Geico just cancelled my insurance- very puzzling - Miata Turbo Forum - Boost cars, acquire cats.

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Old 01-23-2009, 12:43 AM   #1
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Default Geico just cancelled my insurance- very puzzling

I just got back into town and found that I'd received a letter from Geico. To give some background, I've been insured with them for several years at $500,000/$500,000 liability, $50,000 property damage, with comprehensive and collision. I've had them as my insurer on three different cars in three different states. I have never (with them or any other insurer) filed a claim, nor have I ever been found at fault in an accident. My last traffic ticket was in January, 2000. In other words, I'm pretty much the poster child for good insurance customers.

So I was a bit surprised by this:



Puzzlingly, they refer to "customizations and modifications". However I have never told them that my vehicle is turbocharged, nor do I carry any additional coverage for customizations.

Obviously I'll be calling them tomorrow, but this really has me puzzled. Has anyone ever had a similar experience?
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Old 01-23-2009, 12:45 AM   #2
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That is very odd indeed. My insurance knows my car is turbocharged & modified. And I'm 20 and have 6 pts on my license. Then again, it's military family insurance.

https://www.usaa.com/inet/ent_logon/Logon
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Old 01-23-2009, 12:46 AM   #3
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I would also call up Lawana Washington and give here a piece of my mind. I have never heard of a company refusing to take a person's money before
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Old 01-23-2009, 12:47 AM   #4
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Hmm. Makes me wonder if they scouted you out at a track event or some such non sense.
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Old 01-23-2009, 12:53 AM   #5
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Not really, but I feel like telling this story anyway.

About two years ago, I bought a CRV as a daily driver. I then sold my old car, a mazda mx6, about a week later to a private party. I also had the miata at this time on a separate policy, also with State Farm.

Well, the local State Farm office fuxed up and canceled the insurance on my CRV instead of the mx6.

About a month later I got a nice form letter from the DMV telling me I was being fined for dropping insurance in a state that has manadatory insurance requirements. Well that's nice. Except I did no such thing.

I called State Farm, and the girl finally came back and told me she had found the forms "I would need to fix the problem." I came back with "No, you found the forms YOU will need to fix the problem."

A couple of weeks later, I got another DMV letter claiming I had dropped the insurance on the Miata. State Farm screwed up again! I ended up having to print out pictures of my cars, the Honda, the Mx6, and the Miata and bringing them down to the office in person. I drew a big circle with a line through it over the picture of the Mx6 and plopped all three on the desk of the girl helping me. I sat and watched her type up the policy changes to make sure she didn't screw it up a THIRD time.

I have never had a problem with State Farm as a company, but DEAR GOD is my local office full of insufferable dolts.
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Old 01-23-2009, 12:56 AM   #6
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**** Geico, their stupid cavemen retards, and their god damn green monster.



State Farm FTMFW.

Full coverage on 4 vehicles including one Crotch Rocket... $136.12/month.

Though I would like to know their reasoning behind this...
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Old 01-23-2009, 12:57 AM   #7
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I wonder how they found out
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Old 01-23-2009, 01:00 AM   #8
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You committed insurance fraud (actually not fraud cause you weren't trying to get money by filing a false claim, but you get the drift). You must report any performance related modifications to your insurance company as your car is now a non-standard model and risks are completely different.

Who knows how the hell they found out but they most assuredly have their ways.

A quick google search didn't turn up anything for Geico's policy but here is an excerpt from Admiral insurance policy:

"Undisclosed modifications to the car. Modifying a car so it affects its performance or appearance means it is no longer a standard model, and therefore a different risk. You must tell your insurer of any modifications either you or a previous owner has made to your car."
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Old 01-23-2009, 01:02 AM   #9
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Quote:
Originally Posted by elesjuan View Post
**** Geico, their stupid cavemen retards, and their god damn green monster.
Sorry to hear about your bad news Joe, good luck with getting it reinsured. Kinda sucks that they are being lame about the Miata.
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Old 01-23-2009, 01:03 AM   #10
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Very odd. Curious to hear the outcome and how they found out your car is modified.
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Old 01-23-2009, 01:04 AM   #11
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joe's mind will be blown when I tell him that upon acquiring geico as my ins co, I disclosed that I had done a shitload to my car and gave specifics (suspension, turbo, roll bar, death spinners on the wheels, what-have-you) and they said it was all groovy baby. did not present an issue for them. just have to write it all down and send it in.
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Old 01-23-2009, 01:07 AM   #12
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Geico's hella expensive anyway. **** 'em.
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Old 01-23-2009, 01:09 AM   #13
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Quote:
Originally Posted by y8s View Post
joe's mind will be blown when I tell him that upon acquiring geico as my ins co, I disclosed that I had done a shitload to my car and gave specifics (suspension, turbo, roll bar, death spinners on the wheels, what-have-you) and they said it was all groovy baby. did not present an issue for them. just have to write it all down and send it in.
Ya, 9/10 times your rate wont change $.01. They just want to know about it. In addition, you can get coverage for some aftermarket parts if you get the right coverage.
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Old 01-23-2009, 01:28 AM   #14
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Hyper ratted out on you? lol. Dunno.
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Old 01-23-2009, 01:51 AM   #15
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Quote:
Originally Posted by patsmx5 View Post
Hyper ratted out on you? lol. Dunno.
Hyper? Who's that? I do remember a Tinkerbell from a while back though, I think she had some kind of special coolant reroute.

On Topic: That sucks
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Old 01-23-2009, 02:09 AM   #16
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Shitty, Joe. Sorry to hear it. Do you have another car? Might want to consider getting an agreed-value policy with Hagerty.
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Old 01-23-2009, 03:00 AM   #17
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geiko sucks big time anyway..I dont even know why you were with them that long unless they really hooked you up somehow......just recently was insurance shopping and geiko was not even competitive with some insurances out there
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Old 01-23-2009, 04:23 AM   #18
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Quote:
Originally Posted by 18psi View Post
geiko sucks big time anyway..I dont even know why you were with them that long unless they really hooked you up somehow......just recently was insurance shopping and geiko was not even competitive with some insurances out there
There are a lot of factors they consider to determine the rate ... where you live, what you drive, how old, married, credit rating possibly. Anyway, in your situation, some companies may offer good rates while others suck big time. For people in other situations, the companies that were giving you good deals suck big time, while the ones trying to rip you off give this guy a good rate.
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Old 01-23-2009, 04:34 AM   #19
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you have a good point, however I'm 24, have a perfect driving record, married, perfect credit history, 3 cars and 1 house on one policy. so I'm definitely not too different from joe insurance policy wise.
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Old 01-23-2009, 09:43 AM   #20
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Same **** just happened to my friend yesterday. Same letter, but they said he was "street racing". Never a ticket for anything like that, but he does autocross. Wtf??
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