Unethical GEICO

[Guest]

Figures the OP doesnt return,

 

[rousemark]

Figures the OP doesnt return,

I think the "poor child" was looking for sympathy.. Kind of like the thread where the guy is looking for a loophole to cover his pregnant girlfriend or the one where the agent wanted to sell insurance over the phone so he could keep the kids because he was "sending" the wife back to work right after she had a baby. They all three learned there aren't many hand holders here.

 

[Turz]

I disagree.

- Few people call and ask truly hypothetical questions. They call and ask, but its usually related to a real incident. I know, I answer these all the time.
- A claims question will ALWAYS go to the claims department at a large company. A claims department will always open a claim. It's really not a problem, but they have to.
- Having a claim filed is not an issue to you. A lot of people miss this point, but don't confuse a claim opened and not paid with a claim that has a payout. Its the payout that you want to make sure happens only when appropriate. You don't really care about the claim itself.

Lots of people call in on these, some for their own need some because they know someone that went through this and don't want to call their own company.

Legally they do not have to open a claim. Notes can be documented in policyholder records as inquiry. This probably varies state to state as most procedures do.

The claim will not affect his policy, but if he wants to switch companies it shows on his record and affect his eligibility and rate. Many companies, regardless of payment, will count this as a recorded accident. Technology is now coming out that is finally able to determine this shouldn't count, but it is by no means implemented in all companies.

 

[djs]

I disagree.


Lots of people call in on these, some for their own need some because they know someone that went through this and don't want to call their own company.

Legally they do not have to open a claim. Notes can be documented in policyholder records as inquiry. This probably varies state to state as most procedures do.

The claim will not affect his policy, but if he wants to switch companies it shows on his record and affect his eligibility and rate. Many companies, regardless of payment, will count this as a recorded accident. Technology is now coming out that is finally able to determine this shouldn't count, but it is by no means implemented in all companies.

I disagree. Maybe its a state thing, but most states on auto REQUIRE a payout for it to be a rated at-fault claim. In California, there is actually a law about this.

Dan

 

[Guest]

Turz, if your under 100 posts, no argueing with the mods

 

[djs]

Heck, no arguing even over 100 posts...
The moderators have spoken!!!!

Actually, I don't mind it. It gives me a chance to learn sometimes.

 

[IEG12]

I agree with pretty much everyone here (except the first post), but I did have a question - don't all insurance companies have to tell you that they are opening a claim? This is my understanding, which makes that first post even more ridiculous.

I may be wrong on that, but like I said, I'm pretty sure the company tells you when they are opening a claim.

 

[Guest]

I agree with pretty much everyone here (except the first post), but I did have a question - don't all insurance companies have to tell you that they are opening a claim? This is my understanding, which makes that first post even more ridiculous.

I may be wrong on that, but like I said, I'm pretty sure the company tells you when they are opening a claim.

Why would they have to tell you when you or someone called in?

If you dont want a claim filed and just want to ask a question or two, well hell, thats why you should have an agent.

 

[StacyC]

Crooks, sucking blood and robbing people. Did I cover everything there? Tell me, what happens when you have a loss, do they pay? Wouldn't a crook not pay?

I have a friend whose home burned down 4 years ago. The insurance company paid out a total of $1.3 million to cover the rebuilding of the house and to replace the contents along with one of his vehicles. I've never had a blood sucking crook give me $1.3 million for a small annual premium, have you?

One great thing about when we get upset with someone we do business with, we can change to another carrier. Maybe you should give that a shot if you hate Geico so much. Of course, it appears you hate all insurance companies so you may have a tough time no matter where you go. I would say you could just self-insure, but unfortunately auto insurance is required.

With your disgust for insurance companies, I would recommend you self-insure in all the other areas that are possible for you. Life, home owners (if you own your house free and clear), disability and health insurance (at least until 2014 at which time you will be required to get health insurance or pay a penalty).

Good luck!

Did you really have to open that can of worms?

 

[crashed]

I just had someone call last week and want to hypothetically know what a bodily injury claim will pay for compensation....guess they thought I was an ***.