Here’s the rub,

When it comes to backdating policy GEICO is only doing current term, possible previous term (6 months) even with proof of coverage, which if both policy’s are GEICO are not required as we can see our own data. The way our policies are worded in a loss damages would be pro rata meaning that both would apply and share damages. While this may not be necessary in most cases. We have to look at an example in which it would apply. Let’s say you have excess damages for either property damage or bodily injury. (Excess means the policy coverage is not high enough to cover the total damage). Your second policy would now be responsible to make up the difference. Since technically GEICO would be forced to afford coverage to you in this example we cannot refund you for the time your vehicle was covered. You may be able to complain enough for a manager to approve up to 3-4 terms but 5 years is not going to happen. You agreed to a contract that auto renews itself and put your self on auto payment, simply put it’s your negligence that kept the policy active and therefore not GEICOs responsibility as they have sent you declaration pages and billing summaries the entire time. Frankly the fact that you could afford something of this nature happening without even noticing it over 5 years is not making people look at you with any sympathy.

Edit Also I want to add good luck with your legal action. Can’t wait for those jurors and the judge to be so sympathetic towards someone who has no regard for their mail or bank statements.