Report: #1116428

Complaint Review: GEICO

  • Submitted: Fri, January 17, 2014
  • Updated: Fri, January 17, 2014
  • Reported By: Jennifer — Kensington Maryland
    PO BOX 9500
    Frederickburg, Virginia

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Complaint Details:
Date of Loss:  August 19, 2013
Complaint Details:  On August 19, 2013, a Geico customer hit my car. Geico eventually  agreed it was their customer's fault and I was entitled to damages. Eventually the repair bill was paid. However, despite telling me that they would also compensate me for  loss of use of my vehicle (by paying for a rental car), they have refused  to pay for the rental bill. Instead, they have ignored my letters and faxes and almost five months  after the accident, I HAVE NOT BEEN PAID.

I spoke with the rep assigned to my case at Geico many times about the car rental. I was  nervous Geico would not pay for the rental. I was assured there would be  no problem. As the repair shop continued to work on the vehicle, I  worried it might be taking too long. I was assured by the shop (Geico  approved) and by GEICO that all was fine. They ignored the first fax I sent. I resent the fax and was told they would  send a check. When I didn't get it, I was told there was an error but the  "check was in the mail." Turns out that isn't true. More frustrating is that they never fessed up that they were paying only  $428 of the $830 claim! Once they did, I was told there is no appeal and  no way to change their decision. We used every discount we could find. We made sure we got the best  rate and even turned the rental in one day prior to the car being ready.  We communicated with GEICO all the way and used a GEICO approved  shop. This shop is reputable and I do not think they were taking too long  for the extent of the repairs. GEICO has been horrible about communicating everything.

Every time I call, they are away from their desk, they refuse to check  their work, follow up on claims to make sure they are paid and even  check to make sure the amount is correct to begin with.  GEICO owed me $830 for a car rental that was promised to me.  Additionally, they said they would pay for 10 days and not the rest of the  claim but they didn't even calculate the 10 days correctly. I think they have been unethical in not issuing the check at all and then  in agreeing to eventually issue something (still didn't get it though) in an  arbitrarily low amount.

I have also contacted the Maryland Insurance Commission to alert them to these practices and hope they can help. 

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#1 Author of original report

This response isn't relevant

AUTHOR: Jennifer - ()

I'm not sure if you understood what I was saying. A GEICO customer hit me. I was not at fault. Geico agreed to pay for a rental car and told me that there was no particular limit. I called them every day or so to check in to make sure the rental was still covered and was told by Dawn, the rep, that it was fine.

I can't look at the GEICO policy because I DO NOT HAVE GEICO!  My personal insurance does not have rental reimbursement but it doesn't matter because I was not at fault so GEICO was supposed to pay it.

I would caution anyone who is thinking about GEICO to realize that they didn't stand by their word.  I really made sure I was careful and that still wasn't enough with them. I really don't trust them anymore.

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#2 Consumer Comment

Rental Car Reimbursement

AUTHOR: Employee - ()

I am assuming you have the rental car reimbursement on your policy, no?  Take a look at your policy declarations page.  It probably says that rental reimbursement is a certain amount, usually maxes out at $450.  If that is your coverage, why are you expecting a check for $830?

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#3 Author of original report

Claims not paid

AUTHOR: Jennifer - ()

I believe it is a standard part of their policy that they pay if their customer hits a car and that driver cannot use their car. The insured doesn't have to pay for their own rental car reimbursement but the policy pays if they hit someone else and that person needs a rental car.

I want to make it clear that GEICO told me to rent a car. I asked them about limits every day for two weeks!!

I was told it was all fine. i didn't believe that so I spoke to three people. I rented a car a step below what I was entitled to. I used my own discounts to get them a really, really low rate (they pay per day regardless of what the rate is so in the end, my hard work didn't change anything).  

They also calculated the reimbursement wrong even assuming that paying for 10 out of the 17 days is what they were trying to do.  They reimbursed for part of the week based on a weekly rate. If you rent for part of a week, you pay a daily rate. So no matter how they work it, I would have to cover the balance to finish out the week and then they would pay 1/7 or 2/7 of that which is ridiculous. Once the two weeks were up, it went to a daily rate for the last three days. They won't pay daily rates but won't pay for a full week either. WITH THEIR METHOD, THERE IS NO WAY TO HAVE THEM PAY FOR THE RENTAL IN FULL UNLESS YOU RENT IN 7 DAY INCREMENTS AND EVEN SO, THEY PAY FOR 50% OF THE RENTAL COSTS! ( Despite saying they pay 100%) By the way, our weekly rate was SUPER cheap. None of their other claims have rates this low! Now I know why other customers wouldn't bother. Why help this company when they are going to treat you like this?

I was told they think the work should have been done faster. Their adjusters saw the car. I took it to their shop. What more could I do? They were notified along the way it was taking longer and said it was fine.

I repeatedly told them I fely uneasy about this but they said this is how it goes and not to worry.


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#4 Consumer Comment

You do know that they will only pay up to the limits of their insureds policy,, don't you?

AUTHOR: Ken - ()

If they've paid that amount you may have to go after their customer in small claims court for your out of pocket amounts.

Good luck to you.

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