No, I'm not a Geico customer; I was just read-ended by another who is insured by Geico. It is unfortunate, but my dealing with Geico in the last few days has been satisfactory.
The accident happened in my morning commute. The damage to my rear bumper was actually minor -- only a couple of scratches, so I exchanged insurance information with the other driver.
About three hours after the accident, before I had time finishing all emails piled up in my mailbox throughout the night, Geico called me. I was told the other driver had reported the accident and claimed the responsibility. The Geico representative asked me a few questions regarding the accident, and set up an appointment so I can take my car to a local collision center to assess the damage.
So, on a sunny afternoon yesterday, I drove to the Geico-affiliated collision center. An adjuster looked at my rear bumper, took some digital photos, went back to office to prepare some documents, and cut me a check of more than $600. I was told Geico will also take responsibilities if additional damage is found when body shop is processing my vehicle.
Needless to say, I am extremely satisfied with Geico's service. Both people I dealt with are friendly, courteous and professional, and the fact that it only took a visit of 30 minutes (plus driving time) to get the money really underscores the efficiency of the company.
My current insurer is Safeco, and I was unsuccessful getting a favorable rate from Geico. Anticipating a huge move in a few months, I am not in mood to do comparison shopping again, but maybe it's time to load some Berkshire Hathaway stock?