I was stranded 5 hrs from home, with a broken down vehicle that was not drivable! I managed to get it to the shop, called GEICO regarding trying to get home Christmas and was told they were unable to help me. They told me I had a mechanical breakdown, not a collision. Since they only offer mechanical breakdown coverage to individuals who have brand new purchased vehicles or leased vehicles; that's why I was never told about it or even offered the coverage. However, I have rental coverage added into my policy, which I pay a hefty premium to GEICO for and they won't even honor that! They said because I didn't have mechanical coverage, and my problem was a mechanical breakdown; the rental coverage does not apply and I cannot use it! So domino effect! I am paying for a service that I need to utilize, but I can't because of their hidden fine agendas in their policies. I have dealt with many insurance companies, and never once has it been this poor. So when I called in tears talking to the representative, she basically told me she cannot help me and I would have to find my way home! Thanks for nothing!
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