I don't have Geico Insurance but I was rear-ended by one of their customers. The accident happened at night in a parking lot, the other car just completely failed to stop and rammed his truck into my car. When I got out of my car, the Geico customer staggered out of his car and said, "Wow, I didn't even see you there." I got his information (VIN, policy number, phone number, address, etc).
I didn't call the cops because honestly I was afraid that the drunk was going to turn on me and I had my younger brother in the car. I offered my information twice to the guy and he refused, saying that it was all his fault and he would take care of it. He kept saying he would pay. My car sustained alot of damage, and I injured my neck and shoulder and my brother injured his neck and had a bump on his head. At first i filed with my insurance and they told me to file with Geico because he was clearly at fault (by texas law if your rear-ended it is automatically the fault of the person who rear-ended you).
So I filed with Geico, an adjuster came to my house to look at the car, because my car wasn't drivable. He told me that he was considering my car a total loss. When I informed him that it had a brand new motor in it with only 8,000 miles. He just ignored me. Then I called Geico and talked to the person in charge of my account, she said that she was waiting to get the story from their client, because they couldn't contact him! They called him and they sent a person out to his house but they couldn't find him. I think he skipped town or something. The adjuster said that since I didn't call the cops I couldn't prove that he was actually at the site of the accident. THEY TOOK TWO MONTHS and then told me that they were not admitting fault. So now I have to file with my insurance and pay my deductible. My insurance said that they would go after my deductible and the medical expenses.
I'm so infuriated with Geico, the adjuster kept insinuating that I was a liar and a fraud and the car inspector was a jacka*. I think they stalled on me because I mentioned the guy was drunk. If they admitted fault it would have opened a door for a huge lawsuit. So they played dirty.
Because of this I will never use Geico! Don't fool yourself and get Geico, they don't even pay out if someone steals your car. Look at the other consumer complaintss.
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