I have recently had an unfortunate incident.
Occurance: While traveling back from Idaho on vacation. I was driving on I84 East ound, I had recently past a truck and got back in right hand lane, I looked back a few minutes later and noticed a fire on trailer, I came to stop and tried to put fire out, Fire became out of control, as trailer was loaded with snowmobiles and luggage. the fire started on gear. This incident occurred just east of exit 115 (Henefer, UT), I called 911, it took over 15-20 minutes for Fire depatment to arrive and come to find out we were less than a mile away from fire house. when fire dept arrved, they did not know how to operate equipment and intially spray water on fire which was burning plastic and fuel, when one fireman asked for foam other fireman asked how do you turn on? All we could do was watch in despair as numerous items became destoyed. Fortunate no one was injured.
I called insurance company for vehicle which I was placed on hold numerous times and response was you need to call homeonwers insurance it falls under that policy. When I returned home, I called homeowners insurance and it covers personal property but not anything with engine. I called Geico back to speak again and have sent numerous time on phone with Geico to resolve. Snowmobiles on trailer were not mine. One was my 17yr old sons that he had purchased in Idaho the day before. I also have been told by Geico, they do not offer full coverage on snowmobiles due to covered under homeowners policy, which is incorrect, Also I have asked them starting over what coverage should I have and response from them is "I don't know", today I was told by adjuster that it is my fault I did not read all fine print in all my polices, to bad. I have contacted insurance commission to try to resolve. I have asked for denial letter from Geico. As a consumer I feel completly misled by Geico and very unsatified with the answers I have been given over last few days. I carry full coverage on vehicle that was pulling trailer that is completly paid for..and come to find out full coverage doesn't cover what most consumers think. I have spoken with other insurance companies (Farmers and Allstate) to compare what is covered on full coverage and come to find out geico completly misrepesents their policies. I have been a customer of Geico for quite some time and their best answer is I'm sorry and you should have read all fine print.
I know you get contacted numerous times about different issues, but I think consumers need to be made more aware of what they purchase. when people buy insurance they go thru a broker or sales agent and think they are getting coverage and no one knows until its to late whats not covered, I would like to make people aware and maybe a checklist they can use to make sure what they are getting for coverage is what they want coverage and that just because you have full coverage doesn't mean it is. I hope you can assist in this matter. The leason learned in our matter is read all fine print, obviously insurance do not have consumers interest in mind, which is very disappointing due to average person thinks they are covered when they have full coverage insurance.
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