Complaint Review: GEICO

I just want to point out that the original issue
has been lost in the back and forth of Brian and VA. It's a shame because even though this website is setup as a negative to business's it can be positive, but this ranting and name calling and garbage is better for a chat room. If people didn't complain then nothing would ever get resolved. If every business was perfect then something would be wrong, and believe me someone would figure it out. Even perfection can be flawed. People expect so much and are un-willing to give a little. In the insurance business we are offering to pay for damages and protect customers. (Even if you dont agree we do this) We have guidelines to follow and procedures. This includes claims handling. We try very hard to make everyone happy and maybe if everyone was honest, we wouldnt have to be so careful. You can thank people who commit fraud. I feel for anyone who has had a bad claims experience, but tell me when the last time you had a good accident? I can't believe that if we felt we were obligated to pay for the damages and then for no reason said we wouldnt? Where's the rest of the story?

Brian,

Don't really have time to answer your ignorant insults right now as I'm preparing for court....

Took you an xtra day to respond this time. What happened? LOL.

Once again you show an absolute ignorance for and of the law. If you want me to site caselaw re: personal information and privacy laws you'll have to pay my $350 an hour rate.
YOU'RE the one who insists on calling me a homophobe and for using my race as a "crutch", saying that I'm "homeless, etc.". Enough for a Defamation of Character complaint or to get you convicted of a Hate Crime in just about any State outside of the South. Where you are of course. Actually you have a pretty typical white male attitude for the South I find. We own part of a working farm down there. Inherited that. People are STILL different down there. Found both good and bad but found more racism down there than anyplace in the USA imho.

However now that I have your written permission I'll look you up and post whatever info I find, I already started looking into it. If this site lets me of course. Liability issues. You could sue them as well. That's easy.

But right now I'm getting ready to go to court with your employer. One of 100's in CA actually right now LOL. They have at least 10 active cases v. plaintiffs just in the local Superior Court. NO other insurance company has as many active PI cases going on right now. I checked. I'm going to enjoy putting your comments into the record. If I don't find you I have a feeling that GEICO's own attorneys are going to find you. Your words are going to KILL any chance of any jury sympathy, like they'd get any.

Again, you don't even refer to this thread, just attack me and call me a homosexual. Are you a closet homosexual that you throw the term around so lightly? Not an accusation, but just an observation.

IMHO and observation of GEICO. They do a good job of getting the insured, especially high risk and of course they have HUGE governmental contracts, where they started, but they don't do a good job of either retention or settling claims. GEICO's advertising budget for 30 second spots is also among the largest in the business. I can literally flip on the TV and catch them running the same commercial in prime time, especially on expanded cable.

OK, I got your permission. All I wanted. Got a case to go win.

Funny how you never answer any of my statements, just insult me.

Show the posts to as many people as you want, that's the whole purpose of this forum, which you don't seem to get. You just use it as a pulpit for hate. I DON'T think that's the reason for the internet.

And actually I'm a pretty big man with a lot of stories. I've lived a lot, learned a lot, travelled a lot etc. and consider myself lucky. Although you're becoming tiresome.

Get back to you when I get back to you. And again your legal claims show you know NOTHING about the law. And quote me back in the thread where exactly I said I wanted to sue you???

And I UPHOLD every citizen's absolute Right to Privacy as does the Supreme Court. Read the entire Patriot Act sometime and see how your Right's have been amended regarding this. It needs a rewrite. I still say "Qui Ipset Custodes?". I'm sure you learned Latin in the Navy.

I'll end this short missive with a quote from Bugs Bunny which I find apropos in this situation: "What a maroon"!!

I implicitly give my permission for you to run my info and post it on this site!! you are wrong as usual though, you do not need my perm. and you know it, as for a lawsuit, you have voiced a desire to sue but you don't have the means. And please sue me, I beg of you, I have nothing against homosexuals, you are one, get over it. You have called me a racist and a homophobe, I guess I will just have to sue you for that, eventhough everyone I have spoken to feels you are the racist, and so do you, as for not re-butting anything that has been said here, you have said nothing nor asked anything, you have spewed forth all your delusions and hatred towards so far the military and the police force and Geico, you are a very little man with many big stories and I feel sad for you in a way, also as far as insults go, most people I run into find me very intelligent, and yes I seriously doubt yours. you need to find a way to back up your claims, I have showed a few of your statements to people I know and they all find you to be mildly insane, sad but true. I guess if I said I was the President of the United States and personally knew the Pope and made 27 billion dollars last year it must be true because I said it on the net. What it has to do with insurance is completely unknown to me and if I was to say these things, I assume people reading it would see me as a braggart and a fool and of course a liar. So very many or the statements you have made in your tirades or so very untrue, anyone with even a little sense knows this, but with so much time on your hands... well, just keep the mis-information coming.
P.s. you are one the the small percent that stands up to be heard, such a shame noone wants to listen to you, try telling the truth once in awhile and maybe that will change

Actually you're right on a couple of things.

A, I am the son of millionaires, multimillionaires if you want to count property and their entire personal wealth. I'm lucky enough to say that. I grew up in a very nice and expensive area of SoCal and have been to over about 1/2 the known countries of the world at last count and have been fortunate to spend at least a year in very nice areas in three areas of Europe and in Japan, many due to my parent's occupations.

No, I'm not a military brat, although I know the Admiral Nimitz family personally and have counted them as friends for over 20 years now. As a family most of us have been successful enough in life to have a decent life.

I have been what most people would consider rich in other parts of the country but out here what we consider "upper middle class" most of my life. I know many people MUCH richer and MUCH more powerful than I am, but I am NOT envious of them. One of them is currently involved in influencing much of the Presidential race and although I do not approve of his actions, I remain his friend.

I DO have a trust fund that's probably worth more than most people make in their lives that I've NEVER touched and actually had my name removed from as I plan for it go to to my own children, along with whatever meager portion I may contribute. EVERY parent that's 1/2 way decent wants a better life for their kids.

B. I haven't taken a DIME from my folks since I graduated from undergrad with a BA in English with a Piano Minor due to ideological differences and career choice differences. I didn't actually figure out what I wanted to do until I was 35. I intend to support my children until they figure out what their passion in life is.

C. Yes, I'm probably a genius, still, age takes its' toll LOL, I must question that fact though if I'm spending this much time in a personal argument with you..... LOL. Outside of defending myself against small-minded people like you, I never use my vocabulary (which you obviously don't have or don't use), or intelligence to try to belittle people unless they truly deserve it.

A long time ago, somebody smarter than I once stated: "NEVER JUDGE A MAN BY THE SIZE OF HIS WALLET" and I try to live by that, and having grown up around the world I am always curious about other people's backgrounds and views. Due to the circumstances of my birth, upbringing and surroundings, and of course the time when I grew up, there will probably never be anyone else like me. I am more alone in that regards than 99.9% of the people in the world.

D. As an adult I have been about as poor as one can get and still feed their child or children, I've suffered crippling physical injuries and have overcome them 2x so far. During that time I had a lot of spare time on my hands and my wife and I each donated over 1000 hours to our church and local community during rehab, and have found, mostly through my wife, that there IS good in most people if you look for it, however imho I also find that Les Etats Unis is in a downward spiral in many respects. I often think at times that a dictionary should be sold with every computer as the internet is a wonderful thing which wasn't here 20 years ago, but it also allows anyone access to it, the point of the whole thing. It also leads to untold of waste (read Moore's Law). I find that we are a nation of gluttons, myself included, that has the attention span of a mosquito and we have to have the best and newest of everything. I try not to buy into that and just shake my head at people who do.

E. I've recovered enough from learning my own way and making my own mistakes so that I'm successful enough NOT to ever have t rely on my family or their money or contacts. I think I make a decent living. However outside of kids, I am not enamored of material things. Yup, I MUST be SO poor as to make less than an "insurance agent" for GEICO.

Unlike you, I'm also lucky enough at this point in my life that i can usually set my own schedule and fight which battles I want to. However I have ALWAYS been stubborn and strongwilled and refuse to back down from most fights. I fight the cases that everyone tells me I can't win. "dogs with fleas" is the terminology. But in Civil cases I believe that I can help people who have no other outlet.

I'm not willing to back down from you, although I think whomever sysadmin's this should probably kick both of us off for making this so intensely personal. And especially all your eplthets.



F. Outside of living and working in both ends of California, and owning property in both ends of the State in nice areas, we don't indulge ourselves much. Property is an investment I find doesn't go down much.

G. I might now actually have a case against you for Libel as you're calling me a homosexual and all your other personal insults. Again, you descend to a level far below that any sane human would go. However as I previously stated these cases rarely succeed and the internet is a gray area.

Again as stated, EVERYONE is tough, or talks tough on the internet, like you. Sure sounds like your also a Homophobe as well. Must be nice to roll up all those hatreds into one person. I DEFINITELY plan to use your latest attack in my GEICO case to show whom GEICO is hiring and the level of service. Given the liberal area we live in, should go over REAL well with a jury.

Again, to be very clear, IMHO you're both a racist AND now a Homophobe and/or self-stated Gay-basher. Living out here in CA we're a little more tolerant of people of diverse lifestyles. I think the country as a whole is becoming that way and doesn't agree with your attitude. Accusing me of being Gay is not an insult as I don't find Homosexuals as a group insulting, and yes I do have a wife and kids whom I love very much. The hatred pouring from you sounds like you don't. Or I feel sorry for your wife and kids if this is what they hear everyday....

If you bothered to read my posts you wouldn't find ANY mention of any desire to sue you. Self-statedly YOU DON'T READ THE POSTS. HOW can you answer them in an intelligent manner. And yup, I STILL doubt your intelligence. You haven't given me any reason to NOT doubt it given your comments and attacks....

Unlike you, I've stated OPINION and caselaw. And of COURSE State Farm has serious complaints against them. However I use them as an example of an ins. company that IS well thought of in the field.

Finally, you need to give me your EXPLICIT PERMISSION EXACTLY AS I WROTE IT.

And I CAN'T tell you how WRONG you are from a legal standpoint re: posting someone's personal history or informatin onto the internet or even just selling it to anyone who comes along. First of all you have the "Rebecca Schaeffer" law which prohibits most of the selling of information or the DMV from accessing or selling this information. Second, you have the Patriot Act. The Act, while flaws imho, provides for very strict penalties for any type of behaviour such as posting someone's personal info on the internet. Third, it's a violaton of Federal telephone and wire laws.

Most importantly and Fourth, it's a complete violation of almost EVERY State's First Amendment and First SENTENCE as well as the Superior Court published opinion which stated that a person's Right to Privacy and Peace of Mind is paramount and that any violation of this should NOT be allowed (I'm parphrasing here). As a PP advocate I BELIEVE in these laws. Reason why I argue with you and your ridiculous claims re: the CHP in CA, the PD in general and the absolute FACT that Ins. as a whole (I believe they're the 2nd largest lobby in DC) VIOLATES people's personal privacy EVERY SINGLE DAY and knowingly does this. Your "permission" wouldn't hold up in court for a MINUTE and then I'D be sued for invading your privacy and violating the Patriot Act and Federal and State law.

The DMV office in Santa Monica, CA had an interesting study done. The STATE found that OVER 70% of ALL of the DMV employees were engaged in some ILLEGAL activities that included; looking up celebrities addresses, SELLING PERSONAL INFORMATION TO INSURANCE COMPANIES, as well as selling it to other marketing and individuals.

I handled a case a LONG time ago where my OWN insurance company at the time tried to cancel my ins. policy due to a speeding ticket (this was over 15 years ago, haven't received one since) which I went to traffic school for.

In CA the LAW states SPECIFICALLY that if it's your only ticket within 3 years, the paperwork at the time should have NEVER left the local DMV office IF you did traffic school, which I did. DMV employees routinely and illegally SELL information to Ins. companies. I asked the ins. rep where he got the info and pointed out that he HAD to have received it illegally as it should NEVER have entered the DMV databases in Sacramento and he had received the info illegally.

The ins. rep hemmed and hawed for about 5 minutes before finally just hanging up. I was NEVER cancelled, have never been cancelled in my life, and received a letter from the ins. company APOLOGIZING for the call 2 weeks later. Not a big victory but a personal won. Those are the best. :-)

And you're absolutely WRONG Brian. GEICO could CARE less who I am. All ANY Ins. Co. cares about is the statiscal odds of my getting into an accident, my driving record, less importantly my credit record, where I live, amount I make per year, marital status, and now both medical history and occupation are a serious factor. And of course if I pay my premiums....oh, I forgot property.

GEICO would LOVE to have my business. As I fall into the prime area for ALL of those markers. We own three pieces of property with a total worth of over 2 million $ easily. We even own part of a farm in the South. We own BOTH CA properties OUTRIGHT which not many people can say these days and we haven't had a ticket, at fault accident etc. for OVER 20 years at the least. We also have kids and great credit and a multi-car policy and carry a $250 deductible on ALL of our cars (and a motorcycle) and quite high levels of COMPREHENSIVE ins. with a RIDER written specifically for the xtras I've had added to our cars, including a custom audio system. I like music.

We have had the same insurance carrier without any problems for over four years now and before that had AAA insurance, probably the hardest to qualify for in CA. We LIKE our ins. agent yet this is a company I went to the mat with over a case less than a year before we received our insurance.

I think that's enough for today.

Enjoy your cubicle and all that hate you have inside. :-) Should keep you warm. (ripped that off from the movie Red Dawn LOL)

And you have YET to rebut anything I've said in an intelligent manner imho. Especially your last 2 posts.

And yes, it's NICE being a family man who's the son of millionaires who are EDUCATED and EDIFIED people and having grown in such surroundings. And a genius on a good day I think....LOL.

I DO know for a fact that my kids ARE both geniuses by the definition of the term due to their test scores during the past six years. I Do wonder thoough as my son is only reading two grades higher than his grade level. At his age I was reading at a much higher level and was MUCh more interested in reading.

I put it down to too much Gameboy SP and having a sibling.

Keep insulting. I'll keep answering, until I run out of time as court beckons. Have to file papers today actually. And give me your express written consent and I'll GLADLY find you and post ALL of your personal and confidential info on the 'net if that's what you want. It goes against everything I believe in, so do these silly word fights, but I'm one of the 3% that believes in standing up to be heard.

Actually you're right on a couple of things.

A, I am the son of millionaires, multimillionaires if you want to count property and their entire personal wealth. I'm lucky enough to say that. I grew up in a very nice and expensive area of SoCal and have been to over about 1/2 the known countries of the world at last count and have been fortunate to spend at least a year in very nice areas in three areas of Europe and in Japan, many due to my parent's occupations.

No, I'm not a military brat, although I know the Admiral Nimitz family personally and have counted them as friends for over 20 years now. As a family most of us have been successful enough in life to have a decent life.

I have been what most people would consider rich in other parts of the country but out here what we consider "upper middle class" most of my life. I know many people MUCH richer and MUCH more powerful than I am, but I am NOT envious of them. One of them is currently involved in influencing much of the Presidential race and although I do not approve of his actions, I remain his friend.

I DO have a trust fund that's probably worth more than most people make in their lives that I've NEVER touched and actually had my name removed from as I plan for it go to to my own children, along with whatever meager portion I may contribute. EVERY parent that's 1/2 way decent wants a better life for their kids.

B. I haven't taken a DIME from my folks since I graduated from undergrad with a BA in English with a Piano Minor due to ideological differences and career choice differences. I didn't actually figure out what I wanted to do until I was 35. I intend to support my children until they figure out what their passion in life is.

C. Yes, I'm probably a genius, still, age takes its' toll LOL, I must question that fact though if I'm spending this much time in a personal argument with you..... LOL. Outside of defending myself against small-minded people like you, I never use my vocabulary (which you obviously don't have or don't use), or intelligence to try to belittle people unless they truly deserve it.

A long time ago, somebody smarter than I once stated: "NEVER JUDGE A MAN BY THE SIZE OF HIS WALLET" and I try to live by that, and having grown up around the world I am always curious about other people's backgrounds and views. Due to the circumstances of my birth, upbringing and surroundings, and of course the time when I grew up, there will probably never be anyone else like me. I am more alone in that regards than 99.9% of the people in the world.

D. As an adult I have been about as poor as one can get and still feed their child or children, I've suffered crippling physical injuries and have overcome them 2x so far. During that time I had a lot of spare time on my hands and my wife and I each donated over 1000 hours to our church and local community during rehab, and have found, mostly through my wife, that there IS good in most people if you look for it, however imho I also find that Les Etats Unis is in a downward spiral in many respects. I often think at times that a dictionary should be sold with every computer as the internet is a wonderful thing which wasn't here 20 years ago, but it also allows anyone access to it, the point of the whole thing. It also leads to untold of waste (read Moore's Law). I find that we are a nation of gluttons, myself included, that has the attention span of a mosquito and we have to have the best and newest of everything. I try not to buy into that and just shake my head at people who do.

E. I've recovered enough from learning my own way and making my own mistakes so that I'm successful enough NOT to ever have t rely on my family or their money or contacts. I think I make a decent living. However outside of kids, I am not enamored of material things. Yup, I MUST be SO poor as to make less than an "insurance agent" for GEICO.

Unlike you, I'm also lucky enough at this point in my life that i can usually set my own schedule and fight which battles I want to. However I have ALWAYS been stubborn and strongwilled and refuse to back down from most fights. I fight the cases that everyone tells me I can't win. "dogs with fleas" is the terminology. But in Civil cases I believe that I can help people who have no other outlet.

I'm not willing to back down from you, although I think whomever sysadmin's this should probably kick both of us off for making this so intensely personal. And especially all your eplthets.



F. Outside of living and working in both ends of California, and owning property in both ends of the State in nice areas, we don't indulge ourselves much. Property is an investment I find doesn't go down much.

G. I might now actually have a case against you for Libel as you're calling me a homosexual and all your other personal insults. Again, you descend to a level far below that any sane human would go. However as I previously stated these cases rarely succeed and the internet is a gray area.

Again as stated, EVERYONE is tough, or talks tough on the internet, like you. Sure sounds like your also a Homophobe as well. Must be nice to roll up all those hatreds into one person. I DEFINITELY plan to use your latest attack in my GEICO case to show whom GEICO is hiring and the level of service. Given the liberal area we live in, should go over REAL well with a jury.

Again, to be very clear, IMHO you're both a racist AND now a Homophobe and/or self-stated Gay-basher. Living out here in CA we're a little more tolerant of people of diverse lifestyles. I think the country as a whole is becoming that way and doesn't agree with your attitude. Accusing me of being Gay is not an insult as I don't find Homosexuals as a group insulting, and yes I do have a wife and kids whom I love very much. The hatred pouring from you sounds like you don't. Or I feel sorry for your wife and kids if this is what they hear everyday....

If you bothered to read my posts you wouldn't find ANY mention of any desire to sue you. Self-statedly YOU DON'T READ THE POSTS. HOW can you answer them in an intelligent manner. And yup, I STILL doubt your intelligence. You haven't given me any reason to NOT doubt it given your comments and attacks....

Unlike you, I've stated OPINION and caselaw. And of COURSE State Farm has serious complaints against them. However I use them as an example of an ins. company that IS well thought of in the field.

Finally, you need to give me your EXPLICIT PERMISSION EXACTLY AS I WROTE IT.

And I CAN'T tell you how WRONG you are from a legal standpoint re: posting someone's personal history or informatin onto the internet or even just selling it to anyone who comes along. First of all you have the "Rebecca Schaeffer" law which prohibits most of the selling of information or the DMV from accessing or selling this information. Second, you have the Patriot Act. The Act, while flaws imho, provides for very strict penalties for any type of behaviour such as posting someone's personal info on the internet. Third, it's a violaton of Federal telephone and wire laws.

Most importantly and Fourth, it's a complete violation of almost EVERY State's First Amendment and First SENTENCE as well as the Superior Court published opinion which stated that a person's Right to Privacy and Peace of Mind is paramount and that any violation of this should NOT be allowed (I'm parphrasing here). As a PP advocate I BELIEVE in these laws. Reason why I argue with you and your ridiculous claims re: the CHP in CA, the PD in general and the absolute FACT that Ins. as a whole (I believe they're the 2nd largest lobby in DC) VIOLATES people's personal privacy EVERY SINGLE DAY and knowingly does this. Your "permission" wouldn't hold up in court for a MINUTE and then I'D be sued for invading your privacy and violating the Patriot Act and Federal and State law.

The DMV office in Santa Monica, CA had an interesting study done. The STATE found that OVER 70% of ALL of the DMV employees were engaged in some ILLEGAL activities that included; looking up celebrities addresses, SELLING PERSONAL INFORMATION TO INSURANCE COMPANIES, as well as selling it to other marketing and individuals.

I handled a case a LONG time ago where my OWN insurance company at the time tried to cancel my ins. policy due to a speeding ticket (this was over 15 years ago, haven't received one since) which I went to traffic school for.

In CA the LAW states SPECIFICALLY that if it's your only ticket within 3 years, the paperwork at the time should have NEVER left the local DMV office IF you did traffic school, which I did. DMV employees routinely and illegally SELL information to Ins. companies. I asked the ins. rep where he got the info and pointed out that he HAD to have received it illegally as it should NEVER have entered the DMV databases in Sacramento and he had received the info illegally.

The ins. rep hemmed and hawed for about 5 minutes before finally just hanging up. I was NEVER cancelled, have never been cancelled in my life, and received a letter from the ins. company APOLOGIZING for the call 2 weeks later. Not a big victory but a personal won. Those are the best. :-)

And you're absolutely WRONG Brian. GEICO could CARE less who I am. All ANY Ins. Co. cares about is the statiscal odds of my getting into an accident, my driving record, less importantly my credit record, where I live, amount I make per year, marital status, and now both medical history and occupation are a serious factor. And of course if I pay my premiums....oh, I forgot property.

GEICO would LOVE to have my business. As I fall into the prime area for ALL of those markers. We own three pieces of property with a total worth of over 2 million $ easily. We even own part of a farm in the South. We own BOTH CA properties OUTRIGHT which not many people can say these days and we haven't had a ticket, at fault accident etc. for OVER 20 years at the least. We also have kids and great credit and a multi-car policy and carry a $250 deductible on ALL of our cars (and a motorcycle) and quite high levels of COMPREHENSIVE ins. with a RIDER written specifically for the xtras I've had added to our cars, including a custom audio system. I like music.

We have had the same insurance carrier without any problems for over four years now and before that had AAA insurance, probably the hardest to qualify for in CA. We LIKE our ins. agent yet this is a company I went to the mat with over a case less than a year before we received our insurance.

I think that's enough for today.

Enjoy your cubicle and all that hate you have inside. :-) Should keep you warm. (ripped that off from the movie Red Dawn LOL)

And you have YET to rebut anything I've said in an intelligent manner imho. Especially your last 2 posts.

And yes, it's NICE being a family man who's the son of millionaires who are EDUCATED and EDIFIED people and having grown in such surroundings. And a genius on a good day I think....LOL.

I DO know for a fact that my kids ARE both geniuses by the definition of the term due to their test scores during the past six years. I Do wonder thoough as my son is only reading two grades higher than his grade level. At his age I was reading at a much higher level and was MUCh more interested in reading.

I put it down to too much Gameboy SP and having a sibling.

Keep insulting. I'll keep answering, until I run out of time as court beckons. Have to file papers today actually. And give me your express written consent and I'll GLADLY find you and post ALL of your personal and confidential info on the 'net if that's what you want. It goes against everything I believe in, so do these silly word fights, but I'm one of the 3% that believes in standing up to be heard.

Actually you're right on a couple of things.

A, I am the son of millionaires, multimillionaires if you want to count property and their entire personal wealth. I'm lucky enough to say that. I grew up in a very nice and expensive area of SoCal and have been to over about 1/2 the known countries of the world at last count and have been fortunate to spend at least a year in very nice areas in three areas of Europe and in Japan, many due to my parent's occupations.

No, I'm not a military brat, although I know the Admiral Nimitz family personally and have counted them as friends for over 20 years now. As a family most of us have been successful enough in life to have a decent life.

I have been what most people would consider rich in other parts of the country but out here what we consider "upper middle class" most of my life. I know many people MUCH richer and MUCH more powerful than I am, but I am NOT envious of them. One of them is currently involved in influencing much of the Presidential race and although I do not approve of his actions, I remain his friend.

I DO have a trust fund that's probably worth more than most people make in their lives that I've NEVER touched and actually had my name removed from as I plan for it go to to my own children, along with whatever meager portion I may contribute. EVERY parent that's 1/2 way decent wants a better life for their kids.

B. I haven't taken a DIME from my folks since I graduated from undergrad with a BA in English with a Piano Minor due to ideological differences and career choice differences. I didn't actually figure out what I wanted to do until I was 35. I intend to support my children until they figure out what their passion in life is.

C. Yes, I'm probably a genius, still, age takes its' toll LOL, I must question that fact though if I'm spending this much time in a personal argument with you..... LOL. Outside of defending myself against small-minded people like you, I never use my vocabulary (which you obviously don't have or don't use), or intelligence to try to belittle people unless they truly deserve it.

A long time ago, somebody smarter than I once stated: "NEVER JUDGE A MAN BY THE SIZE OF HIS WALLET" and I try to live by that, and having grown up around the world I am always curious about other people's backgrounds and views. Due to the circumstances of my birth, upbringing and surroundings, and of course the time when I grew up, there will probably never be anyone else like me. I am more alone in that regards than 99.9% of the people in the world.

D. As an adult I have been about as poor as one can get and still feed their child or children, I've suffered crippling physical injuries and have overcome them 2x so far. During that time I had a lot of spare time on my hands and my wife and I each donated over 1000 hours to our church and local community during rehab, and have found, mostly through my wife, that there IS good in most people if you look for it, however imho I also find that Les Etats Unis is in a downward spiral in many respects. I often think at times that a dictionary should be sold with every computer as the internet is a wonderful thing which wasn't here 20 years ago, but it also allows anyone access to it, the point of the whole thing. It also leads to untold of waste (read Moore's Law). I find that we are a nation of gluttons, myself included, that has the attention span of a mosquito and we have to have the best and newest of everything. I try not to buy into that and just shake my head at people who do.

E. I've recovered enough from learning my own way and making my own mistakes so that I'm successful enough NOT to ever have t rely on my family or their money or contacts. I think I make a decent living. However outside of kids, I am not enamored of material things. Yup, I MUST be SO poor as to make less than an "insurance agent" for GEICO.

Unlike you, I'm also lucky enough at this point in my life that i can usually set my own schedule and fight which battles I want to. However I have ALWAYS been stubborn and strongwilled and refuse to back down from most fights. I fight the cases that everyone tells me I can't win. "dogs with fleas" is the terminology. But in Civil cases I believe that I can help people who have no other outlet.

I'm not willing to back down from you, although I think whomever sysadmin's this should probably kick both of us off for making this so intensely personal. And especially all your eplthets.



F. Outside of living and working in both ends of California, and owning property in both ends of the State in nice areas, we don't indulge ourselves much. Property is an investment I find doesn't go down much.

G. I might now actually have a case against you for Libel as you're calling me a homosexual and all your other personal insults. Again, you descend to a level far below that any sane human would go. However as I previously stated these cases rarely succeed and the internet is a gray area.

Again as stated, EVERYONE is tough, or talks tough on the internet, like you. Sure sounds like your also a Homophobe as well. Must be nice to roll up all those hatreds into one person. I DEFINITELY plan to use your latest attack in my GEICO case to show whom GEICO is hiring and the level of service. Given the liberal area we live in, should go over REAL well with a jury.

Again, to be very clear, IMHO you're both a racist AND now a Homophobe and/or self-stated Gay-basher. Living out here in CA we're a little more tolerant of people of diverse lifestyles. I think the country as a whole is becoming that way and doesn't agree with your attitude. Accusing me of being Gay is not an insult as I don't find Homosexuals as a group insulting, and yes I do have a wife and kids whom I love very much. The hatred pouring from you sounds like you don't. Or I feel sorry for your wife and kids if this is what they hear everyday....

If you bothered to read my posts you wouldn't find ANY mention of any desire to sue you. Self-statedly YOU DON'T READ THE POSTS. HOW can you answer them in an intelligent manner. And yup, I STILL doubt your intelligence. You haven't given me any reason to NOT doubt it given your comments and attacks....

Unlike you, I've stated OPINION and caselaw. And of COURSE State Farm has serious complaints against them. However I use them as an example of an ins. company that IS well thought of in the field.

Finally, you need to give me your EXPLICIT PERMISSION EXACTLY AS I WROTE IT.

And I CAN'T tell you how WRONG you are from a legal standpoint re: posting someone's personal history or informatin onto the internet or even just selling it to anyone who comes along. First of all you have the "Rebecca Schaeffer" law which prohibits most of the selling of information or the DMV from accessing or selling this information. Second, you have the Patriot Act. The Act, while flaws imho, provides for very strict penalties for any type of behaviour such as posting someone's personal info on the internet. Third, it's a violaton of Federal telephone and wire laws.

Most importantly and Fourth, it's a complete violation of almost EVERY State's First Amendment and First SENTENCE as well as the Superior Court published opinion which stated that a person's Right to Privacy and Peace of Mind is paramount and that any violation of this should NOT be allowed (I'm parphrasing here). As a PP advocate I BELIEVE in these laws. Reason why I argue with you and your ridiculous claims re: the CHP in CA, the PD in general and the absolute FACT that Ins. as a whole (I believe they're the 2nd largest lobby in DC) VIOLATES people's personal privacy EVERY SINGLE DAY and knowingly does this. Your "permission" wouldn't hold up in court for a MINUTE and then I'D be sued for invading your privacy and violating the Patriot Act and Federal and State law.

The DMV office in Santa Monica, CA had an interesting study done. The STATE found that OVER 70% of ALL of the DMV employees were engaged in some ILLEGAL activities that included; looking up celebrities addresses, SELLING PERSONAL INFORMATION TO INSURANCE COMPANIES, as well as selling it to other marketing and individuals.

I handled a case a LONG time ago where my OWN insurance company at the time tried to cancel my ins. policy due to a speeding ticket (this was over 15 years ago, haven't received one since) which I went to traffic school for.

In CA the LAW states SPECIFICALLY that if it's your only ticket within 3 years, the paperwork at the time should have NEVER left the local DMV office IF you did traffic school, which I did. DMV employees routinely and illegally SELL information to Ins. companies. I asked the ins. rep where he got the info and pointed out that he HAD to have received it illegally as it should NEVER have entered the DMV databases in Sacramento and he had received the info illegally.

The ins. rep hemmed and hawed for about 5 minutes before finally just hanging up. I was NEVER cancelled, have never been cancelled in my life, and received a letter from the ins. company APOLOGIZING for the call 2 weeks later. Not a big victory but a personal won. Those are the best. :-)

And you're absolutely WRONG Brian. GEICO could CARE less who I am. All ANY Ins. Co. cares about is the statiscal odds of my getting into an accident, my driving record, less importantly my credit record, where I live, amount I make per year, marital status, and now both medical history and occupation are a serious factor. And of course if I pay my premiums....oh, I forgot property.

GEICO would LOVE to have my business. As I fall into the prime area for ALL of those markers. We own three pieces of property with a total worth of over 2 million $ easily. We even own part of a farm in the South. We own BOTH CA properties OUTRIGHT which not many people can say these days and we haven't had a ticket, at fault accident etc. for OVER 20 years at the least. We also have kids and great credit and a multi-car policy and carry a $250 deductible on ALL of our cars (and a motorcycle) and quite high levels of COMPREHENSIVE ins. with a RIDER written specifically for the xtras I've had added to our cars, including a custom audio system. I like music.

We have had the same insurance carrier without any problems for over four years now and before that had AAA insurance, probably the hardest to qualify for in CA. We LIKE our ins. agent yet this is a company I went to the mat with over a case less than a year before we received our insurance.

I think that's enough for today.

Enjoy your cubicle and all that hate you have inside. :-) Should keep you warm. (ripped that off from the movie Red Dawn LOL)

And you have YET to rebut anything I've said in an intelligent manner imho. Especially your last 2 posts.

And yes, it's NICE being a family man who's the son of millionaires who are EDUCATED and EDIFIED people and having grown in such surroundings. And a genius on a good day I think....LOL.

I DO know for a fact that my kids ARE both geniuses by the definition of the term due to their test scores during the past six years. I Do wonder thoough as my son is only reading two grades higher than his grade level. At his age I was reading at a much higher level and was MUCh more interested in reading.

I put it down to too much Gameboy SP and having a sibling.

Keep insulting. I'll keep answering, until I run out of time as court beckons. Have to file papers today actually. And give me your express written consent and I'll GLADLY find you and post ALL of your personal and confidential info on the 'net if that's what you want. It goes against everything I believe in, so do these silly word fights, but I'm one of the 3% that believes in standing up to be heard.

Actually you're right on a couple of things.

A, I am the son of millionaires, multimillionaires if you want to count property and their entire personal wealth. I'm lucky enough to say that. I grew up in a very nice and expensive area of SoCal and have been to over about 1/2 the known countries of the world at last count and have been fortunate to spend at least a year in very nice areas in three areas of Europe and in Japan, many due to my parent's occupations.

No, I'm not a military brat, although I know the Admiral Nimitz family personally and have counted them as friends for over 20 years now. As a family most of us have been successful enough in life to have a decent life.

I have been what most people would consider rich in other parts of the country but out here what we consider "upper middle class" most of my life. I know many people MUCH richer and MUCH more powerful than I am, but I am NOT envious of them. One of them is currently involved in influencing much of the Presidential race and although I do not approve of his actions, I remain his friend.

I DO have a trust fund that's probably worth more than most people make in their lives that I've NEVER touched and actually had my name removed from as I plan for it go to to my own children, along with whatever meager portion I may contribute. EVERY parent that's 1/2 way decent wants a better life for their kids.

B. I haven't taken a DIME from my folks since I graduated from undergrad with a BA in English with a Piano Minor due to ideological differences and career choice differences. I didn't actually figure out what I wanted to do until I was 35. I intend to support my children until they figure out what their passion in life is.

C. Yes, I'm probably a genius, still, age takes its' toll LOL, I must question that fact though if I'm spending this much time in a personal argument with you..... LOL. Outside of defending myself against small-minded people like you, I never use my vocabulary (which you obviously don't have or don't use), or intelligence to try to belittle people unless they truly deserve it.

A long time ago, somebody smarter than I once stated: "NEVER JUDGE A MAN BY THE SIZE OF HIS WALLET" and I try to live by that, and having grown up around the world I am always curious about other people's backgrounds and views. Due to the circumstances of my birth, upbringing and surroundings, and of course the time when I grew up, there will probably never be anyone else like me. I am more alone in that regards than 99.9% of the people in the world.

D. As an adult I have been about as poor as one can get and still feed their child or children, I've suffered crippling physical injuries and have overcome them 2x so far. During that time I had a lot of spare time on my hands and my wife and I each donated over 1000 hours to our church and local community during rehab, and have found, mostly through my wife, that there IS good in most people if you look for it, however imho I also find that Les Etats Unis is in a downward spiral in many respects. I often think at times that a dictionary should be sold with every computer as the internet is a wonderful thing which wasn't here 20 years ago, but it also allows anyone access to it, the point of the whole thing. It also leads to untold of waste (read Moore's Law). I find that we are a nation of gluttons, myself included, that has the attention span of a mosquito and we have to have the best and newest of everything. I try not to buy into that and just shake my head at people who do.

E. I've recovered enough from learning my own way and making my own mistakes so that I'm successful enough NOT to ever have t rely on my family or their money or contacts. I think I make a decent living. However outside of kids, I am not enamored of material things. Yup, I MUST be SO poor as to make less than an "insurance agent" for GEICO.

Unlike you, I'm also lucky enough at this point in my life that i can usually set my own schedule and fight which battles I want to. However I have ALWAYS been stubborn and strongwilled and refuse to back down from most fights. I fight the cases that everyone tells me I can't win. "dogs with fleas" is the terminology. But in Civil cases I believe that I can help people who have no other outlet.

I'm not willing to back down from you, although I think whomever sysadmin's this should probably kick both of us off for making this so intensely personal. And especially all your eplthets.



F. Outside of living and working in both ends of California, and owning property in both ends of the State in nice areas, we don't indulge ourselves much. Property is an investment I find doesn't go down much.

G. I might now actually have a case against you for Libel as you're calling me a homosexual and all your other personal insults. Again, you descend to a level far below that any sane human would go. However as I previously stated these cases rarely succeed and the internet is a gray area.

Again as stated, EVERYONE is tough, or talks tough on the internet, like you. Sure sounds like your also a Homophobe as well. Must be nice to roll up all those hatreds into one person. I DEFINITELY plan to use your latest attack in my GEICO case to show whom GEICO is hiring and the level of service. Given the liberal area we live in, should go over REAL well with a jury.

Again, to be very clear, IMHO you're both a racist AND now a Homophobe and/or self-stated Gay-basher. Living out here in CA we're a little more tolerant of people of diverse lifestyles. I think the country as a whole is becoming that way and doesn't agree with your attitude. Accusing me of being Gay is not an insult as I don't find Homosexuals as a group insulting, and yes I do have a wife and kids whom I love very much. The hatred pouring from you sounds like you don't. Or I feel sorry for your wife and kids if this is what they hear everyday....

If you bothered to read my posts you wouldn't find ANY mention of any desire to sue you. Self-statedly YOU DON'T READ THE POSTS. HOW can you answer them in an intelligent manner. And yup, I STILL doubt your intelligence. You haven't given me any reason to NOT doubt it given your comments and attacks....

Unlike you, I've stated OPINION and caselaw. And of COURSE State Farm has serious complaints against them. However I use them as an example of an ins. company that IS well thought of in the field.

Finally, you need to give me your EXPLICIT PERMISSION EXACTLY AS I WROTE IT.

And I CAN'T tell you how WRONG you are from a legal standpoint re: posting someone's personal history or informatin onto the internet or even just selling it to anyone who comes along. First of all you have the "Rebecca Schaeffer" law which prohibits most of the selling of information or the DMV from accessing or selling this information. Second, you have the Patriot Act. The Act, while flaws imho, provides for very strict penalties for any type of behaviour such as posting someone's personal info on the internet. Third, it's a violaton of Federal telephone and wire laws.

Most importantly and Fourth, it's a complete violation of almost EVERY State's First Amendment and First SENTENCE as well as the Superior Court published opinion which stated that a person's Right to Privacy and Peace of Mind is paramount and that any violation of this should NOT be allowed (I'm parphrasing here). As a PP advocate I BELIEVE in these laws. Reason why I argue with you and your ridiculous claims re: the CHP in CA, the PD in general and the absolute FACT that Ins. as a whole (I believe they're the 2nd largest lobby in DC) VIOLATES people's personal privacy EVERY SINGLE DAY and knowingly does this. Your "permission" wouldn't hold up in court for a MINUTE and then I'D be sued for invading your privacy and violating the Patriot Act and Federal and State law.

The DMV office in Santa Monica, CA had an interesting study done. The STATE found that OVER 70% of ALL of the DMV employees were engaged in some ILLEGAL activities that included; looking up celebrities addresses, SELLING PERSONAL INFORMATION TO INSURANCE COMPANIES, as well as selling it to other marketing and individuals.

I handled a case a LONG time ago where my OWN insurance company at the time tried to cancel my ins. policy due to a speeding ticket (this was over 15 years ago, haven't received one since) which I went to traffic school for.

In CA the LAW states SPECIFICALLY that if it's your only ticket within 3 years, the paperwork at the time should have NEVER left the local DMV office IF you did traffic school, which I did. DMV employees routinely and illegally SELL information to Ins. companies. I asked the ins. rep where he got the info and pointed out that he HAD to have received it illegally as it should NEVER have entered the DMV databases in Sacramento and he had received the info illegally.

The ins. rep hemmed and hawed for about 5 minutes before finally just hanging up. I was NEVER cancelled, have never been cancelled in my life, and received a letter from the ins. company APOLOGIZING for the call 2 weeks later. Not a big victory but a personal won. Those are the best. :-)

And you're absolutely WRONG Brian. GEICO could CARE less who I am. All ANY Ins. Co. cares about is the statiscal odds of my getting into an accident, my driving record, less importantly my credit record, where I live, amount I make per year, marital status, and now both medical history and occupation are a serious factor. And of course if I pay my premiums....oh, I forgot property.

GEICO would LOVE to have my business. As I fall into the prime area for ALL of those markers. We own three pieces of property with a total worth of over 2 million $ easily. We even own part of a farm in the South. We own BOTH CA properties OUTRIGHT which not many people can say these days and we haven't had a ticket, at fault accident etc. for OVER 20 years at the least. We also have kids and great credit and a multi-car policy and carry a $250 deductible on ALL of our cars (and a motorcycle) and quite high levels of COMPREHENSIVE ins. with a RIDER written specifically for the xtras I've had added to our cars, including a custom audio system. I like music.

We have had the same insurance carrier without any problems for over four years now and before that had AAA insurance, probably the hardest to qualify for in CA. We LIKE our ins. agent yet this is a company I went to the mat with over a case less than a year before we received our insurance.

I think that's enough for today.

Enjoy your cubicle and all that hate you have inside. :-) Should keep you warm. (ripped that off from the movie Red Dawn LOL)

And you have YET to rebut anything I've said in an intelligent manner imho. Especially your last 2 posts.

And yes, it's NICE being a family man who's the son of millionaires who are EDUCATED and EDIFIED people and having grown in such surroundings. And a genius on a good day I think....LOL.

I DO know for a fact that my kids ARE both geniuses by the definition of the term due to their test scores during the past six years. I Do wonder thoough as my son is only reading two grades higher than his grade level. At his age I was reading at a much higher level and was MUCh more interested in reading.

I put it down to too much Gameboy SP and having a sibling.

Keep insulting. I'll keep answering, until I run out of time as court beckons. Have to file papers today actually. And give me your express written consent and I'll GLADLY find you and post ALL of your personal and confidential info on the 'net if that's what you want. It goes against everything I believe in, so do these silly word fights, but I'm one of the 3% that believes in standing up to be heard.

You should know as a lawyer, computer genius, son of millionaires and all around extraordinary human being (give me a minute while I wash my hands of the vileness) that you do not need my permission to post these things, but for the record, you have it, although your original statement was that you could use it to take me to court, please do so, I could use the money, for the record, you use a computer at the library as you are to poor to afford one, nothing wrong with being poor, that is just your lot in life, you are not a lawyer nor do you have a job, we both know these things to be true.

As for insults, you started them, they are enjoyable though especially when I hit so close to home that it makes you cry. Racism? speaking spanish? I am sorry that as a minority you feel so inferior, the way you go on and on about it, it am sure you are. Will I one day speak spanish? No, I am an American and speak English, I am sorry that you are ashamed of the country in which you know live, try living elsewhere, whoops, you are to poor to afford to move. As for placing the blame on those who whine about how they were treated! if they are too stupid to realize they can use any company they choose, then so be it, the companies follow the laws to the best of their abilities, those of you out there that feel the need to rip them off, and I do include you in this, should be sought out and properly placed where you belong. also I looked up State Farm on this site and others since you seem to have an affection that goes beyond normal for them,and low and behold they have people complaining about them, who would have thought.

So keep writing about how smart you are, keep telling us about your parents and how great they are and tell us some more about your kid and how smart he is and how his school is soooooo racist yet you keep him going there. We all happen to know you are poor, your parents have disowned you and you have no children as you are homosexual. like I said before, seek help.
P.s. I am waiting to see you in court

Brian,

Again YOU DON'T ANSWER ANY OFF THE QUESTIONS OR PROBLEMS THE ORIGINAL PEOPLE POSTED.

Basially this has now become a personal pi**ing match between you and I. Keep it up. I'm sure you're doing wonders for people who read this thread...your original answer was to attack the original posters and basically state that it's always the consumers fault. Honestly tho I think GEICO would be more interested in your remarks since you're making them as a self-stated employee of theirs. And you since you DON'T read my posts, how can your rebutt them? Your arguements are about as silly as some of the PI defense attorneys arguements or Providian's BK defense that I heard.

If you're an "Agent" than you DON'T deal with claims. You act as if it's YOUR money. It's not. As a well-mannered claims adjuster just stated to me, he has the best job in the world, he gets to give out $$$ for a living. I thought that was a good attitude although the truth is he still gets paid on how many cases he closes and for how little.

Since the beginning your posts have been a series of attacks against everyone. You're MAD that people file claims or complain about service?? Then DO something about it or get out of the ins. industry and do something you enjoy. The PURPOSE of ins. is so that any one person doesn't shoulder the blame for an incident. And BY LAW you have to carry ins. or post a bond (nobody does this). For high risk drivers out here they create an Ins. pool so that ALL ins. companies HAVE to carry some high risk drivers at exorbitant rates. Young people are getting priced out of the insurance game because it costs so much. My best friend had his insurance TRIPLED for an non-at-fault accident. He shopped around and found another company that offered him the same policy WITH the accident on his record for $300 less a month. He now has his ins. tied into his house and has NO idea what portion it is. Silly imho.

If you really want me to find you and expose you I will.

Do this EXACTLY: Post on this thread your ABSOLUTE AND COMPLETE AND EXPLICIT PERMISSION FOR ANYONE TO POST ANY AND ALL OF YOUR PERSONAL INFORMATION, INCLUDING BUT NOT LIMITED TO WORK HISTORY, CREDIT HISTORY, CRIMINAL HISTORY (if any), YOUR FULL NAME, NAME OF SPOUSE, PHONE #, ADDRESS, AGE, BIRTHPLACE AND ANY MEDICAL RECORDS. ALSO THAT YOU HOLD ANYONE WHO POSTS THIS INFORMATION COMPLETELY AND LEGALLY BLAMELESS AND WILL NOT BEGIN OR HAVE BEGUN IN YOURS OR YOUR SPOUSE'S NAME ANY LEGAL ACTION AT ANY TIME FOR THESE ACTIONS. That's MUCH less exculpatory than most ins. riders or "fine print".

You threw up the challenge. I may be wrong, I may be right (about 98% correct so far in hunting down people, I'm NOT proud to say I used to do collections for a large institution when I was very young). I'm willing to take it. I'll just job it out to one of the people we use and let them handle it. Or I'll do it myself. However as posted before I'm getting ready for court v. GEICO right now. They'd rather fight than settle.

Otherwise even YOU should know that posting someone else's personal and private info on the internet is a violation of both State and Federal law, Statute and Code. Among other things I'm a personal and privacy rights advocate and have fought a class action re: employment and racial rights and have another case coming up next year in Federal Court on the same matter.

If you're an "agent" for GEICO does that mean you're one of the myriad telephone operators whom they employ in the callcenters???

And yes, IMHO your statement and obvious conviction that I am African American based on my former statement was COMPLETELY racist and that it's a "CRUTCH" for people of color to use. VA MUST be a perfect State where they have NO racism whatsoever....In my area of NorCal there was a CAUCASIAN kid who was first stopped, and then arrested for drug dealing (case pending v. the local PD) for hanging out with his BLACK friends in THEIR neighborhood on the street. NO drugs were found, the kid comes from a good family, ALL the kids had NO priors and yet if you're CAUCASIAN or anything else but BLACK there are a LOT of areas of CA where the police will stop you on the theory that you're either there to buy drugs or sell drugs. Heck, in LA they closed down about a 10 block SQUARE area of Pico/Hoover in an attempt to cut down on drug dealing. Blocked off the streets, walking patrols ALL day, imposed a curfew and you HAD to show ID if you wanted to get into the area. This was back in the late 80's early 90's. And that's NOT an abuse of power??? List goes on and on.

Funny how the ONLY two people defending GEICO in this thread in ANY manner are BOTH EMPLOYEES, although Jennifer's comments didn't rise to the level of absurdity your's have.

I think people who read this can figure out who the compulsive liar is......and I still find your original statement to be extreme and without merit.

Sigh, bitter little people like you don't deserve my time. However I can never resist a challenge, either in court or here.

So go ahead and post your explicit permission and I'll find you. And I'll post what I find. Fair enough. Might take me a little while. Work comes before you. As does my family and about a million things, but I'll do it. Have no doubt about that. As long as I don't break any laws I have NO problem doing this for you. Afterwards I'll turn it over to GEICO. They're eventually responsible for your actions. If you're posting these flames from work, more the better. Make a great lawsuit imho.....The funny thing is, I don't really dislike Warren Buffet Jr., but I'm one degree of separation away from him if I want to ask a REALLY big favor of a friend. I think he'd take 5 minutes to talk to me but he has NOTHING to do with the day to day biz of GEICO. What I DON'T like are GEICO's practices, much like much of big business and most ins. companies and what I DID state before is that I found STATE FARM to be MUCH more respectable and HONEST than my dealings with GEICO. Yes, they use standard industry practices which I find abhorrent, however when it comes time to settle, they actually KNOW how to admit fault, something you've never learned. And they settle on a mildly fair basis. And no, I know of NO lawsuits where they've been sued for practicing without a license like GEICO has recently.

The rest of your last post isn't worth responding to. I've posted firsthand knowledge and caselaw that ANYONE can look up or find given the identifiers, and all you've posted are insults.

In closing, there IS no "White Majority" in the USA ANYMORE. Latino Births are reported as being 51% of ALL new births in the USA. Caucasians are a PLURALITY at BEST in almost every State in the USA. At EVERY UC school out here, Caucasian students haven't been a majority since the 1980's. ASIANS are a PLURALITY if not a MAJORITY at almost every decent UC school. BLACK students are growing at every UC school, however there are EXCELLENT AFRICAN-AMERICAN based colleges and Universities.

As for me being stupid. The average reading level of the military is between the 4-6th grade level. And if you were so smart why not accept an ACADEMIC scholarship to a college.

And as for English, I'll match my English Aptitude scores v. yours ANYTIME. Even at 2nd grade my English scores exceeded yours...(ecology over birth imho) and I'm NOT a native English speaker. By 6th grade I was in the 99th% on the old SSAT. I was one of only three students at my prep school (#1 in the country at that time) to EVER score in the 99% on that test. By HS I had slipped all the way down to the 97% in English on the SAT and ACT's. And I qualified as a National Merit Scholar. You?

FYI These were the OLD HARDER tests. Can you state the same? And if you grew up in Ojai the tests are SKEWED. I grew up in a LARGE city in CA. They make the tests harder or easier by region or community or State so to get Federal funding AND they test you v. the REST of your pool. I doubt Ojai was exactly a metropolitan back then......If I had lived in AR when I was 18 I would have automatically received the NMS award due to the state's differing standards.

FE: My son when in first thru fourth grade was singled out and tested on ALL subjects as he scored among the top two in his class in every subject and had the best report cards. His school actually reported kids SICK on that day that didn't test well or were non-English speakers. Out of over 140 kids, only 88 in the ENTIRE SCHOOL were tested and the school STILL FAILED the aggregate level of CA elementary schools and lost over a mil in funding.....they tried this EVERY year he was there. THAT's racism and an illegal attempt to skew the results.

So go ahead and call me stupid LOL. I've been classified as at least "gifted" by the school testing systems through college. And yup I'm a member of that stupid Honor society. Both parents were/are longtime members of Mensa. I wasn't allowed to be stupid.

I've never bothered to take the test. However I have taken the standard military IQ test way back when, as well as numerous versions of the standard IQ test. I'd qualify even after all these years. Heck, the cutoff point is only 132 I think. Not really something you put on a resume unless your a complete tool. One of the reasons I'm effective in court is I have an eidetic memory. Proven and tested numerous times.

However real life is different. To quote an ex-attorney of mine. "Just because you're smart, doesn't make you rich". Truism I think. Had to learn that the hard way.

Yup, listing facts MUST make me a compuslive liar....NOT And better start learning how to speak Spanish Brian or plan to move. The White Majority isn't!!!

And THAT's my .02

Just so you know, I did not read all of your rant, you complain that you are attacked but all you do is levy attacks personal and ignorant and untrue, you imply I am unintelligent, in your racist world I am. You attack anything that goes against your fantasy, everyone that has read this knows you are a compulsive liar, this is not an insult, simply a fact. I still implore you to run me down in the computer unless a) you are afraid or b) as we all know, that was a lie also. Do yourself a favor and please seek help! you seem to have this attitude of " I can say what I will but if anyone disagrees they are rude and ignorant" well in your world they are, in the rest of the world there are consequences for lies. I do feel that I am intelligent in the second grade I was doing high school level work, I also believe everyone I have had read this, that you are not very intelligent but you do have a vivid and active fantasy, once again, not an insult, although you will take it as one, more an observation by the majority. And I also know that by saying Majority you will take it as the White Majority because you feel that if their not with you, they must be racist. Sigh!! Please seek help! I will not respond anymore to your ramblings as I have a job that does not give me all day to make things up. Have a nice life and please don't call GEICO, we do not want your business.

Sigh,

You know this would almost be worhtwhile or productive in an adversarial discussion if I were debating with an INTELLIGENT and open person.

Instead of one who's first post started out with "Oh the poor ripped off Americans, try reading your paperwork for once, try calling and asking questions on your policy, try calling and speaking like a humanbeing and not yelling because your not getting your way! Us insurance agents have to obey laws, laws that your states set forth!". Talk about a chip on your shoulder. I truly hope you don't treat your own

In my last post I specifically stated that State Farm Ins. has NEVER been sued for attempting to issue ins. without a license, I've never stated that they haven't been sued.

It's also absurd how you personally attack me instead of using any form of intelligence. And what does being the "King of Spain" or the "owning Disneyland" have anything to do with ins.? My world is just fine thank you very much and I don't have any delusions of grandeur last time I checked. I DO doubt your intelligence due to the severity of your personal attacks and your lack of facts.

You question my facts yet you only state that you've "talked" with many LE people out here. And that you know CA because you grew up in Ojai, CA. I think you would need to travel and live in this State a little more to "know" the State. I've lived, and we own property in both SoCal and NoCal.

"Quack" is usually a name used for doctors, which I am not v. my parent's wishes. However there's still time to go back to school for that if I want but I don't think I'd make a good doctor. Lawyers are usually called "weasels, scumbags, bottom-feeding slime, parasites" and many other things out here, not including the profane names.

I personally think you HAVE to sell your soul, lose all your morals, and be willing to ruin people's lives if you're a PI DEFENSE attorney.

And you wouldn't last 2 minutes in court against me. Your lack of legal knowledge proves that. To impeach an expert witness, the other party MUST, and is allowed to CHALLENGE EVERY expert medical witness on any of the following, a bias specifically concerning the issue or specific action, lack of expertise in the field, personal or private conflicts, past behaviour in similiar cases, or the other party has incorrectly subpoenad or abused the Discovery process.

THAT's how you impeach a witness. The Judge THEN decides on whether or not the EW's testimony should be heard if it's during Motions in Limine BEFORE the case when this stuff is usually held in a PI case, or you can CHALLENGE the EW directly BEFORE their testimony or AFTER ANY PART of their testimony. It's a VERY standard ploy among PI defense attorney's to jump around a lot when voire diring a EW or ANY witness in an attempt to confuse them and give conflicting answers as to dates/times/injuries etc.

Let's see, you were a squid in the Navy and were a paramedic. Let's see, in my past I've worked with autistic children at a major UC hospital in a Biochem project, worked as a counselor in a Christian boys home, and I've been part of a several research teams in the Biochem field at two of the best WC Univ. hospitals as well as done research in the private sector. One of the last jobs I turned down was at a hospital. I don't know if I ever held human life in my hands but I DID help autistic and down syndrome kids and make their life better. Not sure I'd boast about "holding life in my hands" either.

I can applaud your duties as a paramedic in the Navy. However if you say I win, I'll accept. :-D And out here in the private sector you can be a paramedic without college training if you want. Our local JC offers the entire course. Many of my FD friends or wanna-be FD friends took the paramedic course to help them get a job in a FD. Harder than GOLD to find a full-time FD job out here. Local FD chief (one of three) is our neighbor and longtime friend. Cush job after a certain age and in a nice area. Not many fires. About 1 big one a year.

Doesn't excuse your personal attacks or horrible manners or attitude though.

As for being tough. EVERYONE's tough on the internet. I TURNED DOWN the military. I could have been a ring knocker and I TURNED IT DOWN. Tell me that that was offered to you as well.....or that you EVER got through 2-a-days in a Div I football program in 100F heat during the Summer and made the team, TWICE (different schools)?? Not comparable to military training but my best college friend is married to an ex-Marine. Nice guy who did 6 years. However he was SMART enough to go back and get a 4 year degree at least and get a BETTER job. I like him but he's rather limited intelligence wise and he never touched anything martial arts wise outside of what he learned in basic. Tough is a subjective word. i studied more than him in that area of life. He's now SOFT after being out for 10 years and mildly happily married with kids. On my list of people I wouldn't consider him "tough" nor do I think he considers himself tough, yet he was in one of the toughest services. Mentally tough? I'd like to see you prosecute in Federal court and beat 18 adversarial attorneys during a 3 1/2 year trial. NOTHING goes quickly in the court system out here!!!! I don't think I need to prove how tough I am anymore. I think I'm beyond the "my dad can beat up your dad" level.

I was SMART enough to have my choice of schools for my undergrad degree with a "full boat" to several schools based on both academics and athletics. And probably the color of my skin. Reality of the world and it's NOT a crutch as you call it. BOTh of my parents were in the 50% tax bracket (still are) so it's kind of HARD to prove yourself with those kinds of advantages. Outside of my undergrad degree, I've done EVERYTHING ELSE without ANY family help. I DIDN'T want to be a doctor as my parents wanted me to be. I'm the "black sheep" (lol) in the family because I DIDN'T go into medicine. With malpractice ins. the way it is, I'm glad I didn't.

Funny, I didn't even SAY which ins. company it was that had such a horrible office but you automatically assumed I was speaking about GEICO.

And FYI, the SD office handles CLAIMS for the most part. I've dealt with their claims people. GEICO wholly owns numerous law firms and THAT's whom I deal with. Like I said, you're OWNED by Warren Buffet, 2nd richest man in the world. Wizard of Omaha they call him. I've read his books. They don't mention he's also a strikebreaker and all the other negative facets of his business life. Otherwise the books wouldn't have been published.

Much like everyone else, I find them GEICO's claims adjusters NOT to be nice and much like you they shoot their mouths off and make medical diagnosis over the phone on peeople they've never seen according to their tables and charts. I have several friends in the ins. business and in adjusting and like I mentioned the other side of the family DID own a small ins. company for a long time. Went out of business specifically due to new State laws etc. and no one was left who wanted to take over the business.

I find your mindset to be extreme but predictable. Much like in medicine (spent enough time in and around hospitals to figure this one out) or like LE work, you get inured to people's claims of suffering etc. because a LOT of people DO lie or want to extract the most from their accident claim. I'm not one of them though.

In my latest case I was talking with the ex LE adjuster. We got along fine. He was telling me about a year old claim where the family was stating that the car accident made one of their children have her appendix taken out a month later and the other daughter was STILL seeing a therapist supposedly.

Adjusters get paid and get raises etc. on how many cases they clear, otherwise they lose their jobs. They also get paid on how LITTLE they settle the claim for. They're NOT allowed to use KBB in their valuations, a BIG reason why people scream at them. You either let it go or you act like Brian I guess. As an "agent" though your job should be SELLING, NOT complaining about how many people are abusing the system or ruining your day.

Heck, I get B-Day cards, Xmas cards, even EASTER cards from our auto ins. agent. So does my wife. THAT'S how you run a business. Even though our rates have gone up we STAY with him due to the SERVICE and his MANNER. And last time I checked. GEICO was a WHOLLY OWNED PRIVATE COMPANY, yet the SD office is separately privately owned?

In closing why would I want to sue you? You're assuming again just because I said I can find you and will probably use your comments in court that I would want to sue you, for what? Libel? Slander? Puhleeze. Those actions are NEVER successful, although at this point I could probably prove pre-meditation. However internet law is SO grey that barring your rather profane insults and innuendos, most that would probably happen is that you'd get your ISP account barred and closed. That's pretty easy to do, but this website is SUPPOSED to be about a FREE EXCHANGE within limits as is the internet. I'm sure the SD office could identify you for me if i really needed it that bad.

See, GEICO IS actually concerned about their public image. As a stated "employee" and representing yourself as such, I don't think you're doing them a lot of good.

We can go round and round forever Brian but it doesn't help this thread or the people you've personally insulted. Sorry but I'm one of the 3% of people who actually DO SOMETHING or actually complain about a situation until it's rectified to my satisfaction.

Given the traffic this website gets don't you think that your comments as an "employee" may be HURTING your own business??

I know in the past GEICO was never my fave company, now I just dislike them more. And I would NEVER GIVE ANY BUSINESS TO OR RECOMMEND GEICO IN ANY MANNER.

Power of Free Speech.

Again just my .02 plus inflation and I know most of this is offtopic but this is just going On and On and yup, I'm a last word freak. Comes in handy in the courtroom LOL.

Ok, lets see here, I am founder and emporer of California, I am Almighty King of Spain and I own Disneyworld, it sure is nice to live in a fantasy world isn't it? Your rants are interesting but they lead nowhere! you state alot of hooey and you drool alot. Also your statement that State Farm has never been sued? By every state in the Union they have been sued! for numerous infractions! and please run me down in the computer and sue me, PLEASE!!!!

I would love to get the chance to go to court with your ummmmmmm law firm you quack! of course my insults are personnel, you are a nut job with way to much time on his hands, you were never in the military because they would not take you, you were not tough enough. After reading you rant over and over, I am almost saddened that the state has to pay for your care and that you probably believe half of what you say.
Just for the record I was in the Medical field in the Navy as a Paramedic, I held human life in my hands, now I know, I know, you had more responsibility and you saved the world!! you win!!

P.s. you never impeached anyone in trial, only a judge can do that.
P.s.s. A regional supv. never came out to take over an office, Geico only has one office in Ca and that is in San Diego and they are privatley owned.
Other than that keep up the lies and fantasy and once again please look me up, I would love to meet in person!

Ojai, CA? LOL You must be JOKING ME. Ojai is about as boondocks as you can get out here. And you KNOW CA? because of growing up Ojai. Right. Try living out here in the land of the fee and the most litigous State in the country.

Your remarks were made up basically of ALL personal insults. And since you want to make this into a pi**ing contest instead of an arguement about GEICO's "bait and switch" policy on policies :-)....

Uh, I stated "as a person of color". Last time I checked my skin wasn't white. And yes, lots of Asians consider themselves that. If you went to S. Africa while they had Apartheid and you were Asian you HAD to go to a colored hotel and were considered a person of color. You're STILL the one who used acronym "dwb" in regards to me assuming I was Black (not saying I'm not either), I just pointed out here that you're more likely to get pulled over if you're Latino or Asian. More likely Latino imho.

Uh, NO, I wasn't STUPID enough to enter the military out of HS or at any other time since there wasn't a war on and I didn't need the dough to get where I was going. Doesn't take a lot of BRAINS to get into the military or stay in. I turned down ROTC and guaranteed OTC (old name) and paid college and grad school from the military OR a spot in ANY Academy I wanted (close friend was a 10 term Congressman, each one is allowed to appoint one senior per year to an Academy, usually goes to kids who write in and WANT the spot.). And I went to two of the top ten PRIVATE prep schools in the country and earned both academic and athletic scholarships way back when and was appointed a Cong. Page before the scandals so watch your mouth. I'll match up my degrees and certifications and accomplishments against yours anyday.

And NO, I got OUT of law enforcement shortly after competing training and after graduating from undergrad. Wasn't worth 20 years of my life or what myself or my folks wanted. It was interesting tho. Out here you STILL only need 2 years of JC with or to graduate from an academy and be 21 or so to apply to become a policeman. It's an honest profession, pays pretty well, and like everything there are good cops and bad cops. IMHO it becomes to political after you make detective. Qui ipset Custodes? I've honestly met only two smart and honest policeman in my life. One in an adversarial situation. We're still friends. I find most of them too "gung h*o", like you. Although about 90% of my local lodge ARE LE types. Don't go there much anymore.

And yup I've worked security, held a guard card WHEN I WAS EIGHTEEN as I didn't want my folks to get me a cush Summer job after HS.

Since then I've received FBI clearance, am bonded (have to be in my field), and we do computer work and I specialize in computer networking and physical onsite security for everyone from your bank to small businesses to the gov. I've been a gov sysadmin, university sysadmin, etc. etc. and held more repsonsibility than you'll EVER hold.

It's funny how you think I would believe in Aliens or stuff would be trickling down my leg.
I wouldn't worry too much about that if I were you. Stating that you've been in the military, there are certain things you don't talk about even there, EVER. You should know that if you spent time in the military. I doubt the gov. tells us everything (think Groom lake) about everything although when they contract me out I'm happy to sign the non-disclosure and take their $$'s. :-D Beats the heck out of law.

FYI State Farm is MUCH more honest than your company. And they don't get sued by STATES for attempting to bypass both Fair Trade and State LICENSING requirements.

One of my family's businesses (I don't take part in it) is one of the largest metal refinerys in the USA. That company has been in business for over 50 years and has NEVER been sued by ANYONE and has been profitable and employs a large part of several States. Someone in our family has been at the head of that company since the day it was founded.

Too anyone reading this, and you WONDER why ins. premiums are so high with this type of mentality? Talk about B over A at the very least.

And nope, I don't hate cops. I hate any abuse of power, ESPECIALLY ins. companies and I've gone up against them in court and I win. Trying to get out of that area of my life. I don't hate ALL of them tho. Don't hate any of them. I DISLIKE GEICO's dishonest tactics both in negotiations and in the courtroom and the fact there ARE no controls that I can see in much of the ins. business, GEICO specifically as it's owned by a single person who's rich and powerful enough to do whatever he wants (Warren Buffet, 2nd richest man in the USA, reported by FORBES latest issue on that). I especially dislike the attorneys that GEICO uses.

It's an OLD ins. axiom that I find too true today. Pretty much ANY Ins. company will spend 10x what it would cost to settle your case in attorney fees to beat you in court. There's a mathematical FORMULA based on court time v. possibility of the plaintiff in a PI case taking a smaller sum. And EVERY ins. company I've ever come in contact with sends out the "investigation" letter before they do ANYTHING and it means NOTHING as they DON'T DO any investigation, except for the claims adjuster sits behind his desk and figures out on a table how much it's going to theoretically cost to settle your case. i find GEICO to be especially slimy in their dealings with injured persons imho AND they SPECIFY SECOND HAND PARTS OR NON-OEM PARTS TO SAVE MONEY and they WON'T change their estimates even if you demand OEM parts in what I've seen. You are FORCED to take what GEICO is willing to give. A wiser man than I am stated:"Insurance is the closest thing to oranized crime". In some instances it might be true. I KNOW claims adjusters who don't EVER go look at a car even if BY LAW they have to before they write up their offer.

NO FAULT insurance is a MUCH better way of handling things. It'll NEVER happen in CA because the trial lawyers assoc. is too strong. A LOT of States have versions of it and it WORKS.

RE: the original topic of this report......i BELIEVE the man when he says that's what happened. Only HE would know. And he has no ulterior motive to write his opinion here. He's obviously angry at his treatment. And so are others....and I find this imho TYPICAL of GEICO behaviour. And yes EVERY INS. COMPANY HAS THEIR OWN SCORING SYSTEM AND SHARES IT WITH OTHERS. You WILL get at least a note on your internal Ins. record even if you're NOT at fault in an accident. These are -1 according to a friend of mine who works as an adjuster in SF.

A LONG time ago I was prosecuting a small PI case and it took approx. 5-6 months to settle and I had to speak with 3 different claims people and finally a regional supervisor who had come down to take over the office because she stated "it was so messed up here". I had sent a demand letter 3 weeks before and they insisted on waiting the 30 days to hear from their insured.

They wound up paying over $1800 OVER what they would had paid if they had just settled.

i DON'T consider that smart business.

You keep teeing them up Brian and I'll keep knocking them out of the park. BTW The personal insults are childish and imho you do have a streak of racism in you. Given the info you've already shared I wonder if YOUR supervisor would appreciate your personal attacks and comments. As you're posting and representing yourself as an EMPLOYEE of the company, the company's liable for your actions even if you do it on your own time. However, live and let live. Not worth the $8.00 it would cost me or my firm to do a complete computer rundown.....internet's a SCARY place. If you p**s me off enough i WILL run you down thru the 'net. Done it before and I'll do it again. And no, you're not supposed to be scared. It's not a threat. Never a threat.

And you should be more concerned with FIXING these people's problems than insulting myself and my parents. They'd laugh at what you type. I gave up trying to surpass them a LONG time ago career wise and try and be happy within myself and my family.

BTW I'm a PARTNER :-) in this firm at least. I don't have to answer to anyone but myself. And I get to go up against GEICO in court again in about two weeks. Should be fun. I'll see if I can use your posts as proof of your company's attitude in court. LOL. I've already impeached two of their "expert" medical witnesses whom they pay $1500 an hour. That alone has already cost them over $10k in court costs and we're not even in front of the jury yet. GEICO has been trying to avoid this jury trial for over two years now. Time to pay the piper. Actually I bet the defendants will BK out of it, GEICO will pay the minimum, I'll wind up waiving my costs and the plaintiffs will get a crappy maximum award. FYI in CA it's almost IMPOSSIBLE to go after personal assets or the people will BK out. Last time I heard of someone paying up was in the 70's. At fault driver crippled a kid and after six months or so the family found a YOUNG lawyer who went after the guy. He was HONEST and MORAL enough to come up with 350k and mortgaged his house, much more than his 25k in ins. and paid off most of the kids medical bills. 70's were a different time tho ins. wise. Last time I checked CA's own Ins. commissioner was under a couple of criminal indictments himself for abuses regarding insurance companies and favoritism. Sigh. Time to move. Maybe to VA LOL.

So in a couple of weeks if I don't have time to play I hope you understand.

Ojai, CA? LOL You must be JOKING ME. Ojai is about as boondocks as you can get out here. And you KNOW CA? because of growing up Ojai. Right. Try living out here in the land of the fee and the most litigous State in the country.

Your remarks were made up basically of ALL personal insults. And since you want to make this into a pi**ing contest instead of an arguement about GEICO's "bait and switch" policy on policies :-)....

Uh, I stated "as a person of color". Last time I checked my skin wasn't white. And yes, lots of Asians consider themselves that. If you went to S. Africa while they had Apartheid and you were Asian you HAD to go to a colored hotel and were considered a person of color. You're STILL the one who used acronym "dwb" in regards to me assuming I was Black (not saying I'm not either), I just pointed out here that you're more likely to get pulled over if you're Latino or Asian. More likely Latino imho.

Uh, NO, I wasn't STUPID enough to enter the military out of HS or at any other time since there wasn't a war on and I didn't need the dough to get where I was going. Doesn't take a lot of BRAINS to get into the military or stay in. I turned down ROTC and guaranteed OTC (old name) and paid college and grad school from the military OR a spot in ANY Academy I wanted (close friend was a 10 term Congressman, each one is allowed to appoint one senior per year to an Academy, usually goes to kids who write in and WANT the spot.). And I went to two of the top ten PRIVATE prep schools in the country and earned both academic and athletic scholarships way back when and was appointed a Cong. Page before the scandals so watch your mouth. I'll match up my degrees and certifications and accomplishments against yours anyday.

And NO, I got OUT of law enforcement shortly after competing training and after graduating from undergrad. Wasn't worth 20 years of my life or what myself or my folks wanted. It was interesting tho. Out here you STILL only need 2 years of JC with or to graduate from an academy and be 21 or so to apply to become a policeman. It's an honest profession, pays pretty well, and like everything there are good cops and bad cops. IMHO it becomes to political after you make detective. Qui ipset Custodes? I've honestly met only two smart and honest policeman in my life. One in an adversarial situation. We're still friends. I find most of them too "gung h*o", like you. Although about 90% of my local lodge ARE LE types. Don't go there much anymore.

And yup I've worked security, held a guard card WHEN I WAS EIGHTEEN as I didn't want my folks to get me a cush Summer job after HS.

Since then I've received FBI clearance, am bonded (have to be in my field), and we do computer work and I specialize in computer networking and physical onsite security for everyone from your bank to small businesses to the gov. I've been a gov sysadmin, university sysadmin, etc. etc. and held more repsonsibility than you'll EVER hold.

It's funny how you think I would believe in Aliens or stuff would be trickling down my leg.
I wouldn't worry too much about that if I were you. Stating that you've been in the military, there are certain things you don't talk about even there, EVER. You should know that if you spent time in the military. I doubt the gov. tells us everything (think Groom lake) about everything although when they contract me out I'm happy to sign the non-disclosure and take their $$'s. :-D Beats the heck out of law.

FYI State Farm is MUCH more honest than your company. And they don't get sued by STATES for attempting to bypass both Fair Trade and State LICENSING requirements.

One of my family's businesses (I don't take part in it) is one of the largest metal refinerys in the USA. That company has been in business for over 50 years and has NEVER been sued by ANYONE and has been profitable and employs a large part of several States. Someone in our family has been at the head of that company since the day it was founded.

Too anyone reading this, and you WONDER why ins. premiums are so high with this type of mentality? Talk about B over A at the very least.

And nope, I don't hate cops. I hate any abuse of power, ESPECIALLY ins. companies and I've gone up against them in court and I win. Trying to get out of that area of my life. I don't hate ALL of them tho. Don't hate any of them. I DISLIKE GEICO's dishonest tactics both in negotiations and in the courtroom and the fact there ARE no controls that I can see in much of the ins. business, GEICO specifically as it's owned by a single person who's rich and powerful enough to do whatever he wants (Warren Buffet, 2nd richest man in the USA, reported by FORBES latest issue on that). I especially dislike the attorneys that GEICO uses.

It's an OLD ins. axiom that I find too true today. Pretty much ANY Ins. company will spend 10x what it would cost to settle your case in attorney fees to beat you in court. There's a mathematical FORMULA based on court time v. possibility of the plaintiff in a PI case taking a smaller sum. And EVERY ins. company I've ever come in contact with sends out the "investigation" letter before they do ANYTHING and it means NOTHING as they DON'T DO any investigation, except for the claims adjuster sits behind his desk and figures out on a table how much it's going to theoretically cost to settle your case. i find GEICO to be especially slimy in their dealings with injured persons imho AND they SPECIFY SECOND HAND PARTS OR NON-OEM PARTS TO SAVE MONEY and they WON'T change their estimates even if you demand OEM parts in what I've seen. You are FORCED to take what GEICO is willing to give. A wiser man than I am stated:"Insurance is the closest thing to oranized crime". In some instances it might be true. I KNOW claims adjusters who don't EVER go look at a car even if BY LAW they have to before they write up their offer.

NO FAULT insurance is a MUCH better way of handling things. It'll NEVER happen in CA because the trial lawyers assoc. is too strong. A LOT of States have versions of it and it WORKS.

RE: the original topic of this report......i BELIEVE the man when he says that's what happened. Only HE would know. And he has no ulterior motive to write his opinion here. He's obviously angry at his treatment. And so are others....and I find this imho TYPICAL of GEICO behaviour. And yes EVERY INS. COMPANY HAS THEIR OWN SCORING SYSTEM AND SHARES IT WITH OTHERS. You WILL get at least a note on your internal Ins. record even if you're NOT at fault in an accident. These are -1 according to a friend of mine who works as an adjuster in SF.

A LONG time ago I was prosecuting a small PI case and it took approx. 5-6 months to settle and I had to speak with 3 different claims people and finally a regional supervisor who had come down to take over the office because she stated "it was so messed up here". I had sent a demand letter 3 weeks before and they insisted on waiting the 30 days to hear from their insured.

They wound up paying over $1800 OVER what they would had paid if they had just settled.

i DON'T consider that smart business.

You keep teeing them up Brian and I'll keep knocking them out of the park. BTW The personal insults are childish and imho you do have a streak of racism in you. Given the info you've already shared I wonder if YOUR supervisor would appreciate your personal attacks and comments. As you're posting and representing yourself as an EMPLOYEE of the company, the company's liable for your actions even if you do it on your own time. However, live and let live. Not worth the $8.00 it would cost me or my firm to do a complete computer rundown.....internet's a SCARY place. If you p**s me off enough i WILL run you down thru the 'net. Done it before and I'll do it again. And no, you're not supposed to be scared. It's not a threat. Never a threat.

And you should be more concerned with FIXING these people's problems than insulting myself and my parents. They'd laugh at what you type. I gave up trying to surpass them a LONG time ago career wise and try and be happy within myself and my family.

BTW I'm a PARTNER :-) in this firm at least. I don't have to answer to anyone but myself. And I get to go up against GEICO in court again in about two weeks. Should be fun. I'll see if I can use your posts as proof of your company's attitude in court. LOL. I've already impeached two of their "expert" medical witnesses whom they pay $1500 an hour. That alone has already cost them over $10k in court costs and we're not even in front of the jury yet. GEICO has been trying to avoid this jury trial for over two years now. Time to pay the piper. Actually I bet the defendants will BK out of it, GEICO will pay the minimum, I'll wind up waiving my costs and the plaintiffs will get a crappy maximum award. FYI in CA it's almost IMPOSSIBLE to go after personal assets or the people will BK out. Last time I heard of someone paying up was in the 70's. At fault driver crippled a kid and after six months or so the family found a YOUNG lawyer who went after the guy. He was HONEST and MORAL enough to come up with 350k and mortgaged his house, much more than his 25k in ins. and paid off most of the kids medical bills. 70's were a different time tho ins. wise. Last time I checked CA's own Ins. commissioner was under a couple of criminal indictments himself for abuses regarding insurance companies and favoritism. Sigh. Time to move. Maybe to VA LOL.

So in a couple of weeks if I don't have time to play I hope you understand.

Ojai, CA? LOL You must be JOKING ME. Ojai is about as boondocks as you can get out here. And you KNOW CA? because of growing up Ojai. Right. Try living out here in the land of the fee and the most litigous State in the country.

Your remarks were made up basically of ALL personal insults. And since you want to make this into a pi**ing contest instead of an arguement about GEICO's "bait and switch" policy on policies :-)....

Uh, I stated "as a person of color". Last time I checked my skin wasn't white. And yes, lots of Asians consider themselves that. If you went to S. Africa while they had Apartheid and you were Asian you HAD to go to a colored hotel and were considered a person of color. You're STILL the one who used acronym "dwb" in regards to me assuming I was Black (not saying I'm not either), I just pointed out here that you're more likely to get pulled over if you're Latino or Asian. More likely Latino imho.

Uh, NO, I wasn't STUPID enough to enter the military out of HS or at any other time since there wasn't a war on and I didn't need the dough to get where I was going. Doesn't take a lot of BRAINS to get into the military or stay in. I turned down ROTC and guaranteed OTC (old name) and paid college and grad school from the military OR a spot in ANY Academy I wanted (close friend was a 10 term Congressman, each one is allowed to appoint one senior per year to an Academy, usually goes to kids who write in and WANT the spot.). And I went to two of the top ten PRIVATE prep schools in the country and earned both academic and athletic scholarships way back when and was appointed a Cong. Page before the scandals so watch your mouth. I'll match up my degrees and certifications and accomplishments against yours anyday.

And NO, I got OUT of law enforcement shortly after competing training and after graduating from undergrad. Wasn't worth 20 years of my life or what myself or my folks wanted. It was interesting tho. Out here you STILL only need 2 years of JC with or to graduate from an academy and be 21 or so to apply to become a policeman. It's an honest profession, pays pretty well, and like everything there are good cops and bad cops. IMHO it becomes to political after you make detective. Qui ipset Custodes? I've honestly met only two smart and honest policeman in my life. One in an adversarial situation. We're still friends. I find most of them too "gung h*o", like you. Although about 90% of my local lodge ARE LE types. Don't go there much anymore.

And yup I've worked security, held a guard card WHEN I WAS EIGHTEEN as I didn't want my folks to get me a cush Summer job after HS.

Since then I've received FBI clearance, am bonded (have to be in my field), and we do computer work and I specialize in computer networking and physical onsite security for everyone from your bank to small businesses to the gov. I've been a gov sysadmin, university sysadmin, etc. etc. and held more repsonsibility than you'll EVER hold.

It's funny how you think I would believe in Aliens or stuff would be trickling down my leg.
I wouldn't worry too much about that if I were you. Stating that you've been in the military, there are certain things you don't talk about even there, EVER. You should know that if you spent time in the military. I doubt the gov. tells us everything (think Groom lake) about everything although when they contract me out I'm happy to sign the non-disclosure and take their $$'s. :-D Beats the heck out of law.

FYI State Farm is MUCH more honest than your company. And they don't get sued by STATES for attempting to bypass both Fair Trade and State LICENSING requirements.

One of my family's businesses (I don't take part in it) is one of the largest metal refinerys in the USA. That company has been in business for over 50 years and has NEVER been sued by ANYONE and has been profitable and employs a large part of several States. Someone in our family has been at the head of that company since the day it was founded.

Too anyone reading this, and you WONDER why ins. premiums are so high with this type of mentality? Talk about B over A at the very least.

And nope, I don't hate cops. I hate any abuse of power, ESPECIALLY ins. companies and I've gone up against them in court and I win. Trying to get out of that area of my life. I don't hate ALL of them tho. Don't hate any of them. I DISLIKE GEICO's dishonest tactics both in negotiations and in the courtroom and the fact there ARE no controls that I can see in much of the ins. business, GEICO specifically as it's owned by a single person who's rich and powerful enough to do whatever he wants (Warren Buffet, 2nd richest man in the USA, reported by FORBES latest issue on that). I especially dislike the attorneys that GEICO uses.

It's an OLD ins. axiom that I find too true today. Pretty much ANY Ins. company will spend 10x what it would cost to settle your case in attorney fees to beat you in court. There's a mathematical FORMULA based on court time v. possibility of the plaintiff in a PI case taking a smaller sum. And EVERY ins. company I've ever come in contact with sends out the "investigation" letter before they do ANYTHING and it means NOTHING as they DON'T DO any investigation, except for the claims adjuster sits behind his desk and figures out on a table how much it's going to theoretically cost to settle your case. i find GEICO to be especially slimy in their dealings with injured persons imho AND they SPECIFY SECOND HAND PARTS OR NON-OEM PARTS TO SAVE MONEY and they WON'T change their estimates even if you demand OEM parts in what I've seen. You are FORCED to take what GEICO is willing to give. A wiser man than I am stated:"Insurance is the closest thing to oranized crime". In some instances it might be true. I KNOW claims adjusters who don't EVER go look at a car even if BY LAW they have to before they write up their offer.

NO FAULT insurance is a MUCH better way of handling things. It'll NEVER happen in CA because the trial lawyers assoc. is too strong. A LOT of States have versions of it and it WORKS.

RE: the original topic of this report......i BELIEVE the man when he says that's what happened. Only HE would know. And he has no ulterior motive to write his opinion here. He's obviously angry at his treatment. And so are others....and I find this imho TYPICAL of GEICO behaviour. And yes EVERY INS. COMPANY HAS THEIR OWN SCORING SYSTEM AND SHARES IT WITH OTHERS. You WILL get at least a note on your internal Ins. record even if you're NOT at fault in an accident. These are -1 according to a friend of mine who works as an adjuster in SF.

A LONG time ago I was prosecuting a small PI case and it took approx. 5-6 months to settle and I had to speak with 3 different claims people and finally a regional supervisor who had come down to take over the office because she stated "it was so messed up here". I had sent a demand letter 3 weeks before and they insisted on waiting the 30 days to hear from their insured.

They wound up paying over $1800 OVER what they would had paid if they had just settled.

i DON'T consider that smart business.

You keep teeing them up Brian and I'll keep knocking them out of the park. BTW The personal insults are childish and imho you do have a streak of racism in you. Given the info you've already shared I wonder if YOUR supervisor would appreciate your personal attacks and comments. As you're posting and representing yourself as an EMPLOYEE of the company, the company's liable for your actions even if you do it on your own time. However, live and let live. Not worth the $8.00 it would cost me or my firm to do a complete computer rundown.....internet's a SCARY place. If you p**s me off enough i WILL run you down thru the 'net. Done it before and I'll do it again. And no, you're not supposed to be scared. It's not a threat. Never a threat.

And you should be more concerned with FIXING these people's problems than insulting myself and my parents. They'd laugh at what you type. I gave up trying to surpass them a LONG time ago career wise and try and be happy within myself and my family.

BTW I'm a PARTNER :-) in this firm at least. I don't have to answer to anyone but myself. And I get to go up against GEICO in court again in about two weeks. Should be fun. I'll see if I can use your posts as proof of your company's attitude in court. LOL. I've already impeached two of their "expert" medical witnesses whom they pay $1500 an hour. That alone has already cost them over $10k in court costs and we're not even in front of the jury yet. GEICO has been trying to avoid this jury trial for over two years now. Time to pay the piper. Actually I bet the defendants will BK out of it, GEICO will pay the minimum, I'll wind up waiving my costs and the plaintiffs will get a crappy maximum award. FYI in CA it's almost IMPOSSIBLE to go after personal assets or the people will BK out. Last time I heard of someone paying up was in the 70's. At fault driver crippled a kid and after six months or so the family found a YOUNG lawyer who went after the guy. He was HONEST and MORAL enough to come up with 350k and mortgaged his house, much more than his 25k in ins. and paid off most of the kids medical bills. 70's were a different time tho ins. wise. Last time I checked CA's own Ins. commissioner was under a couple of criminal indictments himself for abuses regarding insurance companies and favoritism. Sigh. Time to move. Maybe to VA LOL.

So in a couple of weeks if I don't have time to play I hope you understand.

Ojai, CA? LOL You must be JOKING ME. Ojai is about as boondocks as you can get out here. And you KNOW CA? because of growing up Ojai. Right. Try living out here in the land of the fee and the most litigous State in the country.

Your remarks were made up basically of ALL personal insults. And since you want to make this into a pi**ing contest instead of an arguement about GEICO's "bait and switch" policy on policies :-)....

Uh, I stated "as a person of color". Last time I checked my skin wasn't white. And yes, lots of Asians consider themselves that. If you went to S. Africa while they had Apartheid and you were Asian you HAD to go to a colored hotel and were considered a person of color. You're STILL the one who used acronym "dwb" in regards to me assuming I was Black (not saying I'm not either), I just pointed out here that you're more likely to get pulled over if you're Latino or Asian. More likely Latino imho.

Uh, NO, I wasn't STUPID enough to enter the military out of HS or at any other time since there wasn't a war on and I didn't need the dough to get where I was going. Doesn't take a lot of BRAINS to get into the military or stay in. I turned down ROTC and guaranteed OTC (old name) and paid college and grad school from the military OR a spot in ANY Academy I wanted (close friend was a 10 term Congressman, each one is allowed to appoint one senior per year to an Academy, usually goes to kids who write in and WANT the spot.). And I went to two of the top ten PRIVATE prep schools in the country and earned both academic and athletic scholarships way back when and was appointed a Cong. Page before the scandals so watch your mouth. I'll match up my degrees and certifications and accomplishments against yours anyday.

And NO, I got OUT of law enforcement shortly after competing training and after graduating from undergrad. Wasn't worth 20 years of my life or what myself or my folks wanted. It was interesting tho. Out here you STILL only need 2 years of JC with or to graduate from an academy and be 21 or so to apply to become a policeman. It's an honest profession, pays pretty well, and like everything there are good cops and bad cops. IMHO it becomes to political after you make detective. Qui ipset Custodes? I've honestly met only two smart and honest policeman in my life. One in an adversarial situation. We're still friends. I find most of them too "gung h*o", like you. Although about 90% of my local lodge ARE LE types. Don't go there much anymore.

And yup I've worked security, held a guard card WHEN I WAS EIGHTEEN as I didn't want my folks to get me a cush Summer job after HS.

Since then I've received FBI clearance, am bonded (have to be in my field), and we do computer work and I specialize in computer networking and physical onsite security for everyone from your bank to small businesses to the gov. I've been a gov sysadmin, university sysadmin, etc. etc. and held more repsonsibility than you'll EVER hold.

It's funny how you think I would believe in Aliens or stuff would be trickling down my leg.
I wouldn't worry too much about that if I were you. Stating that you've been in the military, there are certain things you don't talk about even there, EVER. You should know that if you spent time in the military. I doubt the gov. tells us everything (think Groom lake) about everything although when they contract me out I'm happy to sign the non-disclosure and take their $$'s. :-D Beats the heck out of law.

FYI State Farm is MUCH more honest than your company. And they don't get sued by STATES for attempting to bypass both Fair Trade and State LICENSING requirements.

One of my family's businesses (I don't take part in it) is one of the largest metal refinerys in the USA. That company has been in business for over 50 years and has NEVER been sued by ANYONE and has been profitable and employs a large part of several States. Someone in our family has been at the head of that company since the day it was founded.

Too anyone reading this, and you WONDER why ins. premiums are so high with this type of mentality? Talk about B over A at the very least.

And nope, I don't hate cops. I hate any abuse of power, ESPECIALLY ins. companies and I've gone up against them in court and I win. Trying to get out of that area of my life. I don't hate ALL of them tho. Don't hate any of them. I DISLIKE GEICO's dishonest tactics both in negotiations and in the courtroom and the fact there ARE no controls that I can see in much of the ins. business, GEICO specifically as it's owned by a single person who's rich and powerful enough to do whatever he wants (Warren Buffet, 2nd richest man in the USA, reported by FORBES latest issue on that). I especially dislike the attorneys that GEICO uses.

It's an OLD ins. axiom that I find too true today. Pretty much ANY Ins. company will spend 10x what it would cost to settle your case in attorney fees to beat you in court. There's a mathematical FORMULA based on court time v. possibility of the plaintiff in a PI case taking a smaller sum. And EVERY ins. company I've ever come in contact with sends out the "investigation" letter before they do ANYTHING and it means NOTHING as they DON'T DO any investigation, except for the claims adjuster sits behind his desk and figures out on a table how much it's going to theoretically cost to settle your case. i find GEICO to be especially slimy in their dealings with injured persons imho AND they SPECIFY SECOND HAND PARTS OR NON-OEM PARTS TO SAVE MONEY and they WON'T change their estimates even if you demand OEM parts in what I've seen. You are FORCED to take what GEICO is willing to give. A wiser man than I am stated:"Insurance is the closest thing to oranized crime". In some instances it might be true. I KNOW claims adjusters who don't EVER go look at a car even if BY LAW they have to before they write up their offer.

NO FAULT insurance is a MUCH better way of handling things. It'll NEVER happen in CA because the trial lawyers assoc. is too strong. A LOT of States have versions of it and it WORKS.

RE: the original topic of this report......i BELIEVE the man when he says that's what happened. Only HE would know. And he has no ulterior motive to write his opinion here. He's obviously angry at his treatment. And so are others....and I find this imho TYPICAL of GEICO behaviour. And yes EVERY INS. COMPANY HAS THEIR OWN SCORING SYSTEM AND SHARES IT WITH OTHERS. You WILL get at least a note on your internal Ins. record even if you're NOT at fault in an accident. These are -1 according to a friend of mine who works as an adjuster in SF.

A LONG time ago I was prosecuting a small PI case and it took approx. 5-6 months to settle and I had to speak with 3 different claims people and finally a regional supervisor who had come down to take over the office because she stated "it was so messed up here". I had sent a demand letter 3 weeks before and they insisted on waiting the 30 days to hear from their insured.

They wound up paying over $1800 OVER what they would had paid if they had just settled.

i DON'T consider that smart business.

You keep teeing them up Brian and I'll keep knocking them out of the park. BTW The personal insults are childish and imho you do have a streak of racism in you. Given the info you've already shared I wonder if YOUR supervisor would appreciate your personal attacks and comments. As you're posting and representing yourself as an EMPLOYEE of the company, the company's liable for your actions even if you do it on your own time. However, live and let live. Not worth the $8.00 it would cost me or my firm to do a complete computer rundown.....internet's a SCARY place. If you p**s me off enough i WILL run you down thru the 'net. Done it before and I'll do it again. And no, you're not supposed to be scared. It's not a threat. Never a threat.

And you should be more concerned with FIXING these people's problems than insulting myself and my parents. They'd laugh at what you type. I gave up trying to surpass them a LONG time ago career wise and try and be happy within myself and my family.

BTW I'm a PARTNER :-) in this firm at least. I don't have to answer to anyone but myself. And I get to go up against GEICO in court again in about two weeks. Should be fun. I'll see if I can use your posts as proof of your company's attitude in court. LOL. I've already impeached two of their "expert" medical witnesses whom they pay $1500 an hour. That alone has already cost them over $10k in court costs and we're not even in front of the jury yet. GEICO has been trying to avoid this jury trial for over two years now. Time to pay the piper. Actually I bet the defendants will BK out of it, GEICO will pay the minimum, I'll wind up waiving my costs and the plaintiffs will get a crappy maximum award. FYI in CA it's almost IMPOSSIBLE to go after personal assets or the people will BK out. Last time I heard of someone paying up was in the 70's. At fault driver crippled a kid and after six months or so the family found a YOUNG lawyer who went after the guy. He was HONEST and MORAL enough to come up with 350k and mortgaged his house, much more than his 25k in ins. and paid off most of the kids medical bills. 70's were a different time tho ins. wise. Last time I checked CA's own Ins. commissioner was under a couple of criminal indictments himself for abuses regarding insurance companies and favoritism. Sigh. Time to move. Maybe to VA LOL.

So in a couple of weeks if I don't have time to play I hope you understand.

First lets clear the air here with a few facts.
1) I am from Ojai Ca so I do know the state very well.
2) I was in the military for 10 years so I have happened to have worked in the security field for a few years and we carried real guns and work real uniforms, I am very sorry you were only able to work as pseudo security for Wal Mart or 7-eleven or whatever company you will try to claim.
3) you were the one that described yourself getting pulled over for "driving while colored" all of the asians I know, including my mother do not describe themselves as colored, in fact there is only one race I am familiar with that does.
4) In my job I speak to the insurance commisioners of the many different states on occasion, the only trickle down theory that seems to be out there is still trickling down your leg
5) I am sure there are tons of Asians in Ca I personally have not weighed them.
6)I have spoken to numerous law enforcement agencies in Ca and in many other states, they have mentioned your trickle down theory, also your alien abduction theory and how Elvis impregnated you.
7) The only racist comments have come from you and that amazing chip on your shoulder.
8) You state I know nothing about how insurance works and yet I am the one that passed the licensing test, you spout alot of paranoid nonsense and yet you only give the obligatory (I heard from someone or I read once)
9) I am sorry you have such a pathetic life maybe you should place a little blame on your parents, maybe since the world is so imperfect you should find a way off perhaps, obviously you are so unhappy here you created your own little delusion
10) All your lifes woes are the fault of everyone else, you obviously are not at fault for anything. "The Man" is out to get you.
11) before you respond, try calling your state Ins. commisioner ask him about the Crap you have been spewing on here, then before the men with the nice jackets and van pull up here to get you, respond back with his name, I will call him on tues when I get back to work to confirm you have called. Anyone else reading this I would implore you to call also, you may believe what you may about the ins. companys but at least get you facts straight.
12) p.s. I never said that GEICO hasn't been sued by diff. states, every ins. company has, show me any large business out there that hasn't usually it's due to oversights or just plain ignorance such as has been seen in the previous response.
13) I am also starting to see a trend in your responses against police officers, I would never say they are all perfect, but you seem to especially have a grudge against them, perhaps they wouldn't let you join the club?

Uh Brian,

Exactly HOW MANY CHP OFFICERS do you actually know????

Like I said in my post the State gov. gave the CHP MORE MONEY for radar/Lidar guns etc. several years ago through gov. channels.

Guess where a large part of those $$'s comes from.....Insurance lobby is still one of the largest contributors to the "munificent" and "beneficient" societies for law enforcement.

And you actually think that a low level functionary that you talk on the phone is going to tell you anything? I HIGHLY doubt you statement. ANY CHP rep or employee is NOT ALLOWED to give out that sort of info. PERIOD. And it doesn't matter how the $$'s filter from the Insurance companies to the police, it happens. Trickle down works. Or did you just think your employers were giving out millions of $$'s just to be nice. That's like saying towtruck driver's don't give kickbacks to local appointees to get local gov. contracts. Puhleeze. Are you really that ignorant on how this works?

I recently had the good fortune to deal with a REALISTIC claims advisor due to a minor accident. He's also ex-law enforcement from AZ. He got a LOT farther than I did but then again he's also been through THREE marriages and has been floating through working for insurance companies for the last 10 years. Once we were on the same page, he gave us a decent settlement. Thankfully no PI was involved.

I also stated very clearly that LOCAL PD's DO get $$ and radar guns. That I know from firsthand knowledge from at least two local PD's. And do your research. Out here certain communities have been experimenting for years with photo radar, paid for in part by grants from the ins. companies.

And you're going to tell me that GEICO HASN'T had to settle with several State's for unfair business practices violations or for allegedly practicing without a license?? Or that the whole concept is to cut out the middleman? It's on the internet. ANYONE can find that kind of stuff out.

GEICO is one of the few large companies that still insists on using USED or RECONDITIONED parts on their adjustment forms....only one reason for that, to save $$. Many parts have already been proven to be of inferior quality as I stated.

If you're NOT a minority than DON'T EVER ACT LIKE YOU KNOW WHAT IT'S LIKE. Your obvious racism comes out when you automatically assume that I'm Black. Out here you're more likely to get stopped if you're Asian as there are TONS of Asians and a lot of them are into the local car culture. Must be nice to be an AWM. You have NO FREAKING IDEA of the difference if you're not a person of color or have ever been treated differently just because of the color of your skin. Most recent case I can think of was the Georgia police or HP being sued successfully for racially profiling people and stopping them for as you put it "DWB" which is an insult in itself.

I've worked law and physical security, have you? In both cases there are specific stereotypes the trainers tell you to look for or "tell-tales". The "perp stare" is one of my favorites. They actually teach it to you at the academy. IMHO they also promote an "us v. them" approach and I've heard trainers actually state that you should believe that "everbody is lying to you" in class. NOT the way I wanted to go through life.

Good example of cop mentality out here. I used to know a cop from a different PD. He beat the CRAP out of his wife at least 3x where his own PD had to be called and she was hospitalized. After the third time they suspended him and eventually removed him from the force. I OFTEN heard talk about this guy and about how beating his wife "didn't make him a bad guy".

So I'm supposed to believe you called the CA State Police HQ in Sacramento (don't think it's called that btw) and State Police are a WHOLE different LE division FYI) and they told you this.

Well, let's see. State Police are exactly that. State Police. NOT local PD's, NOT CHP, they're STATE POLICE, if that's who you called.

And I'm also sure that whomever you spoke with knows EXACTLY where the $$'s come from and where they go in EVERY CA State or Local LE division. Yup, that must be right, in your world.

Reminds me of the Sheriff in Miami who went a little nuts awhile back in the 80's and 90's and was seizing EVERYTHING he could under the Rico act. Why? Because his dept. was FUNDED by the sale of these items. Eventually he got his hands slapped. He used to advertise everything from 100k+ speedboats to Lear Jets and Ferrari's in the ROBB REPORT magazine for auction.

There was also an article recently in C/D I believe where a local PD caught a known drug dealer driving a new Corvette that had over 2 kilos of Cocaine in the car and over $100k in cash or so. Guy was jailed was about a night and the POLICE offered him several deals. First of which was, they got to keep the coke, most of the $$ and the Vette and he'd walk and they'd drop the charges. Then they started asking for more and more.

Yup, the system works all right all the time.

How does all this rambling tie into your statements someone might ask, even though the examples are hard facts even if I'm a bit off on the amounts.

It shows that a. you know NADA about being a person of color and are a racist. And that we live in an inperfect world where the police DO sometimes make mistakes and they actually MIGHT have a reason for ticketing as much as they do or profiling certain people.

And re: your arguement about credit. That's garbage. I already disproved it by showing accurate figures in two separate areas, very wealthy areas where people who own houses DON'T bother to get ins. coverage or carry the minimum. CA has a HUGE problem of people getting ins. for 1 month and then never paying again after they get the official ins. card.

According to the law EVERY Ins. Company is supposed to report this to the DMV. I'm SURE GEICO does this with 100% accuracy and the DMV acts 100% efficiently to remove these people's right to drive. Yup, that's right. Must be in YOUR world.

We own two separate properties in CA and in the Midwest. Again, if I go past 5 miles in our veddy expensive area of SoCal, less than 48% of the people have auto insurance according to the last survey. If I go to a bad part of town that's less than 15 miles away, that # goes down BELOW 10%. I HAVE multpie ins. and part of the famly has been in the biz for over 50 years and actually OWNED a small ins. company back East. That doesn't mean that I'm not scre**ed if I get in an accident and MY ins. goes up. Why do you think the PI attorneys lobby is so strong out here? And ins. companies ALL still keep their own scores, much like CC companies.

And you're still a self-stated employee in the ins. industry. If that's one industry that doesn't make you jaundiced almost as fast as LE, I can't think of one offhand. You also DON'T live out here in the MOST LITIGIOUS STATE IN THE COUNTRY. Be happy that you don't, but DON'T pretend you know how my local gov. or PD's or CHP works.

Get a grip and a clue.

Just my .02 plus inflation.

Wow, I am absolutly amazed at the ignorance and borderline racism I see here!!

1) I called the Ca State police headquaeters in Sacramento and was advised that the state does not accept money for radar guns of any sort from the insurance companies, of course you will believe what you will because Scully and Moulder told you it was so.

I find it odd that you were pulled over for dwb, I have been pulled over a few times myself and I am not black, must be nice to have a crutch.

As for the credit reports, they are used as studies have been done that show direct correlations between people with bad credit and people who pay their bills on time, it shows a sense of maturity and responsibility, if you are not responsible enough to pay your insurance on time, perhaps you are not worth the insurance companies trust! but with all the complaining save for that last string (which seemed to be just so much paranoid ranting and drooling)

I assume there will be many more wonderful ins. companys in the near future as you can do it much better.

Thought I would just put a capper on this thread.....

First of all "Preston" is ABSOLUTELY RIGHT re: Ins. Companies offering $$ for radar guns to law enforcement. At least out here in CA that's ABSOLUTELY TRUE!!!!

The CHP didn't have any large amount of radar guns until about 3 years ago I'd say, depending on where you live....Besides the State legislature FUNDING both speed traps as well as photo-radar trailers which are LEASED to the cities at an exorbitant rate (think mid-high five figures per MONTH PLUS the cost of collating, developing etc. the film), Insurance companies have been giving the CHP on a large scale the NEW radar/Lidar guns. This is in addition to the new Lidar guns they give to the local LE agencies.

2nd of all. Your credit report has something if not a lot of determination on your insurance.

Example, we have a multi-car policy under a National carrier and have a GREAT ins. guy for our auto ins. (we keep that and house separately). We have NEVER filed a report or been in an at fault accident and had this coverage for four years. We were with our last ins. company for five years before our ins. agent retired. Our rates keep going UP. About $100 per year. LOVE our new gov. Ahnold keeping his promises out here LOL.

Somebody else posted this on this site and it's absolutely true. Even if you just INQUIRE or COMPLAIN in writing to Visa or MC, ALL CC companies keep INTERNAL credit scores besides the one's you can buy. IF YOU JUST INQUIRE ABOUT YOUR CARD IN WRITING OR COMPLAIN OR GET TURNED DOWN FOR CREDIT YOU WILL USUALLY GET A NEGATIVE ONE POINT ON EITHER/BOTH YOUR PUBLIC CR AS WELL AS THE INTERNAL SCORES ALL CC COMPANIES SHARE. FYI You could go from a PERFECT score and a FICA score of over 700 just by sending in 3 letters of complaint. IF you have your wallet STOLEN, this will be considered SUSPICIOUS ACTIVITY and a notation will be made on your internal CR.

I recently had this happen to me. I had a CC company tell ME about a supposed TELEPHONE conversation I made OVER 5 YEARS AGO TO ANOTHER VERY TINY CC COMPANY with which I had a personal CC VISA!!!

EXPERIAN especially is NOT YOUR FRIEND. They exist solely to supply this information and are the largest and MOST expensive of the 3 large credit reporting agencies. They WILL screw you as they feel like it, just as any CC company can.....There is almost NO gov. oversite of the CC industry or the CReporting industry at ALL. EXPERIAN especially is SO full of holes and is SO easily accessible that it's literally like a colander!!! Anyone who knows what they're doing with a computer, access to a merchant account and some time can DESTROY your credit rating and find out EVERYTHING about you.

re: Credit as a way of calculating actual ins. risk is RIDICULOUS. I've lived in two of the highest listed Top 10 RICHEST areas in CA most of my life. WAY back in the 80's there was a published LA Times report where they showed that once you got 5 miles OUT from my area, the level of auto ins. went down from 84% to less than 46%. This was before you had to show a LE officer your ins. ID if they asked. I ALWAYS had insurance. I currently live in what is considered to be the richest county per capita in CA (Last time I checked), and among the TOP 3. LESS THAN FIFTY PERCENT OF THE DRIVER'S HAVE INSURANCE OF ANY TYPE!!! Of those 50% OVER 20% carry the legal MINIMUM so if you get injured badly (like I have), you're screwed, totally, completely, and forget about any help from your local lawmakers.

We also have a large illegal alien problem all over the WC basically. There's an OLD trick that many illegals (not pointing a figure at any particular group) use. 1. BUY a car with the LONGEST good registration you can. 2. DON'T register it in your name. That clears you basically for a month even if a cop runs your plate as they'll figure it's in the works. OR you can always submit incomplete paperwork. That'll delay it out about 3 months. In CA at least the DMV could CARE LESS as long as you pay the reg. fees on time. You can even get a MOVING PERMIT good for at least a month still WITHOUT showing any ins. papers. 4. IF you get stopped you can always show bogus ins. papers. Anybody with access to a computer/printer can make up bogus ID and ins. documents. 5. A LOT of illegal drivers of all races simply buy an OUT OF STATE car down here, usually from OR or Washington State. I've known college kids who've had their OR reg'd cars down here for FIVE YEARS and have NEVER been stopped.

LOL I got stopped about 2 weeks ago at night for "driving while colored" in a good looking car. Policeman had followed me out of a gas station and stopped me about 5 blocks away even though he admittedly RAN MY PLATES AND THEY CAME BACK CLEAN. He gave me the usual palaver until I pointed out I had STREP. You've NEVER seen a policeman run the other way so fast. ROFLMAO. If you EVER want to get out of a ticket, tell the policeman you've got something VERY airborne and contagious.

On our policy because ONE driver is unmarried and over 40 and has a negative mark on her CR due to some identity theft, we DON'T get the good credit discount for her. We get EVERY other possible discount tho.

I honestly think that having kids is a better gauge for how someone drives and whether or not they are married. I know it's still prejudicial and not everyone drives slow because they have kids. Me and my kids almost got taken out in a CROSSWALK because a female VOLVO driver was talking on her phone and decided to whip the corner on a RED LIGHT while we CROSSING. She had an infant in the back seat.

And you know her story would have been we were crossing on a red if she had hit any of us. LOL. Personal responsibility left CA and EVERYONE lies in an auto accident these days it seems. Especially after they've had some time to think about it, if there are no witnesses, and if they talk to their spouse, attorney etc. and figure out what it's going to do to their ins. rates.

I think another problem is a LOT of people have their auto insurance tied into their homeowner's insurance and literally have NO IDEA how much they're paying per year for car insurance. If they actually knew, maybe they'd drive safer. One of my good friends owns a 650k home in LA and his wife has had 3 tickets and 2 at fault accidents within the past 5 years. He's had 2 tickets and 1 at fault accident. Yet they DON'T have any idea how much they pay for car ins. as it's built in. I think owning a home which the ins. companies use as a factor also has NOTHING to do with your rates. It's almost impossible to sue someone or go after real property in court or over policy limits so how does that factor in?

With the current home market and the incredible amount of lending instituitions almost ANYBODY can buy a home IF you're willing to pay the rapacious interest rates on a quick-close loan.

However, I know I drive a LOT slower than when I was young and didn't have kids. I won't even CHANCE a yellow light due to all the "red light runners" out here. I've seen literally THREE cars get speared by them just in the last MONTH.

As I posted on another thread. GEICO is WHOLLY OWNED BY WARREN BUFFET, the SECOND RICHEST MAN IN AMERICA.. You think he actually cares about customer service? GEICO has been successfully been sued by several States for selling ins. WITHOUT A LICENSE. GEICO MAKES ITS' $$ BY CUTTING OUT THE MIDDLEMAN (INS. AGENT) AND BY SELLING DIRECTLY TO YOU.

OF COURSE THEY"RE GOING TO GIVE YOU A LOW INITIAL OFFER AND THEN WHACK YOU WITH A RIDICULOUS ACTUAL AMOUNT LATER. IT'S CALLED BAIT AND SWITCH. GEICO is also one of the WORST organized ins. companies around due to their direct selling techniques.

In closing, would YOU trust someone who knocked on your door that you didn't know, or even if you did, and they wanted to sell you insurance????? I wouldn't!! That's what GEICO is doing. That CGI advertising Gecko they use is anamorphising (is that a word) or humanizing their company and making them look like a cute little company. They're NOT. They're an insurance company and like any insurance company they're NOT in the business of handing out $$. Look them up on the internet. They will fight the most RIDICULOUS case where they're insured is obviously at fault for YEARS AND YEARS and spend MILLIONS on the defense just to play the float and put off paying you. There's an ins. algorithm regarding how long you put off a settlement v. how much more likely the person will be to settle. It's a proven fact that the longer they take, the more likely you are to settle as medical bills mount, you get fed up with your lawyer who can't do anything against them etc. etc. It sucks and there's NOTHING you can do about it except FIGHT case by case. IMHO, I would NEVER recommend GEICO to ANYBODY. There are several mildly honest companies that close claims fast and don't try and screw you. Again, just my opinion.

Red light accidents ain't pretty. All 3 were ambulanced off and the cars were totalled. I'm sure they all had insurance LOL. Each driver that got hit is looking at losing at least a year of their lives to that injury at the least I would guesstimate.

And yup, GEICO actually states in their written estimates out here that they're spec'ing USED or aftermarket parts to fix your car. Of course they don't point out to you that it's your RIGHT to have OEM parts!!! Anyone ever seen a third party front fender? I bet I could put a palm print in one for a Honda just by pressing on it. They use MUCH thinner and poorer grade metal. THAT's how they make their $$. Sad isn't it. $$ over human safety.

Just my .02

I will keep this short and sweet. Well, maybe not so sweet. The last time I checked speeding was speeding regardless of how the police officer clocked you. If you weren't speeding the officer would not have clocked you going over and therefore you would not have received a ticket. And secondly, credit is not just looked at to determine whether or not you are a good or bad driver.

It can also determine your likelihood to turn in claims for repairs you never plan to fix. I.E. turning in hail claim after hail claim and just pocketing the money. That cost the insurance companies money. And if you check around, you will find that most insurance companies are using credit as part of the rating process. Actuarial scientists have done studies on the correlation between driving records, chances of being in accidents or receiving tickets, and also the amount of claims turned in based on credit score.

Well, this wasn't as short as I had planned. We all get upset with things that happen to us, but my parents always taught me to not sweat the small stuff. I read complaints from people in here that are over $100. If the difference between your deductible and the claim is $100, why even turn it in. I am sure if you look around you can find someone to fix whatever is wrong properly for your deductible.

Many respectible repair shops are known to do that for you. Someone had mentioned on this website somewhere that they hoped some insurance jobs would be outsourced to India. And they think it bad now?! You know the great thing about America as compared to India? We have the freedom to voice our opinions and it doesn't make anyone right or wrong. We all have our point of view.

Using credit to underwrite an insurance policy has to do with an overall assesment of risk. People with worse credit scores are bigger risk takers than those with good credit scores. Statistical data confirms that.

Another reason to use credit is that it helps people get a better rate. If you live in a high risk area, naturally your premium will be higher. That can be offset some by having a favorable underwriting factor like a good credit score.

You have to keep in mind though that credit is just one of thousands of rating factors that go into determining the premium. It is not the biggest or most influental of all.

And for the comment that if you dont pay you premium the policy cancels and that is that. Insurance companies do not like to have policies cancel. It costs a lot of money to cancel a policy when you figure in all the state mandated notices that must be sent out. It also costs a lot of money to reissue that policy once it cancels.

The higher premiums for worse credit does not apply to me. I have a credit rating of over 700, have never been late on a bill, have one speeding ticket from years ago which will soon be gone, and have never filed a claim. And the speeding ticket was from a speed trap.

I do not insure myself with GEICO, nor would I ever. Not based upon their reputation. According to "badfaithinsurance.com" GEICO is rated 9th worst.

Society can live without insurance. We did it before and I'm sure if we had to we could again. However, the concept of insurance is a good thing, being that you can be protected from a financial hardship or from certain events. However, a lot of insurance companies abuse the position they are in and take advantage of claimants and policy holders.

I do not see how having bad credit will affect your driving habits. And if you are late paying the bill the policy is cancelled. So why would the insurance company be concerned about credit? If a person pays their bills regularly, yes, they will probably pay their premium. However, if the person doesn't pay their bills regularly, they probably will ignore the insurance bill and have the policy cancelled. How does bad credit affect your driving habits?

If someone has a bad driving record, then yes, the premium should be higher and they are a higher risk. And if someone lies to the insurance company about their use of vehicle the claim will be denied. And the lapse in coverage will mean a higher premium if they are able to get insurance again. None of these factors technically involve credit.

I have my vehicle insured for business use because that is what I use it for. Don't accuse me of ripping of any insurance company. And I know my policy. I know that one of the exclusions actually reads "Any damage to your vehicle resulting from the discharge of a nuclear weapon (even if accidental)."

I am considering contacting the insurance commissioner. However, I am open minded if you can legitimately explain to me how a credit rating tells how good a driver is then maybe I will finally be able to understand.

However, I prefer to get my insurance from a reputable insurer where credit is not a factor, or if it is, a minor one.

Here are some links worth looking into:

http://www.ripoffreport.com/view.asp?id=41490

http://www.badfaithinsurance.com/

http://www.screwedbyinsurance.com/auto.shtml

http://www.motorists.org/issues/tickets/free_lasers.html

My Goodness Preston!! for starters insurance companys do not give police radar detectors, if you choose to believe this, then you have choosen to keep your head in a hole. Everything I stated previously is the truth, if you do not like your rates you are free to go elsewhere for insurance. most insurance companys try to keep their policy holders insured at least a month in advance so if their payment is late, the company can send out a cancelation notice and the policy holder has about three weeks to still get payment in before the policy would actually cancel. You give the impression that you continually pay in arrears and therefore do not have the cushion of a month, try keeping up to date on your bills. As for you probably paying to much, your rates are based on many things, the area you live, your age, your veh. itself, your driving record etc. if you do not wish to pay your bills, just cancel your policy, it is not mandatory to have insurance as long as you do not drive, you don't like the rules that are set forth, talk to your insurance comissioner, he is the one that makes the rules, I am sure that with your vast intellect he will be more than happy to change them with your say so. and in conclusion, if you really don't like your rates, try talking to everyone in your state that has a bad driving record, the ones who have accidents repeatedly, the ones who fraud the insurance companys and lie to the insurance companys and start with the man in the mirror.

To the person who posted the original complaint I am sorry that you did not get what you thought you deserved but I can assure you got everything that you where legally entitled to. Geico did not break the law or do anything illegal. It is not in our best intrest to do that.

To the other replys to the orginal complaint all I can say is try to live without insurance. We could not. Insurance companies are not out to screw anyone. We would like to help you. That is only possible if you let us. Sure the things that insurance companies do seem strange and intrusive to someone who does not work in the industry. If you have question ask. Dont yell or become combative that only set up a fight and that serves no ones purposes.

To the person who put in the comment that using credit was discriminatory; talk to your state about that. We think that it is a valid underwriting factor. When we decided to use it we had to get permission from your state's lawmakers. Lobby them to get it changed. Write letters with your reasons why it is wrong. I will the you this though; bad credit does correlate to a higher level of risk. There is nothing that can dispute that.

Brian your comments only bring my hatred of insurance companies deeper. You blame the victim. The victim is EVERYBODY WHO CARRIES INSURANCE.

I have read my policy several times over and know it inside and out. To begin with it is already in the favor of the insurance company.

The original complaint has nothing to do with premium. Nothing to do with the amount of coverage. Just about how GEICO has low-balled the claim and tried to get out of damage that needs to be replaced.
Typical. It's okay for them to be slow paying a claim, but if the customer is a minute late paying the premium the policy is gone.

I'll even bet they're trying to use aftermarket parts. Aftermarket parts are not as good, not as safe. I've seen a front bumper that was practially made out of styrofoam.

Brian your ignorance in your rebuttal is amazing. You mentioned everything but the fact that GEICO is trying to screw this customer big time. Deductible or not, the car should be fixed right and the damage amount is the same regardless of deductible.

I am going to analyze and QUOTE your rebuttal and try to help you realize you work for insurance therefore YOU WORK FOR ORGANIZED CRIME!

"Us insurance agents have to obey laws, laws that your states set forth! your late paperwork? ask your postoffice where it's at!"

Insurance companies have to obey laws too. Why is it okay for a claim to be dragged out but a policy is cancelled if the premium is a minute late?

The original complaint did not mention late paperwork. If the paperwork had been late there wouldn't have been a claim. The policy would have been cancelled.

"you don't have enough coverage and are now being sued? ask yourself why you were too cheap to pay for higher coverage"

or maybe someone's getting sued because the insurance company tries to deny or low-ball the claim and lawsuit is the only option.

"your insurance is to high? well, I am soooooo sorry, maybe you shouldn't have gotten so many tickets!"

Actually tickets don't necessarily mean a driver is dangerous. There are things called speed traps. Also, some insurance companies give out free radars to police departments, especially those with speed traps, so the police department issues a ticket to a driver and the insurance company has an excuse to raise premium. THINK OF HOW MUCH AN INSURANCE COMPANY WILL PROFIT FROM THIS PRACTICE!!!

"maybe you should pay your bills on time or not incur them in the first place!"

I think insurance companies should be sued for having higher rates for people with poor credit. They claim that poorer credit means higher amount of claims. MAYBE BECAUSE PEOPLE WITH BAD CREDIT TEND TO BE POOR AS RESULT OF BEING RIPPED OFF!!! Someone with good credit has the money to pay for repairs out of pocket if the damage is low enough. Maybe if the premiums weren't so high the claims would go down.

"if you think you have it sooooo bad you poor misunderstood little everyones picking on me and me only whiner, than just don't carry the insurance, have an accident and then complain to whom???"

I hope that if you are in a wreck the insurance company tries to deny your claim so you get to experience the product you're selling as a consumer does.

Who will you complain to??

Oh the poor ripped off Americans, try reading your paperwork for once, try calling and asking questions on your policy, try calling and speaking like a humanbeing and not yelling because your not getting your way! Us insurance agents have to obey laws, laws that your states set forth! your late paperwork? ask your postoffice where it's at! you don't have enough coverage and are now being sued? ask yourself why you were too cheap to pay for higher coverages! your insurance is to high? well, I am soooooo sorry, maybe you shouldn't have gotten so many tickets! maybe you shouldn't have bought that corvette! maybe you should pay your bills on time or not incur them in the first place! if you think you have it sooooo bad you poor misunderstood little everyones picking on me and me only whiner, than just don't carry the insurance, have an accident and then complain to whom???

Actually your insurance agent friend was only partially correct. GEICO stands for Government Employees Insurance COmpany which is now and has always been it's name, it was not formed out of any other company. For the first 70 years or so GEICO would only insure government employees, as statistically government employees have a fewer # of accidents and therefore the cost of business was cheaper and rates could be lower. Several years ago, GEICO expanded to also insure the "civilian" population, but a large part of their customer base is still government employees. The last #'s I saw show they insure about 40% of the military-- hence the customer service reps specifically for handling military issues such as deployment overseas, moving from state to state etc.

You did not mention a deductible in your complaint. Is it possible that part of the out of pocket expenses you mention are your deductible? This would apply regardless of which insurance company your are with.

As to the rental vehicle, each state sets the limit to be paid for rental. Your insurance company pays what your state law says is to be paid. In most states that is about $20/day. Your insurance policy will have the exact figure in writing so that there should be no question as to the amount allowed.

In a conversation with my insurance agent, who is also a very good friend, I mentioned the heavy advertising program that GEICO has on television. It seemed to me that GEICO spends an inordinate amount of money on advertising. He stated that GEICO was formed out of the old GI insurance program and thus the name, GEICO (GICO, or G.I. Company) -- cute.

This makes perfect sense when I read the very long report from the fellow in Arizona and the problems he and his wife were having with CEICO. In that report, he stated that CEICO has a "SEAL" team to assist military and ex-military personnel with insurance problems. I guess that the tie with the old GI insurance and today's military is still very strong. It also gives GEICO a leg up in contacting prospective customers.

With this financial foundation, CEICO can afford to advertise the snot out of its programs. I have always been very leery of companies that spend so much of their operating budget on advertising; it's almost like they are trying to cover something up and bury it under propaganda b.s.

I would never do business with GEICO.