We purchased our renters insurance through geico website. The policy has the Underwriter listed as American Bankers Insurance of Florida / Assurant. American bankers denied the claim and im going to file suit for bad faith. ( too long a story to list on here ) but im wanting to find out who is responsible, who do I now go after? Geico or American Bankers of Florida / Assurant? in Short, The adjuster with American Bankers stated when we applied, we failed to list a previous claim in another state some years ago, which I told her I have a copy of the Geico online application that clearly shows we DID list that information, she stated, "not with American Bankers you didnt". Yet she refuses to send me a copy of their application showing we didnt list that information.
If you do sue, you sue both companies. If the policy was sold on Geico's website, then American Bankers is either a subsidiary of Geico or it contracts with Geico to sell products on Geico's site, using Geico's reputation. I can see the advantage of the relationship with all the advertising that Geico does. Trial lawyer's rule of thumb: sue all possible parties and let the defendants sort it out.
I hope you are not intending to do this yourself . An insurance bad faith case is not a case to be tackled, pro se.
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