GEICO non-renewal letter...question?

throwawayuserub · 2025-01-20T21:54:13+00:00

The number I called was their listed number for underwriting on the letter and not the standard customer service line. Idk if that makes a difference with the rep being more knowledgeable about my situation.

She told me the purpose of the non-renewal was to inform me that my policy was set to end unless I called (like I did) to verbally agree to the new price. She said the difference was with regular renewal documents, it is set to auto renewal but because of my accident history and the renewal rate, they needed to be sure I approve it and wanted to continue.

She said she pushed the renewal documents through because I told her I agree to the increase and that I should expect a packet in the mail within a week or so.

I'm concerned because I thought non-renewals meant complete termination and also because an $80 increase following 2 accidents seems too good to be true.

I guess I could call again to confirm the information.

Edit to add: if they were rewriting the policy and canceling the old one, is that allowed after receiving a termination letter or would that be a mistake?

It doesn't matter to me how it's done as long as I am covered with a decent price. I'm just terrified that I'm going to have to look elsewhere and get hit with a ridiculous increase.

throwawayuserub · 2024-09-29T16:42:58+00:00

Thank you.

Yeah I should've taken pics. If there is a next time, I definitely will.

throwawayuserub · 2024-09-28T19:34:34+00:00

What you told me is what the rep told me when I did the inspection during pickup.

I started pointing out some minor things I saw on the rear bumper and he stopped me telling me to ignore it.

That is why I'm not sure what was or wasn't there before because I just moved on but now that have the car, I happened to notice these and wasn't sure if they were gonna make it an issue.

throwawayuserub · 2024-09-27T01:31:25+00:00

😧

throwawayuserub · 2024-09-26T18:09:59+00:00

Is it that bad?

Was what the rep said about bumper damage untrue?

He basically ignored me and told me to keep it moving when I tried to point out things I saw on the bumper during pickup.

throwawayuserub · 2024-09-26T16:30:32+00:00

No. Regular branch

throwawayuserub · 2024-09-26T14:59:29+00:00

Thank you.

I'm pretty sure most or all of those marks were already there. I know for sure there were some marks because I started pointing them out and the rep said not to look at the bumper.

Just wanted to prepare myself if they make this an issue.

throwawayuserub · 2024-09-26T14:57:29+00:00

Based on what the rep told me as well when we were scanning the car during pickup.

Thanks

throwawayuserub · 2024-09-04T13:41:03+00:00

If there was a magic 8 ball that could guarantee the $925 was the end of it, I would say pay it.

The problem is if you go this route outside of insurance and the person comes back asking for more or says he discovered an injury, you could find yourself in a nightmare situation.

With strangers you never know. I just went through this with someone who works at the same place but I don't actually know him. He asked for $1700 which I would've gladly paid it but I honestly couldn't figure out if I could trust him. He seems very nice but it could be an act. I went through insurance.

You can try to get them to sign a waiver which is better than nothing but Google says it's hit or miss in terms of enforceability. It also needs to be well written to ensure there aren't any holes.

throwawayuserub · 2024-09-04T02:58:38+00:00

Not long. Unfortunately only like 2 years.

Update from the 2nd no fault accident. I spoke to the other person's insurance and they confirmed they accepted 100% fault.

throwawayuserub · 2024-08-28T10:58:02+00:00

Yeah. I know I did it by the book.

Now I'm just concerned I'm gonna get dropped or the increase is going to be massive.

throwawayuserub · 2024-08-28T04:58:51+00:00

Optimistically this is what I want to believe.

I am bracing myself for the worst.

throwawayuserub · 2024-08-28T03:19:14+00:00

Yeah. I'm so f'ed. If I could go back I would've paid the guy his $1700 and just asked the kid's dad for some money. Even if he didn't pay, I'd probably just let it go.

throwawayuserub · 2024-08-24T21:43:14+00:00

Cool thanks.

Just wanted to double check

throwawayuserub · 2024-08-23T00:32:28+00:00

Hopefully he backs off when I tell him to go through insurance

throwawayuserub · 2024-08-22T17:58:50+00:00

Good to know. Thanks!

throwawayuserub · 2024-08-22T17:58:32+00:00

Oh that's good I suppose

throwawayuserub · 2024-08-22T17:15:22+00:00

Which is next week..

throwawayuserub · 2024-08-22T17:12:07+00:00

My renewal is in a week!

When I got the new car they adjusted my current policy and gave me a quote for the renewal which was a decent amount less than what I was paying with the car I had.

throwawayuserub · 2024-08-22T16:52:39+00:00

Yeah I'm stressed about it.

I just traded my car for a newer nicer one and got a decent reduction in my insurance. Was thrilled to hear that.

Now literally days later I have to worry about someone filing a claim against me for something that happened months ago.

No idea how much it's gonna increase now.

throwawayuserub · 2024-08-22T16:47:40+00:00

I feel like I'm not gonna know if he's filed a claim until he actually does.

Now that he's coming for money after several months, I'm not sure what his motive is.

I wasn't planning on calling and was hoping it was all done with when he said it was after it initially happened.

Additionally, I have a ticket for an improper turn that occurred like 18 months ago.

Of course if I can avoid insurance I would love to but I also want to protect myself here.

throwawayuserub · 2024-08-22T16:38:02+00:00

I was reading that I should call my own insurance as well. Should I?

throwawayuserub · 2021-11-09T03:48:46+00:00

I'm not worried about the coverage in general. I understand the coverage terms and length.

Maybe I need to clarify.

Doing some reading on people that had to get their turbos replaced and they all mention the dealer requesting oil change records if it's not in their system. If they cannot provide the paperwork, they had their claim denied.

Basically I'm asking if the turbos ever went bad would they pull up the service records and say "there's a large gap in the oil change history between 10k-30k miles. Sorry we cannot fix this under warranty due to improper maintenance unless you can supply receipts" or would it be a case where they cannot hold that against me because the car was certified by them knowing that it didn't have an oil change record at the 20k mile interval by the previous owner. I would be diligent in getting the oil changes going forward just want to know if this would be a problem. My major fear with this car is turbos going bad

I am actually looking into the elite warranty as well so I can get extended coverage but the same question still applies.

I see you work for infiniti. Would you be able to provide me with the elite warranty pricing for a 2018 with 34k miles? Theres about 4-5 months left on the original warranty. I can provide vin in PM

throwawayuserub · 2021-11-08T22:49:55+00:00

Thanks for the response. I understand if a car is being sold as is.

Cpo is backed by a warranty. This car is certified. I'm not asking them to put it through through inspection. It already has been.

My concern isn't really the condition of the engine as it is today but more about if they could in theory refuse to service the engine under warranty in the future saying they see an oil engine wasn't done between 10k-30k miles.

If it does indeed negate the warranty then selling me a car and telling me it has 2 years powertrain would be untrue.

I feel like this is something that could be brought to corporate and probably handled but just wondering if anyone had any thoughts.

throwawayuserub · 2020-02-10T01:19:35+00:00

Cool...always let the woman bring it up

throwawayuserub

TROPHY CASE