When I as a newly separated parent went to change my car insurance to my own account, I called the service number on my existing account. When I asked to have the identical, full and complete auto coverage transferred to my own account, I was told that that would occur. Never having had car insurance of my own before, when the written policy arrived, I filed it away.
That winter, I had the misfortune of having an accident which involved body damage to the vehicle. When I called Geico to report it, I was told that I did not have collision insurance. Yet, I did have collision insurance under my husband's acc't but when I transferred to my own acc't, though I requested the identical policy, as it was all transacted over the telephone, I had no proof that I had requested collision 'because I did not specifically say that word, it wasn't included'.
What a crock. So, needless to say, Geico is first on my DO NOT USE list of companies to tell everyone about. Go with a company with a specific agent assigned to you! Never trust GEICO because it's your word against theirs, (even though the written policies said the same thing!)
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