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Auto Accident

Posted Fri November 14, 2008 9:49 am, by JILL M. written to GEICO


On August 29, 2008, I came out of the Albertsons grocery store located at the corner of State Road 434 & 17-92, in Longwood, Florida, to find a Red Dodge pick-up truck attached to my 2007 Chrysler Sebring's front bumper.

A lady approached me who stated that she & her daughter witnessed the whole thing. They had been waiting for someone to come out to the vehicles to provide the car owners with this information. They told me that the truck had hit my vehicle when he was parking. I do not know either the lady who witnessed this or her daughter.

So that we would have a report of this incident, I called 911 immediately. I have told that there is also a recorded call for this loss. The 911 lady stated that the witnesses could leave as long as I get their contact information. Which I did.

While I waited for the police to show up, the owner of the red dodge pick-up truck came out of the store. When I confronted him with his poor parking and impact to my vehicle, he said I wasn't there when he went into the store. I informed him that I had already reported this to the police & the police were on their way. He then admitted that he didn't even feel the impact when he parked his truck.

In the meantime, I took pictures of the actual scene and of the vehicles being clearly attached. I also told the owner of the truck that I did not want the vehicles to be detached until the police arrived on the scene.

When the police did arrive, he gave us and option of either exchanging insurance information to he could complete an accident report. I requested a report be completed since it seemed that the truck owner was alleging that I wasn't there when he went into the store. The officer indicated that if he gave the truck owner a ticket that it would most likely be thrown out. I stated that I didn't care I wanted the report to be completed. The officer filled out a crash report & then we detached the vehicles.

After the police left the scene, the truck owner told me that if I wasn't married he would take me to dinner and fix my car. I declined.

When I arrived back home, I called his insurance company, Geico Insurance, to report the claim. After speaking to several adjusters at Geico, all of whom could learn something about customer service, I was told that hey would not be handling my claim because liability was disputed. I had already provided them with the photos that I had taken at the scene from varying angles, the police crash report and had also given them the witness's information. I was becoming very frustrated. I was told that their insured said that I ran into his truck while parking and that they could not reach the witnesses.

I went home that night, retrieved the witness's phone number and called her. She returned my call that same evening stating that she has been trying to get in touch with Geico but had to keep leaving messages. They have not called her back. She advised she would keep trying.

The next night I got home from work, there was a message on my answering machine from the witness stating that she has tried several more times and left several more messages to no avail.

During the first week, I also got an estimate completed for the damages. Geico had not bothered to even complete any estimate or pictures for their file. They requested that I get an estimate form their shop. This option was not convenient for me and I had asked for them to send someone out to where I live or work to inspect my vehicle. They refused.

Another couple weeks passed and they stated that they still could not get in touch with the witness and have officially denied my claim. The pictures plainly show that his vehicles entire rear bumper was sitting on my front bumper up to my hood.

It remains unclear to me why I have been able to reach the witness several times about this loss yet no one from Geico has been so fortunate. I feel bad that the witness has gone out of her way to help an innocent person by doing the right thing & this is still going on with no resolution. I have contacted the witness yet another time apologizing for the inconvenience that this has now caused her. Since there has been so much difficulty in Geico reaching the witness, I requested that she fill out a handwritten witness statement report/form for an accident. A few days later she left me a message that it was completed. I then called and asked her for directions to her home and went and picked it up. She left another message on my machine stating she left Geico another message stating that she felt that Geico was being ridiculous for what they are putting me through considering how many times she has called in to talk to them.

I have provided everything for Geico to be able to make a clear decision for this loss in my favor. I have completed a more thorough investigation into this loss and I am not an adjuster. If this is their standard operating procedure than I feel pity for anyone else that may have a claim with Geico in the past or future.

This is only a small minor claim which has been poorly handled. I have not asked for anything that I am not entitled too. I ask that my car be repaired and provided a rental car while it is in the shop. I should not have to lose time from work or money for something that was clearly adverse to their insured. I am also very disappointed in their investigation techniques and how I have been treated so unfairly by several adjusters in their office.

On another note, why didn't they speak to my 3 children that were with me at the time of the accident? Wouldn't' they be able to tell them what happened? They have made no effort whatsoever to properly handle this claim. I will be advising everyone that I speak to about this incident and how it was handled and so forth. I have already filed with the Florida Department of Insurance and made them aware of Geico's practices.

It is a sad that one of supposedly the high ranking insurance companies treat innocent people like this.

I will be happy to provide you with all of the same information that I have provided to Geico to assist with the handling of my claim. Please feel free to contact me.

All I want is Geico to pay for the damages caused by their insured and provide me a rental car of like quality while mine is getting repaired.

I also do not want to have to miss anymore work.


Reply



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by zharlen Posted Mon April 11, 2011 @ 3:37 AM

Depending on the state you live in, no fault insurance may be an
option for your car. Opinions on no-fault insurance vary greatly. Some
think it is the ideal type of insurance, others worry that it simply
increases cost for all. Even though it is called "no fault" insurance,
injured parties do usually nevertheless have some recourse if they're
severely injured. I found this here: href="http://www.cardealexpert.com/news-information/the-expert-explain
s/no-fault-vehicle-insurance/">The basics of no-fault vehicle
insurance

Reply
by Nelson C. Posted Thu February 26, 2009 @ 11:00 PM

Jill,

I want to wish you all the luck in the world because from my
experience about 4 years ago, GEICO knows how to avoid paying you even
one cent if their defendant says they didn't do it.

I never wrote this on PFB but to make my story short, I was driving
down a two lane double yellow road and a car on the side is waiting to
u-turn to the other side for a parking spot. I honk twice as I
approach him and he still pulls the U-turn and I hit the brakes and
veer into the incoming lane. We collide. The Baltimore police tells
me, "don't worry, this one is in the bag." I remember to this day
because GEICO took it to arbitration and got it to be No fault. Their
defendant apparently claimed i was trying to pass him on the incoming
lane. I should've just T-boned him and grievously injured him and then
he couldn't have said that. I had to pay out of pocket and my parent's
lost their umbrella coverage.

Insurance companies are pretty useless. They are only there as a
safety net for coverage.

Reply

by Nate. Posted Sat November 15, 2008 @ 6:22 PM

Jill- I would suggest contacting your own insurance as previously
suggested. I think that if you are getting no response, it is
necessary to try a different avenue.

Reply


by MA Cunningham Posted Sat November 15, 2008 @ 3:05 PM

Most insurance companies are not even going to deal with an individual
(or witnesses) involved in an accident that are not their customers.
They don't care.

It's very likely that the reason you aren't getting any response is
that this clown didn't really have insurance at all. I had a guy back
into my car in a parking lot and showed the cop on the scene an
insurance ID card for Progressive that turned out to be fraudulent.
He had paid the first month or 2 to get the card and then let the
policy lapse by not continuing to pay it!

Your best chance of getting restitution out of this moron who so
carelessly hit you (he didn't do anything because you weren't standing
right there? I'd love to know who issued HIS license!) is to contact
YOUR OWN insurance and let them go after him.

& if it were me, I'd have decked the SOB for making a pass at me after
wrecking my car and acting like it was no big deal!

Reply


When I witnessed an accident.. by Just Plain Harleycat Sun November 16, 2008 @ 9:41 AM


Well, but see by MA Cunningham Mon November 17, 2008 @ 7:59 AM


I think.. by Just Plain Harleycat Mon November 17, 2008 @ 9:17 AM


It's probably by MA Cunningham Mon November 17, 2008 @ 2:12 PM


Maybe some coffee and a donut will smooth things over, eh? by Donno Sun November 16, 2008 @ 9:21 PM


Hey now! by MA Cunningham Mon November 17, 2008 @ 7:37 PM


I beg to differ... by dulynoted (aka duttycalls) Tue November 18, 2008 @ 8:11 AM

by azcpitt Posted Sat November 15, 2008 @ 2:06 AM

As an insurance adjuster for a large company, I recommend you contact
your own insurance company. They can take a recorded statement from
the witness and forward it over to Geico since they so obviously do
not want to be helpful.
Also, just because your vehicle was in an accident does not mean that
you will have a rate increase or anything, it was/is a one sided
accident and is not at fault.
it will be much easier for you to go thru your insurance company then
it will be to get a 3rd party company to take care of it.
The claimant (or one at fault) will constantly lie in order to keep
from getting an "At Fault" Coding on their liscense.
Also in every state, you are allowed to use whatever company you want
for repairs. however you do have to get an estimate from a recommended
shop, that does not mean you have to get it repaired there. But
generally...you can get the company to send out a field estimater to
come out and do the estimate for you. so that is a little odd that
they denied that request...

Good luck

Reply
by bernie r. Posted Fri November 14, 2008 @ 11:46 PM

report this to your own insurance company. If the damage is less than
your deductible, then sue the guy in small claims court for damages

Reply


Good suggestion by Nate. Sat November 15, 2008 @ 3:12 PM


by Venice Posted Fri November 14, 2008 @ 5:57 PM

you should have reported this to your own insurance company. I don't
think you should have called Geico at all. If the damage is less than
your deductible, you might have to pay for the repairs upfront, but
your insurance company should be able to get the money back for you.
We've had our share of accidents over the years, and we never called
anyone else's insurance company. I don't think that's a good idea.

Did you report it to your company? I haven't read all of this, so
maybe you already answered.

Reply


Good point by Donno Fri November 14, 2008 @ 8:56 PM


Good experience by ST Fri November 14, 2008 @ 9:21 PM

Right by andrea f. Fri November 14, 2008 @ 9:06 PM


You said it a lot better by Venice Sat November 15, 2008 @ 1:49 AM

you're right by andrea f. Sun November 16, 2008 @ 6:54 PM
by Nicole F. Posted Fri November 14, 2008 @ 5:35 PM

Hey, get your insurance company to take care of this...it's what you
pay them for!

File a claim with your insurance company and they will go after Geico
for money...I thought that was what you were supposed to do in this
situation!

When I last got in an accident three or four weeks ago, I came home
and called Geico, which happens to be my insurance company and they
handled everything from then out. (I got great service from them too
and my parents have had them for several years, since they work for
the military and Geico back then operated for federal/military
employees only.)

Any time that a family member has gotten in an accident, we always
call OUR insurance company first, regardless of who was at fault.

Good luck...maybe you really should talk with your insurance company
and see what they can do for you.

Reply

by Casmly Posted Fri November 14, 2008 @ 4:53 PM

Florida is a no-fault state. Is it possible that Geico is allowed to
do this because no fault was assigned by the officer? It may be
perfectly obvious to you how the accident occurred, but if no blame
was assigned isn't that what no-fault insurance is required for?

I hope nobody thinks I'm trying to be snarky, I really don't
understand no-fault.

Reply


Good point...makes sense. That may be the reason Geico has by dulynoted (aka duttycalls) Fri November 14, 2008 @ 5:10 PM


I think by Venice Fri November 14, 2008 @ 5:59 PM

by amh Posted Fri November 14, 2008 @ 4:31 PM

First off, kudos to getting being prepared! Many people don't know
what to do when they have an accident (I learned the hard way
unfortunately).

Second, did you have the police list him as at fault in the police
report. I had a similar situation when I had my car accident and the
only reason the other lady's insurance paid was because the police had
put in their report that she was at fault.

Hope this gets resolved!

Reply

fault by andrea f. Fri November 14, 2008 @ 9:13 PM


Thank goodness! by RedheadwGlasses Sat November 15, 2008 @ 10:56 AM

Thanks for clarifying... by amh Sat November 15, 2008 @ 12:57 PM

by dulynoted (aka duttycalls) Posted Fri November 14, 2008 @ 4:31 PM

As for the rental Harley is right on the money.
If you have collision coverage then have your insurance company handle
this. Its what you pay them to do.
Also you do not get a comparable rental...you get whatever the
insurance company will pay for unless you want to upgrade to a bigger
modeland pay the difference.

I find it a bit strange that GEICO would not send an agent out to
review the damage done to both vehicles. Most insurance companies do
this as it saves time for both parties and the claim is then completed
quickly.

When someone slammed into my car door (9pm at night) I called my
insuance company immediately, they sent someone out the next morning
estimated the damages, called and had a rental vehicle delivered to my
place of work by 11am. I gave them my keys and the repairs done and
the claim completed within 72hrs from the time of the accident.
I guess I expect all insurance companies to be this thorough but from
seeing complaints like this they are not.

Reply
by PurPink Posted Fri November 14, 2008 @ 11:55 AM

You can also file a complaint with the Department of Insurance in the
state of Florida against GEICO or do it through your attorney
general's office.

After you make the complaint, GEICO will have so many days (usually 2
weeks) to respond as to the actions they took and why.

Reports like these do count against them in the state reported.

Reply


by Just Plain Harleycat Posted Fri November 14, 2008 @ 11:06 AM

You should report this to your insurance company. They will open a
claim, let you get your car repaired and them subrogate the claim and
go after Geico for their money. That's how it works as long as you
have collision on your car. I've done this several times.

Just for the record, you don't get a rental car of "like quality".
You get a daily allowance for a rental, I believe Geico allows $27 per
day and utilizes Enterprise. You then work with Enterprise to see
what they can get you for that much. Check with your insurance
carrier to see if the rental is covered under your policy so you don't
have to take the extra insurance out with Enterprise.

Reply


I agree! by RedheadwGlasses Fri November 14, 2008 @ 11:19 AM


I also wanted to add.. by Just Plain Harleycat Fri November 14, 2008 @ 11:23 AM

Geico is NOT easy to work with by BirmanCat Fri November 14, 2008 @ 3:43 PM


I was with Geico by Donno Fri November 14, 2008 @ 4:41 PM


I guess that sometimes happens.. by Just Plain Harleycat Sat November 15, 2008 @ 12:21 PM

deductible by JILL M. Fri November 14, 2008 @ 11:27 AM


That would depend on the policy.. by Just Plain Harleycat Fri November 14, 2008 @ 11:51 AM

It also depends on the situation by BirmanCat Fri November 14, 2008 @ 8:52 PM

by Donno Posted Fri November 14, 2008 @ 10:47 AM

What a shame. If the witnesses had been interviewed by the police
initially, I think this matter would have gone forward. Hopefully
someone here with a legal background can give you some helpful advice.
Good luck.

Reply

reply by JILL M. Fri November 14, 2008 @ 10:59 AM

by RowdyRetailer Posted Fri November 14, 2008 @ 10:09 AM

Why would the police want to talk to 3 children about an accident they
did not witness????


BTW, Please do not tie up 911 lines for non emergencies. If you were
shopping at albertsons you more than likely live near the city it took
place. Program the nearby cities police non emergency numbers in your
cell. Save 911 for people with real emergencies.


Good Day

Reply


911 by Donno Fri November 14, 2008 @ 10:42 AM

3 kids by JILL M. Fri November 14, 2008 @ 10:55 AM


Generally speaking.. by Just Plain Harleycat Fri November 14, 2008 @ 11:17 AM

Sounds like they might be older children. by Final Score: Boys-3, Girls-1 Fri November 14, 2008 @ 4:37 PM




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