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Smart Shopper Questions About Auto Insurance & Accidents
4422 messages, Last post on Dec 04, 2009 at 6:46 PM
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New way how Geico has been cheating its customers. Here is how the fraud works. I purchased my new 2WD Honda Pilot EX in April 2009 and provided VIN to Geico. After reviewing my policy on 4/14/2009 with assistant, my Pilot magically turned into 4X4 EXL model. According to the Kelly Blue Book (dated 4/13/2009), the MSRP for my 2WD Pilot EX was $31,165.00, and $37,565.00 for 4X4 Pilot EXL respectively. The difference in price results in higher premiums. In other words they overcharge me for the more expensive car, which I don’t own in fact. Now try to multiply this trick to the millions of insured cars. When I asked to correct the error, the answer was that according to the VIN number, you have 4X4 Pilot EXL model. I spent 2 hrs. on the phone, speaking with five assistants and a manager. Net result is zero. Finally I was told that Geico’s VIN database is correct, and I should contact Honda because they put wrong VIN onto my car. Is it a joke, or Geico treats customers like idiots? P.S. By the way, I verified my VIN with Honda. It is OK.
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Maybe you could send them a copy of your bill of sale from the dealer, plus photos of the vehicle...obviously something is seriously wrong here, but, aside from dealing with human idiots, it SHOULD be an easy problem to solve... Another possible solution is to drop Geico and go with someone else...
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Replying to: marsha7 (Apr 25, 2009 5:51 pm) Is this something the state's insurance department can help fix? It might be a problem affecting more than one company. The poster might help others get rebates for overpayment. |
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Replying to: marsha7 (Apr 25, 2009 5:51 pm) |
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That is a thought...but the poster might try their own state's insurance commissioner's office, rather than the HQ for the national organization, altho it may bring a response... I would try "(your state) Insurance Commissioners Office" in a search engine, it will probably find it quicker than typing the website... If an email gets no response, might back it up with a real letter or telephone call...obviously it is silly for Geico to maintain their VIN research shows one model and the poster has another model, much cheaper... |
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Replying to: eteled (Apr 25, 2009 5:25 pm) Visit a nearby Independent Insurance Agent who subscribes to the ISO & ask him to check your serial number with his manual. If it does agree with what you have, photo copy that page and send it to Geico for their correction. Some companies do not subscribe to ISO, but closely adhere to their ratings & in the process may be lumping several models together - which is not right. You have just cause for examination, but it's not fraud. |
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Replying to: marsha7 (Apr 25, 2009 5:51 pm) This does seem like an easy issue to resolve. All ins companies have local agents or affiliates to check things like this. Why not simply INSIST an agent look at the vehicle and verify the VIN? |
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Great idea...but I thought that Geico did not have local agents, just a HQ in each state for claims, and the internet and the TV gekko for sales...the only Geico place I know in GA is Macon, where all claims go...
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Replying to: marsha7 (Apr 26, 2009 6:26 pm) |
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Replying to: marsha7 (Apr 26, 2009 6:26 pm) I believe it is fairly new. |
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