Geico Auto Insurance Motorcycle Rider Pays 12 months in advance & Geico Cancels in month #9 for Non payment? Los Angeles, California
When I signed up for Motorcycle insurance with Geico, I signed up for the least expensive policy they had with the minimum insurance requirements... $15K bodily Injury and 30K property damage, and I told them that I DO NOT want the UNINSURED MOTORIST option because it cost more money. They acknowledged my request, accepted my FULL PAYMENT for 12 months insurance, they just wanted me to sign a WAIVER FORM for the Uninsured Motorist. I signed the waiver form and sent it to them and then two weeks later I rec'd a PHONE CALL stating that I had not filled out the waiver form correctly, and that I would have to do it a SECOND TIME.... so they sent me a second form, and I called Geico to assist me in filling out the form, but apparently, even with their assistance, it was filled out wrong. I had CLEARLY checked the box stating I DO NOT want Uninsured Motorist added to my policy, and Geico even acknowledges this on my insurance policy paperwork....
Well, because they said I did not fill out their waiver form correctly.... they CANCELED MY INSURANCE FOR NON PAYMENT about nine months after I paid them in full for a 12 month policy. I was not aware this change had been made to my policy, and I received nothing further in the mail (or phone calls) from Geico regarding the WAIVER they said they so desperately needed me to fill out correctly. I just continued to ride my motorcycle THINKING I was still legally insured.
Then one day while sitting at a STOP LIGHT, just waiting for the light to turn green.... I was T-BONED on my motorcycle by an elderly driver. I was lucky to survive, but later when I went to report the accident to Geico, and it was at THAT time they informed me I was NO LONGER INSURED with them... for failure to pay. WHAT?!! How do you cancel an insurance policy for non payment, after you were paid for a full year IN ADVANCE?? Long Story Short... By Geico erroneously canceling my insurance policy they made me appear to be an UNINSURED DRIVER.... and as such, I am not able to pursue the person who T-boned me for pain and suffering! So Now I must chase after Geico for Breach of Contract, for CHANGING MY POLICY WITHOUT MY CONSENT OR KNOWLEDGE. They now claim they sent me several letters in the mail, telling me that a change was made to my policy, and that I needed to respond. I check my mail DAILY, like everyone else, and I NEVER received anything from them telling me they were about to add something (I did not want) to my policy, because if I had received anything, I would have contacted them immediately to straighten things out. Geico is NOT your friend, and if your insured with them... I hope they dont screw you like they do everyone else. If you see a lizard in the road with a british accent, RUN IT OVER for me, will you please?
4 Updates & Rebuttals
strawberryshortcake
virginia beach,Virginia,
United States of America
again
#5UPDATE EX-employee responds
Fri, April 27, 2012
The form is up to the state. Streamlining the form is not as easy as you may think. GEICO is basically 24/7 and they will walk you thru filling the form out correctly. No matter how irritating it is, it is your obliglation to provide the form filled out correctly within 30 days( which they are usually lax about ). Further more, I love when people say they only use a vehicle once or twice a month, guess what that can still be the day an accident occurs. Regardless it is not your fault there is nothing for the claims department to deny, all said I think you got off fairly well and learned a valuable lesson. Be thankful you did not find out after you had an accident that was your fault. Then you would really be up the creek, not out a few months of premium cost. You admitted the form was confusing, which it is, but yet now you are certain it was correct. Also how were you able to produce their copy? You have no idea what they have, unless you requested it officially? Even if you have a fax receipt copy, haven't you ever seen a fax come out totally distorted on the other side? Regardless you need to just be thankful you are alive and not atfault with no insurance.
John P
North Hollywood,California,
United States of America
Uninsured Motorist WAIVER form
#5Author of original report
Wed, April 25, 2012
I WAS able to produce the WAIVER they wanted, clearly showing I was WAIVING the UNINSURED MOTORIST option... Geico make's the forms confusing... because they WANT you to fill out the form wrong so they can SELL YOU MORE INSURANCE! In addition, they dont tell you what was filled out wrong, and your supposed to know what Geico wants when filling out their forms.
I was only riding the bike a few days out of the month, and I did not have the EXTRA MONEY that Geico wanted to add U.M. to my policy, but they added it anyways!
The law requires most of us to be insured while on the road, and while there IS a chance I could get hit by an uninsured driver.... I figured I be dead anyways. Bottom Line is I was compliant with the law and knew exactly what kind of insurance I wanted and could afford. I had the minimum insurance as required by law, I filled out the waiver form (and retained it) and Geico put me in a situation by not honoring my initial request. I was not at fault, and they would not have had to pay anyone had they not canceled my policy for "non-payment". They had no problem cashing my payment for 12 months coverage but did not give me a full year coverage.
Karl
Highlands Ranch,Colorado,
USA
GEICO SUCKS POEM....
#5Consumer Comment
Wed, April 25, 2012
is available at this website.
Just type in 793243 at this site and it appears in the consumer comments section at Ripoff Report #793243.
Thank You
***NATIONWIDE ALERT: Make sure to stay at this site and type in- ALL THE BIG BANKS, and read the Ripoff Reports for important information if you have a bank account or a mortgage in the USA.
strawberryshortcake
virginia beach,Virginia,
United States of America
rebuttal
#5UPDATE EX-employee responds
Wed, April 25, 2012
Any motorcycle accident is horrible and I am sorry, however would you like to hear the irony of this? Say this accident occurred the day before the policy had canceled, and say the person who hit you did not have insurance, I bet that you would be very thankful your form was somehow "incorrect". Without that form and your signature you would not be crying "breach of contract" you would be crying pay me my money. If you don't want to pay for insurance that protects yourself while you are on a motorcycle no less, you are required to put it in writing that you understand the possible consequences. If unable to produce the acknowledgement that you understood that you would have NO coverage if you were seriously injured or killed by someone who did not have insurance; who do you think the jury will side with the "big mean corporation" or you the "misguided and never advised". If you still refuse to place it in writing take it up with the State Corp Comm - they are the ones that regulate how paperwork must be completed. Good luck.