Geico Incorrectly Recorded Mileage – Premium Increase Drama
I’m currently with Geico, and my monthly premium has jumped from $160 to $192—a 20% increase of $30 overall.
My new policy took effect in January, and I received an annual mileage verification request in December.
Attempt #1: I submitted the required proof via the email address provided in the mail.
=> The premium still increased as described above.
Attempt #2: I reached out through live chat, and the agent claimed they never received my documentation. They provided a new email address, but my account history indicates receipt. I resent the proof to the new email and received confirmation of receipt.
=> No change in my premium.
Attempt #3: I called customer service. The agent informed me that the system showed no updates. They promised to manually process it and instructed me to reply to their email, which I did.
=> Still no change.
Attempt #4: I called again to explain the situation. The agent told me that the system had been updated and they couldn’t assist further, advising me to resend proof after 90 days.
=> No change.
At this point, I feel:
- It seems no one at Geico knows what they’re doing. Despite multiple emails, they keep claiming non-receipt, even though my account history shows otherwise.
- One agent claims they can manually update the information, while another says that’s not possible.
- This is outright negligence on Geico’s part, and now I’m expected to provide proof again after 90 days.
Questions:
I’m curious how many others are experiencing similar issues. I have all the necessary documentation, and I’m sure phone calls were recorded, capturing the conversations.
Do I have any grounds for legal action? If so, what type of lawyer should I seek out? My online research mostly returns injury lawyers.
It sounds like you’re dealing with a frustrating situation. Insurance companies can sometimes have complex systems that lead to confusion, especially when it comes to policy adjustments based on mileage. Here are a few suggestions based on what you shared:
Documentation: Keep all correspondence, including emails, chat logs, and call records. You’ve mentioned having proof of your attempts to provide the correct mileage, which is important.
Escalation: If you haven’t already, ask to speak to a supervisor when you contact Geico. Sometimes, higher-level agents can resolve issues that front-line agents can’t.
Consumer Protection: You may want to reach out to your state’s department of insurance or a consumer protection agency. They can provide guidance on whether your complaint warrants further investigation and can often help mediate disputes with insurance companies.
Legal Action: If you feel that you have exhausted all options and still believe you are being treated unfairly, consulting with a lawyer specializing in insurance disputes or consumer rights could be beneficial. Look for attorneys who focus on insurance claims or contract law, as they will have the expertise specific to your issue.
Public Appeal: Sometimes, sharing your experience on public forums or social media can prompt a quicker resolution, as companies often want to maintain their reputation.
Lastly, while it’s valid to consider legal action, it’s generally best to explore resolving the matter through the company and consumer protection avenues first, as litigation can be time-consuming and costly. Good luck, and I hope you can get this resolved!