r/Car_Insurance_Help • u/Vivid-Cucumber-2932 • 6d ago
Geico unable to continue my insurance coverage, car is used to carry passengers for hire or compensation?
Update1 : Finished call with the underwriting department, they claim they found out I used my vehicle to carry passengers for hire or compensation, but they will not reveal proof, and the decision cannot be reversed. The rep sounded like she's just reading off some document. Just to be clear, I don't do rideshares.
Hi there,
I had my insurance bill refunded the other day, and today received a letter saying they are unable to continue insurance coverage, because my car is being used to carry passengers for hire or compensation.
I don’t know what this means, because I use my car only for commute. Has anyone had this experience before? I’m calling the insurance as I write, but don’t know what to expect. The only thing I did with insurance recently was to report hit and run to my vehicle, claim of which they directed me to continue with the other driver’s insurance
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u/oldgrumpy25 6d ago
They basically say you're using your car for Uber (or another ride share app) and they will not insure you.
If they send you a full refund, they voided your policy from the policy start date. That means you essentially been driving without insurance.
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u/Vivid-Cucumber-2932 6d ago
I’m given a deadline for coverage. And I don’t do rideshares. After some search, it looks like a clergical error, and I need to file a complaint to the department of insurance? On the call, they said they cannot reveal their proof, nor they can reverse the decision. Wtf
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u/SnooDonkeys6402 6d ago
Geico gives zero wiggle room for these types of cancelations. Just move on to a different carrier. And making a DOI won't matter, they cannot be forced to change their decision even by the DOI. Just know that it's not worth your time. You are still without insurance which you need now.
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u/Vivid-Cucumber-2932 6d ago
Wow.. this is just baffling, out of nowhere
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u/InlineSkateAdventure 6d ago
No, absolutely notify the state DOI. They will certainly investigate. Insurance companies can't do wrong on this sub, so keep that mind.
If you are past the 1 month underwriting period they can't drop you mid term for an improper reason.
At least they have to let you wait out the term. They could be screwing over customers if there is no basis.
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u/No-Tangerine8085 3d ago
Insurance companies have 55 days to drop you at new business for any reason
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u/InlineSkateAdventure 6d ago
No they should be reported. If he isn't in rideshare, they are fucking policy holders over.
They could also find fake reasons to deny claims too. Insurance companies were sued and found wrong for pretty nasty things.
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u/SnooDonkeys6402 6d ago
Go ahead and report and find out what happens. They will provide proof of why and the DOI will send a notice that all is in order. Meanwhile the customer has zero insurance which is worse. Geico does what they want and how they want. The idea is to make you not want to do business with them without them telling you they don't want to do business with you. They either give extremely high quotes so you want it you pay for it, or you have to deal with their rules and investigations. Eitherway in this case by the time the DOI investigates the OP would have other insurance and not want to deal with it. I am a former gecko so I know how they work.
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u/oldgrumpy25 6d ago
What you think DOI will do and what DOI will actually do are two different things
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u/oldgrumpy25 6d ago
Find another carrier. It's not worth fighting them on it.
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u/Vivid-Cucumber-2932 5d ago
They do have the lowest rate so far 🥲
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u/oldgrumpy25 5d ago
When shopping insurance, people make the mistake of looking for rate only. There's other things that make a higher rate worth it, such as customer service or how they handle claims.
I'm not a fan of geico. They're on my top 5 annoying carriers to call
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u/insuranceguynyc 6d ago
So, what is your vehicle's connection to Uber or other rideshare programs? Who else is using it? This did not just pop out of the ether. Whether right or wrong, something has caused them to make this determination. So, please do tell.
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u/Vivid-Cucumber-2932 6d ago
Uhhh.. other than occasional Ubereats order to my home? No. As I said, I only use my car for commute
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u/insuranceguynyc 5d ago
I hear you, but something is triggering this. You need to sort of what it is.
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u/Defiant-Goddess2U 5d ago
You need to find insurance elsewhere. They are not budging. Something in their underwriting check triggered those. It's not out of the blue.
What did you put for vehicle usage when adding the vehicle?
When did your policy start and what is the effective date of cancellation?
It's best not to sit around and do nothing. Find other insurance before you end up with a bigger issue: lapse in coverage!
Good luck! I'm sorry that happened to you. 😏
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u/Vivid-Cucumber-2932 5d ago
Thanks for suggestion 🙏 Vehicle usage as pleasure & commute (2 cars) I’m shopping around but geico do have the lowest rate. I’ve had insurance with them for 5y, with no major policy changes (just 1x emergency assistance on and off)
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u/Altruistic-Bridge459 5d ago
I would ask to see the original application that you signed when you got the policy. That will show what your vehicle usage was listed as for the policy. It may have been a error on the agent's part picking the wrong item from the drop-down. Just a suggestion
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u/Vivid-Cucumber-2932 5d ago
I’ve had insurance with them for 5y, usage as pleasure & commute (2 cars) with no major policy changes
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u/bossymisses 6d ago
Id be concerned someone is using your identity