I was in an accident, and my car got totaled. I have comprehensive insurance with Geico, but they’re telling me that since no other driver was involved, they won’t pay for anything, not even towing. When I went to get my stuff from the car, the tow truck guy said if Geico isn’t paying, he’ll have to charge me $1,300 for the tow. What do I do? I’ve been paying for comprehensive insurance, but it feels like I have no coverage at all. Is this even legal?
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Consider removing this post while you have the chance.
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Not knowing that collision coverage is what protects your car in case of a crash when you own a vehicle is a serious oversight.
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No scam; this is a collision claim, not a comprehensive one.
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It sounds like you’re describing a collision loss, not a comprehensive one. Do you have collision coverage? If you do, you might be covered based on what you’ve described (assuming your account is accurate). However, if you don’t have collision coverage, your policy would only cover liability. Comprehensive insurance covers sudden and accidental damage to your vehicle that isn’t caused by a collision.
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Comprehensive coverage typically covers incidents like fire, theft, vandalism, floods, falling objects, or animal-related damage, but it doesn’t cover accidents.
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It sounds like you might not have the right coverage for your vehicle. It’s surprising that an agent would write a policy for a vehicle that old and only include comprehensive coverage without collision.
I know it’s frustrating, but there could be a silver lining. This incident would likely be classified as an at-fault collision, which could impact your insurance record. If you had collision coverage, you might have already paid more in premiums than the vehicle’s value. So, by not having that coverage, you may have saved more money in the long run, especially considering the deductible you would have had to pay.
Do you have uninsured motorist property damage coverage? That could be the reason for their explanation about there being no other driver involved.
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That’s because Geico typically recommends only comprehensive coverage for vehicles older than 2019 when selling a policy. I know this from my time working there. Ultimately, the choice is up to the customer. While I would advise customers if they had questions, we weren’t supposed to suggest anything beyond that. In fact, it’s not even included in the coverage counseling we provide right before finalizing the payment.
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Odd. What’s the reason?
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Cost savings for customers: Typically, collision coverage is significantly more expensive than comprehensive coverage. However, I’ll be honest; when I had a '92 Chevy, I still opted for both, even though the truck wasn’t worth much. It gave me peace of mind, knowing I couldn’t afford to replace it on my own. I considered it like having an interest-free savings account. 
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Did you have Collision Coverage? This type of insurance covers your car for accidents involving collisions with other vehicles or objects, but not for incidents involving animals.
Comprehensive Coverage, on the other hand, protects against damage from vandalism, falling objects, windshield cracks, theft, hail, and other non-collision-related events.
So, Collision Coverage is specifically for accidents where you hit other cars or objects while driving.
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Comprehensive. I feel like they should at least pay the tow.