If you're involved in a motor vehicle accident with a GEICO–insured driver, you can get compensation by filing a claim against their auto policy. In Georgia, you're required to notify law enforcement if the crash results in injury, death, or property damage exceeding $500. Once the incident has been reported, the next step is to begin the claims process through GEICO.
If your records are detailed and accurate, your insurance claim is more likely to move forward (although you may get a lowball settlement offer at first). GEICO insurance adjusters rely on police reports, accident scene photographs, and medical records to assess liability and determine the value of your damages. By preparing these materials in advance, submitting them promptly, and working with a personal injury lawyer, you can improve the likelihood of a full recovery. This guide outlines how to file an auto claim with GEICO and what to expect at each stage.
How a Georgia Personal Injury Lawyer Can Help With Your GEICO Claim
GEICO, like all insurance companies, will try to limit what it pays in liability. If your injuries are serious or if liability is disputed, you may run into delays, low settlement offers, or claim denials. A Georgia personal injury lawyer can manage these issues on your behalf and protect your right to recover compensation.
Here’s how an attorney can help with your GEICO claim:
- Review the Policy and Explain Your Rights: Your attorney can read through the policy language and explain which parts apply to your claim. This helps you avoid common misunderstandings about auto coverage and limits.
- Collect and Organize Supporting Evidence: An attorney can help gather medical records, police reports, witness statements, photographs, and repair estimates to support your claim. This documentation improves your position during settlement discussions.
- Communicate Directly With GEICO on Your Behalf: Once hired, your attorney can handle all communication with GEICO. This protects you from saying something that could be used against you or accepting a settlement that’s too low for your current and future needs.
- Negotiate for a Fair Settlement: GEICO may offer less than what your claim is worth. A lawyer can prepare a demand letter with supporting documentation and push back against low offers.
- File a Lawsuit if GEICO Refuses to Settle: If GEICO refuses to pay what you’re owed, your attorney can file a lawsuit and take the case to court. This creates pressure and often leads to more favorable settlement terms.
Who is GEICO?
Note: If you're looking to get in contact with GEICO directly, please reach out to them. This post is for injury victims who need help navigating the insurance claims process.
GEICO, which stands for Government Employees Insurance Company, is one of the largest auto insurance providers in the United States. Founded in 1936, GEICO originally offered coverage to federal employees and military personnel but has since expanded to serve the general public nationwide. The company is a subsidiary of Berkshire Hathaway and is best known for its direct-to-consumer business model, allowing policyholders to purchase and manage coverage online or by phone without relying on local agents.
GEICO provides a wide range of insurance products, including auto, motorcycle, homeowners, renters, and umbrella coverage. It’s also widely recognized for its advertising campaigns featuring the GEICO gecko and humorous commercials. While GEICO is known for competitive rates and user-friendly service options, it approaches claims the same way as any large insurer: with an interest in minimizing payouts. That’s why it’s important to understand how their claims process works if you’ve been injured in a crash involving a GEICO-insured driver.
What is the GEICO Claims Process?
Given GEICO's status as the second largest auto insurer in the country, you may find yourself dealing with GEICO if you are involved in a Georgia car accident. You may even have GEICO car insurance yourself.
If you were in an accident and one of the drivers has GEICO, there are some important things you should know. Most importantly, you should know that GEICO is likely not looking out for your best interests. Instead, GEICO will do what it can to save money on your claim. The only way you will have someone on your side who is protecting your rights is if you hire a personal injury attorney.
So what should you expect if you find yourself dealing with GEICO after a car accident? Here's some basic information to help you know what to expect from the claims process.
Opening a Claim with GEICO
GEICO has an easy-to-use feature on its website that allows you to report your claim online. The online claims feature is open to anybody who is involved in an accident with a GEICO policyholder. You can also use the GEICO Mobile App or call GEICO's claims phone number at 1-800-861-8380.
Whether you open the claim online or on the phone, you will be asked a series of questions about your car accident and to provide information, such as:
- Your full name and contact information
- Full name and contact information of other parties involved
- Insurance information, such as company name and policy number
- Driver's license, license plate, and vehicle registration
- Type, color, and models of vehicles involved
- Location of the accident
If you do not know all the answers, do not worry. The claims representative just wants to know the information you have.
After your claim is set up you will be given a claim number. This claim number will be used whenever you call to check on your claim or discuss it. You can also use the claim number to monitor the status of your insurance claim online.
GEICO’s Investigation of Your Claim
GEICO's investigation of your claim will start as soon as the claim is opened. One of the most important questions GEICO will want to answer is who was at fault for causing the accident. To determine liability, GEICO will get a copy of the police report to see what the responding police officer's investigation revealed, whether any citations were issued, and whether any witnesses were interviewed. The GEICO adjuster may also interview witnesses.
After it has completed its investigation, GEICO will determine who was at fault. It may determine that two or more drivers were at fault and assign percentages of fault. If you were one of the drivers, it may determine you were at least partially to blame.
Under Georgia law, an injured person can recover damages for an accident as long as he or she is less than 50% at fault. If the injured person was 50% or more to blame then the injured person cannot recover damages. This is known as comparative fault. GEICO may use its comparative fault determination to reduce what it has to pay you for your property damage or bodily injury claim.
If you are dealing with GEICO as the insurer of the other driver, please remember that you should never give a recorded statement to the other driver's insurance company. GEICO will try to use any recorded statement you give to get you to say something it can later hold against you. However, if you are the one with GEICO, you may need to give a recorded statement because your insurance policy likely says you have a duty to cooperate with your insurance company.
Property Damage Claims with GEICO
One of the first steps after your insurance claim is opened with GEICO will be to get your vehicle damage handled. The insurance company should cover the cost of getting your vehicle repaired or replaced. Whether your car is repairable or totaled, you will need a rental car while your regular vehicle is at the repair shop and unavailable during the auto repair process.
Your own insurance policy, whether it was with GEICO or some other insurer, may have rental car coverage that pays for your rental car while your vehicle is being repaired. Regardless of what your coverage is, the other driver's insurance should be responsible for paying for vehicle repair costs and your rental vehicle if they were responsible for causing the accident.
After GEICO assesses the damage to your vehicle it will determine whether it can be fixed or whether it needs to be totaled. Your vehicle may end up being totaled if the cost to repair it, plus the cost of paying for your rental car and your diminished value claim, is close to or more than the amount GEICO could pay just to replace it.
If your vehicle is repaired then you may be entitled to diminished value. A diminished value claim is based on the fact that your car is generally worth less if it is damaged in an accident. The amount of a diminished value claim depends on several factors, including the make and model of the car, its condition, the car's mileage, and the amount of damage.
Personal Injury Claims with GEICO
Car accidents can result in serious injuries that may require emergency services, extensive medical treatment, and follow-up care. The medical bills and related costs can add up quickly. As such, a personal injury claim with GEICO should not be handled alone. Otherwise, you may miss out on the maximum compensation you deserve.
Importantly, you need a personal injury attorney if you are injured in a car accident, whether you are dealing with GEICO or some other insurance company. Insurance companies are not in the business of looking out for injured people's interests and paying the full value on their claims. On the contrary, insurance companies will do everything they can to pay you less than what you are entitled to receive. GEICO is no different.
Compensation Available in a GEICO Car Accident Claim
Your car accident claim with GEICO should include all of the damages you are entitled to claim. Your damages will likely include both economic and non-economic damages.
Economic damages include medical bills and lost wages, as well as any other out-of-pocket expenses. GEICO will be responsible for paying the full amount of your medical bills, regardless of whether they have been paid by health insurance or through some other source. GEICO, however, may try to challenge the amount of your medical expenses and argue that the amount your doctors charged is not “reasonable and customary.”
For your lost wages, you are entitled to claim your missed time from work. If you had to use sick leave, vacation days, or PTO time, or if you had disability coverage, you can still claim lost wages. The amount of your lost wage claim will be the number of hours or days missed multiplied by your wage rate.
While economic damages are normally capable of a precise measurement, non-economic damages are not. The types of damages include pain and suffering, mental and emotional distress, bodily disfigurement, and diminished capacity to labor. These damages are inherently subjective and depend on several factors. These factors include the types of injuries you sustained, the medical treatment you received, how long your injuries and pain lasted, whether you were disabled for some time, and your physical and mental condition before the accident.
Car insurance companies are notorious for undervaluing non-economic damages and trying to offer $1,000 or less when the claim may be worth thousands or tens of thousands of dollars more.
The Importance of Understanding the Value of Your Claim
So how are you supposed to know what your non-economic damages claim is worth when the insurance company is offering pennies on the dollar? The short answer is you likely won't know because you don't have the knowledge, training, and experience to make this determination. Only an experienced personal injury attorney can help you make this determination.
You should never settle a personal injury claim before you are done receiving medical treatment. After you are done with treatment, and have hopefully recovered from your injuries, your personal injury claim with GEICO can enter the settlement negotiations phase. This phase normally begins when the injured person sends a settlement demand to the insurance company. After the adjuster evaluates the demand he or she will either pay it or make a counteroffer.
If the settlement negotiations lead to a settlement then GEICO will require you to sign a release that releases GEICO and its policyholder from any further liability. The language in a release is important. The type of release you sign and the language that should be in the release depends on several factors. This is one of the many reasons why you need a personal injury attorney representing you.
If you are dealing with GEICO as your own insurance company then you need to know your GEICO policy may provide benefits for your personal injury claim. You may have uninsured motorist coverage. If you do, then this coverage can be used if the at-fault driver has no insurance or not enough insurance to pay all of your damages. Your GEICO policy may also have medical payments coverage, which can be used to help pay your medical bills, regardless of who was at fault.
Contact a Car Accident Lawyer You Can Trust
If you find yourself dealing with GEICO or some other car insurance company after an accident, and you would like a professional car accident attorney on your side who can advocate for you - Contact The Champion Firm, Personal Injury Attorneys, P.C. for a free consultation about your accident case.
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