Ok, I am convinced GEICO is a rip off !!!!!

willie

willie

Well-Known Member

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chernmax

chernmax

NOT Politically Correct!!
If a deer ever walks out in front of my car, I'll floor it to make sure he gets good height over the rest of my car.

Question, what will cause more damage?

A. Car hits Deer
B. Car hits tree or other fixed object
C. Car hits other car in head on collision
D. Car jumps curb and hit's innocent bystander

If you picked A. you are almost always guaranteed not to get screwed by your insurance company. Keep it straight...:coffee:
 
willie

willie

Well-Known Member
Tomahawk202 said:
But think about it this way too: Aren't insurance companies wrong for telling you to hit the deer? I mean, yeah, it's bad to swerve, jump the curb and crack your bumper, but hitting the deer, just to get some stupid fur on your hood, that's dangerous and down right wrong. You could REALLY lose control and hit someone else, hit a tree and wipe the car out, or kill yourself in the process. And for what, some proof that no matter what happened/happens, you hit a deer? That's irresponsible, and should be against the law.
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I can't believe an experienced driver said that.
 
C

CalvertNewbie

Guest
chernmax said:
If a deer ever walks out in front of my car, I'll floor it to make sure he gets good height over the rest of my car.

Question, what will cause more damage?

A. Car hits Deer
B. Car hits tree or other fixed object
C. Car hits other car in head on collision
D. Car jumps curb and hit's innocent bystander

If you picked A. you are almost always guaranteed not to get screwed by your insurance company. Keep it straight...:coffee:
Click to expand...

Sad but true. Hitting any type of animal is considered a comprehensive loss. Many insurance companies won't surcharge your policy for comprehensive claims, including GEICO. Swerve to avoid hitting the deer and it's considered a loss of control collision claim, an at fault loss.

Depending on how long someone's been with GEICO and their driving history, rates may or not be increased after an at fault accident. Whether or not there was a police report filed, insurance companies have their own reporting system/data base. That's why they can usually see previous claims/payouts even without the police filing a report.

Tomahawk, I'm glad you and your daughter weren't hurt.
 
H

hammishsqueak

We're all mad here.
I hit a buck on Route 4 passing Dowell Road heading Northbound a few years back. It was late at night and nobody was around, fortunately. I hit the brakes as hard as I could without locking them up and the buck clipped my passenger side mirror, taking it off and leaving a snot-blood trail down my car. Yuck. I called the police because he was limping around by the road, injured, but then he took off in the woods before the cop could get there, probably to die. I thought that my whole passenger side door would be dented, but he only took of my mirror.

I think different insurance companies have different policies.The first thing State Farm asked me was if I hit the deer or if it hit me. Huh? I said, "It hit me! It ran into the side of my car!" They said, "Oh, ok. Just making sure. If you hit it, you'd be at fault". So, this still confuses me. Do they mean that if I swerve and hit it I'm at fault or if I hit it PERIOD I'm at fault?

Either way, I've never had trouble with State Farm. Then again, I came off of my parents' policy about four years ago and they've had State Farm for a good 30+ years. Check them out. I haven't been in any accidents, but I have had to file claims for little things over the years (broken windshield, drunk badly damaged my parked car after and took off) on both cars that I've owned and never had any problems whatsoever. Several good friends of mine have HAD Geico and switched to either State Farm or Progressive.
 
JimW711

JimW711

Driving the Z
Ever see that insurance commercial where the 2 squirrels are in the road and the car comes up and swerves to avoid hitting them? Then the squirrels do a little congratulatory bump?

Trust me in the fact that I'm not about to swerve to avoid anything, unless it's a child.
 
V

vince77

Active Member
I hit deer 3x one winter......Insurance company put those silly deer whistles on my car after the last one.....hit the deer
 
W

Wenchy

Guest
JimW711 said:
Ever see that insurance commercial where the 2 squirrels are in the road and the car comes up and swerves to avoid hitting them? Then the squirrels do a little congratulatory bump?

Trust me in the fact that I'm not about to swerve to avoid anything, unless it's a child.
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You will swerve to avoid a child and possibly take out a minivan with an entire family instead, along with yourself? Split second decision.

The squirrels are :high5:
 
N

nana

Nana
CalvertNewbie said:
Sad but true. Hitting any type of animal is considered a comprehensive loss. Many insurance companies won't surcharge your policy for comprehensive claims, including GEICO. Swerve to avoid hitting the deer and it's considered a loss of control collision claim, an at fault loss.

Depending on how long someone's been with GEICO and their driving history, rates may or not be increased after an at fault accident. Whether or not there was a police report filed, insurance companies have their own reporting system/data base. That's why they can usually see previous claims/payouts even without the police filing a report.

Tomahawk, I'm glad you and your daughter weren't hurt.
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I have had geico for 15 years 3 kids (2 boys) and never an issue including a couple of deer accidents you either had no idea what to say or you had the wrong coverage
Came off of Allstate after a "no fault" accident cost me increased premiums and headache
 
P

peanutman

New Member
I would advise everyone to call around and get prices quotes! It cost nothing but a little time. As soon as you tell your current insurance company your leaving, they will try and match their rates.
 
Rumrnr

Rumrnr

....where's the rum?
Ditto

peanutman said:
$1000K deductable and they still went up by $300,OMG! I would leave them in a second. I just left my insurance company and went with Erie.
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Left Geico and went to Erie! Call Ken McConkey in Waldorf. Hes a great Agent! I moved my house and Car there and got a great Rate! 301-843-8211
 
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