Geico Insurance needs to understand that their customers are all of equal importance.
On November 27, a car rear-ended my vehicle while I was stopped at a red light.
By default, the person who rear-ended my car is at fault. His insurance company is State Farm.
I called Geico on the 28th and filed a claim. They stated that they needed to wait for State Farm insurance to contact their insured, to get a "word" from them, as stated by law, and that if I wanted my car fixed immediately, I would need to pay my insurance's deductible, which I can claim for a refund later on, from State Farm. I decided to wait instead for State Farm to contact their insured, so that no money goes out of my pocket at all. I figured that it would be more complicated to ask for a refund than to simply wait for State Farm to speak with their insured involved in an accident with my car.
Two months pass. Currently, it is January 31 already, and State Farm has been sending me letters, notifying me that they are "still investigating" the claim, by trying to get in-touch with their insured because he has not responded to their messages yet. I was told by Geico and State Farm that there is a 40-day grace period by law, for them to get a word from their insured. 40 days has passed, and nothing has happened with my claim since I opened it.
I called Geico recently, asking them to help me speed-up the process by getting in-touch with State Farm, however, I was met with disappointment when I was told that there was nothing that we could do but to wait it out.
Now because I was the rear-ended, not the "rear-endee", Geico is not going to lose anything with my claim—it will be State Farm that will shoulder all the costs. So, why should Geico dilly-dally with my claim? They are not going to be shouldering any costs. It's pure laziness. From their handling of my case, I drew the conclusion that because my car was not involved in any relatively "major" damages, I could simply be brushed-aside and set in a procrastination pile of some sort.
When I get the opportunity, I would certainly switch insurance carriers.
This company does not seem to value the business of their clients. No matter the scale of the claim, especially if their insured is not at fault, they need to understand that all their customers are of equal value, whether they like it or not.
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