Geico VS. State Farm - Opinions

[uummm]

I have a TEENAGER on mine....we don't have collision either, so what we pay won't matter...1996 Saturn, 2000 Ranger we pay about $1200 for vehicles but like I said, we have a teenager on ours AND he has had an accident.

[Liz]

After having an almost 5 year ordeal that just ended this weekend, through which GEICO was my insurance company, as well as several claims prior...

When I was hit and another woman was at fault, they handled everything for me with her insurance company (including sorting out her information--she didn't have a great grasp on the English language). Glass claims, not a problem.

Major accident in 2005. I was 0% at fault, but the insurance company in the other state was able to say I was 1% at fault thus they refused to pay anything (I could have been sitting at a red light stopped, plowed into from behind, and I'd be 1% at fault per this other out of state insurance company). The other insurance company is ignorant of Maryland laws, so GEICO paid out the value of my totaled car minus the deductible. They went through their right to subrogate, filed at the end of 2006 and included my deductible in their suit. I filed a personal injury suit at the end of 2007. GEICO's lawsuit never went through due to inability to serve the other parties. Mine had that issue as well--and as soon as my attorney located them in the beginning of 2008, I contacted GEICO numerous times so they could attempt service again. Long story, GEICO sat on it until late spring 2009. Reopened and went to court in September 2009, and summarily dismissed (both side's counsil agreed to it--I had never spoken to the attorney who showed up, but I was in constant contact with the attorney who was handling the case; I guess he may have had another case to attend to that day).

Short to say, I was PISSED. Because of their negligence, I was out $500. When they filed and filed on my behalf, I couldn't turn around and filed my own suit. I laid into their staff counsil outside of the courtroom, and let her know I didn't care where the money was coming from, they owed me the money because it was their sheer incompetance that landed me in this position (if they don't recover their money, technically they don't recover mine either and the issue is dropped; but that issue applies to losing the case). I was quite aware that there is a part of the law that can and does hold an attorney responsible if they do not act in a timely manner and it is that sole reason that you do not collect, one can turn around and sue the attorney for the amount you would have recovered. In other words you have a case for $1million medical malpractice and sign a retainer with an attorney to be your counsel on that case, but the attorney takes a year to file thus going outside of the statute of limitations, you can turn around and sue the attorney for $1million. I had a papertrail, and had no problem hiring an attorney on principle to go after my $500, plus the legal fees I would incur. Needless to say, GEICO stepped up and did the right thing, and I recieved a $500 check a month after laying into the attorney in court (no other contact, a letter was planning to be delivered this week in person though had this odd change of heart without prompting not occurred).

In short, I've only been peeved at GEICO for a month. But my parents have had a policy with them for about 25 years, and they are hands down cheaper than Progressive, AllState, and StateFarm for both mine and my parents situations. I'm talking the same policy with other insurers would be 2 to 3 times more expensive (though my parents are federal government employees, so that may have something to do with it as well).


And as to the woman whose husband was determined as at fault for backing up--I hope that sticks. Always fun when people think others should back up for them, endangering themselves and putting them at risk for an accident, just to make someone else happy. Had that same situation occur on an errand prior to picking up a fat settlement check from my car accident--my attorney just laughed and told me I was completely in the right for not being stupid enough to back up into oncoming traffic. Woman was absolutely pissed I wouldn't move for her, but c'est la vie.

[awainwright]

we're with Allstate and I pay 87 a month for full coverage on a 2005 chev truck, 2003 escape, my husbands cargo trailer and our pop up camper. and i LOVE our agent, mainly b/c it's ME, lol.

i'll be honest and tell you that while our prices on auto are awsome, homeowners isn't the best right now but definitly not the worst.

my only complaint with geico is that it's usually online based only and it can be harder to get things done when you aren't able to talk to the same person all the time or see their face, kwim?

State farm is a good name with a good reputation