GEICO had told the woman that her car insurance coverage didn't apply because the damages claimed weren't due to normal use of the vehicle. The composite car complaint report is also available in one-page Excel format. She says that the man was insured against his personal liability resulting from his negligence in actions related to his car, and that makes GEICO responsible. Studies have shown that insurance fraud costs the insurance industry billions of dollars every year2 and is not a crime without victims.
GEICO states that car owner's requests for coverage should be dismissed because they are prohibited by a number of legal doctrines, such as fraud, collusion, illegality, lacerations and dirty hands.