Report: #28536

Complaint Review: Traveler's Insurance, GEICO

  • Submitted: Fri, August 30, 2002
  • Updated: Tue, April 03, 2007
  • Reported By: Edmond OK
  • Traveler's Insurance, GEICO
    Glen Falls Business Center, 820 State Route 9
    Queensbury, New York

Traveler's Insurance, Geico ripoff dishonest reporting of claims non renewal of insurance consumer fraud Queensbury New York

*Consumer Comment: What's the Point?

*Consumer Comment: They all do it

*Consumer Comment: Not to burst any bodies bubble

*Consumer Suggestion: Get Your Revenge

Show customers why they should trust your business over your competitors...

For the past three years I have had homeowner's insurance with Travelers. Yesterday, I received notice of non-renewal for excessive claims (three in a three year period).

When I called to discuss the situation with them, I advised them that I had only one paid claim which was damage to my roof from typical Oklahoma winds. The other two incidents were potential water damage to my carpet from a hot-water heater and damaged fence from wind.

In regard to the water damage, this was a simple phone call to see if my carpet would be covered if damage was sustained. In fact after the carpet dried, there was no damage. On the other non-paid incident, (the fence), after an adjustor looked at it, I decided to pay for the repair myself.

I thought this would be a simple matter to clear up and that my insurance would then be renewed. However, I was told that a mere phone call can constitute a claim or loss and that there would be no reconsideration in my case.

In calling other insurance agencies, I found that the loss record being used by Traveler's was readily available to all insurance agencies and can be recovered by my name and address.

The loss record along with the non-renewal is resulting in my having to pay at least $200.00 more per year with less coverage and a higher deductible.

I apparently have no recourse, since the records mentioned above can not be challenged and technically (according to the Oklahoma Insurance Commission) they have done nothing illegal.

Bottom line, Insurance companies just want us to pay our premiums like good little boys and girls, but don't call them, and for goodness sake, never ever file a claim.

Edmond, Oklahoma
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#1 Consumer Comment

What's the Point?

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

I also have, well had Traveler's but auto insurance and I just received a letter saying they are dropping me from their policy I have a 2 point ticket and I was in one accident where, it was my fault, but I slightly rear-ended someone when they were merging into traffic but then decided to stop short and they took out a $600 claim to get their bumper fixed. I received 5 points for that, apparently if you have 7 or more points they will drop you which is really bull because I pay almost $3000 a year (without collision) and if I get into more than one accident in a 36 month period of time, they drop me.

So, why exactly (besides the fact that it's illegal not to have insurance) am I paying so much?

I pay $9,000 dollars in 3 years and I cannot take out an additional claim on top of the $600 one or I lose my insurance. Where is the other $8,400 I paid you going to if I am not "covered" I would have rather bought the girl a new car or fixed her bumper out of my pocket then paid for insurance for 3 years.
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#2 Consumer Comment

They all do it

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

I work in the insurance industry and can tell you that ALL companies are scared to death of water claims, even possible ones that nothing was paid out. If you call to report a claim that you may not want turned in, you must state it is only a possible claim, that you do not want it turned in at this point but simply want it documented. We do this all the time. All companies are scared of water claims due to Mold issues currently in litigation and when you go to get new insurance they may ask you if it was professionally cleaned or not.
Clue reporting will show up your cliams when you try to go get other insurance. Some companies do not count claims with $0 paid, some do. But what the other person said is correct, they do not like to see a trend of a claim per year.
Good luck in your pursuit.
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#3 Consumer Comment

Not to burst any bodies bubble

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

But call who?

You admit those things happened. Just because you might have paid them out of pocket doesn't mean the loss didn't occur.

That what insurance companies do, peoples premiums are based on their chance of a future loss.

Insurance companies aren't going to cancel you for no reason and when they do cancel someone most of the time they do it with in their legal limits.

You need to check your states insurance laws first which can be found online.

There are not many insurance companies that will keep someone who has had some type of incident each year they have been with them. that is a risk they are not willing to take.
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#4 Consumer Suggestion

Get Your Revenge

AUTHOR: Carol Ann - (U.S.A.)

Contact Federal Trade Commission at and submit a complaint..They love people like this.
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