This insurance company is a joke. I have full coverage and I was at no fault accident and yet here I am paying for medical expenses that should be covered under my plan. What is this? I hate Geico and their medical department. Also, why in NJ can't I use my health insurance to pay for a car accident? This is some joke. Despise this company. Pay every bill and I still get screwed over by these people. They're not in it to help you, just themselves.