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Started By
Message
Geico denies car insurance claim because toddlers weren't listed on policy
Posted on 1/9/26 at 1:27 pm
Posted on 1/9/26 at 1:27 pm
quote:
WASHTENAW COUNTY, Mich. (WDIV) - A Michigan couple says they were told by Geico that a Christmas Eve car crash wouldn’t be covered because their two young children were not listed on their insurance policy.
Parents Kara Vogel and Carson Howatt say they were going through a roundabout on Christmas Eve when another driver didn’t yield and hit the front of their car. They had their 1-year-old daughter and 3-month-old son with them at the time.
“We weren’t thinking like, ‘This is going to completely ruin our financial situation.’ It didn’t seem big. The airbags didn’t go off,” Vogel said.
quote:
Geico told him that might impact the couple’s coverage, saying they signed a form affirming they were the only two people in the household. The form says all relatives, regardless of age, must be disclosed to Geico.
Howatt admits he signed the form and says it was a mistake, but like many people, he was accustomed to only having to list people of driving age on the form.
quote:
The damage to the car could have cost the family between $5,000 and $15,000, but Vogel says Geico later told them they plan to cover it despite the issue with the form. The couple now hopes their story serves as a cautionary tale to others.
Geico says their policy is in line with Michigan Personal Injury Protection requirements, which state all household residents must be listed on the car insurance policy, regardless of age. The insurer also noted that all auto insurance companies in the state have the same requirements.
https://www.fox10tv.com/2026/01/06/family-says-geico-denied-claim-after-crash-because-young-children-werent-policy/
18
Posted on 1/9/26 at 1:31 pm to Shexter
Posted on 1/9/26 at 1:33 pm to Shexter
Honestly, I get the policy. Geico recognized it was a mistake and cut them some slack. There isn't much more to it than that.
Posted on 1/9/26 at 1:35 pm to Shexter
Did they claim the children were injured?
Why the frick wouldn’t GEICO cover the damage to the car? Even preliminarily. The car and the children are separate issues. If they claimed injury to the kids, I could see the argument - “Hey, we didn’t underwrite that risk, so it isn’t covered.”
But that shite has nothing to do with the car.
fricking idiot agent at GEICO. Glad they got it figured out at least.
Why the frick wouldn’t GEICO cover the damage to the car? Even preliminarily. The car and the children are separate issues. If they claimed injury to the kids, I could see the argument - “Hey, we didn’t underwrite that risk, so it isn’t covered.”
But that shite has nothing to do with the car.
fricking idiot agent at GEICO. Glad they got it figured out at least.
Posted on 1/9/26 at 1:40 pm to LoveThatMoney
If they werent at fault its time to get gordon
Posted on 1/9/26 at 1:43 pm to Shexter
Corporations and the government tirelessly working together to frick over the common man
Posted on 1/9/26 at 1:43 pm to Shexter
this is a non story with an tv segment and article and people are now reposting it and other people are reading about it 
Posted on 1/9/26 at 1:44 pm to Shexter
quote:
Vogel says Geico later told them they plan to cover it despite the issue with the form.
Damn so Geico let them slide and they still went to the media?
Also, shouldn't the other driver's insurance be covering this anyway?
Posted on 1/9/26 at 1:52 pm to JohnnyKilroy
quote:
Also, shouldn't the other driver's insurance be covering this anyway?
That was my first thought. I'm assuming Geico is the insurer of the at-fault driver and this was a roundabout (pun intended) way of screwing the victim, which Geico is known to do.
Could also be a case of an uninsured derelict hitting this family.
Posted on 1/9/26 at 1:52 pm to LoveThatMoney
quote:
Why the frick wouldn’t GEICO cover the damage to the car? Even preliminarily.
Probably a form letter that they send out anytime there is anything that could potential help mitigate their costs.
quote:
fricking idiot agent at GEICO
You mean the one that used logic and eventually agreed to cover the damages?
Posted on 1/9/26 at 1:53 pm to JohnnyKilroy
quote:From the article:
Also, shouldn't the other driver's insurance be covering this anyway?
Michigan Personal Injury Protection
This sounds like some form of no-fault insurance. If so, it's handled much differently than conventional insurance situations.
Posted on 1/9/26 at 1:56 pm to Shexter
quote:
Geico denies car insurance claim because toddlers weren't listed on policy
You should probably re write the subject of the OP to accurately reflect what happened.
You even quoted what happened.
quote:
Geico told him that might impact the couple’s coverage, saying they signed a form affirming they were the only two people in the household. The form says all relatives, regardless of age, must be disclosed to Geico.
quote:
The damage to the car could have cost the family between $5,000 and $15,000, but Vogel says Geico later told them they plan to cover it despite the issue with the form.
Geico, actually covered it. SO the headline should be, "Geico does a good deed, despite owners lack of knowledge of his own coverage"
Posted on 1/9/26 at 2:08 pm to BugAC
Or, you can take it………I have to fill up a form every time I leave in my car, telling Geico how many passengers I have and who they are.
Posted on 1/9/26 at 2:08 pm to Shexter
Geico has been doing this to people in Louisiana too.
Posted on 1/9/26 at 2:10 pm to BugAC
quote:
Geico does a good deed
Posted on 1/9/26 at 2:20 pm to Shexter
They would have had file an E&O claim because they weren't properly informed that household includes all non-drivers as well.
Michigan is the only state that is worse than Louisiana when it comes to car insurance. Now I see why.
Michigan is the only state that is worse than Louisiana when it comes to car insurance. Now I see why.
This post was edited on 1/9/26 at 2:22 pm
Posted on 1/9/26 at 5:08 pm to BrianKellysbuyout
I see where they are covering but as stated the other driver is at fault and his ins should cover. But back to the original refusal. What if it was 2 friends in the car with them and not their kids? Would that be a non-coverage as well? 
Posted on 1/9/26 at 5:13 pm to Kenna City Solja
quote:
Corporations and the government tirelessly working together to frick over the common man
Geico covered it.
Why is the family trying to defraud Geico in the state of Michigan?
This post was edited on 1/9/26 at 5:13 pm
Posted on 1/9/26 at 5:41 pm to Geaux-2-L-O-Miss
quote:
I see where they are covering but as stated the other driver is at fault and his ins should cover. But back to the original refusal. What if it was 2 friends in the car with them and not their kids? Would that be a non-coverage as well?
If Michigan is a no fault state the PIP coverage ( similar to Medical Payments coverage in other states)would be applicable to the non resident passengers.
In some no fault states the PIP coverage is primary until certain thresholds are met. Of course our noble plaintiff's bar in Louisiana would assure they jump that hurdle very quickly.
Posted on 1/9/26 at 5:44 pm to BrianKellysbuyout
quote:
Michigan is the only state that is worse than Louisiana when it comes to car insurance. Now I see why.
Why do you believe Louisiana is the second worst state for insurance? Do you have personall knowledge or just parroting what you have heard others say? Any personal anecdotal evidence?
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