Re: Geico Total Loss and Refusal to Pay
Lost control on highway after hitting ice and our vehicle spun out hitting guard rails, which caused the body damage. I was about 30-40 minutes behind my wife and used my rollback wrecker to tow our truck since it had a flat plus I wasn't sure if it was safe to drive it. Fortunately, she wasn't hurt and didn't hit anybody else. They wanted the phone records to verify what calls were made. So the screenshots should have sufficed to show that. I filed a notice of loss online with them and was not asked to submit a sworn proof of loss. They told me that my phone records were needed for the proof of loss. I have completed a proof of loss and will submit it once we get it notarized. They do want us to do an EUO. Here's the deal with my claim, I never received a claim denial letter. Geico's stance is they haven't been able to complete the investigation without my phone records, so if they were still investigating the claim I should have been receiving a letter every 45 days notifying me that the claim is under investigation and they need more time. That requirement is governed by my state's insurance statutes and administrative code. Geico just closed my claim and refused to return phone calls. What counts as Independent Proof of Loss? And do you think submitting a Sworn Proof of Loss might get this claim settled?
No I have never lived in Texas and it's First Party Claim on our insurance. I have had 1 insurance claim besides glass chip repairs, and that claim was relatively minor. I use a prepaid cell phone service and I don't get detailed bills or a bill at all. I get a text saying reload your phone. I don't even think I can get a copy of my bill without jumping through a bunch of hoops. I really don't like the way they treated my wife and myself with all of the bullying and lying. The duty to cooperate clause isn't meant to give an insurer complete control/power over the insured and that is precisely how they made it out to be. I really didn't appreciate that. I would rather have my truck back to pre-wreck condition than collect money on it. I loved that truck!