MY BAD GEICO INSURANCE EXPERIENCE !

I was looking for a cheaper rate on my insurance of 3 cars when I
decided to give geico a call , I couldn't believe it, I would save
over $ 225.00 every 6 months with them if I left my agent I had for 10
years with Allstate Insurance.

Well I decided maybe change was good, boy was that ever a mistake, it
all started with a letter saying I need to get my windshields
inspected, never did this with any other agent or insurance company,
so I called them and basically told them if they want to see the
windows, they can send someone out cause no way was I going to drive
all three vehicles to the inspection station that was 37 miles away.
After a conversation with their supervisor they said to ignore it.

Ok

Then I get a letter several weeks later saying they need information
on a person who at the time I was to marry. boy this was even a bigger
mistake. I told them that the person NEVER LIVED IN my house and only
drove one of the vehicles once in a month to the local store if that,
and in fact we were no longer together so I couldn't supply this info
and I DON'T WANT them on the policy.. Well they came back and said, we
have to have this information or your rate will go up or we may even
cancel you, I told them they were crazy, this person should not be on
my policy and I don't want them on it. they said you have to have all
people in your household on the policy, after telling tem again THEY
DON'T LIVE HERE AND NEVER HAVE, I decided I was getting NO where with
GEICO and it was a big mistake leaving my old agent. DON'T GET ROPED
IN BY LOW RATES THAT ARE TO GOOD TO BE TRUE. GEICO customer service
was terrible and I wonder what actually making a claim would be like
if I had these problems..

GEICO INSURANCE IS TERRIBLE AND CUSTOMER SATISFACTION IS NOT HERE .. I
AM TOTALLY DISSATISFIED. I WOULD NEVER EVER TELL MY FREINDS TO GET
GEICO NEVER......maybe my enemies yes.

 

What do you expect from a company whose corporate mascot is a lizard?

 

At least they were cheaper. Last time I called, they quoted me THREE TIMES the
lowest rate.





"If life were like a box of chocolates, everyone would be black and expire in 2
years."

 

If an insurance company is going to provide glass replacement
under your comprehensive coverage, why would you NOT expect to
show there is no previous glass breakage? Normally when you deal
direct, rather than with an agent, they ask for five pictures of
the four sides of the vehicle and the interior. An insurance
company sets YOUR rate based on the drivers and the vehicles.
There is enough information in your VIN numbers to set the rate
the vehicles. All they need is type of usage and annual mileage.
Drivers among another things are rated up or down by age, number
and frequency of accidents and license suspensions and/or
revocations. To do that they have the right to access your
driving record and that of any other driver, licensed to that
household or residing in that household, even those not listed as
drivers of the vehicle one intends to insure with that insurance
company. Most state insurance laws require one to list all of
the drivers listed with the motor vehicle department as licensed
to that address, even if they own their own vehicle and have
their own policy. Most states require every policy issued to that
residence to carry the SAME policy limits, in addition, so one
can not group all of the high risk drivers to the oldest vehicle
and carry only the minimum coverage required by the state. The
problem for the insurance company, you see, is they must insure
the liability of your vehicle no matter who is driving at the
time the liability loss is incurred, even if it is being driven
by your brother in law from Canada or a thief!



mike hunt

 

Geico strikes me as a bunch of cherry pickers. When I called them
for a quote they considered driving violations out to 5 years and
they wouldn't even give me a quote until I gave them my SSN.

If I signed up with them, I would be scared that they would triple
my rates in the event that I made a claim, or that they would use
a speeding ticket as an excuse to raise my rates, thus negating
the touted 15% savings.

Andrew

 

They would.

And in fact, not only that but over the next 2 years they would just
raise your rates "just because" and negate any savings.

 

Again...crap. No insurance company wants your annual mileage.

More crap that our village idiot pulls from his ass.

(yawn) Again...not true. The privacy act restricts insurance companies from
retrieving information about ANYBODY, not listed as a driver.

No they don't.

LOL! What do you do Mikey...just pull this crap out of thin air?

You're an idiot.


--
'03 S2000
'94 Accord

It's just about going fast...that's all...

http://home.insight.rr.com/cgreen/

 

My last two insurance companies did, based on the age of the vehicle.
They're looking for "previous damage". Seems reasonable. Same deal with
glass. Inspector took a pic of my VIN plate, too.

I guess people hop insurance companies, trying them to fix up their idiot
mistakes, claiming it as vandalism. *I* don't wish to pay for that with my
premiums, as I'm sure you don't either.

? Sure they do. Mileage one way to work, too.
More mileage, more exposure to risk.

 

Bullship.[/QUOTE]

I had an insurance agent ask me to bring a car by so that he could get a
picture of it. That was 12 years and a few cars ago; he's not asked for
one since.

Sure they do. Mine does. They want to know if it's for commuting to
work and if so how many miles is the commute, or if it's for "pleasure"
only (stay at home mom, etc.). They also want to know if you use your
car in the course of business for things like sales calls, because
that's a few bucks more.

Well, if they find out you have a 16 year old in the house they'll jack
your rates up--whether he's named as insured or not. Their assumption
is that one way or another, that 16 year old will likely be in a
position to be driving your car.

yeah, that one's new to me, too. State law? Not that I'm aware of.

yeah, that one's news to me, too. I wonder what state he lives in?

 

I had an insurance agent ask me to bring a car by so that he could get a
picture of it. That was 12 years and a few cars ago; he's not asked for
one since.[/QUOTE]

I have (fully) insured dozens of used vehicles over the years, and never had
pictures taken, or it otherwise inspected.

I have (fully) insured dozens of used vehicles over the years, and have
never had to supply mileage numbers.

I've also moved a number of times...and my rates never changed.

Only if he is listed as a driver. They can NOT make that assumption...its
against the law.

Given Mikeys past of fabricating stories and lying, I doubt its a state
issue at all.

He has been caught MANY times lying and pulling crap out of his ass. This is
why nobody can believe him, and everything he says has to be questioned.


--
'03 S2000
'94 Accord

It's just about going fast...that's all...

http://home.insight.rr.com/cgreen/

 

(NetSock)
wrote:

You're the one full of it this time, Sock. Every insurance I've ever
carried wants an estimate of annual mileage used. My husband's car,
which is driven much more than my car, is rated higher because the risk
is greater from the miles he drives.

You just haven't grasped the fact you come across just like this line

Hey, you're learning. Give the Sock a gold star...

 

(NetSock)
wrote:

Your insurance agent related to you? Doing your wife on the side?

Here in SoCal, one side of the street can get higher rates than another
side. I guess you think because it's never happened to YOU, it must be
true for everyone, right?

You do realize this now applies to you? I told you to step back and let
us decide what to believe, but Noooooo! you must be the defender of all
that is true....in your world.

 

You are a CLOWN, as usual.

Here is so you know:
- In some cases, the insurance company might need to inspect the car.
- The mileage has an impact on the premium. Some ask for the yearly mileage,
others for distance to work.
- Where you live affects the premium too. It's cheaper in the suburbs than
downtown.

I'll have to check the new pictures from Mars to see if you're on them.
Seriously, GO GET A LIFE!!!

 

In Calif, annual mileage is definitely used to factor in the cost due to the
passage of Prop 103 back in 1988. again, in Calif, those Polaroid cameras
with the unique hood to photograph the VIN plate in the door jamb are no
longer used as vehicle inspections for prior damage are no longer mandatory,
though a few insurance carriers still require something validating no prior
damage.

 

Where do you guys dream up this stuff? Insurance companies are
regulated in every state in which they are licensed to operate.
They can not just raise 'your' rate. The must apply to the
insurance commission for any rate increases and verify losses to
gain a rate increase. The increase effects every rate payer, not
individuals. If the insurance commission denies a rate increase
to their tariff their only option is to stop issuing new policys
and stop doing business in the state when their license expires.


mike hunt

 

I did have State Farm ask me to drop by so they could take pictures of my
brand new BMW. Not even used. They took some Polaroids, and away I went.

CSAA asked me if the glass was okay. No pictures.

CSAA asks me what the mileage is on my car once per year.

I don't know about law, but the insurance companies certainly ask.
Drivers living at the same address receive no collision coverage if they
are not specifically listed on the policy.

 

Just what part of; 'Normally when you deal DIRECT, rather than
with an AGENT, they ask for five pictures of the four sides of
the vehicle and the interior.' didn't you understand? Naturally
there is no NEED to verify damage AFTER they issue the first
coverage since subsequent damage would be covered. I thought you
would figu, pretty basic stuff, even for a slow learner.

I have done business with insurance companies in several eastern
states over many years. Everything I have said is factual and
verifiable if you want to do the research. If
you chose to believe it or not is your problem not mine.
I will not waist my time with a guy who apparently still hasn't
finish reading and understanding 'Basic Hand Tools,' let alone
the his states 'Insurance Rating Manual.'


mike hunt

 

Oh yeah...that thread you dropped out of when asked to explain your
assertions that extending a pipe wrench for more torque is dangerous.

Have you actually ever tightened 4" pipe thread? Nope.
Do you understand the torque involved? Nope.

 

I've been insured by the same company for about 26 years. However when my
policy came up for renewal in December, I figured what the heck, let me get a
quote from Geico. Part way into the process they began asking information I
thought was a bit too personal to give out for a car insurance quote (the one
that struck me as odd was credit information). I was doing this online so I
cancelled out of the quote request.

 

That's not odd at all. Nowadays, insurance companies run a credit check
on you. There's a correlation between your creditworthiness and their
exposure.