"Earlier this year I received a modest inheritance upon my father's death and, seeking something meaningful to do with that money, I spent it on the purchase of a pre-owned recreational vehicle (RV)".
"Unfortunately, even though we had the RV fully inspected prior to purchase, within several weeks its engine caught fire while it was in use, burning up much of the electrical system wiring and leaving me stranded without lodging or transportation far away from home. No problem, I thought; I'll file a claim with GEICO, and it will be quickly resolved. After all, an engine fire is the sort of thing that clearly falls under my comprehensive coverage, and my "Emergency Expense" coverage also calls for GEICO to pay "reasonable expenses for temporary living facilities [and] transportation back to your residence ... if the insured RV is inoperable due to a covered loss and is over 50 miles from your residence."" (emphasis added).
"Two months after filing my claim, I'm still waiting. GEICO has said nothing to me about the resolution of the claim, they have neither offered nor paid out any money towards the repair or replacement of the RV, and they have neither offered nor paid out any money towards defraying my out-of-pocket costs for lodging and transportation back home. (It's completely useless to have "emergency" expense coverage for transportation and lodging costs when an insurer takes months and months to decide whether they'll even pay it.)"
This comment also illustrates how people over-insure themselves. The major expense here is having the vehicle catch fire. What seems to be galling them is that a motel room was not paid for. You are better off simply not insuring trivial things like "loss of use" than to try to insure them. Not only will you save a lot of money in premiums, you will spend less in the long run. If the motorhome catches fire, take it to a mechanic and buy a bus ticket back home. Problem solved, for less than $100. Playing lawyer to have them pay for a motel room is just stupid, in my opinion.
"Calls to that claim examiner's supervisor also roll over to voicemail and go unreturned. (Despite the company's assurance that supervisors have a policy of returning all calls within two hours, a week after asking to speak to a supervisor I'm still waiting in vain for him to respond to a single one of my innumerable voicemails). If I manage to circumvent GEICO's Voicemail Hell system and actually get a live GEICO employee on the telephone, they invariably transfer me to yet another voicemailbox or, failing that, simply hang up on me. Not only has GEICO declined to resolve my claim, they've refused to even discuss it."