I would like to add my name to the long list of people who have complaints against Geico. Looks like they will do anything possible to avoid paying a legitimate claim. The money they save by not paying many claims will surely cover the expense of those stupid commercials.

My husband and I were insured with Geico for almost 20 years. We had our first accident a few months back and they had to pay for a replacement for the wrecked vehicle about 2700.00 minus the 500.00 deductable. Then when pulling out of a store, another truck hit us in the back and even though Geico was investigating this as a fraud case, they had originally paid him 300.00, just so they could close the case. In so doing this, it went against our insurance, even though we called and informed Geico of the incident, stating we were not at fault, and the agent at Geico clearly said not to worry, our rates would not go up and they woould check into the incident, Geico still paid the 300.00 and because of this they decided to raise our insurance rates from around 600.00 every six months to almost 2700.00 every six months. Geico is not allowed to drop you, unless they pay out more in claims on you, than you have actually paid in your premiums over the length of time you have been insured with their company, but you are not protected from the highest premiums they can charge you. I had heard lots of horror stories about Geico doing this to customers, but because we had never had any problems with Geico, I chose to stay with them. I wish now I had taken all those people for their word, as to what they were complaining about in regards to Geico, because Geico got us listed as a high risk and no one wants to actually look at the circumstances about our claims and we are stuck paying extremely high premiums with the absolute least amount of coverage for our vehicles. Once you are listed as a high risk, you are stuck with those high premiums for at least 3 years and if you get any kind of citation or ticket or accident of any kind, refardless of fault, you can be dropped and black listed again. I beg any one who reads this to please just think before you get your insurance through Geico. You can also go to a website called LexisNexis, which is where most of the insurance companies go to get reports on consumers and this is how they make most of their decisions, to charge you the rates they chose for you. If you go to the website, you are entitled to get one free full disclosure file on yourself, once a year, as required by law, they have to give it to you. It shows your credit report, your employment history and driving record. The report is free and I think everyone should know what is in their reports. I learned of this site through a friend of mine, whom just started selling auto insurance. Anyway, I just wanted to let anyone reading this about my experience with Geico and how I had ignored what others had to say about Geico and I ultimately paid the price for not listening. One more thing, even if you are in an accident, which is clearly not your fault and even though the other driver is ticketed, the incident has to be reported to your insurance company because the police were involved, do not think this does not effect your premiums, because it does. There is a scoring system in place which the insurance companies use and everything you do drops your score. Now, get this, if you move into a home and the address of this new home is listed from the previous owners as being the address of drivers, who happen to have a really bad driving record, you loose points for this, because they only see that address as the address associated with the bad driver and since they have no way of knowing, even with all this technology, that you are not just living their with those people, they consider that a high risk. You know why? Because that person might still be living there and might possibly be driving your vehicle. Now that is a real kick in the backside. Anything to be able to get more money from you and throw you into a high risk category, so if you drop your present insurance company and go to another company, they can look at your score and that is all she wrote. My credit rating is very high, so believe me when I say, they do not just go by your credit score. Your credit score is only a small part of what they use to decide the amount of your premiums. There is a website which has hundreds of items which the insurance companies, as well as other businesses, such as employers and landlords, use to determine, the rates they charge you for premiums, if you get hired for the job, or if you are suitable to be a tenant. However, I am not sure of the exact website, which as everything that effects your score, and it may have been a link from the website LexisNexis, but I am pretty sure, if you type it into a search engine, you might be able to find it. I do apologize for not having that site available. Anyway, if by my posting this complaint, I am able to help even one person from making the same mistake I did, by not listening to the advice on Geico, then I am thankful that it helped you. I just do not understand how our world has become so greedy with money, that people are just numbers and that big companies, such as Geico's actions can cause so much hardship on the customers, and it not make any difference to them. We are just people, who are not given any considerations for circumstances, like it was 30 years ago, when people were good for their word and trust was very important, when it was attached to a name. Good luck everyone.

I have been a loyal geico customer since 1996. I have never been in an accident so I have never had a problem with my coverage. Then, this past April, I was sitting at a stop light when I was hit by a drunk driver.
My mustang was rear ended and then side swiped as the drunk driver fled the scene. I had to swerve into a pole to lessen the impact. Thankfully no one was hurt, in my car, or the three other cars hit by the same drunk driver.
My car however was not so lucky. Both side mirrors, both rear quarter panels and my rear bumper were damaged.
I promptly reported the incident to Geico. They told me that we would have to wait for the police report to come back before they would know if I have to pay my deductible or not. I have uninsured motorist insurance which waives the deductible if the drunk driver doesn’t have insurance. And the claims rep said that my deductible would be refunded to me if the drunk driver did have insurance because I was not at fault in the accident. So either way, I’m not paying a deductible right?
After a few weeks I called geico and asked if they had the drunk driver’s information so I could take my car in to be repaired. They said that they were still waiting for the police report so I’d have to wait more. I was able to obtain the front page of the report from the police myself, but it didn’t say anything about the other driver’s insurance info.
2 more weeks passed and still no word from Geico. They refused to pay for a rental so I had been driving my wife to and from work, in my towncar. -which is not easy on the gas as you can imagine. I spoke with Geico again and they said to just bring the car in and we would deal with the deductible when we figure it out. So I did what they said. I have not been in an accident before so I didn’t know any better. I guess that’s what I get for trusting them.
When I finally get the call from the adjuster, she said that my 2001 mustang is totaled. She said it’s going to cost $5000 to fix the car and that’s more than it’s worth. Or they would give me $3200 and a salvage title. Now what am I supposed to do with $3200 if that’s not enough to fix the car and it’s not enough to replace it?
She explains that it would have been $3700 but they are charging me the deductible. –Even though they still allegedly don’t know the other driver’s insurance info.
So what can I do but accept it? I tell the adjuster that I’m going to have to think about it and get back to her.
I went to pick the car up today, and they charged me $180 for “storage” . That was the last straw.
So to recap….. I was hit by a drunk driver on april 12th, 2010. It’s now June 2nd, 2010. My car is still not fixed. A $3200 check, supposedly in the mail, to get $5000 worth of repairs done. I have been driving my wife to and from work in my towncar for a month and a half AND I’m out $180 for “storage” . Thanks Geico!

I had ins. with allstate & decided to switch to geico because they were cheaper.After a couple of weeks when i had ins. with geico, Allstate called & said they might be able to beat geico's price if i would come down & talk to them.Dec.9/2009 I signed backup with Allstate at about 1:30pm.That afternoon I called geico & told them I wanted to cancel & I was going back to allstate.I told the person I talked to, that Allstate was going to start ins. on 12/16/09(because I told allstate, my ins. with geico was good until the 15th) & I wanted to let my ins. run up until that date.After a few minutes on hold she came back & said I would owe $2 & some odd cents for one more day, because my policy is pd. up untill12/14/09.I said, fine, because I had it set up on auto draft so its no big deal.She took a few minutes to set everything up on the computer & we said bye & hung up.On 12/15/09 my daughter was driving the car & the brakes failed.She hit the car in front of her.Thank God no body got hurt.I met her at the accident a few minutes later.I told the guy she ran into that geico was really going to be mad because my ins. was going back to allstate midnight tonight.The guy she ran into called a couple of hours later & said there was a problem with the ins.the next day i talked to geico & they said I was not covered, My ins. was expired 12/14/09 at 12:00pm.I explained to them the conversation I had 12/09/09 at 5:30 pm with the woman at geico & they said they would check the records & recordings.I argued with them 3 or 4 times on the telephone over a period of about a month.monday I have to send out a ck. to a collection agency for 1/4 down & make payments for 2yrs.to pay for the car repair because I don't have proof of the conversation about her adding 1 more day at $2 & someodd cents.So here I sit all Broke & Hearted.I certainly hope this message helps somebody in the future.May God bless all of you.

Geico is advertising that it has lower prices in GA, this is absolutely not true. I am classified as a safe driver (no accidents or speeding tickets) and 53 years old. Their prices are higher than all other carriers. This is false advertising. I also know of other people that have complained about the same issue.