Geico Insurance rip-off! They won't pay or give letter of uninsure - I'm not even their customer. Macon Georgia

Jame: I know how frustrated you must be. I practiced in the personal injury field for 5 years and I know how difficult it is at times to deal with insurance companies.

The law must have changed since as subrogation used to kick in no matter what coverage you had at the time.

I am personally insured with GEICO and have been for 12 years. I have never had an issue with them, in fact, they have been very helpful and service minded.

I am glad, however, things finally went your way. Good luck in the future.

As stated before, I did review my policy and also spoke with people in the insurance industry (including a couple of Geico employees), so I learned that if you only carry liability (and of course UM), your company won't go through the steps of subrogation - that is something that comes with collision insurance.

Being an excellent driver with a sqeaky clean record and driving a truck which was not valued too high, i elected not to carry collision, therefore, i did not have the ability to let my company take care of my car and fight geico for me. and, to answer your question, I have been with State Farm for 6 years and I have never had a single problem with their service.

BTW - Geico, after 1 month and 1 week, decided to take care of my truck. Now, nearing 2 months later I have received their "prompt" payment and moved on from this issue. Perhaps they should take a little time and effort from their quirky tv ads claiming to save you money in fifteen minutes, and focus on prompt attention to incidents such as this in order to perhaps gain marketability among those that are affected by their actions.

If I ever decided to switch my own company and Geico had responded to this issue promptly, I have no doubt that I would have chosen them. How's that for marketing?

Georgia Law requires that you carry UM. Your insurance company should then compensate you for your loss under your UM policy. If the defendant did in fact have insurance with GEICO, which is unlikely at this juncture, then your insurance Co will file a subrogation claim against GEICO. Why is your insurance company dragging it's feet? What is the name of your company?

....when you took out your poicy did you decline Uninsured Motorists Property Damage? With the high number of uninsured drivers on the road today I would recommend always carrying both uninsured lia and uninsured PD.

I did claim with my company. Driving a 1992 Blazer, I do not carry full coverage insurance, simply because the cost would not be worth the gain being that i consider myself an excellent driver. I claimed with the faulted driver's insurance first and then spoke with my insurance making sure there was nothing I would have to do with them. Because there was a police report made with the other driver faulted and it made note of HIS current insurance card, my company could not move forward with uninsured motorist until HIS company sent them a letter. I did follow the simplest of rules and I do know my policy - perhaps you should do some research. If you do not have full coverage/collision, and only have liability/uninsured motorist, you company will not "proceed w/action against GEICO and the other driver" on your behalf.
Thanks for the recomendations tho.

Jame
Richmond Hill, Georgia
U.S.A

You created a problem for yourself by not following the simplest of rules.
Whenever you have an accident you should report
it to your own insurance company within 24 hours.
They are the ones you give all the information to.

Troy - Des Moines, Iowa
U.S.A

Agree with you 100%.

Thats what happens when you don't read your own
ins. policy guidelines when involved in an
accident.

Jame's letter should be retitled
from "GEICO insurance ripoff"
to "Lack of consumer common sense"

The best route to take in this scenario is to file a claim with your own insurance company under uninsured motorist. Leave it up to them to proceed w/ action against GEICO and/or the driver of the other vehicle. Why would your company require a letter claiming uninsured motorist before starting a claim? Do they want a letter from every insurance company that this person does not have insurance with?