Complaint Review: Geico - Mays Landing New Jersey

I am an insurance agent and with that said I talk to people everyday about: What their coverages are; How they are at risk if an accident where to occur! And of course we are blood sucking bottom feeders that want to make a quick buck so no-one ever listens! So let me tell you what you were "more than likely" told when you got your policy - you were told that on RR you should carry a min of $750-900 limit (depends on the state) for an average size car; however if you want to car similar to yours (an SUV) - you will need to consider a higher coverage in the amount of $1500 limit, that is $35 a day for 30 days or max of 1500 per occurrence (again depends on state). And like most of the Insurance Illiterate people (that is not an insult by the way) I speak to on a daily basis your bottom line was price! What people fail to realize is that we "blood sucking bottom feeder" are very well educated in how that people get into situations like this! I am sure you never even read thru the "Legal Contract" you entered into or you would have know what to expect in the unfortunate event of an accident! As an agent I would be curious to look at your policy liability limits as well! From your complaint you are a "wealthy person" - if your not careful you could find out just what you really don't have if you've chosen to skimp on that coverage too! You also must have opted out on the towing coverage!!!! At some point YOU the consumer must take the responsibility to READ your paperwork - Helloooo it is sent for a reason! Buck up and say oops I should have at least glance at it.... If you care to get SOUND insurance adv call GEICO and ask to have all of your coverages explained - and then you the consumer - ask is my coverage adequate!!!! Guarantee they will tell you!!!! PS: Just a little information for all readers to ponder: FOR THE LOVE OF GOD - IF YOU GET NOTHING ELSE OUT OF THIS COMMENT - PLEASE TATTOO THIS ON YOU ARM FOR FUTURE REFERENCE!!!!!!! *****POLICE DO NOT DETERMINE FAULT IN AN ACCIDENT ***** THEY WILL HOWEVER ADVISE IF YOU BROKE A LAW ****** ****** Best example in the world ---- I am drunk driver - minding my own business driving home from the bar; you swerve to miss a deer that ran out in front of you; instead of hitting the deer you hit me ---- YOU caused the ENTIRE accident ****** YES I BROKE THE LAW BUT YOU HIT ME!!!! YOU WILL BE THE ONE WHO GETS HIGHER RATES AND GUESS WHAT I CAN SUE THE PANTS OFF OF YOU******* KNOW THE LAW OF INSURANCE BEFORE YOU MAKE SOME RETARDED COMMENTS ABOUT "POLICE; FAULT; TICKETS; ACCIDENTS; AND YOUR AUTO INSURANCE!!!"

I was in a similar situation. I was hit by an Allstate driver who was 100 percent at fault. I went through my own insurance company for repairs to my vehicle, medical payments and rental. I drive a new SUV, yet had to drive a compact car complete with a marijuana leaf air freshener. Did I like it? No, but it had a gas tank and 4 wheels. After my policy limits were met on the rental and medical, I paid out of pocket for the rental and health insurance co-pays. I paid out of pocket for the police report. YOU WILL HAVE OUT OF POCKET EXPENSES. Is it fair? That's debateable. But, according to you, you live in a '5-star community,' one so nice that a junked car in the driveway would be too embarrassing, so the out of pockets, while an inconvenience, shouldn't break your bank, and you should also be able to afford a good attorney who can help you collect damages, out of pockets, and generally try to make you whole again. Sometimes you have to focus on the things that really matter, like the fact you were able to walk away from this accident which was apparently serious enough that your vehicle was totaled. Think about THAT when you have one of your children in your substandard rental car.

There should be a maximum coverage amount, per day and total, that you have coverage for. Anything over an above that would have to be at your expense. I believe that auto insurance coverage is usually for property damage and medical expenses. I'm not so sure about fees. Again you'll have to check your insurance documents for any exclusions. It pretty much depends on what coverage you have on your policy. If they are paying you less than bluebook for the car that would be unfair. If they are paying you the bluebook value of the car at the time of the loss, how is that unfair? Just because you paid too much for the car doesn't make it worth more. The other thing you can possibly do is to sue the other drive for any expenses that are not covered by your insurance. Just be sure that they are legitamate expense. Sure, auto accidents are a major disruption, just be thankful there were no serious injuries. Good luck.