|Geico Bad Faith Insurance, lies, delay and bullying Tactics, Internet |
|26th of Nov, 2010 by User299544 |
|On May 31st, 2010, we rang AAA to tow our RV to our new residence. AAA assigned Desert Valley Towing who's incompetent driver wrecked our RV, personal items inside and caused physical injury to my husband. The driver was so wreckless that the RV actually came loose of the hoist on the Tow Truck. My husband was asked to enter the RV and apply the brakes to enable the driver to re attach the RV. He jolted the RV around so much that my husband lost his balance and hurt his back. On exiting the vehicle, the Tow Truck Driver drove off before my husband could get the door closed and the keys out so he was injured again and dragged along side the RV.|
We put in 3 claims to Geico - the RV, personal property and medical and the fight started.
Karma Nelson (vehicle adjuster) inspected the RV and agreed it was a write off, however, informed us our Policy did not have replacement but Fair Market Value. We were stunned, we were asked if we wanted replacement when we took out the Policy and we said yes! Why the hell would we say no? Ms Nelson also inspected the damaged personal property and took photos. She said she would forward them to the personal property division - she did not. We looked up links for comparable RV's of similar size and age and sent them to Ms Nelson. She didn't look at our links but preferred to look at only one site with an RV that was not comparable to ours and made a settlement offer that was laughable. We refused the offer, however, she stated she had already sent the check and there would be no further negotiations.
My husband rang Geico and complained about Ms Nelson's attempt at forcing a settlement amount on us. We rang the Department of State Insurance who advised us to re send the links and to not accept the offer. After many phone calls complaining, eventually a Supervisor agreed to increase the settlement offer and stated a second check would be sent to make up the difference (the first one never arrived). My husband had to continually call to chase the checks which we were assured were in the mail. Eventually he demanded that someone meet us and physically hand over the checks. An adjuster met with us and handed over the 2nd check which was dated the day it was supposed to have been mailed. Shock and horror - they lied about mailing it. Then the first check turned up, we went to cash it at the bank but it had been cancelled, so another fight followed to get the first check. 3 weeks later an adjuster met us with the first check.
During all this time, our personal property was in the hands of an incompetent liar named Jae Cha. After many phone calls and having to re send photos etc by email that Ms. Nelson had not sent, Mr. Cha informed my husband that Geico would settle for $4049.00. We accepted that offer. Mr Cha told us he would be in contact to organize a day and place for the check to be delivered.... we never heard anything more. 2 months of ringing the cell number he gave us, sending emails went unanswered.
On Monday 22nd November, my husband again rang Geico to chase the personal property check. He was told to meet an adjuster (Jean Allocati) the following morning at 9.00am to pick up the check. We went to meet the adjuster who *shock horror* did not have the check. He stated Jae Cha had not answered his email (surprise surprise) and did not inform him of the amount nor had authorized a check... so why the hell did we have to travel to another town to meet him?? Mr. Allocati said he would look into things. Later that evening we received an email with an offer of $2870.00 for the personal property. We argued the point that his prices were based on Pre Christmas Sale prices and not those of the links sent back in July when the claim should've been settled. He refused to negotiate and stated no further negotiations. We instructed that if we did not receive the check by 5.00pm Friday 26th November, we would start legal action. We heard no more. On Friday 26th November, my husband rang Geico to find out about the check again and was told if he rang again, Geico would call the Police and have him charged with Harassment.
In all this time, Geico has refused to acknowledge the medical claim apart from being told that the $5,000.00 coverage we were told we had was incorrect and that it was $1,000.00. They changed it again - yet we have never received a copy of any policy despite repeated requests.
My husband had to withdraw from the last semester of College due to his injuries meaning he received no Financial Aid.
Excuse me? Policy Holders are now not allowed to ring about their claims without being threatened with Police Action??? Geico needs to be investigated by the Department of State Insurance... who the hell do they think they are. So this looks like it's going to end up in Court. Thanks Geico for ruining at least 6 months of our lives!
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