re questions about insurance companies esp geico in article c unfy e i dove nist gov keys starchild ncsl nist gov lawrence b keys writes in article c ui u ao murdoch acc virginia edu jmh hopper virginia edu jeffrey hoffmeister writes in article apr julian uwo ca wlsmith valve heart rri uwo ca wayne smith writes in article mimsy umd edu davew cs umd edu david g wonnacott writes i m considering switching to geico insurance but have heard that they do not assign a specific agent for each policy or claim i was worried that this might be a real pain when you make a claim i have also heard that they try to get rid of you if you have an accident don t worry about this they ll drop you like a hot potato after you do make a claim they ll just make filing the claim a pain but it will end when they leave you in the lurch i ve read in this group that geico has funded the purchasing of radar guns by police depts i m not sure where more than that geico funded the company that developed lidar when locals showed a reluctance to buy the units geico started giving them away i know they ve given units to the florida highway patrol county sheriff s a and some local governments the real question is why this is the hook geico and other ins co s can tell which drivers represent risk this is a determination they can make after you receive a speeding ticket from one of geico s lidar units most drivers do not represent increased risk even after a ticket or two but this gives them the opportunity to raise rates for equal risk it s called extra profits they also know how silly the nsl is and how it is almost universally ignored driving in excess of the nsl gets you a ticket an increase in your rates points on your license but it doesn t make you a riskier driver to insure like the sound of this like the people who thought up the scheme go geico unless you have some driving history problems you re usually better to go with one of the major companies and stay there you ll get long term customer discounts on your premiums now about the of your premium that is paid as commission that s another story for another day
