Report: #815180

Complaint Review: geico

  • Submitted: Wed, December 28, 2011
  • Updated: Mon, January 23, 2012
  • Reported By: go43 — honolulu Hawaii United States of America
  • geico

    Internet
    United States of America

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I had motorcycle insurance through geico which did not cover me on car rentals or when using friends cars. I purchased personal auto insurance for $100/month, the only purpose of which was to cover me when using other peoples cars. I was in an accident with a friends car that wasn't insured. a the damage was $1000. I thought, I'm sure glad I have this insurance. however, geico denied my claim, stating that the jeep I was driving was classified as an off road vehicle and didn't qualify as a covered vehicle even though the contract clearly stated that 4x4 vehicles were covered as long as their primary use was not off road.

This jeep was a registered vehicle with license plates and safety check. It was totally street legal and used primarily for in town driving. I spoke with an attorney who said I was in a difficult position. Even though I would certainly win in court, it would cost me $1000 to take geico to court.he also said that it was bad luck the damages were only $1000 because geico is known for denying claims it knows will not be fought due to court costs being in the vicinity of the claim amount. it would have been better if I'd totalled the car instead because this was clearly an open and shut case. So shame on geico for finding any way they could to not cover my claim. It worked! A$$ holes

This report was posted on Ripoff Report on 12/28/2011 11:10 PM and is a permanent record located here: https://www.ripoffreport.com/reports/geico/internet/geico-didnt-cover-the-only-situation-that-insurance-was-bought-for-internet-815180. 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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REBUTTALS & REPLIES:
1Author
3Consumer
0Employee/Owner

#1 Consumer Comment

You will have the same problem with

AUTHOR: Robert - (USA)

State Farm if you drive a vehicle that is NOT properly licensed and insured by the vehicle owner and have an accident.  The vehicle you were driving when you had the accident WAS NOT SUPPOSED TO BE ON A PUBLIC ROADWAY!!!

The owner (your friend) let his/her insurance lapse.  At the moment when there was NO INSURANCE on the vehicle, your friend was REQUIRED BY LAW to turn in the vehicle license plates because the vehicle registration was NO LONGER VALID.  NO INSURANCE company would have paid the claim under these conditions.

Your "non-owner policy" is not intended to cover you while you drive a vehicle that is NOT PROPERLY REGISTERED-SHOULD NOT BE ON THE ROAD.  I'm not a fan of GEICO, but in the situation you described NO INSURANCE would pay the damages.  In order for the vehicle to have a valid registration, the OWNER of the vehicle is required to obtain and MAINTAIN a minimum standard of insurance coverage-you friend FAILED to do that.

As I stated before, you and your friend are gonna eat the cost of the damages.  IF you drive another vehicle that is not lawfully licensed and insured by the OWNER and cause an accident, you and your friend are gonna eat those damages too.

What part of INVALID REGISTRATION don't you or your friend understand?  Thank goodness you didn't hurt anyone.
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#2 Author of original report

Same ol' Geico

AUTHOR: go43 - (United States of America)

Ed stated "First of all, GEICO does not knowingly offer Named-Non Owner policies to people that simply want insurance to drive other peoples vehicles."  Well, as sincere as you may be, this is not the case.  I

was not on SR-22, and I had a clean driving record.  As I previously stated, I had motorcycle insurance through Geico, and Geico told me I needed personal insurance to cover me when I asked about rental cars and friend's cars.  Ed also stated "Next time you borrow someone's vehicle, it is the owner's job to have coverage for the vehicle, and it is your job to make sure that the owner has coverage before you drive the vehicle."  This is totally contrary to what I was told by Geico before purchasing the insurance, i.e. Geico said that I would be

covered when I drive rental cars and friend's cars.  Anyway, there is no longer any worries for me.  After the incident, I dropped Geico and picked up State Farm. 

 



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#3 Consumer Suggestion

You and your friend are going to eat it.

AUTHOR: Robert - (USA)

I was in an accident with a friends car that wasn't insured. a the damage was $1000.

Hawaii REQUIRES insurance on all motor vehicles throughout the vehicle registration period.  As a licensed driver, you should KNOW that.  Here's some information from the Hawaii governmental website, http://hawaii.gov/dcca/ins/consumer/consumer_information/mvi

Having motor vehicle insurance is essential to owning a motor vehicle in Hawaii. Hawaii State law requires that your vehicle be insured throughout the motor vehicle registration period and that you have a valid Hawaii motor vehicle insurance identification card in you motor vehicle at all times. You can be ticketed and fined if you operate a vehicle without the required motor vehicle identification card.

If you don't have insurance on your motor vehicle, you must surrender the registration certificate and license plates to the county director of finance. And when you do that, you will not be able to drive the vehicle.

Hawaii is a considered a "no-fault state", which means your motor vehicle insurance company will pay the bills for your injuries and your passengers' injuries up to the personal injury protection benefits ("PIP") limit. And you cannot sue or be sued unless there are serious injuries. Because "no-fault" applies to injuries, not to vehicles or property, the driver-at-fault in an accident is responsible for damages to vehicle and property.


Thank goodness you didn't hurt anyone!  Perhaps you and your friend should stop driving vehicles that are NOT SUPPOSED TO BE ON THE ROAD.
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#4 UPDATE Employee

You tried to deceive GEICO

AUTHOR: Ed - (USA)

First of all, GEICO does not knowingly offer Named-Non Owner policies to people that simply want insurance to drive other peoples vehicles.  Whenever you borrow a vehicle from someone, you should make sure that the owner of that vehicle has insurance on it before you drive it.

The main purpose of a Named-Non Owner policy is for people that are required by the court to have SR-22s, but don't own a vehicle. 

One of the questions that we ask people that want to purchase NNOs is "do you have regular us of a vehicle?"  If the answer is yes, we tell the applicant that they need to get SR-22 coverage through the vehicle owner's policy.

Next time you borrow someone's vehicle, it is the owner's job to have coverage for the vehicle, and it is your job to make sure that the owner has coverage before you drive the vehicle.
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