Geico is the worst go with Progressive... 15 mintues does not save
My story, on Jan 19, 2007, I was sitting at a stop sign. A vehicle approached from the left, never stopped for his stop sign, side swiped my truck hitting the rear wheel and sped off. I pulled over to the curb, called the police and waited. The police responded and made a report. It was 10:30 at night so I called first thing the next morning to report the claim.
I called and was givent he name of an investigator that would handle my claim and would call back. I waited and no call. I called back and was told to bring the vehicle in to have the damages inspected. I did so. The adjuster inspected the damages and gave me a check for the amount of damages minus $500.00 (collision deductible). Remember, I was sitting still and was hit. It was not my fault. I called back and spoke to the investigator that was assigned to me and after receiving the police report, she mailed me a check for $250.00.
Ok. They tell me I must put the truck in the shop on a Monday because they will not pay for the weekend rental only Mon-Thur, the time they estimated it would take to make repairs. I can only get an appointment for the following week as it is already Monday when I call the Cadillac body shop. Now, I have to drive a black truck with green paint down the side of the it for a week. I get it to the shop and the wheel that the driver hit is bent. This is when the major problems start. You see, I have custom wheels on my truck.
First they tell me they will not cover the wheel because it is aftermarket and I did not have the aditional coverage. I explained to them that no one ever told me I needed this additional coverage and that the vehicle was physically inspected before they wrote the policy and these were the wheels on the vehicle at that time. Ok, now its March 2, 2007. It has taken them this long to go to the body shop inspect the wheel to see if it was damamged. Finally, they decide to cover the damage as it is an uninsured motorists claim and they did inspect the vehicle so they have to cover it as is. End of story right... WRONG! After searching for two weeks the dealer cannot locate a match for my wheel. Great they found one and its on the way from Florida. Oops, no it isn't. We forgot, this wheel is no longer manufactured. Cadillac calls me to pick it up and pays me the price of a replacement wheel which of course is 250.00 less than we actually paid. Now what? I drive my truck home impeding traffic as I am scared to drive it with the rim wobbling.
I contact the company we purchased them from along with another company and they contact the manufacturer and cannot get one. I now have a truck with three wheels on it. I cannot put the factory wheel back on it as it is two sizes smaller than the custom wheels. I contact my original claims adjuster. Yeah, I had a couple that they kept switching between. I explain that the wheel is no longer manufactered and the factory wheels have bad tires on them and I still have no vehicle to drive. What to do? He explained to me that in situations like this, and I quote- "we will either provide you with a set of new tires so you can put your factory wheels back on the truck and drive it of we have to replace a complete set of matching wheels of equal value". I opted for the latter. He further goes on to tell me to shop around over the weekend to find a set of wheels that are comparable and fax my results to him on Monday. I call him to get the fax number and he tells me that he spoke to his supervisor about this and they have decided that they only owe me for the one wheel and thats all they will pay. I contact his supervisor explain the situation and he basically tells me I'm out of luck and that I need to search ebay to try to find a matching wheel. At this point, I'm livid as I am still without a vehicle and it is March 21, 2007.
I am still searching the internet in hopes of finding a matching wheel. Geico reps aren't as freindly as they were in the beginning. To add insult to injury, I have now incurred costs for a $250.00 deductible and $348.00 for the fees they would not pay for the rental I had. I am waiting to hear from the Maryland Department of Insurance who I might add agrees that I should be compensated since this is after all an Uninsured Motorist Claim!
Oh yeah, did I mention my family and I now have to rent a vehicle to take a prepaid trip we planned months ago.
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