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I'll admit that the rare times some dbag hits me, I prefer that theyre geico insured. The whole process just moves more smoothly. That and the rare times I dont get what I want, my insurance steps in and muscles them..easily. I guess the reason geico is so high is because they really insure some fucking idiots.
Most property damage claims filed through GEICO are handled within 48 hours. The reason they are so high, like any insurance company, is actually to make sure they can afford to insure idiots.