(Closed) Any bees work for Geico who can answer an insurance ?

posted 5 years ago in Legal
Post # 3
Member
1146 posts
Bumble bee
  • Wedding: December 2011

I don’t work for geico but in general you are better off fixing car dings yourself.

Post # 4
Member
497 posts
Helper bee
  • Wedding: October 2013

I use to work for an insurance company. Depending on your plan, past history and such, this collision claim may raise your rates. Now if you have not claimed anything you might not raise your rates, but if you need to make another claim in the next few years that one might. I would say if it is just a scratch, dont claim it.

Post # 5
Member
668 posts
Busy bee
  • Wedding: May 2011

I don’t work for Geico so no help on that. But I do work at an Auto Body shop, and if its just some minor scrapes I suggest you go get a few estimates (Estimates should be free) done before you even consider going through your insurance. Sometimes it costs a lot less than you’re expecting it to. If it exceeds your deducatable by a sufficiant amount then I would recommend just calling Geico and explainging what happened and ask them if it would raise your rates. They cant file a claim just because you ask a couple of questions!! Good luck, and im sorry about your car:-(

Post # 6
Member
2254 posts
Buzzing bee
  • Wedding: October 2012

That ding may cost less than $200 to fix. If the cost is near or around $200 and your deductible is $200, there’s no benefit in reporting it to your insurance company. 

Post # 7
Member
5921 posts
Bee Keeper
  • Wedding: December 2010

I’m an adjuster but not for geico. And I’m not licensed in your state. But generally not at fault accidents don’t increase your rates. But ask your agent not geico. Adjusters have no idea about rates. 

Post # 8
Member
497 posts
Helper bee
  • Wedding: October 2013

@Whitanella:  Wrong, I am insured with Geico and they will not answer any questions without a claim. Trust me, it happened to me when I was just asking a question!

Post # 10
Member
2254 posts
Buzzing bee
  • Wedding: October 2012

@FutureMrs86:  I’m not well versed in auto body repair, but in the past I had one of these dents in my car. 

A auto body guy popped out the dent for about $160 cash. There were minor scrapes on it from the contact so he buffed the area and took a tube of car paint and slightly worked it into the scratch. Afterwards, most of the scratches weren’t even visible. You can probably notice it if you look really close but most of the time no one notices. 

Post # 11
Member
12257 posts
Sugar Beekeeper
  • Wedding: May 2013

“Depending on how minor the damage is, odds are it is below or at (your) deductible. It’s not worth persuing a claim. Also, bumpers are made of plastic, and a minor hit will not impact the functionality of the bumper, which is for appearance and to take minor bumps, like the one you’re describing. HOWEVER, you ARE supposed to report any accidents to your insurance company.”

That is according to FI, who used to work in WNY with an insurance company in auto damage. He still does it where we live now. Word for word what he said!

Post # 13
Member
668 posts
Busy bee
  • Wedding: May 2011

@mojoh:  not wrong because i am also insured by geico and have had them answer basic questions with out having a claim filed. It just depends on the person you are talking to, just as in any other line of customer service some people are unwilling to help you. Sounds like you got a customer servie rep was in a foul mood.

The topic ‘Any bees work for Geico who can answer an insurance ?’ is closed to new replies.

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