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Children Not Listed, Geico Refuses Auto Claim
8 Jan
Summary
- Geico denied a Michigan family's car insurance claim after a crash.
- The denial was due to young children not being listed on the policy.
- The issue was resolved, but the family was advised to add children to policy.
A Michigan family faced an unexpected insurance issue after a minor car accident on Christmas Eve. Kara Vogel and Carson Howatt of Chelsea were involved in a crash where their 1-and-a-half-year-old daughter and 3-month-old son were present in the vehicle. Despite no injuries, the damage to their car was estimated between $5,000 and $15,000.
Geico reportedly denied the insurance claim, citing that all household residents must be listed on the auto policy, in accordance with Michigan law. The parents had signed a form listing only themselves, not realizing the implication for their children's coverage. The family had been with Geico for six months, prior to their son's birth.
Ultimately, the issue was resolved, preventing the family from incurring out-of-pocket expenses. However, Geico informed them that their children would need to be formally added to the insurance policy moving forward.
