to try and provide me with a reasonable answer, if Geico stated that they didn't have any record of my new address or me changing it, then how did I receive letters from them with my new address on it? And, if they in fact had my new address why would they send a cancellation letter to an address that they were fully aware I didn't live at? Where did the phone conversation go that they say they recorded? If anything isn't right, it's Geico's ability to erase information from my account. Also, I would like to know why I am not allowed a copy of what they note on my account, if it is my information and I supposedly stated what they noted, I should be able to have a copy of it. Someone please explain this to me, because it just doesn't seem right!!!
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#26 Consumer Comment

Something's not right here.

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

After reading your post I had two questions for you! First, wouldn't you see that the money had been taken from your account after the first attempt to pay over the phone? Maybe I am assuming that you check your bank account at least every couple days to make sure there is nothing fishing going on, so with that assumption you would have seen the transaction that had taken place.

Next, why wouldn't you go somewhere else for insurance if you were so unhappy with the service? Gieco is one of many different insurance companies that offer car insurance.

I agree with the person before, something isn't right here.

By the way, it is your responsibility to get confirmation numbers when a transaction is done, especially the second time since you had so much trouble the first time.
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#27 Author of original report

all my paperwork is being handed over to an attorney!!!!

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

Geico is still trying to say that I didn't have insurance during my accident and that they sent me a cancellation letter. Well, I ended up talking to an underwriting agent and she told me that they had sent a cancellation letter, the problem is that they sent it to an address I don't live at and haven't lived in over a year. I explained this to her and then she proceeded to tell me that she was going to go through all of the phone records and e-mails to see if and when I changed my address. I was told that doing this could only help my dispute and would be favorable to me. I received a phone call the next day and was told that there wasn't any record of any address changes on my account until after my policy had been cancelled and that an e-mail was sent out on October 19, 2005 with my address changes on it. I was told that October 19, 2005 is the only record they have of me changing my address. Well, my only problem with this is that, Geico is telling me that they didn't have any record of my new address before October 19, 2005, if they didn't have my new address then how did I receive a bill on September 26, 2005 from Geico at my new address? Can we say FRAUD!!!! Somebody at Geico isn't doing their job and on top of that somebody or somebodies are erasing information from their customers accounts. You can be sure that as of now all my paperwork is being handed over to an attorney!!!!
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#28 Author of original report

it isn't odd, maybe Geico should hire agents who know what they're doing

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

First of all, I never said that I had forgot about the insurance card. The main reason I called back on the first was because I hadn't received any of my policy information. Secondly, I assumed since they didn't fax it over, it was being sent through the mail along wih the rest of my policy information. So it isn't odd, maybe Geico should hire agents who know what they're doing.
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#29 Author of original report

it isn't odd, maybe Geico should hire agents who know what they're doing

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

First of all, I never said that I had forgot about the insurance card. The main reason I called back on the first was because I hadn't received any of my policy information. Secondly, I assumed since they didn't fax it over, it was being sent through the mail along wih the rest of my policy information. So it isn't odd, maybe Geico should hire agents who know what they're doing.
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#30 Author of original report

it isn't odd, maybe Geico should hire agents who know what they're doing

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

First of all, I never said that I had forgot about the insurance card. The main reason I called back on the first was because I hadn't received any of my policy information. Secondly, I assumed since they didn't fax it over, it was being sent through the mail along wih the rest of my policy information. So it isn't odd, maybe Geico should hire agents who know what they're doing.
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#31 Author of original report

it isn't odd, maybe Geico should hire agents who know what they're doing

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

First of all, I never said that I had forgot about the insurance card. The main reason I called back on the first was because I hadn't received any of my policy information. Secondly, I assumed since they didn't fax it over, it was being sent through the mail along wih the rest of my policy information. So it isn't odd, maybe Geico should hire agents who know what they're doing.
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#32 Consumer Comment

Kind Of Odd

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

Nov 22nd, you were suppose to get the insurance card faxed directly over to you and they were suppose to charge your account. Dec 1st, you were suppose to get the insurance card faxed directly over to you and they were suppose to charge your account. They forgot. You forgot all about the cards until Dec the 3rd when you got into an accident, then you remembered. Kind of odd.
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