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GEICO Complaint - Geico terming a vandalism damage as collision to excuse themselves of paying a claim - Geico Auto insurance
GEICO Complaint

GEICO Complaint


nick3's Picture Reviewed by nick3

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Geico terming a vandalism damage as collision to excuse themselves of paying a claim - Geico Auto insurance


Someone vandalized the front bumper and hood of my car and stole my license plate. My windshield was also cracked (though I am not sure if it was cracked before or because of this vandalism). I filed a police report and took the car to Geico auto claims adjuster for inspection of claim. He informed me that it did look like vandalism and he would just submit the claim if we didn't want the windshield to be included in the claim. We informed him that we weren't sure of the windshield, so we decided to inspect the claim further to determine if it was cracked before or not.

A couple of days later I was informed that now the windshield wouldn't be part of the claim and the bumper and hood damage would not be considered vandalism. At that time someone from their Special Investigation Unit called me and threatened me to withdraw the claim or they would sent it to the state and as they would now determine it as a collision. He told me they would sent the car for Forensic analysis and their findings would be accepted as facts and not opinion like the auto damage adjuster determined. So, I readily agreed to it. I was told they would contact me for scheduling an appointment, but I didn't hear back from them in over a week. I tried to call back repeatedly and left several voice-mails to the investigator but my call wasn't returned. So I called customer service again and was assigned a different claims examiner. She told me to speak to the auto damage adjuster again at which time he changed his story and told me he never agreed the claim to be vandalism because he hadn't seen a damage like that. I inquired about the forensic analysis of the car and after going back and forth between the auto damage adjuster and claims examiner they told me it would be more expensive to send it to forensics analysis than the amount of the claim so they wouldn't sent it to forensic analysis and just determine it themselves. After I inquired multiple times and aver the duration of 3 weeks they told me they would just deny the claim terming it collision without sending it for analysis.

Even though I explained it to them it couldn't possibly have been collision since the parking spot in front was a handicap spot and the car hadn't moved in 2 days when the damage occurred. Moreover, a collision wouldn't explain the stolen license plate (for which I had to spend a whole day at the DMV to get replacements) Also, my car had been vandalized twice before in the past year.

They wouldn't even consider the facts I provided and just denied the claim.

This just shows the practices Geico uses to not pay the claims of their policyholders and giving them a terrible nightmare like experiences while promising low rates. Save yourselves 15 minutes could save your hundreds of dollars of your hard earned money to be stolen by Geico.

I have no option rather than fixing my car myself, taking my, my family%u2019s and my friends%u2019 business elsewhere and bringing this to light.


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