Snow-Jet-MK5
New member
Damn. Hopefully she's ok. They say things come in three. [emoji16]
Sent from my SAMSUNG-SM-G935A using Tapatalk
Insurance Frustration!
- Thread starter Jetboy
- Start date
Sent from my SAMSUNG-SM-G935A using Tapatalk
Re: Geico
Don't mean to pile on Geico here, but we had an atrocious experience with Geico after a driver who rear-ended us that was insured by Geico. Their Geico agent came out and simply wanted to repair the cover even though the foam underneath had been smashed. The foam had done its job and absorbed the energy, but has to be replaced in order to absorb energy if it happens again. Geico did not want to replace the foam, attempting to just correct the cosmetics. It took no small amount of hassle dealing with them and ultimately, I had to get my insurance company involved who duked it out with Geico behind the scenes.
Awful company...
Don't mean to pile on Geico here, but we had an atrocious experience with Geico after a driver who rear-ended us that was insured by Geico. Their Geico agent came out and simply wanted to repair the cover even though the foam underneath had been smashed. The foam had done its job and absorbed the energy, but has to be replaced in order to absorb energy if it happens again. Geico did not want to replace the foam, attempting to just correct the cosmetics. It took no small amount of hassle dealing with them and ultimately, I had to get my insurance company involved who duked it out with Geico behind the scenes.
Awful company...
Ky4Runner1
New member
If you get your insurance involved, the first thing they will do is check your driving record.
If they find any violations, they will most certainly raise your rates etc....
Ky4Runner1
New member
My bodyshop guy has been in the biz for over 30 years and he is an ass to deal with.
Insurance adjusters know better than to try and get him to go with aftermarket parts etc...
Ky4Runner1
New member
My bodyshop guy said Geico is absolutely the worst when it comes to adjusters.
Like I said, they have enough experience with him to know not to go down the road of aftermarket parts.
He does all the body work for the BMW dealership.
When it comes to body shops, I want them to be ugly, no different than if I was hiring an attorney.
Saker
Senior Member
[MENTION=115194]Ky4Runner1[/MENTION],
What is the reasoning behind a body shop being ugly....
do you mean, hole in the wall, unkempt with sh!t thrown around everywhere?
TNRunner99
New member
I didn't have too big of an issue to get Geico to fix my wife's previous 2014 4Runner when she was hit. It took forever to get the adjuster on the phone but once we did we took it got an estimate and they sent a check. I told them I only wanted Toyota to fix it and that's where I took it. Toyota billed Geico for the remaining balance.
I also had my attorney involved cause the lady at fault cussed out my wife, had been drinking, and admitted to police she had taken prescription pills as well.
I also had my attorney involved cause the lady at fault cussed out my wife, had been drinking, and admitted to police she had taken prescription pills as well.
Ky4Runner1
New member
I was referring to his nasty take no sh*t attitude towards these adjusters.
TeamLord
New member
EXACTLY!! This is called "INDEMNIFICATION" Insurance companies are supposed to indemnify you for the loss! Aftermarket parts and cheap fixes are not putting you back to where you were before the loss. I would contact your State's Insurance Commissioner and complain if you don't get anywhere with Geico.
Saker
Senior Member
Thanks.... Was playing the devils advocate so you would explain.
Ray Dunakin
Senior Member
Uh, they keep tabs on your driving record all the time. They don't wait for you to file a claim before checking on your record.
Ky4Runner1
New member
Uh, so what are you trying to say? They are checking everyday? I don't think so...
I am sure at some point they check but it is automatic when you get your insurance involved.
I would never get my insurance involved if it was not my fault etc...
Just gives them an excuse to start digging etc...
Last edited:
Jetboy
New member
I've only had 2 speeding tickets in 20 years. And believe it or not I've never been in an accident other than being rear ended twice at stop lights with no damage. I've dealt with insurance twice in the past, once with a tow company that did a bunch of damage to my car when I wasn't there and once with the Lexus dealership who damaged my car. Also while I was not there. I guess I've been lucky so far.
IIRC they use a reporting system so they automatically get a notification if you've been cited by the police. I'd guess the system is automated so it does a batch query every day if it's not automated the other way to just insert the info into your file.
Ky4Runner1
New member
I had a speeding ticket on my record for 2 years and never had an issue until my insurance company got involved in a wreck that was not my fault.
Go figure.
Go figure.
Ray Dunakin
Senior Member
They have an automatic reporting system that keeps them notified of any tickets you get.
MikeBuzzsaw
New member
nice, have the shop upgrade it to shrockworks bumper and you pay the difference.
Jetboy
New member
Picked my 4runner up on Saturday. I've been busy and haven't put up a fix post. I was clear with the body shop - I had a little pow wow before I left my 4runner there - that they work for me and I don't give a rip what Geico things. I want it repaired the way I want it repaired. I'll handle Geico on my own for any issues with payment.
Repair was done very well. No re-spray of the fender. It was done paintless - although I believe it was removed to do so. But I kept all original pain on the metal parts. And the fix looks excellent. The bumper was a new OEM toyota bumper and new OEM toyota headlight. I also noted that they used all new hardware that is all OEM toyota. So the clips, bolts, etc are all new. All the little things were done right. It's not expensive to replace those parts, but most shops re-use them. I went to the only Toyota certified repair shop in Utah, so maybe that's part of the certification requirements. I rarely sing the praises of a service provider, and I've never in my life left a body shop totally happy with the work. So.. this is a first for me.
The pictures I took are blurry when I just looked at them. But basically it's what a new white trail edition 4runner looks like. I do need to re-do my clear bra though. I wasn't sure about the color match and peeled it off the fender to verify that the bumper matched the fender. It did. The clear bra was yellow a bit and it looked wrong until I peeled it off. Glad they matched the fender not the yellow hew of the bra. But now I do need to install a new bra. No big deal. I put this one on when it was new, so I have a good idea of how it goes on.
Repair was done very well. No re-spray of the fender. It was done paintless - although I believe it was removed to do so. But I kept all original pain on the metal parts. And the fix looks excellent. The bumper was a new OEM toyota bumper and new OEM toyota headlight. I also noted that they used all new hardware that is all OEM toyota. So the clips, bolts, etc are all new. All the little things were done right. It's not expensive to replace those parts, but most shops re-use them. I went to the only Toyota certified repair shop in Utah, so maybe that's part of the certification requirements. I rarely sing the praises of a service provider, and I've never in my life left a body shop totally happy with the work. So.. this is a first for me.
The pictures I took are blurry when I just looked at them. But basically it's what a new white trail edition 4runner looks like. I do need to re-do my clear bra though. I wasn't sure about the color match and peeled it off the fender to verify that the bumper matched the fender. It did. The clear bra was yellow a bit and it looked wrong until I peeled it off. Glad they matched the fender not the yellow hew of the bra. But now I do need to install a new bra. No big deal. I put this one on when it was new, so I have a good idea of how it goes on.
