How To File Geico Insurance Complaints and Get Compensation You Deserve
Geico Insurance is an insurance provider with over 6.5 million customers and $14 billion in annual revenue. They are a stable company that has been around for over 45 years, but this doesn't mean that customers will always have a stellar experience.
In recent years, a lot of Geico insurance holders have complained about the quality of their service.
Complaints about Geico insurance can be summarized in three major categories:
- Geico customer service representatives are rude and unhelpful
- The claims process can be very lengthy, which affects the Geico customers who need their cars repaired as soon as possible
- The company will not respond to customer emails or complaints through social media networks such as Facebook and Twitter.
If you've had trouble with the insurance provider, this article will show you how to file Geico claims complaints fast and sue the company in small claims court if you can't reach a satisfactory resolution through other means.
How To File Geico Customer Complaints—Reach Out to the Geico Complaints Department
There are a number of ways to contact Geico Insurance, depending on the type of issue you are experiencing.
The main customer support phone number is (800) 207-7847. There are different numbers you can call for property, military, motorcycle, and commercial insurance. You can find all the contact info on this page.
The waiting times are around 20 minutes on average, so you might consider sending Geico an email describing the issue and the nature of your complaint. From the Contact Us page, select the "Experience with Geico" option from the drop-down menu and fill out the form provided. The company usually responds to email complaints within 48 hours.
Some customers are more comfortable using social media to report their issues with Geico Insurance. You can send Geico a direct message on Twitter, and a customer representative should respond within 24 hours.
If your complaints against Geico get ignored or you're unsatisfied with the response, you can send an official complaint letter to the company's corporate offices. The mailing address varies for different types of insurance. You can find all the relevant information here.
|Ways To Get in Touch With Geico Insurance|
How To File Geico Complaints
If your issue remains unresolved after contacting the company, you can file a complaint against Geico Insurance with:
- The Better Business Bureau (BBB)
- The Consumer Financial Protection Bureau (CFPB)
- The Office of the Secretary of State in your state.
Filing a Geico Complaint With the BBB
The Better Business Bureau (BBB) is a membership-based non-profit that acts as an intermediary to resolve customer complaints. If you sent an email to Geico and haven't received a response, you can file a complaint with the BBB.
You don't have to pay anything to file a complaint with the BBB, and it won't affect your credit score in any way. The only requirement is that you have previously contacted Geico Insurance regarding your issue.
Filing Complaints Against Geico With the CFPB
The Consumer Financial Protection Bureau (CFPB) is an agency that was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act to protect consumers from financial fraud.
Follow the instructions on CFPB’s website to file a complaint against Geico.
How To Sue Geico Insurance in Small Claims Court
If you've filed a complaint against the company and it's still unresolved after contacting the BBB or CFPB, you can file a small claims lawsuit in your state to seek an official ruling.
Some states require you to file a small claims lawsuit within 30 days of filing your complaint with the BBB or CFPB. The rules vary by state, so you'll need to check with your local court administration office to see if there is a strict time frame.
You can file the lawsuit against Geico either through the court's online form, if one is available, or with the court's clerk in person. Keep in mind that small claims courts have an upper limit of $10,000.
After filing your claim, you'll need to send a demand letter to the company detailing the exact nature of your complaint and the damages you are seeking in the lawsuit.
The demand letter must be professionally written, and needs to include the following information:
- Your name, address, email, and phone number
- The amount of damages you are seeking from the insurance company
- The Geico policy number and the details of the claim
- A description of the dispute that led to filing your lawsuit
- A request to settle the dispute out of court
- The deadline for an official response from Geico
After you send the demand letter, it's important to keep a paper trail of all your communications with Geico, especially if you don't receive an official response. Make a note of the date you sent the letter and what day you received anything from them. This will prove extremely helpful if you have to sue them in small claims court.
If the company doesn't respond to your demand letter within 30 days or refuses to pay you the damages you are seeking, the case will go to court. If a judge rules in your favor, you will be able to collect the money you are owed.
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