On last sunday I got into a car accident with a geico policyholder. We were at a four way stop sign and the lady T-boned me on the right passenger side of my car (lincoln ls) from the rear door to the bumper. She admitted to the police officer that she wasnt paying attention yet she also stated that I blew the stop sign.
Because of this, the geico people refused to pay my claim saying that I had to provide the burden of proof that I indeed stopped at the stop sign. That is a immpossible request. How am I supposed to prove I stopped? They said (the buffalo office was handling this case, alan farnsworth) that because she said I blew the stop sing and because she was a policyholder and I am not, that they had to take her word for it over mine.
To me this is absolutely ludicrus. The fact that she told the policeman she never saw me but somehow hit me with the front end of her car proves that she was not paying attention. Here are the facts,
A) she hit me in the rear with the front of her car
b) she told the policeman she never saw me but yet somehow hit me with the front end of her car
c) the police report says that she was not paying attention
d) I was almost past the intersection when she hit me
d) She stated I came out of nowhere, yet how is it that she can tell the cop that I blew the stop sign?
Furthermore, geico is saying she is only 30 percent liable and that they must deny my claim. THIRTY PERCENT LIABLE WHEN SHE HIT ME IN THE REAR WITH THE FRONT OF HER CAR??? Now to me this is just a big insurance company trying to deny a claim in any way possible.
If I dont have a legit claim then no one does. The only reason the adjuster as well as the manager, (Angela rinella) told me that they were denying it was because I couldnt prove that I had stopped at the stop sign and they had to take her word over mine because she was a policyholder. Again, how am I supposed to prove I stopped at the stop sign? This is a immpossible request in my opinion.
I am not the master of time to go back and take a picture. Despite the facts, they are using this bs technicality to deny my claim. I asked them how she could have noticed me blowing the stop sign if she said I came out of nowhere. They had no response to that. Furthermore, the prick adjuster said that according to the pictures, there was not enough damage to prove that she ran the stop sign. Now what does that have to do with liability? The bottom line is, she hit me in the rear with the front of her car. She is 100% liable in this yet geico is trying to shaft me a new one by saying they have to take her word over mine.
I feel so sick of the big insurance company trying to save however many pennies they can to spend on their dumb commercials. I HATE GEICO and their stupid runaround tactics. Furthermore, I feel that they are out to cheat the public with their false advertising. The bottom line is that their rate may sometimes be cheaper but beware, you pay for what you get. IF someone can help me stick to geico, please let me know.
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