Complaint Review: GEICO Insurance Company - Nationwide

I am glad I saw this post by chance. I likewise have been a good standing policyholder of Geico for over 5 years myself. In fact, we sent both our older sons to Geico whom got their business too. But, this just occurred for us. When I went online to Geico's website there was warning our policy was cancelled. So I called them, and they told me there was a payment lapse so they cancelled my policy. So I figured, as they blamed the mail and then us for being late, that since you prepay 30 days ahead, we could simply make this payment and that be that. No biggie. They then told me they would have to restart application all over again like I was a new person and go through a battery of details to evaluate what our new premiums would be, etc. Of course I got upset when I heard this as we had full comprehensive coverage on our 2002 Pontiac Grand Prix and were given a "preferred" rate which meant we paid approx. $900.00 yearly for said coverage. My wife, who worked in insurance for some years tried to reason with them why all of a sudden, our payments were to go from approx. $900.00 yearly to nearly $1500.00 yearly nor for same coverage, same car, no damage or violations, etc. Then they agreed to only give us basic liability for $500.00/6 months and told my wife we had to take the car to a local designated inspection station which we did. The man who could hardly speak 3 words said "I don't know nothin', and just look and report back to Geico". This guy walked around the car and did nothing more, and then told us we were good to go. This makes no sense. All we know, is Geico told my wife, pending the results of the inspection, they would readjust our premium and give us back full comprehensive coverage whichw e had before- but declined to say it would be the same d**n rate we were paying previously. This all really stinks and my wife told Geico, she was contacting the Insurnace Commissioner of NC and that before she was done, we would have our same previous policy and coverage and at the same preferred rates we were paying months before. What I do not understand, is how can Geico compare our car now to what it might have looked like months before to now gauge an insurnace adjustment? This makes no sense to us. Then, throughout our duration last week with Geico, our complaints and letters were responsed with "we will duly note this on your policy". But as Geico said, if we had no policy and it was canceleld, how could there be a policy then to note our complaints on? Well, at this point, we have a new liability policy received in mail, and guess what? The d**n policy number on it is the same d**n p[olicy nhumber our rpevious full comprehensive coverage was for years! This makes no sense to us! Anyone else out there experience this, because as I told Geico; I could understand if we had an accident that caused Geico losses, etc. but we did not! To simply do what they did from a normal human error seems exactly like many financial frauds out there the feds have cracked down on. We will report what this outcome is, but right now, we have less insurnace at a higher premium and have wasted our time from work, etc. to get this stupid inspection done for no reason.