Mid-States Ford Auto Repairs denied due to misdiagnosis Ripoff Waukee Iowa
It's important to note that Midstates Ford in Waukee, IA diagnosed several problems as "old age" so now Geico isn't going to cover those repairs. These are: Cooling fan module/regulator, light amplifier (for automatic headlights). A new problem has been found since the temp has started rising in the area. The air conditioning pump doesn't work when you turn on the air. The little clutch that should lock so the belt turns the pump doesn't lock. Of course, I can't afford another $250 for damned Midstates Ford to tell me it's also OLD AGE. (they charged me $266 to diagnose the lights and cooling) Midstates described the problem with the light amplifier as a burnt out resistor. WELL that certainly sounds like an electrical surge issue to me. Evidently not.
I'm angry at Geico for not protecting my investment, which is why I purchased the insurance to begin with and I.m more angry at Midstates for handling the issue with a startling amount of incompetence. They didn't even know how to get the claim to Geico! They wanted me to pay for the repairs then get reimbursed myself.
I haven't had a chance to contact Geico yet about the body damage. Likely they're going to ask why I didn't notice before. Well, I haven't been able to DRIVE THE CAR is why. It was struck almost a YEAR ago (July 2004) and I've JUST NOW gotten it to a point where it's at least drivable as long as I don't go too slow or stop while it's running because it'll over heat. Yah, this is why we have full coverage insurance huh people?
Chad
Dexter, Iowa
U.S.A.
5 Updates & Rebuttals
Chad
Dexter,Iowa,
U.S.A.
Try to understand. My car worked perfectly one day
#6Consumer Suggestion
Thu, June 09, 2005
My car worked perfectly one day. Everything about it was functional.
My car was struck by lightning.
Geico paid for many repairs on the vehicle.
I received the vehicle back, which still had multiple problems that didn't exist prior to the lightning strike.
I expected Midstates Ford to diagnose and repair the entire vehicle. They failed to do this. They now claim that several problems are "old age" and not related to the lightning. They refuse to discuss it as I believe they simply don't want to be wrong. Maybe there is more going on at the repair-shop than I know of, but either way, I want my car fixed and I'm not going to give up until it is.
It's not right that my car isn't in the same condition it was before the lightning strike and that nobody seems to care that it ever is.
Patrick
Gilbert,Arizona,
U.S.A.
Struck by what, lightning?
#6Consumer Comment
Thu, May 19, 2005
Chad,
I had to read it a few times, but from what I gather, your car was struck by lightning, is this correct? You never did say specifically.
If this is the case, I've got some bad news for you. Car insurance usually does not cover "acts of God". In this case, a lightning strike. However, I'm not sure as GEICO is not my insurance carrier, so I can't look at the terms.
You asked "why do we buy full coverage auto insurance?" You have insurance to protect the investment you have in your automobile, not to fix every little dent and ding on your car. That's why there is a dedcutible, to deter people from claiming every little thing. If repairs will cost $1000 or less, you are much better off paying for it yourself than filing a claim with insurance. Or else your rates will skyrocket beyond belief.
I think your whole report is ueless. Although I don't like car dealers, it sounds like you went there to have some problems diagnosed, and they diagnosed them and charged you the appropriate $266. Did you tell them the car was struck by lightning?
If you don't trust the car dealer, try an auto electrical place. They are usually cheaper than the dealer anyway.
Patrick
Gilbert,Arizona,
U.S.A.
Struck by what, lightning?
#6Consumer Comment
Thu, May 19, 2005
Chad,
I had to read it a few times, but from what I gather, your car was struck by lightning, is this correct? You never did say specifically.
If this is the case, I've got some bad news for you. Car insurance usually does not cover "acts of God". In this case, a lightning strike. However, I'm not sure as GEICO is not my insurance carrier, so I can't look at the terms.
You asked "why do we buy full coverage auto insurance?" You have insurance to protect the investment you have in your automobile, not to fix every little dent and ding on your car. That's why there is a dedcutible, to deter people from claiming every little thing. If repairs will cost $1000 or less, you are much better off paying for it yourself than filing a claim with insurance. Or else your rates will skyrocket beyond belief.
I think your whole report is ueless. Although I don't like car dealers, it sounds like you went there to have some problems diagnosed, and they diagnosed them and charged you the appropriate $266. Did you tell them the car was struck by lightning?
If you don't trust the car dealer, try an auto electrical place. They are usually cheaper than the dealer anyway.
Patrick
Gilbert,Arizona,
U.S.A.
Struck by what, lightning?
#6Consumer Comment
Thu, May 19, 2005
Chad,
I had to read it a few times, but from what I gather, your car was struck by lightning, is this correct? You never did say specifically.
If this is the case, I've got some bad news for you. Car insurance usually does not cover "acts of God". In this case, a lightning strike. However, I'm not sure as GEICO is not my insurance carrier, so I can't look at the terms.
You asked "why do we buy full coverage auto insurance?" You have insurance to protect the investment you have in your automobile, not to fix every little dent and ding on your car. That's why there is a dedcutible, to deter people from claiming every little thing. If repairs will cost $1000 or less, you are much better off paying for it yourself than filing a claim with insurance. Or else your rates will skyrocket beyond belief.
I think your whole report is ueless. Although I don't like car dealers, it sounds like you went there to have some problems diagnosed, and they diagnosed them and charged you the appropriate $266. Did you tell them the car was struck by lightning?
If you don't trust the car dealer, try an auto electrical place. They are usually cheaper than the dealer anyway.
Dave
Jacksonville,Florida,
U.S.A.
Why are you mad at GEICO???
#6Consumer Comment
Thu, May 19, 2005
Insurance companies aren't responsible for repairs to a car other than what was caused by an accident. Normal wear and tear is not an insurance company's responsibility. Your complaint doesn't make sense. Did you leave something out?