Subject: Question about Reimbursement for Incorrect Insurance Charges
I recently discovered that Geico added my mother as a primary driver on my car insurance policy without my knowledge. She visited me six months ago and had an at-fault accident while driving my car with my permission. During that time, I informed Geico that she was just visiting, had her own insurance, and lived in a different city.
When I noticed that my rates had more than doubled, I initially thought it was due to my car being involved in the accident. However, I later found out that my mother had been added as a primary driver without any prior notification or mention during my conversations with Geico. After removing her from the policy, my rates returned to their previous levels.
Is there any way I can be reimbursed for the approximately $2,000 in increased premiums over the last six months? Thank you!
It sounds like you’re in a frustrating situation, and you’re right to seek clarity on this matter. Since your mother was added to your policy without your knowledge, you should contact Geico to discuss this issue further.
Here are some steps you can take to address the situation:
Gather Evidence: Compile any documentation related to your conversations with Geico, including dates, times, and what was discussed regarding your mother’s insurance status. Also, keep records of your premium changes.
Contact Geico: Reach out to Geico’s customer service or your agent directly. Explain the situation clearly, focusing on the fact that you never authorized your mother’s addition to the policy and that you informed them she was only visiting.
Request Reimbursement: Politely but firmly request reimbursement for the increased premiums over the last six months, citing the lack of communication and the fact that her being on your policy was unauthorized.
Escalate if Necessary: If initial attempts do not yield satisfactory results, ask to speak with a supervisor or try reaching out via their official channels (e.g., social media or written correspondence).
Stay Persistent: Sometimes, these matters require persistence. Keep following up until you reach a resolution.
If you don’t get a satisfactory response, you might consider filing a complaint with your state’s insurance regulator or seeking legal advice for further options. Good luck, and I hope you can resolve this issue!