Bob
Quinlan,#2Consumer Suggestion
Tue, February 22, 2005
I don't believe that Snowflake's comments would fall within the definition of vitrolic. Especially when you consider the context of what she was saying concerning community property. This was probably a typo as she goes on to say you can only go after one spouse, which is true for NON-community property states. Tit-for-tat Gail, I guess we should then completely disregard the rest of your post as well for taking her comments out of context. Bob
Gail
Locust Grove,#3Consumer Comment
Sun, February 20, 2005
Snowflake is so very wrong.....Virginia is NOT a community property state. I do believe that if someone is going to leave such vitrolic opinions they have a duty to do thier homework. Please research items of which you are unsure. One glaring error in the begining will make most people ignore the rest of what you have to say. If you are wrong in the very first paragraph, why should someone read the rest?
Gail
Locust Grove,#4Consumer Comment
Sun, February 20, 2005
Snowflake is so very wrong.....Virginia is NOT a community property state. I do believe that if someone is going to leave such vitrolic opinions they have a duty to do thier homework. Please research items of which you are unsure. One glaring error in the begining will make most people ignore the rest of what you have to say. If you are wrong in the very first paragraph, why should someone read the rest?
Gail
Locust Grove,#5Consumer Comment
Sun, February 20, 2005
Snowflake is so very wrong.....Virginia is NOT a community property state. I do believe that if someone is going to leave such vitrolic opinions they have a duty to do thier homework. Please research items of which you are unsure. One glaring error in the begining will make most people ignore the rest of what you have to say. If you are wrong in the very first paragraph, why should someone read the rest?
Gail
Locust Grove,#6Consumer Comment
Sun, February 20, 2005
Snowflake is so very wrong.....Virginia is NOT a community property state. I do believe that if someone is going to leave such vitrolic opinions they have a duty to do thier homework. Please research items of which you are unsure. One glaring error in the begining will make most people ignore the rest of what you have to say. If you are wrong in the very first paragraph, why should someone read the rest?
Pete
Rochester,#7Consumer Comment
Sun, July 18, 2004
I hate Geico. Their rates are lousy, and so is their service. I had a problem 3 years back. The State road crew were weed-wacking dead grass in a median(it had not rained in 3+ weeks). I was hit in the arm with a stone, and my paint was chipped. The damage was $600+. Geico had a claims adjuster(a little coporate weasle)say the damage was JUST UNDER my DEDUCTABLE!! He did this, so Geicoo did not have to help me. I took the KIA(don't ever buy one, thats another report)to 4 other places. Every place bid fom $570-$700 for my damage. I had to go to the Attouney General(the BBB did ZERO to help)for help. They put the squeeze on Geico, and AFTER A YUEAR OF FIGHTING, I got my car fixed!! Geicos rates are higher, on average; their service is well below average. I hope Geico sends you job to INDIA, then you will see the company for the greedy crooks they are.
Melissa
Fredericksburg,#8UPDATE Employee
Sun, July 18, 2004
Please don't state that something is a "fact" when you obviously don't have a clue. As a claims examiner I continuously pay for property and bodily injury damages to a GEICO insured that was in an accident with another GEICO insured. We have very strict guidelines regarding the handling of claims that involve 2 or more GEICO policyholders. We treat it as if it was 2 entirely different insurance companies. There are times when we do not honor the other persons claim, but that is because Virginia is a comparative state which means 100% negligence has to be proved to recover from the other party. If there is no evidence (word versus word) then we will deny the other party. That includes people insured with State Farm, Allstate, Erie, Progressive, etc. The fact that they also have GEICO insurance does not impact the handling of the claim whatsoever. In regards to the original post, with the payment plan that the person was on you stay 1 month ahead. If you skip one month, you are technically considered "late" but as long as you make the payment by the next due date you will still have coverage. He skipped 2 payments to have been cancelled. The problem is that a lot of people intentionally let that 1st month go without payment because they can use the money elsewhere, but then there is no buffer...if you "forget" to pay then you have no coverage. I know if I missed 2 months of auto insurance I would begin to wonder about all the extra money in my account and investigate. In addition, cancellation notices not only go out, but they go out post office receipt secured. If you have any questions about it being mailed, you can always call and request proof of mailing. At that point it is in the post office's hands to get it to you. And if you called to discuss your policy it is IMPOSSIBLE for them to have not mentioned the fact that your policy was cancelled. It would have also been IMPOSSIBLE for them to not know that it was cancelled. People don't seem to mind skipping an insurance payment or two until 1. they have an accident while their policy is cancelled *or* 2. they receive a notice from the MVA that they are being fined for no coverage. To put things in perspective, if you didn't pay your electricity bill for a month, would you be surprised when your power goes off? If you didn't show up for work for a month, would you be surprised when you don't receive a paycheck and then have no job to go back to? The only difference with insurance is that you have to be a responsible adult and keep up with it since there is no tangible evidence that it is there until it is needed. (hmmm...I haven't paid my auto insurance in a while...maybe I should call to see if there is a problem)...
LC
Snowflake,#9Consumer Comment
Sun, June 27, 2004
That is the only reason I can see for you sticking up for GEICO. All of the folks at Capital One have already lost their jobs to the needy people in India, I guess you think you're next. Here is the facts about GEICO: If you are rear-ended by someone else going over 50 MPH, while you are at a dead stop, if the other person also has GEICO insurance, although clearly and admittedly in the wrong, the damage to your vehicle and your body and head will not receive compensation. If the other party's spouse works for the Central Intelligence Agency - forget about it! Despite the fact that Virginia is a community property state you can only go after the personal property liability of the one spouse. This is not for the purposes of protecting losses of citizenry, this is to underwrite irresponsibility. If you live in Stafford or Rappahanock County, Virginia then there is no way you will receive compensation via a tort suit. Just try and get an attorney to take the case. Even criminal cases are deferred for adjudication via tort, but even with the lower standards of proof required, the civil courts are also predisposed to helping out insurance companies. You see, not only do they provide jobs in the area, they also are major contributors to political action groups. Most of justice in Virginia is determined in the country clubs, not the courtroom.
DANIEL
FREDERICKSBURG,#10UPDATE Employee
Sat, June 26, 2004
Being an employee of GEICO has helped me to understand many things concerning the insurance world. I hear phone calls from people all day and night concerning being cancelled from their company because of lack of payment, or no reason at all in some cases. GEICO has one of the highest reputations in customer service in the state of Maryland as well as the other 47 states we insure. Failure to make a payment is not an insurance companies responsibility, the person with the policy should be completely aware of their payment plans and dates that they are due. In most states, it is only a 10 day "grace" period to keep a policy effective due to lack of payment. GEICO has an electronic funds transfer program that costs less than other payment plans, but also assures the customer that their payments will be recieved without worry or delays in the mail or incorrect mail handling. GEICO also offers payment over the phone in case a policy holder was late to the mailbox, giving them confidence in being with a company that is accessible twenty four hours, with understanding customer procedures. Every customer is responsible for reading through their policy and finding out the answers to any question that they may have, the true difference concerning GEICO and other insurance agencies, is that our customers are never told something different than the truth on the first phone call. No one should be left questioning their insurance policy, especially since insurance is something every driver needs. I am sorry to hear of one persons disheartening story, but taking responsibility for being late is the bottom line.