Geico is some B-OCHES!!!

[mk162]

I am back with state farm after going ot progressive.  I am VERY happy to be back.  I have never had a problem with them in the years of claims I've had.  Mostly small claims, but still, they are a great insurance company.

The best part is, it's about the same price as all the others with the discounts I get.

[Gilligan]

Honestly I had NOTHING but problems with Statefarm.... then found out one day that I was paying WAY too much because of a "computer glitch" that had me in the wrong group for years!

That was the last straw, I left at that point.

[mk162]

That is so funny, we've had state farm as a family FOREVER and it's seriously been the easiest insurance I have ever dealt with(home, auto & boat).  Business liability/health/etc have been terrible.

[Fresh Baked Printing]

The reason you see so many insurance commercials is because people shop and switch insurance companies very frequently. I forget the number, but something like people switch on average, every 6 months or something crazy. Feel free to correct me.

[Gilligan]

That is so funny, we've had state farm as a family FOREVER and it's seriously been the easiest insurance I have ever dealt with(home, auto & boat).  Business liability/health/etc have been terrible.

Once someone hit my car and totaled it.  Of course they were fighting fault (but eventually settled)... in the mean time I had to claim it on my insurance (State Farm).... what a nightmare.  I had to fight them every step of the way trying to get my car paid for.  Then they lied to me about pulling off my aftermarket parts, eventually gave in.  That is what led to the "computer glitch"... the computer supposedly couldn't tell the difference between a regular claim and that one which was a not-at-fault accident.  So I was stuck in the wrong group for years.

Then there was the time that I ran over a 4x4 that fell off a truck and dented my rims... they called that a collision and not a comprehensive claim.  They told me if the 4x4 would have bounced up and gone through the windshield and killed me THEN that would have been comprehensive and not collision.  Because I was "lucky" and it went under the car it was collision.  nice!

[ebscreen]

The reason you see so many insurance commercials is because people shop and switch insurance companies very frequently. I forget the number, but something like people switch on average, every 6 months or something crazy. Feel free to correct me.

The reason you see so many insurance commercials is because they rake in cash semi-legally and can afford to (and tax wise, need to)
put advertising in front of you everywhere. Effing blimps and whatnot.

I eye with mistrust any company or industry that can afford to spend that much on advertising. Think about it, what ads do you
see most frequently? Insurance, pharmaceuticals, lawyers, etc.

[Doug B]

 Been with GEICO for nearly 30 years. Two claims (my wife's doing) and not a complaint.
Rental cars were free. Everything paid. No problems ever.

[Donnie]

What? Having a problem with insurance? NFW! It can't happen.

[mk162]

At least if you need it, you have some legal recourse.

They should be able to use that money to credit future premiums, or they should give you a check.  Threaten them with the state insurance commissioner.  They will wise up really quick.

[Gilligan]

They are crediting back my CC... but that is WAY beyond the point.  In fact damage is done on that fact... CC is already over the limit, crediting back doesn't change that it went over.  And if you think CC's are "understanding" then this entire thread has missed it's target. ;)

[mk162]

Yeah, CC are less understanding than insurance companies.  But hey, don't like them, you aren't forced to use them.

Actually, I usually have good luck making a case for them waiving their fees.  It's not like I haven't paid a ton of interest in my life(I learned my lesson).

[Gilligan]

Yeah, I will get out of any hit I take over this... it's just the principle of the matter.

I started up two businesses, had a baby and bought a new house in the last 2 years.... CC's as much as a fall back option do end up being relied on from time to time.  ESPECIALLY with slow paying clients! Grrr!

[mk162]

I understand your situation...trust me.

The biggest lesson I have learned from others and somewhat from myself is NEVER let a company auto-draft or auto-debit.

That being said, 2 companies do that.  UPS( evidently we have to, but I am not sure about that) and our bank(they have our money anyway and I got a better rate with auto draft and it's the same amount for 36 months).

Every other bill I look at before paying since I like to know if there is an error or mischarge.  You'd be surprised how often there are errors on vendor bills.

[Gilligan]

I normally do, but I don't want to slip and let insurance lapse... so I opted to make it easy on my nerves.  <--- LOL