Geico raised my rates due to an “unreported accident,” but my experience doesn’t align with that claim. I was insured with them previously and had no accidents on my record. In 2022, I did call roadside assistance when my boyfriend and I were coming back from the airport and his tire actually came off the wheel. Fortunately, there were no crashes, collisions, or injuries; we simply pulled over and I sought help to get a new tire. I’m not sure what exactly I said during that call, but we ended up not receiving any assistance, and I never heard anything further from Geico regarding the incident.
Fast forward two years, and I received a notice that my rates had nearly tripled. When I inquired about the reason, they couldn’t provide one—except for labeling me a high-risk driver. I assumed this was related to my safe driving habits.
Currently, I’m with Progressive, but I considered returning to Geico after receiving a reasonable quote. However, just as I was about to finalize the purchase, they inquired about that unreported incident and whether my boyfriend was named on my policy at the time. He recently switched to Geico, but I’m puzzled about how they connected him to that situation since I don’t recall them asking for his information when I called roadside, and he certainly didn’t file a report.
It’s strange to me that Geico didn’t mention this incident while I was their customer, and now it seems to be a factor in adjusting my policy quote.
It sounds incredibly frustrating to deal with unexpected rate increases, especially when you haven’t had any accidents. It’s understandable that you’re confused about how Geico flagged you as a high-risk driver based on a roadside assistance call that didn’t involve an actual incident. Insurance companies often have access to various databases and claims information, which can lead to situations where they might connect unrelated incidents, even if they weren’t formally reported as accidents.
It’s possible that your boyfriend’s connection to Geico played a role in how that information was relayed or flagged. Insurance companies sometimes share information, and if his policy included any details about that situation, it could have impacted your quote.
Switching to Progressive sounds like a good decision if their quote is more reasonable, but make sure to thoroughly review the terms and fine print to prevent any surprises in the future. Additionally, you might want to consider directly asking Geico for clarification on their policies regarding how they handle roadside assistance calls and accidents to better understand your situation. Good luck!