Geico — geico policies and procedures!
I requested a quote from GEICO regarding insuring my son under my automotive policy. After providing GEICO with information to ascertain a quote, I was charged an additional $131.00 to insure my son under my existing policy. However, I only requested a quote. I contacted GEICO via email and by phone and was informed that in order to remove my son from my policy, it would be necessary to provide written documentation of existing insurance coverage for my son. I do not believe it is GEICO's right to enforce such a policy, when I clearly requested a quote. Additionally, it is none of GEICO's business as to what insurance company my son is insured under, unless I officially entered into a contractual agreement with GEICO to ensure my son, none of which I have consented to in writing or otherwise.
I contacted a lawyer and was informed that in the state of Virginia, it is the law that all drivers with a valid license living at the same residence must be insured, however, there is no such law in Maryland, where I reside. I informed GEICO of that law, and was told that it is GEICO's 'POLICY' that all licensed drivers within the home must be insured. Again, I explained that I wanted a quote and that my son did not reside with me, and again I was asked to provide proof. After speaking with Judy Williams, in GEICO's CEO office I was told that none of the GEICO customer service representatives whom I spoke with informed me that I could sign a waiver, which would exclude my son from driving my car. Judy Williams sent the waiver to me via traditional mail, I signed the waiver and faxed it back to GEICO. GEICO removed most of the charges associated with insuring my son, however, GEICO is charging me for the time that my son was insured under my policy prior to signing the waiver. I did not agree to have my son added to my automobile policy, I simply requested a quote. Lastly, because of past business dealing I maintain all written records and documentation from GEICO, which outlines the aforementioned. I would like to start a class action lawsuit in hopes of stopping GEICO from imposing such a policy. Additionally, I would like GEICO to payback any consumer that requested a quote and was subsequently charged for services that they did not receive. GEICO cannot continue to rob consumers based on technicality, which was imposed by GEICO.
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