Richard's complaint:
December 03, 2012

Insurance Company: GEICO
Coverage Type: Auto/Boat/Motorcycle

• PolicyHolder Service - Payment Not Credited
• Claim Handling - Denial of Claim

3 years ago my 2000 BMW 740 IL instrument cluster for my air conditioning was blinking on and off so I exited the I-95 in order to see what was going on. It was very hot that day and needed the air. As exiting the Highway off the ramp the car began to smoke even more and couple guys in a pick up truck where sitting at the end of the ramp waiting for the light to change as I was and came up with a fire estingusher as I opened the hood to check what is was thaat was smoking.
They sprayed for safety and it seemed like it was okay so I continued accross the street to the 7 Eleven cause they had great lighting and the car was still running but the air had turned off.
I am only say 4 milea from my house and planned on just driving the unit to my home to exhange for another car. When the light turned green I began heading north on fisk blvd toward my home where another car could be found. I got maybe a 1/2 mile down the road and out of both side of the hood major smoke so I turned around to go back to the 7 Eleven. By the time I turned the car in U turn to sit in front of the 7 Eleven the car was totally in flames burning. I began removing my luggage and any content I could grab and throw. suprisingly I got all of it. I have photos
ot the car burning. I purchased this car and had a loan on it from community Credit Union.
They required full coveerage in order to provide me with the financing for the car. I was in my 3 1/2 years in paying off the BMW and always kept up my insurance payments with GIECO up to date.
In florida should you drop your insurance during a loan the bank and state is nogified and you are forced to take a bank issued insurance. The night of the fire I called Gieco Claims and was told my policy had been cancelled. I said thats impossible I have never missed a payment. They went on to say it was due 10 day prior to the fire. I mailed the payment just as I had done every time throughout the Past 3 1/2 years previous. I decided I would pay it while speaking with the claims adjuster due to I thought maybe it was just a typo and I could work it out later you see my car was sitting on the side of the road smoldering still from the fire. So I paid with a credit card the amount the GiECO rep said was not paid feeling surely I could work out the missed payment after the this tradgedy was over but I needed it covered right then. Well I found out the following week that GIECO said my payment was due 12 days prior to the fire and I was notified that my policy had been cancelled. I said to the GIECO claims adjuster that there was no way my insurance could not have been paid I had the check stub and date where I had sent it. They said they never recieved it and that I was notified. What A LiE I sent the payment as I had everytime since buying my policy and the second lie came when they said it was never paid.
Buy now I am very upset because they are suggesting they are not going to pay my claim on my burned car.. I was devestated man so I did some checking. The State of Florida insurance commision had not been notified by GIECO my insurance was cancelled and my financial instituite Comminity Credit Union never was notified that my policy was cancelled. So GIECO LIED to get out of paying my claim. I am so devastated and the payment I made the night of the accident , GIECO even kept that knowing my car was sitting in a field burned. Can you believe that? I am beyond upset I am now angry. After finding out that nobody from the bank to the state of Florida was notified by GIECO. I got an Attorney Friend to right a letter to the claim adjuster with this information and magicly a letter dated the week prior to my fire appeared from the GIECO claims adjuster. I ask how was that sent registered cause I swear on my Grandfathers eyes I never ever recieved nor saw that letter before. They say it was sent to me via mail? Its dated but I never recieved that letter nor did my bank or the state of Florida.
I am at a loss and do not know who to turn to . I feel that GIECO will lie no matter what to get out of paying a claim. My bank did not even issue another insurance company so they are now coming at me to pay off the remaining balance of 4k on the BMW. I am out 15k from the lose of the car, plus the 4k they want me to pay. Where is the justice for the little guy?? Where do I have a voice that counts in this world can you guys help me please. I need someone to give me direction of where I can go to continue my fight for there lies and munipulation,

Thanks for listening please get back to me if you believe there is anything you can do to help me. Rick

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