I had a small accident in my 1994 Ford Explorer. When I called Geico to report the accident and make arrangements to have the work done to fix my Explorer I was informed that I only had liability coverage. I let them know that I never reduced my insurance to liability. They then told me that 2 years ago, while I was still paying for the vehicle, that they dropped me down to liability. They then told me that the reason for this was that it was a policy for the company to request a used car be inspected for the insurance company for them to continue to cover it with full coverage. I told them that I did not recieve any type of communication letting me know that they were going to do this. I was told a letter had been sent out. I never received a letter like the one they were describing. I asked if an e-mail had been sent out and was told no. I do all of my business with Geico on the computer. All bills are paid on line and any changes of address or other personal informtion are done on line. I told them I could not understand why they would not send e-mail notification for this matter. They had no answer to that. I was also told that when I made the initial call to obtain insurance through their company that the rep was supposed to let me know of this policy to have used cars inspected. I was never told this. Because I did not respond to the letter about the inspection they automatically dropped full coverage. It is illegal in the Md. Not to have full coverage while a lein is on the car. They were breaking the law by just dropping the full coverage without notifying me first. Does any one know of any legal recourse that may be taken on behalf of this matter.
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