Geico / geico will not pay claim
We actually have two claims right now against geico. The first one was when a geico insured hit my wife while making an illegal left turn in a blind intersection. Because there was no visibility, and because their insured turned directly into my wife; my wife couldn't have seen them, or avoid them. To geico's credit, they did get us a rental. I also agreed to their 'settlement' on the car and they paid that. How ever many months later, my wifes medical bills are around $5, 000. geico won't pay that and started out offering to pay $100. Later they raised this offer to $1, 000. There is no way this is at all reasonable so we refused to accept that. Many months later my son was hit by another geico insured. This geico driver blew through a stop sign going at least the posted speed as he was late to a job interview. To their credit they got him a rental that evening! The adjuster contacted us and after taking my son's statement; contacted me back to say that geico would only be covering 85% as my son was at least 15% at fault. I told her that was not acceptable because of the police report, the citation given to their driver, and their driver's statement that he 'drove through the stop sign that he didn't see and hit the green car'.
On both of these wrecks, there are police reports, witnesses, statements, citations given to the geico drivers for making illegal maneuvers and causing the wrecks. We tried to negotiate all those months with geico on my wife's wreck to no avail. We were in the process of getting a lawyer when my son's wreck occurred so we went to him with both. He has been very successful in dealing with these kinds of tactics! His take on this is that they get away with this often enough and wind up saving enough by cheating people that it makes it worth while when they do have to go to court and wind up paying more than they would have if they had just paid the claim in the first place! What a crazy business practice!
Now you know why I don't have geico!! I have tried several other insurance companies over the years and for the last several we have been with Liberty Mutual. I can tell you we are very pleased with them. My other son backed into a friends new car and they handled that so well that even my friend will tell you how pleased he was with how it was taken care of from start to finish. And we didn't even have to think about getting a lawyer to take care of it!
Think of it this way: If you see a company advertising all the time like geico does it should put up a red flag for you. Only reason they would need to advertise this much is to try to replace the many customers they are constantly loosing all the time!! If any of you find yourself in this situation or a similar on I would recommend you ask around and find a good lawyer to talk to. A good one will know what the laws are and how it affects your case and if you should file a suit or not. This probably won't help any of you but you should call my lawyer: Jeff Hepworth in Twin Falls, ID. He is honest and will tell you the best way to handle your problems.
He got a big kick out of what I did. Both of our cars are totaled from these two different wrecks. I painted 'geico Sucks' on the windshields and placed them out front on a U.S. Highway. They do seem to attract a fair amount of attention. People will even stop to get their picture taken beside them!! So at least I am getting that satisfaction out of this whole mess!!
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