I bough my certified 2006 Mercedes C280 from Mercedes Benz of White Plains dealership on May 24th 2007. I insured my car with Geico effective May 24th, 2007 to November 24th, 2007. I paid $465.40 for six month policy on May 23rd, 2007 which includes BODILY INJURY LIABILITY, PROPERTY DAMAGE LIABILITY, BASIC PERSONAL INJURY PROTECTION, RESIDUAL MEDICAL PAYMENTS, SUPPLEMENTARY UNINSURED MOTORIST, COMPREHENSIVE, COLLISION coverage.

I got into a car accident on June 3rd, 2007. Geico has denied my collision claim and has informed me that my physical damage coverage has expired on June 1st (in just one week) since I have not done a vehicle inspection on the car. I bought a Certified Pre-owned Mercedes from Mercedes Benz of White Plains dealership. When I signed up for my auto insurance policy by calling the 1-877-206-0215 Geico phone number, the customer rep informed me that I need to complete the vehicle inspection within 2 weeks time (which ends on June 6, 2007) and did not mention anything about my physical damage policy expiring if I did not complete the vehicle inspection in the timeframe. I have reviewed the policy documents Geico has mailed me and it does not mention anything about vehicle inspection time frame and suspension of my collision coverage. I have not received any documentation from Geioco stating that my physical damage coverage has expired for not completing the vehicle inspection either.

As I have previously stated that I have paid for my Geico auto insurance policy in full when I signed up for service and now Geico is denying my claim for collision coverage for the accident on June 3rd, 2007. I would appreciate your assistance with this matter and request Geico to pay for the claim as per my auto insurance policy.

Thank you,
Dhaval Patel