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Discussion Starter · #1 ·
Geico is a bunch of assholes.

They denied my claim based on the testimony of the other driver. They basically said I made an improper signal and was in the wrong section of the lane to make a left hand turn. Both statements are bullshit.

I've already set up an appointment with a lawyer over this.

I'm so pissed at Geico right now and am cancelling my policy with them. I just wanted to let everyone know.
 

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what a bunch of :bs

I'd wait to cancel the insurance policy until it's all said and done :O

good luck with the lawyer
 

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Spektrum-SA1 said:
Well, I was bulldozed over by a car passing a double yellow line.

She was going about 38mph when she hit me. I was sideways turning into a driveway. The officer has put her at fault and issued her a citation for crossing a double yellow. Completely her fault here :rant
So did they even review the officers report? Are they saying the officer was wrong or lying???
 

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Discussion Starter · #4 ·
So did they even review the officers report? Are they saying the officer was wrong or lying???
They haven't even received a copy of the police report. They spoke with the officer and he found the other driver at fault. Because he did not witness the accident, they are not even considering his testimony.

They're basing their decision on the testimony of the stupid bitch that hit me.

I have no doubt that I will win this in court, or even settle beforehand once my lawyer gets involved. I just can't believe I'm having to go through this.
 

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That's just stupid!!! Sounds like the adjuster doesn't know what the f**k he's doing. The police found her at fault for a reason. Of course she's not going to admit fault if they're going to take her word! Some people just aren't that honest.
 

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Go after her insurance, why is your insurance involved when the police cited her?
 

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If I remember correctly his cage insurance was the same as hers. I wouldn't want to deal with a company that did that to me either. They are really trying to put you through the wringer on this one, just wait and see what happens when your lawyer gets involved!
 

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:banghead :rant :banghead
 

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Wow if you and she have the same insurance co. that will definately be a conflict of interest for geico.
Not really. Allstate, State Farm and Geico for that matter are so prevalent that this happens to them all the time. As long as two differnt employees handle it, then it is OK.

Do you have a copy of the police report? Enlighten the adjuster with it. Tell him/her exactly what you intend to do - retain a lawyer and file suit if they do not reconsider, but try to do it in a calm and rational way. The officer may not be a witness, but push comes to shove, they can testify in court as to what they wrote in their report and why. Police testimony carries a ton of weight.

If there is any way you can persuade them to change their mind, it is to your advantage. Your lawyer will charge 33% of your settlement plus expenses, and once suit gets filed, your lawyer will get 40% of your settlement, plus expenses. Plaintiff lawyers are not exactly white knights and they do not work for free in other words.

Good luck!
 

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Oh god I feel a rant coming on ... let's just say I hate insurance companies and that this HORSESHIT doesn't surprise me. Get a lawyer, get your claim then rip into the insurance company for compensation for mental trauma or whatever :rant :mad :banghead
 

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...take Dukn4ever's advice and if that doesn't work, get a lawyer:yes
 

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Yeah, what bx said... and here is the funny part... as I write this... at the top of the page in the Ad Banner is an ad for what else.... yeup... Insurance from geico... Dooh!
 

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Listen to duken, he knows this stuff better than anyone I know!
 

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:confused I don't understand how your insurance works? I have full comprehensive insurance on my bike. They fix my bike whether I'm 100% at fault or 100% not at fault. If I'm at fault they fix any other vehicles too.

If I'm not at fault, no big deal, if I am at fault, I can lose my rating one no claim bonus. (But I've been a rating 1 long enough I can protect it.)

They can't refuse my claim :dunno (Unless I'm DUI or on drugs or committing a crime or something)
 

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I don't understand how your insurance works? I have full comprehensive insurance on my bike. They fix my bike whether I'm 100% at fault or 100% not at fault. If I'm at fault they fix any other vehicles too.
It is the responsible driver's adjuster who is denying his property damage liability claim. Evidently they feel Spektrum is at fault. I assume Spektrum, who also has GEICO as his own insurance, does not have full coverage. If he did, they would have to fix his bike under a collision claim.

Listen to duken, he knows this stuff better than anyone I know!
:laugh Lately I feel it is a rather sad area to have 19 years of expertise in, but that is where life has taken me. Anyway, I will add this random stream of consciousness blather to add background to the situation.

GEICO is a large insurer, owned by Berkshire Hathaway, which is Warren Buffet's conglomerate holding company. Warren, the oracle of Omaha, is the 2nd richest man in the US behind Bill Gates. I mention all this to highlight the fact that GEICO has tons of money. GEICO has been a very sucessful investment for Berkshire.

On the other hand, your claim rep at GEICO probably makes less than $40,000 a year and likely has a shitload of files on their desk. Probably 150- 200 or more cases, just like yours. Insurance is a white collar sweatshop with high turnover and a high rate of employee disgruntlement. For example, the average adjuster has about 3 years of experience, which is not enough to truly know what the hell they are doing, especially on property claims.

So if insurance sucks so bad as a career, why do I do it? My employer (Amica) is better. Rated #1 by Consumer Reports and JD Power for years. Our rates our higher, our service better. I have 105 cases, which is very high for my employer, but I have been at this awhile. I have a 2007 Camry company car. a fleet gas card, and lax oversight on my expense report :devious My pay is OK, but the benefits, including a Vanguard 401K plan with dollar for dollar company match to 6% of pay, a pension and full medical in retirement, are outstanding. I have it pretty decent in other words. The cases I get benefit from experienced, fair and careful attention. There are many others like me at the company as people stick around. It is truly an anomoly in an otherwise sad industry. The only other companies I can think of that are worth a damn when you have a large claim are Chubb, USAA and Cincinnati Insurance.

So anyway, it is not right for that rep to deny your claim, but with the right evidence, they very well may change their mind without legal action. If it comes to that, their supervisor, who has even more cases than they do, may finally wake up and take a look at your case and change their position.

Be courteous but firm, and present them with the evidence. If that does not work, by all means get a lawyer and avail yourself to the legal system. Be selective on what lawyer you retain though, like doctors, there are good ones and there are awful ones.

Good luck!
 

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It is the responsible driver's adjuster who is denying his property damage liability claim. Evidently they feel Spektrum is at fault. I assume Spektrum, who also has GEICO as his own insurance, does not have full coverage. If he did, they would have to fix his bike under a collision claim.

Aha! Thanks, now I follow.
 

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Discussion Starter · #19 ·
Not really. Allstate, State Farm and Geico for that matter are so prevalent that this happens to them all the time. As long as two differnt employees handle it, then it is OK.

Do you have a copy of the police report? Enlighten the adjuster with it. Tell him/her exactly what you intend to do - retain a lawyer and file suit if they do not reconsider, but try to do it in a calm and rational way. The officer may not be a witness, but push comes to shove, they can testify in court as to what they wrote in their report and why. Police testimony carries a ton of weight.

If there is any way you can persuade them to change their mind, it is to your advantage. Your lawyer will charge 33% of your settlement plus expenses, and once suit gets filed, your lawyer will get 40% of your settlement, plus expenses. Plaintiff lawyers are not exactly white knights and they do not work for free in other words.

Good luck!

Thanks for all the advice.

Unfortunately, I have exhausted all routes with Geico. They made their decision even before receiving a police report.

They are not claiming full responsibility despite the fact that the police officer completely faulted her for the accident. Hell, the driver even said "He stuck his arm out like this": then she stuck her arm out to the left. In her own writing on the police report, she said "He stuck his arm out, turned left, and I hit him."

Despite all of this, Geico has denied responsiblity. So I must retain a lawyer. The good news is that my girlfriend's family has been dealing with a lawyer for about 20 years now. He'll be handling my case along with a personal injury specialist.

I'm sure that I will win the case, but it's unfortunate what Geico has done.

I'm a customer myself, so it makes me wonder how they treat non-customers.
 

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I heard a lot of horror stories like yours about Geico back when I had them. Which directly led to me finding another insurer. I'm also glad to hear/read Duken give positive response to my current insurer, USAA. Anyway, I hope you get it sorted in a timely and relatively painless way from here on out Spektrum. I'm another who will never join the Geico fanclub, well I won't join any insurer's fanclub as to me it's almost legalized extortion. Especially for people like me who have paid in good faith for so many years and never filed a single claim. They could at least send me a piece of crap fruitcake at Christmas. :laugh
 
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