+ Reply to Thread
Page 1 of 3 1 2 3 LastLast
Results 1 to 20 of 54
  1. #1
    FWK-Z3
    Guest
    Location
    , ,
    Member No: FWK-Z3's Avatar


    Yes | No

    OT:GEICO should change from a gekko to a weasel

    If you are insured through GEICO, ask yourself -- How willing are you to be dragged into small claims court?

    Last night a truck I was following threw a rock from one of its rear wheels and it struck the windshield of my 2009 VW Jetta, leaving a defect in the glass. I followed the driver until she stopped, and told her that she had damaged my vehicle - the actual exchange was rather pleasant. She admitted to living off a gravel road, and as we stood there talking, I picked two rocks out of her right rear tire. She provided me with her name, address, phone and insurance information -- unfortunately GEICO.

    I called GEICO this morning, and the response was unprofessional in the extreme. I was asked how I could prove that their client caused t he damage, did I have a picture taken before my windsahield was damaged, etc.,etc. -- basically everything they could think of to try and weasel out of their responsibilty. I hung up when the GEICO representative accused my of trying to file a fraudulent claim.

    In contrast, I called my insurance carrier - AMICA (there is a good reason you aren't bombarded with inane AMICA commercials on your television - most of AMICA's new customers are a result of recommendations from their current policyholders, such as myself). I already have an appointment set up to repair my windshield, and have even offered to go after GEICO for me.


  2. #2
    Registered Member
    Location
    Gold Hill, OR, United States
    Member No: 21597 z3bigdaddy is an unknown quantity at this point z3bigdaddy's Avatar
    Join Date
    Dec 2001
    Posts
    11,789
    Rep Power
    0


    Yes | No

    Sorry Freddy, road hazard not covered....

    I don't want to pay for rocks that I kick up and I don't expect others to pay me for the same. If it fell out of or off of that is another story.....

    We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.
    A well regulated Militia, being necessary to the security of a free State, the right of the people to keep and bear Arms, shall not be infringed.
    Signature to be included in the footer of all your posts. (HTML is ok)
    Note: to include a picture in your signature, use HTML that looks like

    You may place a link to your own site in your signature if you have a
    reciprocal link to us on that page and follow the guidelines in our Link FAQ.
    Links in violation of the Link FAQ may be removed without warning. Please also
    do not include any pornographic or non-work-safe images in your signature.








  3. #3
    Registered Member
    Location
    Gold Hill, OR, United States
    Member No: 21597 z3bigdaddy is an unknown quantity at this point z3bigdaddy's Avatar
    Join Date
    Dec 2001
    Posts
    11,789
    Rep Power
    0


    Yes | No

    BTW #1 They can't "go after" Gecko for the

    damages and the only reason your company was so willing to fix you glass is because it is their responsibility. They are only doing what is "required" by your insurance contract. Not that I like the little green lizard but they did nothing wrong. The person on the phone should have just politely told you, "NO!!!" and sent you on your way.

    We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.
    A well regulated Militia, being necessary to the security of a free State, the right of the people to keep and bear Arms, shall not be infringed.
    Signature to be included in the footer of all your posts. (HTML is ok)
    Note: to include a picture in your signature, use HTML that looks like

    You may place a link to your own site in your signature if you have a
    reciprocal link to us on that page and follow the guidelines in our Link FAQ.
    Links in violation of the Link FAQ may be removed without warning. Please also
    do not include any pornographic or non-work-safe images in your signature.








  4. #4
    FWK-Z3
    Guest
    Location
    , ,
    Member No: FWK-Z3's Avatar


    Yes | No

    I don't have to win for them to lose

    Public perception is a funny thing. I pay my insurance carrier several hundred dollars a year to keep me from being dragged into court and sued. If I get dragged into court and sued for something my insurance company should have "handled", I'll probably think twice before renewing with them. There's nothing that Geico can do to stop me from filing suit against their client. Funny, I remember her words as she was handing me her information - "No problem, I have insurance to take car of this". Whether or not I win or lose, what do you think this will do to her perception of Geico? Who will be the ultimate loser?

    As far as my insurer is concerned, they don't make idle promises. This is why I have been with them for 34 years, and now have 4 cars, including my Z8 and M6 (my other 2 cars are insured through American Collectors, their agreed value subsidiary) and 2 houses insured by them. I am sure you recognize their name - AMICA, winners of the J.D. Power Award for Auto and Homeowners insurance for the last seven years running. If I compare your response and that of Gieco to AMICA's I can see why they have such ah outstanding reputation.

  5. #5
    Registered Member
    Location
    Gold Hill, OR, United States
    Member No: 21597 z3bigdaddy is an unknown quantity at this point z3bigdaddy's Avatar
    Join Date
    Dec 2001
    Posts
    11,789
    Rep Power
    0


    Yes | No

    "No problem, I have insurance to take car of this"

    You are shirley not saying that this woman can make guarantees for her company. What is her training to understand insurance products that she can do that? The fact the she was able call up 1-800-cheap insurance does not make her an insurance adjuster. You don't have a clue here and you have the best insurance available. If you want to sue someone over a rock chip repair that is yours and only your responsibility have at it but the one guarantee I can give you is that your carrier "will not" assist you in your endeavor but Gecko "will" assist her. Be a man admit you got a little mixed up and let it go.

    We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.
    A well regulated Militia, being necessary to the security of a free State, the right of the people to keep and bear Arms, shall not be infringed.
    Signature to be included in the footer of all your posts. (HTML is ok)
    Note: to include a picture in your signature, use HTML that looks like

    You may place a link to your own site in your signature if you have a
    reciprocal link to us on that page and follow the guidelines in our Link FAQ.
    Links in violation of the Link FAQ may be removed without warning. Please also
    do not include any pornographic or non-work-safe images in your signature.








  6. #6
    Rusty
    Guest
    Location
    , ,
    Member No: Rusty's Avatar


    Yes | No

    Re: I don't have to win for them to lose

    "Whether or not I win or lose, what do you think this will do to her perception of Geico?"

    I'll never claim to be an expert at understanding everything about how auto insurance works, but I do know that Z3BigDaddy's right about this one. And in your case, Geico is not responsible, anymore than AMICA would be if you'd been the one that purportedly threw a rock into someone else's windshield.

    I can understand your disappointment, but there's something unsettling in your tone because it comes off as someone that wants to damage the rep of another party thru "perception" when the reality is they have done nothing wrong.

    I mean, it kinda smells similar to the person that spills how coffee on themself then sues the restaurant for negligence (or whatever the offense would be). Sorry, but that's just not right.

    Sometimes you have to accept that sometimes things just happen, and nobody is at fault. It would be much more admirable if you'd just accept that this is the case and let it go.

    I generally don't find myself agreeing with insurance companies, but in this case I have to make an exception.

    Rusty
    '05 330i ZHP in Imola

  7. #7
    Registered Member
    Location
    , ,
    Member No: 171834 backend-bush is an unknown quantity at this point backend-bush's Avatar
    Join Date
    Feb 2009
    Posts
    30
    Rep Power
    0


    Yes | No

    Re: OT:GEICO should change from a gekko to a weasel

    Itís a rock from the road.
    How is it the truck ladyís fault?
    Why should insurances rates go up because of road debris?
    If she threw it with her hand- then you may have some leg to stand on.

    When it hails and dents my car can I sue God for the hail?

    Itís just bad luck- Wrong place at wrong time.

    Just write a letter to the Geico customer relations about your bad manner incident and cal it at that.

  8. #8
    Registered Member
    Location
    , TX, United States
    Member No: 4787 rustyh is an unknown quantity at this point rustyh's Avatar
    Join Date
    Nov 2000
    Posts
    4,933
    Rep Power
    0


    Yes | No

    Having rethought the analogy I used,

    I guess I'm seeing that it wasn't that applicable. :)

    Look at this way. Whether or not the lady could have knowingly picked up a few pieces of gravel travelling a road she regularly travels, is that really any different than someone that might unknowingly pick up a few rocks on any public road?

    Are you thinking she had a responsibility, once beyond the gravel road, to pull off to the side and check her tires and remove any gravel that might have been caught in the tread?

    That's about the only way I can understand how you would think her or her insurance company would be liable for something like this.

    Again, I know it's disappointing. Been there, done that. But on the upside, that's why you have insurance.

    Rusty
    '05 330i ZHP in Imola

  9. #9
    Registered Member
    Location
    Washington, DC, United States
    Member No: 143188 wcampbell6 is an unknown quantity at this point wcampbell6's Avatar
    Join Date
    Jul 2006
    Posts
    128
    Rep Power
    0


    Yes | No

    Re: OT:GEICO should change from a gekko to a weasel

    I, and my entire family, have been with AMICA for a long while and if you haven't checked them out, you are missing out. Very good customer service and a great example of how you can run a successful business by word of mouth advertising.

    The woman's company, Geico, shouldn't cover the rock, hail should be covered by your insurance company under the "Act of God" section which usually includes lightning and trees and stuff like that.

    You misunderstanding of who is responsible for road hazards is understandable and doesn't excuse poor customer service. Good luck with having everything taken care of.

    It's also ironic that you're complaining about Geico in you post, but when I was looking at it, there were TWO Geico adds (above and below) the message.

  10. #10
    Registered Member
    Location
    , ,
    Member No: 12416 ZeattleDave2002 is an unknown quantity at this point ZeattleDave2002's Avatar
    Join Date
    Aug 2001
    Posts
    7,957
    Rep Power
    0


    Yes | No

    Geico-owned! I could not stop laughing

    after I got to the bottom of your post!



    In all seriousness, they've always seemed dodgy to me. I think a legit insurance company is usually for the best. Good luck!


    Boston Green M Roadster

  11. #11
    Registered Member
    Location
    , ,
    Member No: 29003 AR67Duetto is an unknown quantity at this point AR67Duetto's Avatar
    Join Date
    Mar 2002
    Posts
    7,608
    Rep Power
    0


    Yes | No

    OT: GEICO & Warren Buffett

    Here's one account: http://www.buffettsecrets.com/geico-...nd-buffett.htm
    .
    .
    .
    .
    .
    .
    .
    .

    ~bmv


  12. #12
    NCZM
    Guest
    Location
    , ,
    Member No: NCZM's Avatar


    Yes | No

    Re: OT:GEICO should change from a gekko to a weasel

    I'm sure not here to defend insurance companies, they have huge PR departments for that. But, i've been with Geico for about 25 years and had to use them a couple times. I have heard great things about AMICA and their customer service, and I've had good customer service from Geico too. I'm sorry that you had a bad experience with them, that never helps.

  13. #13
    redrocketrdster
    Guest
    Location
    , ,
    Member No: redrocketrdster's Avatar


    Yes | No

    Fred... Just scratching my head here?

    If Geigo would have said "sure we'll take care of the glass issue", would you have posted a note about the great service?
    Seems to prove that good news is not spread, but that negative news gets the headlines.
    90% of us are current on our mortage, but headlines don't say that.
    Bill

  14. #14
    robertplattbell
    Guest
    Location
    , ,
    Member No: robertplattbell's Avatar


    Yes | No

    Kind of an assumed risk thing.


    It is very hard to prove than her car caused the damage. The driver of the car in question didn't see it happen, so she can't say one way or the other if it did - other than maybe it might have happened.

    It comes down to your word against nobody's. And it is her fault she lives on a gravel road? Hey I live on one, too. I have to pay for every time my truck throws a rock at a tailgater?

    How close were you following the car? Experiences like yours are one reason I give plenty of car lengths to the guy ahead of me, particularly when they are pulling out from a side road.

    And don't get me started on construction vehicles, and the like - spewing contrails of debris coming out of the construction site.

    Sorry, but I'd have to chalk this one up to "shiite happens". They do make rock chip repair kits for stuff like this.

    Or you could pay for comprehensive insurance on the car and they'd come out and put in a new windshield for you.

    Hey, I'd like to see you win, but then again, I'd like a free paintjob for every rock chip I've ever gotten on every car I've owned for the last 40 years.

    That ain't happening, either, I'm afraid.

    When you go out on a public highway, park your car in a public parking lot, you have to expect some normal wear and tear as a result.

    Rock chips, starbursts, and door dings are part of the deal, IMHO.




  15. #15
    robertplattbell
    Guest
    Location
    , ,
    Member No: robertplattbell's Avatar


    Yes | No

    Guess whose banner ad is on your post???


  16. #16
    robertplattbell
    Guest
    Location
    , ,
    Member No: robertplattbell's Avatar


    Yes | No

    Yea, actually that's called libel, I'd be careful


  17. #17
    robertplattbell
    Guest
    Location
    , ,
    Member No: robertplattbell's Avatar


    Yes | No

    Comprehensive Insurance


    You shouldn't have bothered calling GEICO in the first place, if you have "comp" through AMICA on the car.

    Most Comprehensive policies cover road hazard, and most windshield shops wil come to your home and do the repair right there and bill the insurance company (usually with no deductable).

    So if you get a broken windshield, the place to call is your own comp carrier, not someone else's insurance.

    That's the whole point of Comprehensive policies.

    I saw a dump truck the other day with a sign on the tailgate:

    CONSTRUCTION VEHICLE!

    STAY BACK 500 YARDS!

    I am NOT reponsible for YOUR rock damage!

    Sound advice...

  18. #18
    robertplattbell
    Guest
    Location
    , ,
    Member No: robertplattbell's Avatar


    Yes | No

    Fantastic GEICO customer service


    As one wag noted, no one reports good news. So here is some.

    In the pre-Buffet era, GEICO had some reputaton issues. The Goverment Employees Insurance Company was largely limited to... Goverment Employees, which I was at the time.

    The problem was, back then, they'd cancel your policy the minute you made a claim or got a ticket, making it harder (and more expensive) to get insurance elsewhere. A friend of mine had his stereo stolen. Boom, policy cancelled, and he had a tough time getting coverage elsewhere.

    I got a couple of tickets and BOOM they cancelled me and I had to pay through the nose with Progressive for a year, before I got coverage through State Farm.

    Since then, the company has expanded beyond its original mandate of Government Employees. And the service has improved under the Buffet era.

    You get what you pay for, of course. Some folks want insurance to pay them more than they pay in premiums. A nice theory, but it's not sustainable. An insurance policy ain't a Chinese Menu ("I'll have one of those claims, and one of those, and one of those - and do I get eggroll?"). People make a lot of claims, and suprise, premiums go up. That's how it works.

    After 20 years with State Farm, I shopped my policy to GEICO. I had tried last year, but their website freaked out when I told them I had six cars, one of them a 1948 Willys (didn't recognize the VIN number) and also had them in two different States, and at any time, half were in storage.

    This year, the website is much improved - it can take more than three cars per used. All the cars are now on one policy, with one policy number, and you can log in and download insurance documents, make changes, etc. online. It is very user-friendly.

    I did have to call several times to correct some mistakes on my part. THEY ALWAYS ANSWERED ON THE FIRST OR SECOND RING and I NEVER was ON HOLD for more than a few seconds. That is freaking amazing to me. I also got an umbrella liability policy through them (highly recommended).

    I had to call a few more times, mostly because State Farm totally screwed me by cancelling my old policies two weeks earlier than I asked them to. (Nice touch, State Farm!). The State Farm Agent actually had the chutzpah to suggest I should just drive with no insurance for two weeks, "The State only fines you $3 a day" she said. Having a lapse in coverage can make subsequent coverage more expensive.

    After going around with her twice, she admitted the mistake was all hers, but that to fix it, I would have to take out a new State Farm policy and bring a $500 check as a down paymment, and then request a refund after the two weeks were up. Nice.

    Now bear in mind, I have 22 different insurance policies, and at one time over 16 with State Farm alone. Life, homes, cars, boats, umbrella, you-name-it. You'd think they'd want my business.

    She then said "Why don't you ask GEICO to move up the start date on your policy to two weeks ago?" State Farm makes a mistake, and their solution is "let GEICO fix it".

    Well I called GEICO and in 10 minutes they fixed the whole problem. I never had a cross person on the phone, or anyone who did not know what was going on or who could not answer my questions. I'd give them an A+++ and State Farm an F--- and bear in mind, I had a great State Farm Agent for 20 years, until she retired.

    In your siutation, you were trying to file a very hard-to-prove claim against another motorist's insurance, when you already had your own comprehensive policy. So I think GEICO was correct in telling you to buzz off.

    If they paid out a new windshield to every Joe who called up and said "so and so's car threw a rock through my windshield" it would create an avalanch of claims, particularly if so-and-so cooperated in filing of such claims.

    This is a claim that was properly filed with your own insurance company.

    Rock damage like that is an assumed risk. Either get your own comprehensive (as you apparently have) or expect to pay for a new winshield now and again.

    I do not have comp on my truck. If the windshield cracks, well, I'll either live with it, or pay to have it repaired myself (windshields are remakably cheap, considering).

    Good Luck.


  19. #19
    s-retire
    Guest
    Location
    , ,
    Member No: s-retire's Avatar


    Yes | No

    The dump truck driver can post any sign they want,

    but it wonít absolve the driver from the responsibility of preventing any portion of the load from falling from the truck. (Except for clear fresh spring water and feathers from live birds)

    If the load or a portion of the load (rock) falls from a truck, it is a criminal violation. If the load or portion strikes another object (car) and causes damage, the liability is clear. It is hard work, but very much the responsibility of the truck operator to maintain the dump seals.

    That is of course different from Fredís issue, but there can be a civil liability issue with a rock thrown from a tire. This is more of a clear issue if the fender does not properly cover the tread portion of the tire.

    Fred was right to speak with the driver of the other car and call GEICO. Also it was correct to expect better customer service from GEICO. Having not received decent customer care and most likely not being interested in pursuing civil action, it is best for Fred to call his insurance. In this case having identified the responsible party, many good insurance companies would waive the comprehensive deductable. Iím certain mine would.

    Then it would be up to the carrier to decide whether or not to pursue civil action. Most likely they wonít bother.

    Remind me not to look to you for legal advice.

  20. #20
    s-retire
    Guest
    Location
    , ,
    Member No: s-retire's Avatar


    Yes | No

    OK, I'll bite. Where is the libel?

    Fred factually states the events and hopes others will share his opinion.

    Remind me not to look to you for legal advice.

+ Reply to Thread
Page 1 of 3 1 2 3 LastLast


Thread Information

Users Browsing this Thread

There are currently 1 users browsing this thread. (0 members and 1 guests)

     

Bookmarks

Posting Permissions

  • You may post new threads
  • You may post replies
  • You may not post attachments
  • You may not edit your posts
1e2 Forum