Report: #1388935

Complaint Review: Geico Insurance

  • Submitted: Fri, July 28, 2017
  • Updated: Fri, July 28, 2017
  • Reported By: Texas2016 — College Station Texas USA
  • Geico Insurance

    Nationwide
    USA

Geico Insurance Rip off customer by claiming a wrong coverage with high deductible

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On July 28th, around 12:00 PM, I was driving on the road in College Station, TX. Suddenly, a flying object hit the left side of my car and generated very loud noise. I stopped my car and checked what had happened. Large and deep dents were observed on the driver side door of my car and a large metal bar was found on the ground. My car got flying debris. I called Geico immediately and explained everything, after checking the coverage to my car ($250 deductible for comprehensive and $500 for collision), they told me this incident will not be covered by comprehensive because "I collide with the metal bar". That is ridiculous! How can I collide with a flying object? That incident is something completely beyond my control. It doesn't matter how much I explained, the Geico lady in the phone just insists that it should be covered by collision. I have checked it everywhere on the website and it is commonly stated that the damage caused by flying object

I called Geico immediately and explained everything, after checking the coverage to my car ($250 deductible for comprehensive and $500 for collision), they told me this incident will not be covered by comprehensive because "I collide with the metal bar". [continued below]....

..... That is ridiculous! How can I collide with a flying object? The damage was on the driver's door not on the front bumper or the bottom. Apparently, it was caused by a flying object from the left side. 

It doesn't matter how much I explained, the Geico lady in the phone just insists that it should be covered by collision with $500 deductible. I have checked it everywhere on the website and it is commonly stated that the damage caused by flying object should be covered by comprehensive insurance. I asked that Geico lady over the phone to provide me the document proving that the flying debris should be covered by collision instead of comprehensive. She was not able to. Instead of providing any proof for that, she asked me to check Geico's website for the policy by myself. This is the way they escape from responsibility and leave the customer alone.

I am totally shocked that the "large and famous" insurance company in the States do this kind of tricks to their customer just for a few hundred dollars?! I have been insured at Geico for years and this is the first claim I made. Is this the way they treat their loyal customer? For so many years, the premium of my car never drop (sometimes increase for no reason) even though I never got any accident or ticket before. This probably the last time I have business with Geico. Think carefully before getting your car "insured" by Geico. You actually just send free money to them. Do they insure you for anything? Who the hell knows!!!

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This report was posted on Ripoff Report on 07/28/2017 03:55 PM and is a permanent record located here: http://www.ripoffreport.com/reports/geico-insurance/nationwide/geico-insurance-rip-off-customer-by-claiming-a-wrong-coverage-with-high-deductible-1388935. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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