On June 03, 2005, I was involved in an automobile accident involving just my car. I had went off the road and was thrown from my automobile, injuring myself very badley.
I filed a claim with my insurance carrier GEICO GENERAL INSURANCE COMPANY, for my medical expences. I had excellent coverage, under my PIP/ policy $ 30,000.00 to be exact. At first my medical bills were paid with no problem, and then my claim was re-routed to a differnt adjuster, by the name of Barbara Giammetta. This lady was very rude, unprofessional. At some point GEICO started questioning my medical bills, saying that my injuries were not a result of my accident. They even denied on statement and then later paid the matter. I was receiving letters from the Adjuster that had been doctored and altered in date. Example: On October 07,2005, the adjuster wrote a letter that did not arrive until October 21, 2005, the same day a letter dated October 19, 2005 had arrived. It took that one letter over 14 days to make it to myy home when the 2nd one took only 3. She denied this ever happening however I made copies of the postmarked date, as well as the letters. When I felt I had enough of her behavior, I confronted the adjuster who would hang up the phone on me several times. Finally she contacted me back and informed me that she was sening out somone to look at the accident scene. This was not a problem until the date I met with the lady she sent out. This lady accused me of being drunk, several times, ” She stated. ” Come on you know you may have had just a little bit to drink” The fact was, I DID NOT. This lady was more interested in taking pictures of my aunts dog than, to find out what really happened. I instructed her to leave at once.
If that was not enough, my insurance carrier sent me for an exam with their own private doctor. This is not uncommon, however their doctor states that I had reached max improvement. Based on his report, my carrier stopped paying for treatment that my Neurologist and Family doctor feel is required. Thats right. My own doctors who have treated my injuries since June 03, 2005 and more familiar with my condition has documented a need for on-going treatment and Therapy. However becuase their doctor who examined me for less that 30 minutes , ( and of course was paid by the insurance company) stated I had reached max inmprvement, they are now refusing to pay for any additional medical.
Geico has harassed witnesses, called them liars. I filed a complaint with the Department of Insurance concerning their behavior. It is still pending. Geico has called my healthcare providers and lied and made up false information concerning my claim and treatement. I am more than likley going to sue my own carrier for their actions.
I want everyone to know that if you have ever had a problem with GEICO or any other carrier, please contact the Department of Insurance in your state. They can assist you with most problems that you may have. For those who are thinking about changing carriers, please research their complaint ratio online with the state. They will tell you how many complaints have been filed in your home state.
The next time you see that little green Geiko on TV that wants you to switch to GEICO, think long and hard about doing so, until you have taken the time to research this company. They are bad news!!!!!!
Sincerely,
E. Shawn Rice
Lexington, Kentucky