A guy driving a beat up ten year old Geo Prism sideswiped my son while he was backing out of a parking space. My son wasn't even moving because he stopped the car when he saw this jerk coming at 35 mph in a 10 mph zone. The Geo had a streak of blue paint on it from swiping my son's car's bumper. The guy's wife, "who just happened to have a cell phone" called the police. Wondering why she did this, we sat in our car and waited. When the police arrived, the policewoman asked why we called the police since there wasn't any damage and nobody was hurt. We explained, that the jerk and his wife called the police. Then the police officer said that this was stupid, and she would handle it.
She took the insurance cards from everybody and wrote out a superficial report to make the guy happy. Only one problem: The police officer saw some beat up dents on this guy's car and marked them on the police report. She assumed that my son made the dents. On photographing the dents later that week, we noticed that the Geo had been in a serious accident where it was sideswiped knocking off the passenger mirror.
Geico called us and told us the accident was my son's fault and they were going to fix this guy's car. We told them that it was old damage from a prior accident. GUESS WHAT? They didn't give a d**n. We have been telling them for three months now that the guy is ripping off the insurance company - and they still have never sent anybody to check it. Instead, they sent this jerk over to an estimator, who repaired the entire side of his car and chalked up $750 to our insurance police. Geico then cancelled our insurance policy - tripeling my son's rate with another carrier. Gee thanks Geico. And if that wasn't bad enough, while we were talking with them, they informed us that they paid another claim for $500 - without even notifying us about the claim a year ago.
We are suing this jerk in small claims court. We are doing the insurance company's job for them. We have to take the time to sue this jerk and prove to the judge that the damage was from a prior. If my son had dented his car, while it was completely stopped in its parking place, then the Geo Prism is unsafe and made out of tin foil. To make a dent in a Geo Prism, my son would have had to put his car in reverse and slam into the Geo going 25 miles per hour, causing the Geo to spin around in the parking lot. (The Geo never spun anywhere ) The police officer was so asleep at the switch, not only did she put down prior damage - she put down the wrong car. She put down another car that we own as the car in the accident. She didn't even look at our car. This is the report the insurance company based their claim on - the one that we told them in writing for three months, was wrong - and this jerk was getting money claiming fraudulent accident damages.
IF YOU HAVE GEICO INSURANCE, AND SOMEBODY FILES A CLAIM AGAINST YOU, THEY WILL PROBABLY NOT INVESTIGATE THE ACCIDENT. THEY DIDN'T EVEN TAKE PHOTOGRAPHS OR MAKE ANY EFFORT AT ALL TO EVEN LOOK AT THE VEHICLES. THEY JUST WRITE CHECKS AND CANCEL YOUR INSURANCE POLICY. I HAVE A LETTER FROM THE VICE PRESIDENT OF GEICO DIRECT TELLING ME, IN WRITING, THAT THEY DIDN'T INVESTIGATE THIS CLAIM AND THEY COULD NOT EVEN CONTACT THE OTHER DRIVER. SO, WHY DID THEY PAY HIM MONEY THEN? BEATS ME.
And as an added note: State Farm Insurance collaborated with them in the payment of the fraudulent claim, providing them with the police report. Geico didn't even get the police report on their own - they asked State Farm to do it for them.
St. Peters, Missouri