More importantly, why do they spend so much on advertising? Mom always said that when they advertise, imagine that what they say is the opposite of what is.

I personally have dealt with Geico twice when their clients hit me, and they spent lots of energy fighting me even though their clients were clearly in the wrong and were, indeed, cited. I would never insure with them. When I see the gecko, I always flip the channel. What a waste of resources!