Wednesday 30th of May 2018 04:26:10 AM
In October 2016 I was riding my adventure motorcycle off road, had a tip over, got back up and not only rode 80 miles to the campground, but 700 more back home. I had hurt my leg during the tip over and did receive medical care 2 days later... my medical insurance did not cover all costs and the medical facility wanted to verify that I did not have personal injury coverage on my motorcycle. So a quick call to GEICO, they verify I do not carry personal injury, done deal. Months later and my annual policy renewal has a 31 percent increase... no payout or claim was done, motorcycle had zero damage, etc., but GEICO apparently assessed me a 4 point loss of control incident and raised my rates 31 percent. I discussed this with 2 agents and apparently there is no accident forgiveness despite there being no accident. In the big picture I have a 31 percent rate increase for a non claim and I received no benefit. Had I pushed my motorcycle off the mountain road, filed a report and paid a 500 dollar deductible, I would have cash in hand for the value of my bike, a better chance of accident forgiveness, and my rates may not have gone up as much... how does that work?