BEWARE! BEWARE! BEWARE!! If you get into a vehicle accident with a GEICO insured driver be prepared to be declared the guilty party whether or not you caused the accident. My son was side swiped on the H1 by a Lexus driven by driver Kevin. My son had to follow him several hundred feet, flash his high beam, and honked his horn 2x to get Kevin to pull over and stop. Kevin admitted blame, apologized, said he drifted off ( fell asleep?). My son, never been involved in an accident, was shocked, and dazed. Kevin knew what the procedure was after getting involved in an accident bc he told my son and my son's friend that he was involved in 2 accidents previous. Really!? This boy is only 20 yrs old!
I filed a report w my insurance being that the car is registered under my name. My insurance agent placed a 3 way conference call with Geico. The following day, Megan, Claims Examiner for Geico, Kapiolani branch, did a PHONE interview w myself, and several minutes with my son. My son was very truthful w his accounts of the accident. :50mins after the call from Megan, I received an email stating,"Based on the information we have at this time, we do not believe that our insured is legally liable for your damages....... GEICO must deny liability for your damages." WHAT!? My son was side swiped, the young man admitted blame, but did his story change? Megan performed her investigation on the PHONE, never sent an adjuster to examine either vehicles, never saw the pics my son took of both vehicles, did not interview either my son's passenger or the Lexus' passenger but yet made a determination within 50 mins that my son was at fault. BTW, Kevin never took pics of the damaged cars. Luckily my son did, unfortunately, to no avail!
We filed a claim w our insurance and you would think that if you drove a Lexus, was involved in an accident and wasn't at fault, a call to your insurance agent would be immediate. GEICO was not notified, no claim filed for the Lexus and GEICO was not aware of the accident until my agent called.
Livid with the instant decision of fault by Megan, GEICO Claims Examiner, I was very anxious to get an explanation of the rush decision. DON'T BOTHER! Their decision is written in stone! As I spoke of my concern w the rush decision all I heard on the other line were keyboard strokes. I had to ask if she was still on the line and her response was, " Is there anything else you would like to add?" WHAT!? I wasn't making a report! I called to have a conversation to get an answer to my question on how an important decision on an accident can be done w/in :50mins! Don't bother asking to speak to a supervisor also. Thinking maybe I can have a conversation w someone who isn't "typing", I requested to be transferred to Liability Supervisor Steve. However, his monotone speech and with the disinterest in my concern I viewed it as very unprofessional and an exact example of the employee who he supervises.
I do have an appointment to meet with their adjuster 5 days from today! I had to request for the appointment since a physical investigation was, again, NOT required by Examiner Megan to make her determination. I guess I am still hopeful that the direction and angle of the damage would be proof that my son was side swiped, and the victim.
Bottom line: call 911 and request for a police officer to report to the scene of the accident no matter how minor/ small. 2nd and most important, avoid being involved in an accident w a GEICO insured driver! If your insurance is other than GEICO you are already declared the guilty party even if your were/are the victim! Please note that my comments are only in reference to the Kapiolani Blvd. GEICO office, and interactions were w Megan and Steve. read more