GEICO Insurance Review

Comments

1. Amanda schexnailder says

   May 13, 2019 at 10:25 am

   Please do yourself a favor and do NOT get Geico insurance.

   I have been paying hefty premiums and they denied a simple claim. Basically filed a claim online for windshield change.

   Followed and answered all the questions.

   In the end, denied to pay for the claim. Lied about things that were said.

   I wish I would have thought to record conversations. Very shady dealings…never have I dealt with an insurance company like them.

   Don’t walk away from this company…RUN!

   Reply

2. Harry H. Tom says

   March 11, 2019 at 10:12 am

   Got into an accident with a Geico covered driver. He claims I turned right into him from center lane while he was in right lane.
   Actual story: we were both in right lane with him behind but he tried to get ahead of me by getting onto right shoulder to speed ahead. Unfortunately he didn’t see there was already someone sitting on the shoulder until too late so to avoid directly rear ending THAT driver, he turns left into me.
   Police arrived to take report with one officer taking statements from other driver and her partner getting my statements.
   When I went to pick up police report, I saw none of my statements were on it so I proceed to get report amended.
   The bad (Very bad):
   J. Toscano (adjuster) calls me a few days later to tell me Geico is denying culpability based on (erroneous) police report.
   I tell him I have pictures of incident and damage which buttress my perspective as well as a statement from the driver sitting on shoulder that states he was hit from behind from by his client.
   Toscano proceeds to tell me “pictures don’t prove anything” (Really? Any legitimate investigator would beg to differ) and begins to question my integrity by asking if I can prove what’s stated on the report is not accurate.
   He then finally states that “he’s heard this from a thousand other claims” and that he’s not interested in having this conversation with me. Then why did you even bother to call?
   Shouldn’t each case be judged on its own merit? Unbelievably dismissive and unprofessional.
   I filed a complaint with his management and expected it to be swept under the rug.
   Note: GEICO… You spend a ton of money on silly cavemen commercials to garner goodwill and ultimately additional business. In the age of social media, 1 or 2 complaints or horror stories can become viral and take that money and flush it down the toilet.
   The Good:
   I received a call from T. Portanova who apparently is in the management chain. We had a very good conversation with opportunity from both sides to express our respective viewpoints. I explained that the only thing I wanted was for my voice to be heard in the process which it wasn’t because of the erroneous police report. To his credit, he listened and agreed with me where appropriate and disagreed respectfully when appropriate. Bottom line: he agreed that all my statements as well as any pictures should be part of the process and not be summarily dismissed. Kudos to Mr. Portanova

   Bottom line: I canceled an existing policy I had with Geico and have spoken to 3 other friends who are also Geico clients. They are now looking to cancel their policies and will speak to their friends and family about doing the same.

   I commend Mr. Portanova for his intervention but the actions of J. Toscano was a bridge too far.

   Conversely, my insurance company: “The Hartford” has been a paragon of professionalism and efficiency during this entire regrettable process

   Reply

3. Mack says

   October 20, 2018 at 4:18 am

   Geico has been the worst experience I have ever dealt with. When I signed up, I had full coverage on my vehicle and paying my monthly payments faithfully. But recently I was in a car accident and when I called to file my very first claim, I was informed that I only had liability coverage and said that my other coverages was stripped without a warning or being informed as to why. But this whole time I was paying them for full coverage. Shady company. As soon as this is all said and done I will be dropping them and seeking legal counsel. This is outrageous, I’m paying for full coverage but apparently I only have liability coverage.

   Reply

4. Nicolas Jomolca says

   September 26, 2018 at 11:40 am

   With all due respect to the company, I can safely say that Gieco has screwed me over and – worse – has gotten away with it. Wanna know how they did it?

   About a year ago, August 2017, I bought a car that was around 10k. It was a black Cadillac. Nevertheless, before driving the car, I called Gieco and asked the representative if I should put insurance on the car, regardless of not having the title in hand YET, and she told me that I did not need to put insurance in it because I was covered under my parents insurance plan (for full coverage and crashes and collisions). She simply informed me to wait until I had the title at hand and then to put the same insurance that my parents had for their cars. She said that I would be “covered under my parent’s insurance under crashes and collisions so not to worry.” WHY DID I LISTEN TO HER? Probably because it was my first car purchase and I did not know what I was doing whatsoever.

   Later that week of purchasing the vehicle, I crashed the car in an unfortunate raining accident. As I told Gieco about it, they asked me if I was covered and I, of course, replied with a resounding “YES” along with the response that the prior representative had given me before driving the car. (I should have asked for her name before hanging up.)

   Long story short: I have been fighting Gieco and explaining my case to them for about a year BUT, finally stopped in the year anniversary of the collision this past August. From multiple representatives to supervisors, to whoever else they passed me (my case) off to, I answered the same questions and gave everyone the same story. NO ONE helped me. No loopholes, no games, I explained to every single person I got on the phone with for hours on end the EXACT SAME thing. It got to the point where they actually had me question my own story: what happened. Do they not say at the beginning of EVERY single phone call say (something along the lines of) “we record the phone calls for quality and training purposes”??? That went out the door when I asked them to look through the records and search for the only real proof of the conversation I had. They simply “could not find it”. It was “nowhere to be found”, HOW LUCKY FOR THEM (SARCASM). Want to know more? I sent them the Bill of Sale twice, and they “could not find any of the information I sent them.” Everything they asked me for, I sent them. The amount of things they asked me in hopes that I would change up the story is upsetting, vulgar and outright disgusting from such a prevalent and big company in our society.

   A little background from me: I was 18 when I bought that car and I was amidst going to college in an out-of-state school that cost me around 30k to go to annually. I had to turn down that offer, in turn, to get 3 jobs and then some to pay off the entire balance I owed for the car. I had so much going for me and now at 19, I have to work twice as hard to get it back. It took a year of my life away to save that money when I could have been working towards my future, education, and life. So many things I missed out on because I listened to that initial Geico Rep. Why did I stop after a year? Because I have no hope of Gieco ever paying me back for what they promised me. I’m tired of saying and doing the same things while expecting a different result.

   Gieco took advantage of my lack of knowledge, age, and ignorance. They do not deserve the highly ethical and well moral reputation they currently possess. It was such bad customer service; they lied and tried to find loopholes to save themselves from paying up. Not to muckrake the company, but you all should know my story to not ever trust them or any other company of similar status. Thanks for reading :)

   Reply

5. Donald C. says

   September 21, 2018 at 2:41 pm

   I bought an Auto Insurance policy yesterday from Geico. NO PAPER WORK, only emails for the quote and the confirmations. Reading those emails I find I had paid one month, PLUS one month in advance. The policy was to become effective in October. So I paid October and one month advance. Emails show the first premium due October. So three months paid in ONE months time? I called back to ask what happened and explained 4 times I had straightened this out with the sales rep.. I was told NO sir, you pay TWO months in advance and the email was not correct. The sales rep. NEVER used the phrase “Two months in advance”. My first premium was due in November. SO was it the sales rep. who lied or the Supervisor I spoke with the following day that said TWO months must be paid in advance? We got the mistaken email message fixed, I said OK I will go ahead. Can you believe it … after two days of this fiasco they caused, I was told I have a policy again, and the emails will follow. OH, by the way, you now owe an additional ten cents. TEN CENTS after a two-day ordeal? How ridiculous, Stay AWAY from Geico, seems no one there knows what they are doing, and one contradicts the other. That is no way and not any company to deal with. You see others here explain the same thing. You are told one thing and what you ACTUALLY get is NOT what they told you.

   * And this is exactly why I want all communications ON PAPER.

   Reply

6. A says

   August 16, 2018 at 1:45 am

   I’m so frustrated right now after being bent over by Geico that I don’t even have the patience to write this review fully.

   Here’s the gist of it:

   They increase your rates every year regardless of your driving history, location, age, etc.

   They try to pull you in with offered discounts, but they’re usually just minuscule offers that you’ll likely disqualify for anyway.

   If you read their FAQ, you’ll see how many people are asking why their Premium increases. Read their answer, and you’ll see that they justify their increase with a ton of vague factors that they’ll absolutely refuse to explain further.

   They’ll make a mistake when changing your policy through a phone call. After they catch the mistake, they make YOU pay for it even though one of their own representatives were to blame.

   Geico does not offer better rates than other providers.

   They take full advantage of those who are required to pay for full-coverage insurance because of a leased vehicle. You’re easy prey, and they know it.

   Some of the coverage you’re required to pay for is redundant and, therefore, completely unjustified.

   To give you my personal example with them (without violating their guidelines — I’d like for this to be published even though I’m 99.9% sure it won’t be) I have been insured for a new vehicle through Geico for 4 years now. In those 4 years, I’ve had no accidents (it says I’m a “Claim Customer” because I used them to repair damage to my windshield from a rock using Safelite. They were GREAT for that experience), am nearing age 30, no traffic violations, and have moved from a MAJOR metropolitan area to a small town in comparison. I have a white vehicle and have started using a FRONT and REAR dash cam that I informed Geico of in order to HOPEFULLY lower my premium.

   None of that mattered. Geico has STILL increased my premium every year. Last year, they increased it by $10 (keep in mind, this is after I moved to more of a rural area with much less traffic)

   How is this justified? It’s not, but they can claim those vague factors that are highlighted in that answer within the FAQ section. They aren’t required to share their algorithms or guidelines for pricing premiums. They can do whatever they’d like and simply offer you that vague, justification which does not require a proper explanation through hard data. They KNOW that you’ll likely renew your insurance through them when the time comes instead of shop around for a better quote. They know it’s inconvenient to shop around. They increase your premium just enough to irritate you, but not so much that you’ll drop everything and start hunting for better coverage. It’s their business practice.

   TLDR:

   Don’t insure yourself through Geico. It isn’t worth it.

   Take the time to shop around for the insurance you NEED (don’t let them talk you into anything extra)

   Get what is required by law, or what is required by your lienholder. Don’t let these snakes get fat off your hard-earned dollar. They’re no different than any other insurance company. Shop around, don’t rush into it. Read other’s stories/reviews and decide what the norm seems to be.

   I’m sure Geico likely cherry-picks reviews, so I doubt anybody will see this, so maybe I’ll post it on /r as well.

   Maybe it’ll save someone else from this irritation.

   Oh, and the Customer Service rep I was trying to explain all these facts to has decided to stop responding to my messages after she increased my premium by almost 20%.

   I didn’t intend for this to be so long when I started, but I think it’s better I provided so much detail.

   _____________________________________________________

   Here are the writing guidelines:

   Writing guidelines

   “We want your review to get published so please do not:

   discuss things that are unrelated to the product
   mention the specific price you paid for the product.
   include any personally identifying information, such as full names.
   If you have an issue for customer service, please e-mail us instead of writing it in a review.”

   I followed these guidelines and did NOT discuss anything that wasn’t somehow related to the product/experience that is tied to Geico.

   I did NOT mention the specific price I paid for anything — I merely mentioned the increase I had in one of my examples but did not mention the entire price. As a matter of fact, I described a premium increase using a percentage but did not disclose the premium amount.

   I didn’t include any personal information.

   While I did briefly mention my experience with customer service there at the end, it was not the basis for this review and, thus, does not disqualify me from making it.

   _________________________________________________

   Here’s to hoping they honor their own guidelines and post my review! I probably just wasted a significant amount of my valuable time and did not change a thing, but hey, at least I’m trying to do a service for humanity instead of sitting by while they milk us our entire lives.

   PS

   I had tried putting $0 as the amount saved by switching to Geico on this review page, but they won’t allow it with a message that says “Amount Saved by Switching to GEICO is too short.”

   I’m not even kidding. Gonna try “1”

   PSS

   1 doesn’t work either. I’m just going to put 500. Know that this amount isn’t valid for me, but they won’t let me post otherwise.

   –This is a copy/paste of the same review I wrote on GEICO’s site since I’m sure they won’t post it. I’d like everyone to know about this.

   Reply

7. David says

   July 14, 2018 at 7:27 am

   Well, I have had Geico for years. I am happy with all the coverage and rates. I am however disappointed at a change to company policy to stop accepting money orders to pay the bill. They don’t take cash and I don’t like paying for things online. A money order is a secured means of legal tender, more secure than personal checks. To make the customer get a pre-loaded visa card to pay a bill is absolutely absurd and inconvenient to the customer. When asked why the policy change, the representative simply stated their system doesn’t update the account fast enough to process the money orders and update the policyholder’s account. This is a fault of the company, not the customer, and so many other institutions accept money orders. I may have to reevaluate my long term patronage to this insurance company. Although I hate to do it, I am not going to be pressured into paying my bill in a way I am not comfortable with or that I have to go out of my way to make a payment to the local office.

   Reply

8. Chris says

   September 6, 2017 at 2:46 pm

   DO NOT GO WITH GEICO!!!!!
   Rear ended a woman on March 6th. Damage was centered on front left headlight and plastics surrounding it. Radiator didn’t even crack or leak and I pulled my truck forward and off the road before shutting it off myself. It being my first crash and insurance claim, my dumb ass released my truck to geico. BIG MISTAKE!!! Apparently 1 headlight, 1 fender a hood and bumper for an 05 dodge ram cost more than 10 grand when you let geico look for them. They deemed my truck a total loss and denied me and my father access to the trucks aftermarket stereo system and other parts I had on the interior, which is illegal after speaking to a lawyer. My truck was leased so I was required by the bank to have full coverage and gap just to make sure if I did crash nothing would come out pocket and the positive equity on my truck would be safe. The geico adjustor I was placed with refused to answer my calls and refused to properly document. Geico decided I didn’t have medical, on the day of the crash ONLY, and refused to cover the woman’s medical bill. So now one potential lawsuit and debt hole later, my adjustor, come to find out, has been changed and the new one has no idea how to get a hold of the original adjustor for questioning. THIS COMPANY WILL TAKE THE FIRST CHANCE THEY GET TO PROFIT OFF YOUR SUFFERING. DO NOT INSURE WITH THIS THIEVING SCUM POOL.

   Reply

9. Michael welch says

   February 24, 2017 at 5:00 pm

   I was insured with Geico and they suck! They put me on two different policies
   They didn’t admit they did that. Beware of geico they will screw with you. Beware!

   Reply

   • Jed says

     March 14, 2017 at 8:08 pm

     Geico is the worst insurance company out there. They never want to pay for any claims. I was with them for 6 years and had an hit and run and they said my uninsured coverage did not cover hit and run. Take your money somewhere else!

     Reply

     • Kosmo says

       April 3, 2017 at 8:20 pm

       In all fairness, it depends on your state that you live in. The insurance companies do not create uninsured motorist, it is a coverage created by the state. In the state of NC for example, in order to use uninsured motorist, you have to know who the person is and it has to be confirmed they uninsured.

       State of PA does not offer UPD and state of MD and DC it is offered but you have to get a police report in order to use the coverage.

       Reply

       • Jeff M says

         July 13, 2017 at 9:46 am

         No insurance company will pay or activate your uninsured motorist coverage unless you are able to identify who the uninsured person is (for example, by license plate number). Once that information is provided to your company they will verify that person has no insurance and if that’s the case, then your uninsured coverage comes into play. It’s the same at [Redacted] insurance where I used to work as a claims adjuster.

         Reply

     • Jean S says

       August 15, 2017 at 6:41 pm

       Agree. Their client turned in front of my brand new car. Police report states clearly he was at fault and they want ME to pay 15% of the damages using after market parts on my car with 5,000 miles. I’m taking them to court. GEICO IS THE WORST! Does anyone have a success story regarding taking them to small claims court? I hope I have a sympathetic and informed judge about how bad Geico is.

       Reply

       • Angel Shining says

         August 16, 2017 at 8:52 am

         Get a lawyer and it will not cost you anything, they take a % out of what they win. My son was hit by a drunk driver and they left the scene so he has a lawyer to figure it out, with this situation I would get a lawyer to figure it out, that way you are taken care of. My friends son had a similar situation with State Farm and he was actually paying for his own rental till I sent him to the lawyer my son is using and the lawyer was like –no way, I will have them pay all that and he reimbursed him for what he spent already on the rental.(his car was totaled) (my sons car too) Don’t try to argue with these companies on your own, you need someone that does car accidents every day.

         Reply

       • Alexa says

         November 6, 2018 at 8:23 am

         I would love to hear how taking them to court went. I recently had an unfortunate tangle with Geico as well. I switched to Geico insurance after moving to a new state. Following the move, my husband was hit by a driver who ran a red light and my car was hit by someone while it was parked outside our house. Both parties cooperated and repairs went through the other drivers since they were at fault. Geico then terminated my policy even though neither accident was my fault and I had filed police reports and had followed all proper channels. They are scam artists and I am trying to figure out if it is possible to get this corrected. It is a shame that they penalize the victims involved as well.

         Reply

10. Angela says

    November 9, 2016 at 1:01 pm

    I have a policy for a few years. Had an accident where a lady slammed into me and slid me across a parking lot causing $10,000 in damages to my new car. I hired an attorney due to the other insurance denying liability. I pay extra for PIP also. I had the accident in may of this year and still haven’t received my payment from my PIP policy. My attorney has called and emailed the adjuster and her supervisor multiple times and no response. I pay my policy every month and this is how they treat their policy holders?

    Reply

11. glen walters says

    May 27, 2016 at 10:34 am

    insured 9 cars with geico for over 8 yrs, just to be canciled because geico says I buy and sell cars, I don’t have a tax number with texas, all my car titles are still in my name, I live alone and can only drive so many cars at a time and choose to insure my cars when needed. I have zero accidents and never filed a claim for any reasons, im just like all Texans with forced liability insurance with the state and insurance companies in bed together. so I am now canciled for selling cars, what a lame excuse

    Reply

    • Bridget says

      August 4, 2016 at 11:08 pm

      I have been a Geico customer for years. Geico has gotten very expensive. They will raise your bill within a couple of years for no reason, even when you never had an accident. Don’t get Geico

      Reply

      • Kosmo says

        April 3, 2017 at 8:25 pm

        It is a bad perception to think that rates raise only for accident, there is actually a methodology that goes into it. you cannot have an accident in your life and still see rates increase and that is most likely because of external factor such as the area you live in, your zip code.

        For example if you live in a very busy area where a lot of accidents occur in your area you could see an increase because you live in a higher risk zone because of it, and statistics are not in your favor. Also for people who live in areas that experience things such as flooding and hail will see an increase as well.

        Reply

12. Lisa Mitchell says

    May 8, 2016 at 8:44 am

    Geico is by far the worst when it comes time to pay on a claim. I had wind rain storm damages to my home / roof & Geico denied my claim. So I’ve been paying over $1300.00 a year for mobile home insurance to ONLY find out my ins is no good ! But Geico wants their payments on time every year.I will be getting a lawyer on this case now.Sad thing is I have all my cars,truck,motorcycles & home with Geico … not much longer …. waiting on Monday 9,2016 from my lawyers …

    Reply

    • Angel says

      November 16, 2016 at 7:06 am

      Go with Nationwide, they are very good.

      Reply

13. frank fanelli says

    April 16, 2016 at 5:26 am

    although I have never had the experience of going through an accident with injury’s Geico is not the company you want to experience your first time with. the other people were at fault woman went through stop sign her insurance State farm was better serving then my insurance (geico) .Geico only pays pennies on the dollar to medical providers ,one thing you don’t want is a doctor treating you who is pissed off knowing that there services will be denied or paid pennies on the dollar. You would think that should not matter but hey the doctor is in business and has bills to pay as well. Here it is 10 weeks from the date of accident and I have received $100 per week for lost wages from geico and I am spending $50 to $60 dollars a week on gas and tolls going to doctors and physical therapy the rest I am going to buy a hotdog to feed my wife and I for the week. Geico does not care about you just there own bottom line sadly enough I didn’t research them before I switched .Hope you research this information before switching it will save you grief down the road no matter if the accident is your fault or not. You would think that your insurance company would talk to you and advise you on how to get through this ordeal and show a little compassion wow was I wrong. My advise to anyone with geico or that is involved with geico in any way HIRE A LAWYER GOOD LUCK

    Reply

14. Amanda Alvarado says

    February 18, 2016 at 10:11 am

    Geico auto insurance for over 15 years and I have never filed a claim .
    I was waiting for the red light to change when a car rear ended me. The person who hit me make sure that I was ok and gave me a copy of her policy and drivers licence of which I took a pictures. I took pictures of the damage of my car and hers. Due to the fact that the accident was minor I did not contact the police. The other party that hit me has Geico auto Insurance. Geico claims that they are not able get a hold of the person who hit me, therefore, they cannot help me. Their only suggestion is for me to use my colllision coverage for have my car fix. My deductible is $500.00, which I need to pay before Geico can fix my car using my policy in which case my Insurance will go up.
    I want to make sure that people know how neglegent Geico is when handling claims, they are not there to represent you they are looking on how to save money for themselves.

    Reply

    • Angel says

      November 16, 2016 at 7:14 am

      Amanda—your inusrance SHOULD NOT go up if you were not at fault and many insurances even have accident forgiveness built in should you be at fault, Nationwide and All State…..this guy on this page is saying Geico is cheap and affordable despite all the complaints but WHO THE HELL CARES if they are no good…….Call up Nationwide or Allstate , I have a $250 deductible and not much difference between the monthly premium of that and the $500 deductible……..

      Reply

      • Mark Cumings says

        January 19, 2017 at 9:42 am

        I have Geico and have had for many years. I had a drunk driver run me off the road then stop and drive back into my car twice. When police arrived he was arrested for no license, DUI and he didn’t have insurance. I had to use my uninsured clause in my policy. I took my car to a Geico partner garage. I could tell immediately that the garage is incentivized to minimize the repair cost. ie… [Redacted] the work for cheap then split the savings with Geico. During next policy renewal they raised my rates.

        Reply

    • Lindsi says

      December 14, 2016 at 7:26 am

      They are doing this to me right now! I even contacted the police and because their client lied and said she never hit me after taking off, they are siding with her. I even had the policemen call geico and they recorded his statement in which he tells them he found my paint on their car and physical evidence they rear-ended me. I also gave them texts from their insured talking about the estimate how she wasn’t going to pay the amount the estimate states for damages, but because it doesn’t clearly say ‘she hit me’ in the texts, Geico is saying it eludes to an accident but is not clear evidence. They are sleezy, crooked and it still baffles me they can do this over and over again and get away with it! I was the one hit and I’m having to prove my case??? I have never dealt with a more corrupt company!!!

      Reply

    • Jeff M says

      July 14, 2017 at 8:17 am

      Regardless of accident circumstances and how obvious fault may seem, both companies have to speak with their drivers before liability can even be assessed. In that case, each party may use their own coverage to fix their cars and once fault is determined, the at fault insurance company will reimburse the company not at fault. This is standard procedure. By law, insurance companies are given 30 days to get a hold of their insured. After this time limit is reached, the company can then decide to accept or deny liability based on the evidence provided. Unless there are photographs, video, and/or witnesses to what happened, it is not likely a company will accept liability without having spoken to their driver to get their side of what happened. This was the same at [Redacted] Insurance where I used to work as a claims adjuster.

      Reply

      • Angel says

        July 14, 2017 at 8:46 am

        Not true…..switch to Nationwide people and get a lawyer to go after Geico….I have heard they suck by so many people…..also all of you should complain to BBB so people are aware they suck.Another idea because they’re so many of you class action suit against Geico…..

        Reply

        • Jeff says

          July 15, 2017 at 6:29 am

          It is true. I handled claims for many years with another insurance company and negotiated settlements. This is how it works.

          Reply

          • Angel Shining says

            July 15, 2017 at 11:04 am

            I was hit in a parking lot by a hit and run , no cameras to show what kind of car but white paint on my suv, so they had no one to talk to , my car was covered…….insurance in America is all a scam anyway, if you go overseas, pennies on the dollar and they use the excuse here there is so much traffic, thats why, thats crap, drive in India or Mexico, their insurance is cheap and have way more people then we do on the roads……..

15. Joe says

    October 16, 2015 at 7:28 pm

    Had an accident with a Geico customer. She claims it was my fault. She ran a red light. I had a witness who saw it. I filed a claim with geico as the officer instructed me to. It has been two weeks now and absolutely nothing has been done. They claim to not have received the incident report yet. What a joke. Incompetence at its worse. When will it end. I dread going through the proces when it finally goes through.

    Reply

    • Jeff M says

      July 14, 2017 at 8:21 am

      Insurance companies are allowed 30 days to get a hold of their driver to get their side of what happened. Unfortunately, it’s not uncommon for people who are at fault to avoid talking to their insurance company. Two weeks is still within the allowed time frame and as a former claims adjuster, sometimes you only have time to make 1 call attempt to speak with the person in a day. If they don’t answer the phone, it’s on to the next one until you have another opportunity to try them again (which may be several days later). It is frustrating though.

      Reply

16. Brian Weaver says

    August 16, 2015 at 12:37 am

    Been with GEICO for 7 years, had an accident in 2014, my fault, filed a claim and everything was taken care of perfectly.
    Had an accident in May of this year, had a police report stating the other driver, insured by Esurance, was at fault. Claim went into arbitration, was strung along being told the chances of getting my deductible back looked good since there was a police report, 3 months later I get a letter stating that GEICO was closing the file on my claim since neither GEICO or ESURANCE “failed to prove liabilty”
    Rates are great but I’ll pay more to another company that does their job and looks out for their clients.

    Reply

17. vincent distefano says

    August 2, 2015 at 11:23 am

    I am a policy holder for 61 Years with GEICO I am at a point where I see my policy goes up up up I am wondering if the longer you stay the more you pay I am a safe driver no tickets taken the drivers course my creidt is very good and still pay high ptemiums I even pay my payment s by useing EFT hard to belive i pay high price I have one 2003 Toyota and a 2015 Lexus still no brake called GEICO and was told i was getting the best price I checked around other companies are less Im looking and waiting for my new premium to arrive ONE other I also get charged 1.00 for each payment i make on my EFT out of my chesking account not to Swift.

    Reply

18. Don A says

    May 26, 2015 at 9:22 pm

    I had a Geico customer back into me in a driveway with mainly front bumper damage. I had a quote done for him and he decided to turn it over to insurance as the quote was above 1100.00 dollars. I had to get Geico to do an estimate and theirs was 849.00 but they wanted to use aftermarket bumper and headlight. I did not want aftermarket parts on my 3 year old car. So in order to get OEM parts I had to pay for them.
    If I had Geico insurance I would change as fast as I could. Don’t like their practices nor the person I spoke with because they were going to use the cheapest parts or maybe parts from a junked car to fix mine. It is in their contract that they can use anything they want to repair your car. Would not trust them nor use any body shop they recommend.

    Reply

19. Connie Dugue says

    April 16, 2015 at 12:51 pm

    My husband was parked and was hit by another car. While the other insurance dragged their feet Geico started WORKING WITH US immediately to get our car fixed and since I have a 500.00 deductable but am on a fixed income so did not have it on hand they worked with us to get everything done and not worry about the deductable . I love the way they took control and took a lot of the stress from us. I will never have another insurance.

    Reply

20. Beth says

    March 31, 2015 at 5:12 am

    Customer 20 yrs! Excellent driving record and payment history, no collision or comprehensive claims, (2) windshield replacement claims (AZ resident having full glass coverage/no deductible), and only carry 25/50 with $100 deductibles
    I did deal with a few not at fault claim repairs long ago, with great customer service, no complaints until…

    4 yrs ago added a home, underwriters-American Strategic Ins (ASI), 3rd yr policy 12/1-11/30 cancelled 4/4 for non payment, scheduled assigned payments (not allowing monthly payments), paid but for a slightly less amount which changed 4/29 payment date to 4/4. Phoned 4/7 to make another $200 payment fulfilling $600 of $950/yr premium and was informed policy already cancelled w/o reinstating (should have reinstated or refunded $50), which now leads to…

    GEICO, who said no problem will just rewrite a policy with different insurer more lenient/suitable with payments (fixed income on SSDI), the policy dated 4/8 placing a lapse with $150 charge added by Foremost underwriters, (also placed additional lapse unjustly and removed it when I submitted proof from Verisk (underwriting intelligence for ins company inquiries…had to request personal property disclosure from A-Plus Customer Inquiry Center and lastly should mention my credit score is 795, ins score is 830.

    Geico is my agent for HO and this is what they did for me!!

    Now Geico has increased auto policy $45 due to area rate increase and suggested I complete defensive driving course online to get a discount of $41 each 6/mo policy.

    It is such a racket of greed and lies.

    A local agent has found better coverages and rates with Hartford and Geico told me my only option was insuring home with Stillwater, which was $30 higher and worse coverage.

    Reply

21. Rene says

    March 18, 2015 at 8:26 am

    They are the worst, you tell the to take out money a surten day and Geico will take it out when ever they want to, messing up my account , they just say sorry and do it again. They have also coast me over 300.00 dollers , for saying I did not have insurance when I did. The only reason I left my other insurance company is because I could not afford them, but now that I am back on my feet I will be going back. DO NOT USE GEICO they will screw you over big time.

    Reply

22. Steve Falkowski says

    March 13, 2015 at 3:42 pm

    America ! Buyer Beware. I can say first hand you will save switching to Geico but what are you saving by a company that denies your claim . My switch to save cost my family plenty. It is a mission for me to pass the word about this horrible unethical company .

    Reply

23. Steve says

    February 8, 2015 at 10:55 am

    Someone broke into my car cost GEICO 387.00 after my deductible was paid to repair the damages my insurance went up 300.00 every six months 600.00 a year higher because they had to pay out 400.00 for a non fault claim. I have not had an accident or claim in 20+ years I have not had a ticket in 18 years. I dont know what you call this but it sure is not insurance its pure theft IMO…

    Reply

24. LANA BUI says

    February 2, 2015 at 2:17 pm

    My family and I have been auto and home policy holders for over a decade. This treatment and inability to resolve the situation is unacceptable.

    I called Geico claims to see if my premium or account be affected in any way if I made a claim about some minor damage that had occurred to my passenger’s side door. The representative ran their “Accident Evaluation Tool” and deduced that my premium would not change and that no accident would be placed on my insurance record.

    I went ahead and filed a claim and took the car to the collision center. The claims adjuster told me that a sealant would fix the issue, but he decided to replace the door and the side mirror as well. I honestly do not understand why he replaced the side mirror as there was absolutely no damaged to the mirror. He failed to tell me that by doing all this work, the cost to repair door would become over $1000, resulting in placing an “at fault accident” on my insurance record and Geico charging me roughly $240 more to my premium.

    The claims adjuster made unnecessary repairs to my car, chose a more expensive option when there was a cheaper alternative available without an explanation as to how it would affect me, and as a result, I have been unfairly charged for the past year and an at fault accident has been placed on my insurance record preventing me from getting a better deal at another insurance agency.

    Reply

25. Jessica says

    January 28, 2015 at 7:44 pm

    Be careful with this company. I had an auto policy with Geico for over seven years. I thought things were going well until I tried to get another insurance. I was then told by an agent with another company that there was a dink on my history with Geico. It appears that the nick I put on a van door parked next to my car costs approximately $600 to repair. The wind had caught my car door and it banged the van next to me. I was still holding onto the door but the wind was strong enough to push the door. I then immediately took a picture of the dink and let the van owner and Geico know about the dink. That was back in 2011. Almost four years later I learn that the van owner took the van to a Geico adjuster that authorized the $600 repair. The picture of the damage I have just been told was not to clear. The Geico customer service person could only determine that the dent was two quarters long above the door handle–really, I mean really! The nick I put on the door was shorter than a dime and was well below the door handle. Tell me how could a door on a Ford Freestyle swing out and put a dent above a the door handle on a large Econoline van. I don’t think so. The Ford Freestyle is just too short to do that. Anyway, I do not consider this to be the company I wish to do business with. My premiums are higher than they should be thanks to stupid Geico. If you are looking for insurance, it might be worth your while to shop for a smarter company than Geico.

    Reply

26. Jeff Foster says

    November 14, 2014 at 3:09 am

    I was a GEICO customer for 22 years. Recently, my car was damaged by flood while parked at BWI. They covered most of the flood damage, but they refused to cover damage to my dashboard that occurred either when my car was towed by BWI parking during the flood, or during the repair to the flood damage. They told me the damage was already there and I must not have noticed. Like I wouldn’t have noticed–it was blatant. Or, maybe that’s code that they thought I was lying. I don’t know. The supervisor was awful. Never returned my call. When I called again, he finally called back and left a voice mail that he’d be happy to talk to me, but nothing would change. Thanks. Nice customer service. They treat a 22-year customer like that to save shareholders .1 cent per share. Good bye, GEICO.

    Reply

27. ussanmay says

    August 18, 2014 at 9:53 am

    DO NOT SWITCH TO GEICO! So I get a quote from Geico, pay them money, they send me a policy and insurance cards…then 1 week later, their underwriting department calls me and says there are changes to my policy that will increase my policy by $350 per MONTH! I told them to cancel me immediately. This seems like it should be illegal. BAIT AND SWITCH!

    Reply

    • ussanmay says

      August 18, 2014 at 9:55 am

      OOPS…meant increase my policy by $350 every 6 months from their original quote.

      Reply

28. Ashlee says

    July 21, 2014 at 3:24 pm

    I was a Geico customer for 3 years and never had a problem until recently. My boyfriend and I are planning on moving in together at the end of this year. I thought I would be proactive and get a “quote” for adding him to my policy since when we live together he most likely will drive my car on occasion. Right now we see each other a couple times a month due to conflicting work schedules and living over an hour from each other, I explained this to Geico. Geico went ahead and added him to my policy, it went from $200 to $300 a month. They said because I know him and he has an accident on file they had to add him. In the state of Massachusetts the only people required on your policy are people that live with you. They told me to fax 2 documents with his address to prove he doesn’t live with me, after faxing them, they put me on hold for 10 minutes. After the extended hold, they told me no they wont take him off and i have to provide proof of him having his own car insurance. He doesn’t have a car, so he doesn’t have insurance. Geico’s advice: “Then we suggest you find a different company to insure with.” After informing them I will gladly go else where but that I will be filing a report to the Attorney General’s office. They have now blocked me out of my online account (i do everything paperless with them), and when i called to say i was blocked out, they said they were too and didn’t know when I would be able to access it again.

    Reply

29. carol says

    July 16, 2014 at 6:20 am

    Ive been looking for a different Insurance company and got a great quote from Geico. After seeing so many negitive comments I am leaning more towards the Allstate quote which is higher.

    Reply

    • Rebecca Bayless says

      April 30, 2015 at 10:53 am

      I had auto coverage with Geico for YEARS!! In the period if about 5 yrs, I had 2 claims , neither if which were my fault! They had their adjustir at my cabin w/ in an hour, he verified everything, took pics, etc. and by 4:30 that SAME AFTERNOON, I had about $2,000.00 iny account!!! Next claim, same thing! My rates w/ them , NEVER increased! I only switched companies, because of a drastic drop in my monthly income!!! Now- I want them back!!!! This is an AWESOME COMPANY!!! Gecko, or no Gecko!!!

      Reply

      • frank fanelli says

        March 18, 2016 at 11:58 am

        well I have a different story I have only ben with them a short time .I too had a claim which was clearly the other parties fault ( a person ran a atop sign and was cited by police for doing so).I have some injuries and unfortunately did not have collision on my truck but do on the wife’s car . Geico did nothing in the beginning did not advise me on procedure or how to claim from the other party etc. It happened on 02-09-2016 and lost wages are supposed to be paid when injured and unable to work by geico as of 03-18-2016 I have not received a penny tough when you live pay check to paycheck then I find out that Geico will pay me less then 45% and I have to file paperwork through n.y. state disability to retrieve the rest to get to the 80% I am supposed to get .you think they would have told me ,now the paperwork is late and they will not cover retroactively so I will be lucky to see anything from them in May if I am out that long God willing I can go back to work sooner and cancel Geico asap.

        Reply

30. Brian card says

    May 14, 2014 at 2:57 pm

    Geico is horrible their driver hit me I was waiting to turn sitting still. They admitted 100 pct fault yet almost a year has gone by and they continue to use every loophole allowed within the law to delay

    Reply

31. Joe says

    May 14, 2014 at 7:33 am

    The savings aren’t worth it. My car was totaled by another driver and I have to fight with geico to get fair value of the car. They do next to nothing to help with the claim one of the worst experiences I have had.
    Don’t use geico.

    stats
    2011 Toyota camry couldn’t find comparable same mileage and model for under 15000
    geico offered me 10700 trade in value at dealership is 13000

    Reply

32. Jane says

    February 16, 2014 at 3:29 pm

    GEICO’s computer system failed and as a result, I was charged twice for my policy. Because it is the weekend and everything is still pending. They told me that there was NOTHING that they could do about for 3-5 days. I am overdraft now because of them. I have to wait until my statement comes in then fax it for them to credit my account. Absolutely ridiculous that I have to wait almost 5 days to get my money back. I am a college student with limited funds and now i have nothing for 5 days. They were so careless. Horrible service!

    Reply

    • lora Johnson says

      March 25, 2014 at 8:46 pm

      Last night I filled a claim after an animal ran out in front of my car and totaled the front bumper.
      I called Geico and spoke with a man named [Redacted] who was very friendly when I asked what my coverage was he told me it was covered and there would be no deductible.
      So today the adjuster that came to look at the damage & informs me that there is now one. He then tells me some one would be calling me shortly after there meeting. No one calls!!
      A supervisor by the name of [Redacted] calls me after I inquired with a sales rep earlier.
      He was very rude and careless and hung up on me. Horrible horrible the way Geico does business and shows no concern for there customers whom I’ve been a loyal now customer for 4 years + . Geico is unprofessional, misinforms customers, lies and does not keep there word.

      Reply

    • Tatyana Bondari says

      October 2, 2014 at 12:43 am

      I had pretty bad experience my self with Geico. Ive been costumer for over 4 years. First time in more then 4 years ask for road side assistance. My cars motor exploded, I had 8 more miles to drive. They did not help me with that. Connect me with dome rude truck driver that snapped at me that I need to pay him immediately. What a joke. I was so upset and scared. I mean I am on 285 west. Those semi truck omost hit the car with me in it. I had to call 911 for them to send police car. I was so scared. [Redacted].

      Reply

33. Maryanne says

    January 30, 2014 at 4:04 am

    Say NO! to Geico!!!!! My husband was in an accident and they are so awful. The adjuster is not expected to come see his car for 2 or 3 weeks. He says he is working 14 hour days 7 days a week. Our car doors are open and in the elements, will they fix the mold and muck that will gather from rain or snow? I was in the process of looking into another company when this happened. I previously had Progressive and loved them!!! I will go back for sure, in an accident situation at Progressive we weren’t hit with a voicemail system that kept looping. I am a union member and like to solicit recommended union vendors but this is too much! No care, No compassion, No service! Good going Geico. The saddest thing is I know our car is totaled and would like to move on but I have to wait for someone to tell me this!

    Reply

    • RN says

      October 16, 2014 at 9:38 pm

      After four years with Geico I think it’s time to move on. I never filed a claim was in a 4 car fender bender they took my car to a shop where the shop quoted am insane price to fix $72 an hour etc ..I did not get fair value for my car at all.. No help .. Customer service from the adjuster is horrible .. [Redacted] is rude the worst she might as well work for the other person … Definitely time to switch back to Allstate … Good bye Geico

      Reply

34. Gloria says

    January 22, 2014 at 12:29 pm

    Disappointed the way my claim was handled:

    1.My car was picked up from the scene of the accident 5 days later. Accident happened on the Dec 17th-Car was picked up on Dec 23.
    2. The day it was towed I had to wait for 1 hour for the truck to arrive.
    3. The authorization to repair was given to the shop 3 days later (Dec 26th)
    4. I returned the rental car promptly one month later, but as a result I have been for the last five days asking my friends and relatives for a ride. Geico did nothing to help me.
    5. After all of these disappointing situations, you are “rewarding” me by increasing my premium.

    I am expecting Geico to find a way to work something out to increase my satisfaction as a customer; otherwise, I will have no other choice but to look for a different insurance company.

    Reply

35. Fred "Mickey" Finn says

    November 29, 2013 at 2:30 pm

    An Allstate sales person called my home 3 x’s offering a RATE SAVINGS. I gave him my exact coverage –

    Here’s my return email.

    DENNIS – I APPRECIATE YOUR THOROUGHNESS, EFFICIENCY AND FOLLOW UP.

    UNFORTUNATELY YOUR QUOTE DOESN’T COME CLOSE TO BLOWING GEICO OUT OF THE WATER.
    FRANKLY YOU SHOULD SWITCH TO GEICO AND BLOW ALL STATE AWAY. JUST SAYIN’!

    CHEERS!

    Reply

36. James says

    November 27, 2013 at 9:04 pm

    We had a not a fault claim and were told by the adjuster that our deductible would be $250. We had our vehicle repaired and when we picked it up the deductible was $500. GEICO admitted that it was their mistake; however they would not honor the $250 quote we were given. Also, we have full coverage and rental reimbursement was not included on our policy. The rental car company told us that insurance companies deliberately do not include rental reimbursement because they don’t make any money off it. So beware. I would not recommend GEICO as an insurance company, and am looking for quotes elsewhere ([Redacted] looks good).

    Reply

    • Morgan Mundane says

      March 19, 2014 at 11:24 am

      When you fill out the online app it clearly ask if you want rental coverage insurance and there is an asterisk that takes you to a webpage explaining what this coverage is and the limits to the coverage per day.
      If you wish to have it you select it and it is added to your costs. I didn’t need it in that I have two cars.

      Reply

    • Bo Lee says

      November 28, 2015 at 1:11 pm

      They do offer rental reimbursement. But like every other insurance company, it is part of your premium. It is an optional expense that you have to sign up for. That is every insurance company.

      Reply

37. Thutmose Janic says

    November 14, 2013 at 6:40 pm

    My car was broken into for the second time in less than 90 days. I had to pay $1000 the first time it happened, so when it happened again, I knew it would cost me about the same. GEICO picks up the car over the weekend and then they are calling me for an authorization. I tell the on site rep I will not have the monies for a few weeks, he can’t handle it, call GEICO. I call GEICO, they tell me talk to the body shop. Body shop says, you will have to pay $25 a day for storage and then they say we usually charge you $50. Then I call [REDACTED] supervisor for some help, he tells me GEICO did nothing wrong. So, I am telling him it was never explained the cost to keep the car if I could not pay. Some background, the first time this happened the shop was busy and it took over two weeks for the work to get done and I had to wait and they extended the rental time. This time the shop is slow, so they are rushing my claim through to get paid. And here is my problem instead of you cyborg [REDACTED] seeing everybody as a dollar bill, take a minute and listen to people and explain what is going on. I already told them, make it right or I will be gone from GEICO. I will also post to any social media that has an outlet to voice my perspective. I may even start a blog, you can’t rush me, I am the customers.

    Reply

38. Rocky Burgess says

    October 11, 2013 at 6:26 pm

    Geico left my wife stranded and only handles claims m-f 8 -4:30. Their driver turned into on coming traffic causing an car to clip them and spin around and hit my wife. All they can say is file a claim with your insurance and they will collect from us. Or wait till Monday. Never buy insurance from them. They will not be there for you when you need them.

    Reply

39. Jason Kustra says

    September 28, 2013 at 8:54 am

    I recently had to file a claim with geico insurance as my vehicle was broken into and all of my identification and vehicle ownership documents were stolen and I have full coverage insurance and here it is that it’s against the law to drive a vehicle in any state without the proper documents for the vehicle and now I’m being told to go pound sand as geico is refusing to assist me with the replacement of these documents as there is a police report filed and even the offer of a reward for the return of these items . I feel like I’ve invested my money in a fraudulent insurance company and the one and only time that I ever needed the assistance to get back to where I’m driving my vehicle legally with all of the documents for this vehicle that they ( geico ) have really let me down. I really must say that the insurance industry has really become a BIG money SCAM operation and I would never again go with an insurance company that is only out there for the MONEY and not out there and in business for the customer, so in the end I state to you geico ” your insurance company service rating really sucks and I’m gonna come for my claim pay out check ” and yes I think you can pretty much well tell that I’m upset with what they(geico )said about my claim. Thank you , j.g.kustra

    Reply

    • Morgan Mundane says

      March 19, 2014 at 11:38 am

      Everything changed with the so called No fault laws years ago. I run into you, your at fault for being there and I’m at fault for hitting you so what happens. My company takes care of me, your company takes care of you and both find ways to inch up your premiums so they get their money back.
      Only if their are injuries does this change. Then the insurance companies go after each other in court as to who really was at fault and who is paying those medical bills.

      Reply

40. Dylan says

    February 24, 2013 at 7:43 am

    If you were a better driver they wouldn’t complicate your life. Everyone claims that they are not at fault yet when all the facts are weighed they played some role in the accident. Your own insurance company isn’t going to be cozy and warm about this if you are found to be partially at-fault. All insurance companies set rates based on the quality of the drivers on the policy. Good luck with this. The Arbitration Board also considers your actions and they are also not cozy and warm. They are honest.

    Reply

    • Barbara says

      May 24, 2014 at 1:20 pm

      Please explain how I was at all at fault when an 18 wheeler truck reversed into my vehicle while stopped at a red light… with a line of traffic behind me and AMPLE space between us, he just backed up. Even the police officer who witnessed the accident wanted to know why the truck driver didn’t look back before reversing. [Redacted]

      Reply

41. deneice says

    December 6, 2012 at 10:20 am

    i simply asked for a “quote” on the price to add someone to my policy. they added this person without my consent. now i have to pay almost $300 for what? a quote does not confirm a policy. im changing insurance companies. they will not even take the new persons name off unless i show proof of other insurance for said person, which i have to fax to them. get that! geico has lost me for good.

    Reply

    • Lee says

      June 19, 2013 at 11:33 am

      If they are in your house hold, have a liscense, and no car of their own, then the presumption of accessibiity to your car may be what is driving the automatic coverage{addition} to your account. I believe that folks in your HOUSEHOLD do have some insurance protection even if they are not in your car when an accident occurs.

      Reply

42. David says

    November 17, 2012 at 1:47 pm

    GOT MY GEICO SHOCKER… After 20+ years with American Family I switched to Geico… I did massive research to try to avoid any gotcha’/surprises… spoke with agents at length before I decided to buy… I accepted my 6 month rate… was pleased, except when my daughter got in a $1,100 accident (total)… my rate went up 20% in the MIDDLE of the same policy term! I expected my rate would go up when my policy renewed, NOT in MID policy!
    “Caveat emptor” – Buyer Beware! Hopefully, you may now be better informed.

    I may not have been so frosted about this if someone may have advised me, saying “When you buy with Geico, although you may get an initially lower rate, your insurance policy will immediately cost more, when you get in an accident and you’re a new customer.”

    Reply

43. Dona says

    November 16, 2012 at 11:38 am

    GEICO is HORRIBLE!! My car was totaled in Hurrican Sandy and Geico did not offer me fair market value for the car i lost. we went back and forth to no avail, they sent numerous inspectors and are still jerking me around. I would NEVER get another Geico Policy nor recommend Geico to anyone. to date, i am still not settled. you ROT geico!!!!

    Reply

    • Lee says

      June 19, 2013 at 11:38 am

      Sounds awful an ordeal but without some details/facts [Year of the car, mileage, offer, your take} it could also sound like sour milk that you are asking us to swallow.

      Reply

44. jennifer says

    October 23, 2012 at 6:54 am

    Thanks for correcting Clotide. You may have a good driving record but not everyone does. With insurance you are paying into a pool and when claims happen its paid out of that pool. Its also like you mentioned where you live has a factor, along with a multitude of other factors. Cost of living goes up and so does insurance.

    Reply

45. Clotilde Olivares says

    September 22, 2012 at 8:02 am

    I think is “RIDICULOUS” that I was charge $11.98 for a change of address. And “Y” is my policy going up? I’m a safe driver. No tickets!!!! The reason I switch to U, from my previous insurance was for the same reason. I am not happy with the changes.

    DISSATISFIED CUSTOMER!!!

    Reply

    • Eric Stauffer says

      September 23, 2012 at 9:56 am

      Hi Clotilde,

      It is very common for insurance rates to adjust when you change your address. The reason is because the location of where your car is primarily stored is a big factor when calculating rates. Some people see decreases, but unfortunately some see increases too.

      Reply

      • Lee says

        June 19, 2013 at 11:41 am

        I changed address (Fom NYC to Albany, NY) and after anticipating still having to make additional payments, received a large refund. Location, Location, Location.
        So while you are not happy, te could be a brighter siide in that would be unhappy if you had to pay and additional $250.

        Reply

    • Morgan Mundane says

      March 19, 2014 at 11:43 am

      Many moons ago I got out the Navy. Moved three blocks to an apartment waiting for a job opening. My insurance went up 60%. Found out I have moved into the majic insurance circle that said I was a Chicago driver now and not an outstate driver.

      Reply