Subject: Can I Get Reimbursed for Unapproved Rate Increase?
I recently discovered that Geico added my mother as a primary driver on my car insurance without notifying me. She visited six months ago and had an at-fault accident while driving my car, with my permission. At that time, I explicitly told Geico that she was just visiting, maintained her own insurance, and lived in a different city.
Initially, I thought my increased premiums were a result of the accident, but upon closer inspection, I found out that she had been listed as a primary driver without any notice or mention during my conversations with Geico. Once I removed her, my rates returned to what they were prior to this issue.
Is there a chance I can get reimbursed for the additional premiums I’ve paid over the last six months? The difference amounts to nearly $2,000.
You may have a case for reimbursement, but it ultimately depends on Geico’s policies and the circumstances of your situation. Here are some steps you can take:
Document Everything: Gather all relevant information, including your original policy documents, any communication you had with Geico, and details about the crash and your mother’s visit. This will help you present a clear case.
Contact Geico: Reach out to Geico’s customer service and explain your situation clearly. Make sure to mention that you never authorized your mother to be added as a primary driver and that you were unaware of the change until after you noticed the increase in premiums. Request reimbursement for the difference in premiums.
Ask for a Supervisor: If the customer service representative is unable to help you or doesn’t provide a satisfactory response, ask to speak with a supervisor. Additionally, make sure you document whom you spoke to and any reference numbers.
Review the Terms: Look through your policy to see if there are any clauses that address situations like this. Understanding your policy can help you argue your case more effectively.
File a Complaint: If you are not getting a satisfactory resolution, you can file a complaint with your state’s insurance regulatory agency. They may be able to assist you in resolving the issue with Geico.
Consider Legal Advice: If the amount in question is substantial and you feel strongly about your case, consulting with a lawyer who specializes in insurance issues may be beneficial.
It’s worth pursuing since the difference amounts to a significant sum, and clear communication with Geico will be key to resolving the issue. Good luck!