How long for geico to pay my total loss. Been 2 months

[Nybdm]

Hi everyone,


I've been searching online for some feedback regarding my total loss and been searching through this forum. I couldn't find exactly what I was looking for so I decided to post it. I appreciate any information you guys would be able to provide.

About two months ago I got into a one car accident (only my car). Car was towed to a yard and waited for the adjuster to check out the car. Adjuster came about 3 days after and called me to tell me it's going to be a total loss.

I do have full coverage on the car and a lien which doesn't owe that much. The adjuster explained that he will need to adjust the value and I would have to send my title in when the salvage team contacts me. I signed the release form from the yard and geico took the car after it sat there for about 2 weeks.

Also note, The car wouldn't turn on so the adjuster couldn't get the exact miles on it and told me he will get the a mechanic to turn it on to read the miles.

Fast forward about 1 month, I try calling the adjuster weekly to get updates on the status but there is no updates. After calling customer service because of my frustration, the adjuster calls me back and gives me a better run around that the car is waiting for the salvage team to contact me in order for me to sign some documents and send in my title.

I call the salvage team because i was never contacted by them. They tell me that the settlement hasn't been approved by the supervisor so they cannot send me anything.

I'm thinking maybe the adjuster needs some more time so I hold off.

Now about 2 months in. I don't bother calling for 2 more weeks and yet no update from the adjuster. I called last week and the call gets forwarded to another adjuster maybe because the current adjuster is out of office. I leave a detailed message and still no call back.

Now I called this week again and left a detailed message to the current adjuster and asking him to call me back with a update.


Has anyone experienced this with geico? I don't understand what the problem or delay is. Does anyone have any recommendations on how to go forward? Am I perhaps rushing this situation?

 

[fed up]

The holidays have interfered with your timing but call the Claims office and let them know that you are without a vehicle. Are you driving a rental? Don't let the person off the line without an update or bouncing up the call tree to get a solution. 2 months without a settlement is not standard and you are paying for a vehicle you are no longer able to drive.

 

[Allen Trent]

Does anyone have any recommendations on how to go forward? Am I perhaps rushing this situation?

Call your agent or local agency.................never mind, you chose to buy online direct. I guess you are now the advocate and will have to navigate the process alone. Looks like you are no longer saving those 10-15 minutes you once saved.

 

[Nybdm]

Call your agent or local agency.................never mind, you chose to buy online direct. I guess you are now the advocate and will have to navigate the process alone. Looks like you are no longer saving those 10-15 minutes you once saved.

I actually have a agency where I got my policy from. I probably should've reached out to them first but I will get in contact with them today. Thanks.

 

[fed up]

I actually have a agency where I got my policy from. I probably should've reached out to them first but I will get in contact with them today. Thanks.

Don't leave a message with anyone. Call your Claims contact and demand an answer while you are on the phone. Your time is just a valuable as theirs and 2 months to make an offer is not normal for any straight forward claim. It could be your lender not getting back with a payoff amount however and the claim will not be settled until Geico knows who to pay and how much. Call your bank and ask for a payoff amount and use that in your call to Geico

 

[RichardCO]

Call the Insurance Commissioner for your state, they will have someone that handles these type complaints.

 

[fed up]

Call the Insurance Commissioner for your state, they will have someone that handles these type complaints.

A simple question such as this should not need to go that route. Leaving messages seems to be the only mistake here. We, as a profession and industry, seem to think it is okay not to answer the phone and return calls if we feel like it. Not me, not you but so many in claims and underwriting. Don't want to go down the path of new business and renewal business keeps their jobs but certainly get that feeling some days. Too many companies cutting back on the number of employees to field and answer the calls. Off my soapbox.

 

[RichardCO]

I appreciate "Fed up"s reserve but it doesn't solve the problem. The insurance contract stipulates responsibilities for both the insured and the carrier, seems like the carrier needs a reminder. Contacting IC office is not really the big deal it sounds like. Generally the IC contacts the carrier who is given a stated time in which to respond. Problem will be solved.

 

[Change Request]

A simple question such as this should not need to go that route. Leaving messages seems to be the only mistake here. We, as a profession and industry, seem to think it is okay not to answer the phone and return calls if we feel like it. Not me, not you but so many in claims and underwriting. Don't want to go down the path of new business and renewal business keeps their jobs but certainly get that feeling some days. Too many companies cutting back on the number of employees to field and answer the calls. Off my soapbox.

Thank you. I have been in this industry for many years and am always amazed at this. It is shocking to see people just ignore a call. Its completely unacceptable in any other industry, but it is constantly occurring with claims.

 

[Allen Trent]

Thank you. I have been in this industry for many years and am always amazed at this. It is shocking to see people just ignore a call. Its completely unacceptable in any other industry, but it is constantly occurring with claims.

sadly, it is part of most industries now. TV commercials show immediate call pickup, spotless service, all happy clients. Insurance ads show people waiting to talk to you 24-7, all bizarre claims paid & within in minutes.

however, to chase the mantra of cheaper is better, the customer service of most industries is really poor & more common to be handled by chat bots on websites. cell companies, internet, utilities, investment companies, banks, retail & of course insurance. it is the new normal of advertising pure bliss regardless of reality