Geico
Beware of geico

Are you tired of those Geico commercials that seem to be everywhere these days? I certainly am and everytime I see one I feel like throwing something. Listen up! If you're thinking about switching to Geico be very careful. You must BEWARE OF GEICO!

Several years ago I was involved in an automobile accident while living and driving in the State of Maryland. Approximately 10 months earlier I had switched to Geico insurance, had paid several premiums and had recently received correspondence from Geico. Consequently, I had every reason to believe that I was a current Geico policyholder. However, when I called Geico's customer service department to report the claim I was told that my policy had been cancelled for non-payment of an installment premium.

My first thought was that surely there had been a mistake because I had not received a notice of cancellation but I was assured that despite my protestations and declarations of innocence, the policy had indeed been cancelled. Admittedly, it was my responsibility to keep up with the dates that the premiums were due but what surprised me most was that Geico had failed to send me a formal notice of cancellation.inasmuch as insurance was, and still is, mandatory in the State of Maryland, I was also surprised that I had not been notified of the cancellation by the Maryland Motor Vehicle Administration.

When I signed up for Geico insurance I chose a payment plan which included eight payments which were due on staggered dates throughout the year. The installment premium which I had failed to pay was approximately $70 and was the last payment to be made. I simply missed it and it cost me dearly. As a result of being uninsured, a civil action was subsequently brought against me by the insurance carrier of the other driver and I was sued for over $70,000.in addition, I spent close to $10,000 in legal fees and the car which I then-owned [and which had less than 40,000 miles on it at the time of the accident] was declared a total loss. It was truly an insurance nightmare!

I was informed by the Geico customer service representative that my automobile policy had been cancelled on November 5th yet I did not find out until I called on December 25th. What a Christmas present that was! Can you imagine? Because I had not received a notice of cancellation I had unknowingly continued to drive illegally without insurance coverage for six weeks.

Another interesting fact is that during that same six-week period I had received a letter from Geico which was dated November 24th relative to insurance changes which were being made within the State of Maryland. November 24th was almost three weeks after the policy had been cancelled. The letter that I received was not a form letter. It was individually addressed to me and my handwritten notes on that letter clearly indicate that I must have called Geico for clarification before returning the questionnaire which was attached. Yet the Geico representative never informed me of the cancellation of my automobile insurance.

Customer service? I think not. Beware of geico. The company's claims are not supported by my personal experience with the company.

For more details visit www.geicodirect.org

Company: Geico
Country: USA
State: Nationwide
Address: Nationwide
Phone: 18008618360

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