First of all, I had been a loyal G**co customer for the past 3~4 years and today I just canceled my policy and switched to AAA.



Long story short, I have two little imperfections on my rear clam. One was from the end of year GGLC party in Redwood city and the other one was from parking on the street outside of my house. I filed a claim and try to get the clam repaired after the 2nd parking incident happened.



So I took my car to Specialty Car Craft in LA, got a rental car and went back to San Jose no problem. A week later, SCC called and mentioned G**co is doing an inspection and had paused the repair process. Out of curiosity I called G**co and asked what's up with the inspection they say they are evaluating the shop so give them a few days. I was like wtf? Evaluating the shop? okay.. so i waited another week or so and called them to see what's going on and they say now they are evaluating the damage on my car. 4 weeks later they send an on-field adjuster to me and showed me a stack of paper with my Lotustalk posts (they are mainly my Unikey posts btw lol )and asked me if I track my car or compete in any racing events. Then he asked me if I own a helmet, gloves, racing suits or racing shoes.... etc. People who know me in the area know that I do not track my car AT ALL, and from the evidence they try to pull out from Lotustalk, nothing has shown to against me, so they continue... Then they show me another stack of paper of my facebook photos, and pointed at the picture of a girl I was dating and ask me all sorts of weird questions. Up to this point I was pretty annoyed and confused why they were doing this. The adjuster even printed out a giant photo of me in a Stormtrooper suit on Hallowen (like the one in my avatar) asking me what suit that is, is that a racing suit for street race? Are you kidding me?



They ask me why I buy a lotus, why do I get a white one? Why I have volk wheels and was involved in selling another set of Volk wheel, why do I have all the mods and never take it to track, why I make the unikeys? Who is the girl I was dating and why I was selling some parts off my car..... things just got ridiculous and I was like ok, what do you want. then the adjuster asked again if i race my car, and I said NO, good luck on finding any evidence of me taking the car to track. He shuts up and said ok you have three choices: 1) wait another month for the result of inspection during which you'll have to pay for your own rental car, 2) find a lawyer and fight if you don't like what we are doing now, 3) withdraw the claim and get it repaired by yourself. I was like are u serious? I'm filing a claim because my car got hit, all I want is for you guys to repair it for me why do you make it so complicated? It just gives me a feeling that they are trying to find any excuse to not pay for the claim. In the end, the adjuster told me that the fact that I reported my claim a few days after the incident already voided my chance to get the car repaired thru G**co. I was like really? And he said ya. So i was very stupid and signed the withdraw form in order to save all the hassle and having to pay for the rental myself. The guy looked happy and left my place.



I then called a few other insurance companies about the fact that I file a claim a few days after the incident, would it make it invalid? None of them said it matters as long as you don't wait for like a year or so. So yes, I got tricked by G**co adjuster. I felt angry but well, it's my fault for not confirming things before signing a claim withdraw form.



Tomorrow is the payment due day for my next 6 months premium with G**co, therefore I went to AAA to sign up for my new insurance policy and planning to cancel my G**co policy afterward. The reason why I switch to AAA is because friends of mine who work in body shop have been telling me that AAA and state farm are the best at making repair done asap with no question asked. And after comparing the policy with same converges, AAA actually saved me another $400 per year. So that was an easy decision for me. I then called G**co to cancel my policy and guess what? They won't let me cancel it! I asked why and they say they got a new adjuster working on my claim and I might get my car repaired after all! So keep paying for the next 6 months while waiting for the result of the claim. I told them I signed the withdraw form already which closes up the claim, and why is that you guys just notify me now that the claim is still going on and my car will be repaired? It just seems very suspicious and I said i demand to cancel my policy, but the lady said no I can not do so. I got mad, and hung up the phone. Called again and this time I said I want to cancel my policy, the guy asked why? I said no reason, I just want to cancel it. And he did it for me which draws a period for this whole G**co crisis.



I understand G**co might be the cheapest option for some of you, but look around, there might be other affordable alternatives out there as well. The reason why I'm spending time to write this up is because I don't want fellow LTers to experience the same situation I just had. Anyway good luck and always park in a safe area.



to sum up:



1) don't post anything about you racing the car or taking it to track on lotustalk or facebook or any social media, they will void the claim even your accident is not track related.



2) G**co is known for being slow at making payments to body shops (it's concluded by 4 different body shops I go to from NorCal to SoCal)



3) if you get in accident or got a hit and run, report it right away within 3 hours. (this applies to G**co customers only)



4) if you have an after market supercharger, suspension or any performance parts that G**co does not know about, they will find out and your claim will be voided.



5) if they ask you why you want to cancel your policy, don't give any reason.