GEICO
reviews and complaints

Geico is a horrible insurance company! I was recently in a car accident that was not my fault and I was provided with extremely poor service. No adjuster was assigned to my claim and no one contacted me to process the claim. The claim representatives are extremely unprofessional and unknowledgeable of how to answer questions regarding an insurance claim. They sent me to a bad repair collision center which damaged my vehicle and the Geico claims department never took the time to contact me and investigate or inquire about the damages. They denied any damages after one month by leaving a general voice message by a novice adjuster that I had never been in contact with. I have been a loyal customer of Geico Insurance Co since 2009 and I feel that in the last few years Geico company has done a total revamp of the company and it's a big disaster and a mess! The company does not acknowledge nor do they care about the customer who pays for auto insurance in order to receive protection when there is a collision or damages as a result of a MVA. Their staff stinks and they have no idea what insurance is if they feel they can boot "you out" and not explain anything to you! They have no understanding of the law, and ethical standards for processing a claim! I am horrified and appalled at how unruly, disrespectful and ugly their services are. They are by the way providing a service!

I spoke with an agent yesterday that informed me I was able to pay my insurance policy today without cancellation and she offered me an extension. However when i went to pay it today to my shock it was canceled. To renew i would have to pay 50.00 extra which i do not have. She provided me with false information and now i have no insurance as person who lives pay check to paycheck this is life altering. When i spoke to another agent they were not helpful or able to find her name or help in anyway to resolve.

I applied for Auto Insurance through Geico today 9/2/2022. I have had previous Geico auto policies, but it has been years and I honestly did not know I owed a balance of $411. As soon as I applied, Geico removed the $411 from my bank account. This was done without any authorization or any notification that applying would automatically remove a past due balance from the bank account you are applying with. I have contacted Geico and pretty much was told too bad so sad. Would the best course of action be to go ahead and call my bank, explain the situation, and issue a stop payment before it posts to my account? Or let it post to my account and file a dispute? What would the next best steps be?

Truck caught fire in april been not agreeing on price there wanting 2 give n they cant even get truck right to compare to others we had nothing to do with the fire they think a battery to tool started the fire but when they compare r truck with 2 other trucks for a value there not putting r truck down right then there saying like minus 300 for water damage n 250.00 minus for soot like therre minus prices its like there trying 2 make us pay damages that the fire caused they have treated us badly now its like noonesz talking we have full coverage n were honest hard working people

We were not informed that they did not receive the check we sent them last month until last Friday by mail. We checked with the bank and the check was still not cashed. We called Geico and were told that we still had time to allow our check to post from their offices just to be sent a cancellation notice by them informing us that to reinstate our 6 month policy, we would have a $200 raise in our premium. Calling the customer service persons, we were told we would receive a call back from supervisors within an 8 hour window of time. We should have been transferred to a supervisor in the same call. Considering we have a longevity relationship with this company with no claims and excellent payment history, the company should honor their customer service promises.

We have been with Geico for 13 years. Our policy covers my husband 54, myself 49, and my 2 sons 22 and 20. We had 4 vehicles on the policy, 2 $40k+ vehicles for my husband and myself and 2 max 7k vehicles for our sons. Geico, in their infinite, wisdom decides who the main drivers on each vehicle is and instead of allowing us to assign the correct drivers to the correct cars, they have a "system" that "randomly" assigns the main driver "and they can not manually override it". Oddly enough, their system decided that the 22 and 20 year old drivers (the 20 year old has an accident on his record) were driving the $40k cars and the 2 50 year old's were driving the POS's. Nevermind that one of the vehicles is ACTUALLY legally registered to our 20 year old, still their system claims the 20 year old is driving MY car. Needless to say, suddenly our insurance went up and after 4 calls we were unable to actually get this fixed. It used to be that you could go online and change it in the ap and unethically, they changed that option. I can not get over what crooks they are and how unethical this practice is.

my husband truck caught fire ruin r truck no we had nothing to do with it geico said 17500 was what they started with then went to adjusters hands went to 5000 then they change again now 11500 to give us but theres few issues they r taking out 1762.00 for shape truck in for soit n water damages we had nothing to do with fire it started in back seat they made us feel like it was r fault in no way it was they have treated us badly n now want us to pay damages which is wrong we have 300000 to 500000 coverage n when comparing 2 other trucks with prices to compare they have 19 things x out r truck has they total it cos it was 16500 to fix it they even said well mantain veh yes it has high milage but it was still running strong n well taken care of n they compare in texas which is very far from wv the cheapest we seen same year almost same milage run 14000 to 24000 but cant even get r truck value right cos they x out all what we have n treat us hateful n he threaten to bring the fire truck here n drop off n not pay this is going on since april were hard working n honest people this has went on since april

My daughter and son-in-law recently purchased a home in NC and since I have had auto insurance with Geico for many many years, I recommended that to be the first call. The policy was put into place, they closed on the house, and all seemed to be fine until today.

My daughter received an email stating that since a home inspector, not county or state affiliated, but a private home inspector "recommended" the roof be replaced, that Geico REQUIRED the roof to be replaced or the policy would be cancelled in two weeks. This is absolutely outrageous. The house is 20 years old and the roof is in good condition. I have been in the construction industry for 50 years and would have steered them away from the house if there was a problem.

The email stated documentation showing the roof had been replaced by a licensed contractor and color photos would be required to keep the policy in place. The email stated the replacement was required and there is no other option. My daughter called the underwriter and got nothing but basically "do as we say or you are cancelled"...perhaps it is time for me to move all my coverage elsewhere.

Geico evidently is managed by individual home inspectors who can determine your customer base...sounds like a pretty poor way of doing business.

I made a claim in 2018 where a check was issued for the repair of my car door. The check was made to the body shop I chose. However, there was a $500 deductible that I could not afford at the time so I left the door as is.

I received a letter from Geico dated June 10, 2022 that the check had not been cashed. The check could be re-issued. If I had it, return it in the enclosed envelope for it to be re-issued. If not, call the number at the bottom [protected].

I called that number over and over and left messages over and over! Finally, called the Geico main number and Katie Nichols was helpful and said I should speak to Craig, the supervisor at Claims. I have called Craig since June. Not one phone call returned. It is August! You can't imagine how frustrated I am! Craig does not return calls. Neither does the person at 6205! Now, the person at 6205 has an outgoing message that she is out of the office until Thursday and to call Lana, which I just left a message for.

I have sole ownership of my vehicle now and can make the repair, and was told that the check can be re-issued. But my letter says that if I don't respond within 45 days of the letter the money will go to Unclaimed Funds! I really don't understand how, in two months, I have yet to receive ANY return call regarding this matter! Not good on Geico's behalf. I've been with you for many, many years.

my car was sent to K&E Auto collision a Geico repair shop. my car suffered a deep large pothole damage to the front end left and right side and to the rear end right side as well causing damage to the suspension and all other components, shocks struts, brakes, rim, this shop kept my car for over 2 months and only repaired certain parts and not the rear end damage. the vehicle was picked up with knocks, noises being heard the same noises and knocks to the mid front and rear right and left front. i was left in awe. when I called the shop to complain and the Geico claims adjuster Michael Fernandez who is not doing his job, no Geico inspector or adjuster before and after to inspect my car. no help with MF who is protecting the shop with excuses and sending me to the dealer for diagnostics when a dealer is not responsible for my car. the shop K&E IS THE ONLY ONES RESPONSIBLE FOR NOT REPAIRING MY VEHICLE AND LYING TO GEICO TO RECEIVE PAYMENT. I HAVE OVER 12 VIDEOS I TOOK AFTER I PICKED UP MY CAR WHERE YOU CAN HEAR AND SEE THE DAMAGES THAT WERE NOT FIXED. THE CLAIMS ADJUSTER IS INCOMPETENT, AZY AND RUDE. THE CLAIMS MANAGER JASON POREMSKI IS ALSO LAZY AND NOT IN THE BEST INTEREST OF THE GEICO CUSTOMER WHO IS IN GOOD STANDING WITH ACCIDENT FORGIVENESS AND A LOYAL GEICO CUSTOMER. I WANT MY CAR INPECTED, DRIVEN AND DRIVEN IN NY STREETS. AND REPAIRED PROPERLY.

My mother and I are on the same policy. We always pay on time. Recently, by no fault of my own, my car was involved in a shooting. As opposed to being attentive and gracious to help a paying victim, they were slow to their feet, tried to side step the obvious damages caused by the direct result of the gunfire. If they did decide to pay for some of the damages... Little did I know my hard earned money meant nothing to them and we're haggling behind the scenes to make sure they were only purchasing used parts. Funny, they want their money quick but don't respect you the same. I argued in any way to minumalize what is a very traumatic experience for me. They ignored me, lied to my mother and took me off of the account only to say they made a mistake, BUT WE WOULD STILL HAVE TO PAY TO PUT ME BACK ON! IN WHAT UNIVERSE IS THAT OK. I was treated better in a back alley in Houston on the bad side of town holding a Louis Vuitton. The nerve.

Basic Information:

I have a motorcycle insurance policy with GEICO which has been in good standing for approximately four years.

Florida insurance rules regarding UM coverage changed this year requiring policy holders to provide new signatures.

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The Problem/Complaint:

Communications from GEICO did NOT provide complete or proper notice and I was billed for $1,800+ additional to my standard $240+ annual premium.

During attempts to resolve the issue, five (5) insurance agents individually gave promises to follow up with me with further documentation. Over a period of about 10 days of me calling GEICO, NONE of the five agents, nor anyone else, returned a phone call or provided information/documentation they stated would.

I face cancelation of my policy on August 1, 2022 "for non payment of premium" of $415.99 (cost for UM during period of time from policy renewal to date I completed the new rejection form). They have failed to address my questions about notification failures and state (and bill) that I still owe the money regardless of notification issues.

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The Story:

As soon as I saw an email with the additional amount to be paid, I called GEICO within minutes. They explained the new Florida requirement and stated that they sent notices by text, email, phone call, and voice mail.

My records indicate I received only a text which had no pertinent information stating or inferring major changes or requirements for my policy. It merely stated there was "important information" and to call. Unfortunately, this is wording used in marketing by most companies therefore gives no real indication of necessity to respond. There was no deadline reply date. I do not recall reading the text yet it is in my records therefore I received it.

My records indicate a telephone call from GEICO was declined. Records do not indicate how or why it was declined and there was no voice mail left on my system thus I had no idea they called. Records indicate the text and declined call were both at the exact time. It is possible my phone declined the call if it was simultaneously processing the text.

**Note that I responded promptly to other GEICO voice mails regarding another matter.

After the text message mentioned above, I received and read a text message stating my premium payment of $241.34 would be billed to my credit card on a specific date. Amount and date were correct for my account. This message gives the full impression that all is normal on my account and gives no indication of urgent action needed nor any information inferring I was about to incur an $1,800+ INCREASE in premium.

**Note that a GEICO insurance agent directly stated (in a later phone call) that it was against Florida law to put any financial amounts in a message or voice mail. This was in response to my question about why they didn't include the astronomically high increase of the billing in the text message or a statement that Florida Law requirements have changed requiring action by me.

I received and read another text message a few days later (after renewal date) that my new renewal ID cards were "now available." Again, this gives the distinct image that all is normal on my account.

I received NO emails and NO US Mail from GEICO about this issue (GEICO claims to have sent an email plus claims to have sent US Mail with information about the new forms) except for two billing emails (described later in this complaint). The first email in June I missed due to a temporary medical incapacitation. The second email, I received and read 7/10/22 and called GEICO within 14 minutes of receipt.

**Note that I also use USPS Informed Delivery that shows photos of mail I am to receive daily. I received no notices from USPS of mail from GEICO during the relevant time period.

My efforts to fix this matter began on 7/10/22 with the aforementioned call. I completed the UM rejection form with signature with the agent's assistance as the web site was not performing as it should.

To summarize for purposes of this posting, over a period of 10 days I spoke with five (5) insurance agents in the motorcycle department. To different degrees, each of them restated requirements for a new signature and each of them stated they would either "get back to me" or send messages to one of the other agents familiar with the matter.

NO ONE HAS CONTACTED ME IN ANY MANNER (see below for billing notice exceptions) since my call to GEICO on 7/10/22. Today is 7/24/22.

I have received two email bills stating that I owe $415.99 and that if unpaid, my policy will be canceled on 8/1/22. One also stated that notice had been mailed to me. I replied to one email with a brief statement that I was actively working with insurance agents and suggesting no termination of my policy should be affected until the matter was resolved. I received a reply stating I still owed the money and it must be paid by 8/1/22.

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Conclusion Summary:

GEICO has demonstrated an extraordinary lack of integrity and lack of customer service professionalism that reflects negatively on the GEICO organization and certainly gives no indication that GEICO is concerned enough for their customers to provide reasonable responses to legitimate concerns.

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Other Steps Taken by Me:

I have sent a letter (via USPS Priority Mail Express) to Mr. Todd Combs, President and CEO, with details of every step of this process and provided detailed documentation of my records to substantiate every detail possible.

Since the USPS delivery will be Tuesday, July 26th, I also sent an email with scanned copies of the letter and all documentation to three email addresses with distinct notifications that the email is urgent and intended for Mr. Combs and his office. There is no address listed by GEICO to reach corporate so I used several sources, including ComplaintBoard.com, to cull useful and valid addresses. The following addresses were successful in sending (at time of this writing):

[protected]@geico.com / [protected]@geico.com / [protected]@geicomail.com / [protected]@geico.com

The first I determined by using the format of the last. The last was an email sent to me by the second agent I spoke with to verify I was receiving GEICO emails.

Was dropped from roadside assistance, through geico, without notice .

July 8, 2022

Refer Homeowners Insurance Policy Account

To Whom it May Concern:

This is to provide a formal notice of our discontent with the way Geico calculated our refund for the Homeowners insurance policy cancellation. We were quoted a policy for $5327 which is what we paid for this policy. We received a letter two months later stating that our policy would increase to $11687. First, had I been quoted $11,687 for any type of insurance I sure would not have accepted it. This is our 4th property, and no one has even come close to anything that ridiculous and we had legally coded 2380 square foot basement that increased our last property to 5879 square feet. It was not a complete underground basement.

Secondly, the property is only valued based on the above ground square footage which is 4222 sq feet. As stated by the appraiser, the basement although it is finished does not meet the legal code to be classified as living square footage. None of the rooms classified as bedrooms or bathrooms have windows. The only room with windows is a den area that has a window and door. I would not waste my money to rebuild the basement as built because it is only financially relevant as finished storage space. It does not matter what Zillow states or any other listing online. When our appraisal was completed, it was based solely on the 4222 sq footage. Our deed lists only the 4222 sq feet. My husband does use the finished den area for a man cave, but the other space is used only for storage. This house has only 4 legitimate bedrooms and only 3 legitimate full bathrooms and 1 half bathroom.

No one has even been in our home so how can Geico justify changing the quote based on the number of square feet. This basement is not legitimate, legal square footage. Nor would I pay to have it replaced in its current state.

At any rate, as I explained to the representative, I was quoted a $5327 insurance policy and that’s what I paid for. I would have taken the $7834 policy from USAA had I been quoted $11,687 initially. The reason we cancelled the policy was because of the significant increase in the policy and we should be refunded based on what we paid for and not for what Geico decided 2 months later. We are not discussing $600 or $800 increase, were discussing $6000 plus increase in that policy.

On May 31,2022 we were on our way to the lake with our boat when we were re-arended by a person that has geico insurance, we filed an accident report, the boat and trailer were damaged, so we did everything that was asked of us as far as sending pictures, answering all questions. We are now nearly 6 weeks in and this issue has not been resolved, we have been passed around from person to person and can't seem to get what is called "the boat team" to contact us as to what they want to do about the boat. We have been communicating with Matthew Magana and he settled with us on the trailer, but we are still waiting on our boat claim to be settled. This has been difficult since we had several fishing trips lined up for this summer and it has been put on hold because geico can't seem to get the "boat team" to do their job, we are frustrated with this whole process, we would like to get this taken care of so we can get on with our summer.

In March 2022, I received a letter in the mail from Geico's underwriting department stating that I was going to be cancelled in April 2022, due to having 23 auto accidents between 3/20 and 1/22. After speaking with several different individuals in Geico's Customer Service and Underwriting Departments and explaining to each of them I am the victim of identity theft, and someone had literally taken over my life. For some of the accidents I was supposedly involved in, I wasn't even in the state and offered to send proof of my flight records. (Two of the claims listed as impacts to the cancellation were hit & runs, while no one was in the vehicle, so according to the claims department should not have been impacting claims.) Each person assured me that wasn't necessary and that I did not need to send them that information and my driving record would be updated correctly. I was then told that the cancellation would be dropped within 48 hours, and I would be able to renew my policy at that time. I was told to call back to validate that the system updated and then I'd be good to go. Well, that was not the case. I went through the same exact sequence 3 additional times, with my final follow-up being on 4/1/22 (day before cancellation). The woman I spoke with in the underwriting dept told me that everyone else I had spoken with was not incorrect and that I had to provide communication from the FTC, NYPD, and documentation for every accident that i was claiming to i was not involved in. She followed up with the policy will cancel at midnight, so I'd better hurry up. I ended up being cancelled and am now paying a ridiculous amount in auto insurance because of the incorrect information in my driving record. I was with Geico for 19 years, and in that time, had only 1 accident. and then all of a sudden, there were 23 claims in only two years and the ONLY 3 times I heard from Geico, were the three times I actually made claims.

What is important to understand about GEICO in the state of North Carolina is that they engage in predatory cancellation policies. Once you sign up with GEICO, unlike other insurance companies in the state, State Farm for example, you are contractually obligated to complete the 6 month term. If you cancel for any reason, they will revise the cost of the policy on a per day basis and charge you more. They will attempt to blame this on the state but I assure you the cancellation penalty is at GEICO's sole discretion.

Most insurance companies send you a pro-rated refund upon cancellation. GEICO does the opposite. You will be contractually obligated to stay with GEICO for the life of the term and charged if you attempt to cancel. They will not reveal the amount of the penalty until after cancelation.

I tried to fight the penalty but it was either destroy my credit, hire a lawyer, or pay the fee. When I called in to pay the fee I found that they had blocked my number company-wide. I couldn't even call my local agent! This company engages in predatory practice and petty revenge acts while trying to blame it all on the state board of insurance. I spoke to the director of the board personally and he confirmed that charging people for canceling insurance is GEICO's policy, not theirs.

Set up estimate and rental. Here now no rental

Hello,

I had an auto policy with Geico for years.

I have never been in accident expect in the first day of this month 6/1/2022.

I was denied all services that I knew it is included in my coverage for years.

I was supposed to get Road assistance and Towing service.

I was supposed to have an adjustor and inspection for my car and to get a report about how that accident took place.

It was a fatal situation since my air bag did not open and my chest was bumped into the stirring wheel and I was taken to the hospital for evaluation.

Geico was absent during all the time of that accident and I called them every single day after the accident and every time I call the agent transfer the call to someone else claiming that it was not his/her area of expertise.

Then they came up with a story that my coverage was canceled by someone either in 2020 or in Jan 22, which is a total lie. I never asked any agent to change my policy. Andrew, one of their agents told me that there has been a change in their system and some policies were changed for some computer glitch. In brief, they are procrastinating and I am very frustrated with my car considered totaled and rental is denied although I have it in my policy.

It is all inappropriate action and no one is capable of helping me to restore what was dropped off out of my policy.

I am supposed to be not at fault in that accident but no inspection so far by Geico and I am in a "pending status" since Geico is denying all my rights in having a decent service.

I asked to talk to a manager, they said they didn't have one so how can I get this decently solved?

I need my dropped off coverage to be restored back to my policy and get it applied to my claim pls ASAP to be able to resume my life.