Geico - East Meadow, NY
Collision claim denied over inspection deadline not disclosed

I bought my certified 2006 Mercedes C280 from Mercedes Benz of White Plains dealership on May 24th. I insured my car with Geico effective May 24th to November 24th. I paid $465.40 for six month policy on May 23rd which includes BODILY INJURY LIABILITY, PROPERTY DAMAGE LIABILITY, BASIC PERSONAL INJURY PROTECTION, RESIDUAL MEDICAL PAYMENTS, SUPPLEMENTARY UNINSURED MOTORIST, COMPREHENSIVE, COLLISION coverage.

I got into a car accident on June 3rd. Geico has denied my collision claim and has informed me that my physical damage coverage has expired on June 1st (in just one week) since I have not done a vehicle inspection on the car. I bought a Certified Pre-owned Mercedes from Mercedes Benz of White Plains dealership. When I signed up for my auto insurance policy by calling the 1-877-206-0215 Geico phone number, the customer rep informed me that I need to complete the vehicle inspection within 2 weeks time (which ends on June 6) and did not mention anything about my physical damage policy expiring if I did not complete the vehicle inspection in the timeframe. I have reviewed the policy documents Geico has mailed me and it does not mention anything about vehicle inspection time frame and suspension of my collision coverage. I have not received any documentation from Geico stating that my physical damage coverage has expired for not completing the vehicle inspection either.

As I have previously stated that I have paid for my Geico auto insurance policy in full when I signed up for service and now Geico is denying my claim for collision coverage for the accident on June 3rd. I would appreciate your assistance with this matter and request Geico to pay for the claim as per my auto insurance policy.

Thank you,

Dhaval

Company: Geico - East Meadow, NY
Country: USA

  <     >