wont pay the rest of the money they owe me for repairing a vehicle insured by them

On 6/13/08 I was coming around the back corner of my apartment complex that I live at when a fire truck came racing towards me. I started backing up because it is a very small area, to let them through and accidentally backed into a car's rear quarter panel that was parked illegally in a driveway.

Now we have been customers of Geico for 3 years and I am 43 years old and have NEVER been in an accident. We have NEVER filed a claim with Geico.

Anyway, I didn't know whose car it was so I left a note on the car and when I got off work I called Geico to let them know what had happened. I was told that if I didn't hear from them that my insurance would not go up and also that it may not go up because we were long time customers and had never filed a claim before. If it did go up it would more than likely not be a lot.

I waited for the people to call, nothing. Then, over the weekend (7/4/08) my husband was looking through our bills for the month and found that Geico had raised our insurance rates about 50.00 a month!

I thought that maybe Geico had got a hold of the people and that they had placed a claim, so I called. Geico told me that they had an open claim for about another week on the accident, no one had contacted them and that the reason that they raised my insurance rates was because I was honest enough to report the accident. So, no money was paid out, no accident was taken care of and they still raised my payments. What a scam!!!

Needless to say we are looking elsewhere for insurance.

I have purchased a 2006 BMW in the end of February 2008, and since I had another (much older) vehicle insured with Geico, I just added the new BMW and specifically asked that it had to be fully insured, meaning to have Geico include everything: collision, rental, driver, passenger, etc.

Agent confirmed my request and I paid in full for whatever extra he calculated. Mid-March 08 I was driving around 2am on the freeway and did not notice quite in time a piece of tire that had fallen down from a semi. Got some damage on the bumper.

Called Geico just to hear that I did not have a collision coverage after all and they will not be paying anything since they found that it was my fault. I was repeatedly insulted by Geico service representative and a supervisor who said that it's my responsibility to check what I am buying and they are not responsible for selling me a wrong kind of insurance. So Geico simply refused the claim completely, backed out.

However, I still asked for an upgrade to finally get what I requested for in the first place; paid extra $400. Last week I placed the car for repairs in the BMW dealership and got a rental car from them. The dealership covers 2 day rental; it's going to take about 5 days to fix the car.

I called Geico for rental reimbursement, which is clearly stated as one of the coverages on my policy. The response was a refusal, combined with pushing me around, horrific customer service and already typical backing out of the contract.

Geico practices selling false policies that don't cover and getting money for it, so that when an accident happens, they are clearly not responsible for the claim. It is very convenient- it's always a customer's fault that he/she relied on the Geico agent to provide with truthful information.

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