If an insurance company is going to provide glass replacement
under your comprehensive coverage, why would you NOT expect to
show there is no previous glass breakage? Normally when you deal
direct, rather than with an agent, they ask for five pictures of
the four sides of the vehicle and the interior. An insurance
company sets YOUR rate based on the drivers and the vehicles.
There is enough information in your VIN numbers to set the rate
the vehicles. All they need is type of usage and annual mileage.
Drivers among another things are rated up or down by age, number
and frequency of accidents and license suspensions and/or
revocations. To do that they have the right to access your
driving record and that of any other driver, licensed to that
household or residing in that household, even those not listed as
drivers of the vehicle one intends to insure with that insurance
company. Most state insurance laws require one to list all of
the drivers listed with the motor vehicle department as licensed
to that address, even if they own their own vehicle and have
their own policy. Most states require every policy issued to that
residence to carry the SAME policy limits, in addition, so one
can not group all of the high risk drivers to the oldest vehicle
and carry only the minimum coverage required by the state. The
problem for the insurance company, you see, is they must insure
the liability of your vehicle no matter who is driving at the
time the liability loss is incurred, even if it is being driven
by your brother in law from Canada or a thief!



mike hunt



Nospam wrote:
>
> I was looking for a cheaper rate on my insurance of 3 cars when I
> decided to give geico a call , I couldn't believe it, I would save
> over $ 225.00 every 6 months with them if I left my agent I had for 10
> years with Allstate Insurance.
>
> Well I decided maybe change was good, boy was that ever a mistake, it
> all started with a letter saying I need to get my windshields
> inspected, never did this with any other agent or insurance company,
> so I called them and basically told them if they want to see the
> windows, they can send someone out cause no way was I going to drive
> all three vehicles to the inspection station that was 37 miles away.
> After a conversation with their supervisor they said to ignore it.
>
> Ok
>
> Then I get a letter several weeks later saying they need information
> on a person who at the time I was to marry. boy this was even a bigger
> mistake. I told them that the person NEVER LIVED IN my house and only
> drove one of the vehicles once in a month to the local store if that,
> and in fact we were no longer together so I couldn't supply this info
> and I DON'T WANT them on the policy.. Well they came back and said, we
> have to have this information or your rate will go up or we may even
> cancel you, I told them they were crazy, this person should not be on
> my policy and I don't want them on it. they said you have to have all
> people in your household on the policy, after telling tem again THEY
> DON'T LIVE HERE AND NEVER HAVE, I decided I was getting NO where with
> GEICO and it was a big mistake leaving my old agent. DON'T GET ROPED
> IN BY LOW RATES THAT ARE TO GOOD TO BE TRUE. GEICO customer service
> was terrible and I wonder what actually making a claim would be like
> if I had these problems..
>
> GEICO INSURANCE IS TERRIBLE AND CUSTOMER SATISFACTION IS NOT HERE .. I
> AM TOTALLY DISSATISFIED. I WOULD NEVER EVER TELL MY FREINDS TO GET
> GEICO NEVER......maybe my enemies yes.