Got hit by a Geico insured once.
Response was fair, with the exceptions being:
They attempted to reschedule my rental pickup, during a blizzard, when I could not fully shut the door of my car. It sucks driving ~40 miles with it snowing on the side of your face. I yelled, I got my rental that day.
They bounced a check on me. I told them I would pickup the check from the local office due to mail theft at my apartment. I picked up the check and deposited it in the parking lot using my cell. It was promptly canceled by Geico, with no call or notice to me. They said it was a duplicate because they mailed one. I never got mail. I yelled, and took off work early to go pickup another. It cleared.