GEICO Insurance Dishonest, Ripoff, Never Covered Properly Washington District of Columbia
On Sept 9th 2005 I bought Auto Insurance through GEICO on the Internet. I also spoke with a salesperson on the phone to make sure I was properly covered.
A month later Oct 10th I recieved a email stating my insurance was to be cancelled due to not having my vehicle inspected at a specialized GEICO center. I was never told that I had to complete this. I immediatly called GEICO and found the closest center to have it completed.
At the specialized center they inspected both my cars and filled out their paperwork and gave me a copy (thankfully). They assured me that they would have it faxed in. I then called the representative and told him the inspection was complete on both vehicles.
Three months later i recieved a notice from my lien holder(GMAC) that I was not properly covered. I again called GEICO to inquire why I was not covered properly. They stated I never completed a Vehicle Inspection at a specialized GEICO center. I assured them that I had completed the necessary paperwork and had proof. I then faxed the two vehicle inspection sheets to the specified GEICO office.
Again they apologized for the inconvience and thanked me for insuring with GEICO. Jan 24th I recieved another letter from my lein holder(GMAC) stating why I have not had proper insurance coverage on my vehicle.
I immediatly went online to check my policy coverage on the GEICO site. Everything was displayed correctly except the account balance. I now owed $852 and change. This could not be correct due to the fact I already placed a 25% down payment to bind the insurance and was placed on their payment plan.
Again another call to a GEICO customer service agent to figure out why I was being charged for the amount of $852 and why I'm still not covered properly. According to the agent I am being charged for what the diffrence of proper coverage since Oct 10th. Due to the fact they never recieved the vehicle inspection forms from a speciliazed GEICO inspection station. In order to be properly covered from Oct 10th to current date I must pay this amount over and above what they quoted and charged me.
GEICO will not spread out the amount in the payment plan due to it being at the end of the 6 month policy period. They will not admit that they are in the wrong and have not covered my vehicle properly.
I am on a strick budget and cannot afford a lump sum of $850 plus the amount to renew the 6 month policy on our vehicles.
I urge anyone looking at GEICO insurnace company to stay far away from their friendly, but dishonest customer service. I am repulsed at the fact that I did everything to honor the contract and GEICO did not. When did buisness gain the right to charge customers for their wrong doing and breech of contract? Obviously GEICO has gained that right.
William
Herndon, Virginia
U.S.A.
3 Updates & Rebuttals
Brian
Virginia Beach,Virginia,
U.S.A.
He is correct
#4UPDATE EX-employee responds
Thu, February 23, 2006
In regards to William in Herndon, you are correct, as an ex-employee I often questioned why Geicos sales dept. Would require an inspection but not tell the customer, they would send out paperwork supposedly with the info inside and expect the customer to find it in there somehow. Manytimes the inspection sites that were sent out no longer do GEICO inspections and if they do the can take weeks to get the information in to GEICO. Then of course lets talk training, many of the GEICO customer service agents do not know where to look for the info. and/or cannot access the info as they do not have the code or password and have to go to a supv. to look it up in which case they are better off just making you get re-inspected as they only have a matter of minutes to get you on and off the phone or they can be fired themselves. Then of course, if you can prove you had the insp. done, they backdate the coverage and state that since you had the insp. done on that date they were covering you since then. Lies!! I have seen many times where claims denied the claim stating it is the customers fault for not calling the insp. in. I am an ex-employee as of 02-08-2006 and also have my own ripoff report on here in regards to GEICO
David
Warner Robins,Georgia,
U.S.A.
Well.. Sounds to me like you got a quote
#4Consumer Comment
Sun, February 05, 2006
Sounds to me like you got a quote started a policy and needed full coverage on your vehicle.
Since you were in a lapse of insurance, they requested an inspection because GEICO doesn't usually request inspection on new vehicles or vehicles coming from a dealership.
After they did not receive the inspection paperwork for you to have full coverage, they took off comprehensive and collision.
Your finance company noticed you don't have comprehensive and collision which is part of the agreement you signed with them and they sent you a letter.
For new customers, the initial payment is 25% of the six month premium and takes care of the first month. The rest of your payments depend on which payment plan you choose.
Three months after the inspection, after you have been paying for liability most of the time with no questions, your wondering why you the difference in cost of liability and full coverage.
Well, you didn't pay for it. You proved you did the inspection, now you don't want to pay for the coverage. If something happened you would have wanted them to pay for it.
Now your policy cancelled for non payment.
Did you know that you were paying less than what you were quoted for full coverage those three months?
Please tell us what you were quoted for full coverage for six months and what you paid each month starting with the first month.
I'm sorry if the tone sounds rude, from the post the above is just the impression I get with knowing how insurance works.
Dave
Jacksonville,Florida,
U.S.A.
Just one question
#4Consumer Comment
Wed, February 01, 2006
WHY ARE YOU LETTING THIS HAPPEN?
Do something! Don't just take it!!!! There are many avenues, your local AG office for starters!