What Is GEICO Claims and How Does It Work?

When you have been involved in a car accident, the aftermath can be overwhelming. Between managing medical bills, repairing your vehicle, and dealing with the emotional toll of the experience, navigating the claims process with an insurance company can feel daunting. If you are insured by Geico or filing a claim against a Geico policyholder, understanding their claims process is essential for securing the compensation you need.

Below, our reputable car accident lawyer from Goldenzweig Law Group, PLLC explains how Geico’s claims process works, provides practical steps for filing a claim, and offers tips to avoid common pitfalls. Whether you are just beginning the claims process or running into obstacles along the way, this information can help you prepare accordingly.

Overview of Geico’s Claims Process

Geico aims to make its claims process efficient and user-friendly. Once you report the accident, the process generally includes the following steps:

1. Report the accident to emergency responders
2. Investigate the cause of the wreck
3. Assess the value of your damages
4. Make a settlement offer

While the process seems straightforward, complications can arise, particularly if liability is disputed or you believe the settlement offer is too low. Remember, Texas follows proportionate responsibility laws under Tex. Civ. Pract. & Proc. Code § 33.001. 

Filing a Geico Claim

Filing a claim with Geico involves several steps. To ensure the process goes as smoothly as possible, follow our quick step-by-step guide:

1. Gather information – Collect all relevant information, including the other driver’s insurance details, photos of the accident scene, witness statements, and the police report.
2. Report the claim promptly – Notify Geico of the accident through their app, website, or hotline. Provide accurate details about the accident.
3. Provide sufficient documentation – Submit necessary documentation, such as repair estimates, medical bills, and photos of the damage.
4. Work with the insurance adjuster – Be available to answer questions and provide additional information as requested by the claims adjuster.
5. Review the insurance company’s settlement offer – Once Geico completes its investigation, carefully review the settlement offer. Compare it to your actual expenses and projected future costs.
6. Negotiate a reasonable settlement – If the offer does not fully cover your damages, do not hesitate to negotiate. A dedicated truck accident lawyer with our law firm can help show them you will not be taken advantage of. Provide additional evidence to support your claim.

Important Details About Filing a Claim With Geico

When filing a claim with Geico, having the right documentation and knowing what to do, and what to avoid, can make the process that much easier.

Required Documentation

When you file a claim with Geico, include the following documentation:

• Medical records
• Photos and videos of the accident scene
• Repair quotes
• Witness contact information
• Your crash report

Do’s and Don’ts

• Do file your claim quickly
• Do keep detailed records
• Don’t admit fault or express guilt for the accident
• Don’t accept the insurance company’s first settlement offer without a legal review

Common Issues With Geico Claims and How to Resolve Them

While Geico’s claims process is designed to be straightforward, challenges can arise. Here are some common issues you might experience when filing a claim with Geico:

Low Settlement Offers

Geico may undervalue the cost of repairs or medical expenses. To address this, provide detailed documentation to justify the true cost of your damages. Getting a second opinion from a repair shop or medical professional you trust can also support your case.

Disputed Liability

If Geico disputes who was at fault, gather additional evidence, such as traffic camera footage or witness statements. 

Delayed Payments

Insurance companies are required to process claims within a reasonable timeframe. If Geico delays payment, follow up regularly and document all communications. If delays persist, further legal action may be necessary.

Geico Claim FAQ

How long does Geico take to settle a claim?

The timeline varies depending on the complexity of the case, but straightforward claims may be resolved within a few weeks. Complicated cases involving disputes or severe injuries can take longer.

What happens if the other driver is uninsured?

If the at-fault driver is uninsured, you can file a claim under your uninsured motorist coverage if you have opted into this coverage as part of your personal auto insurance policy.

Can I appeal a denied claim?

Yes, you can appeal Geico’s decision by providing additional evidence and requesting a review. If necessary, seek legal representation to strengthen your case.

Does Geico cover rental car expenses?

Rental car expenses may be covered if you have rental reimbursement coverage on your policy.

Speak With a Top-Rated Texas Car Accident Lawyer for Help Today

Navigating the claims process with Geico can be stressful, especially when you are trying to recover from the physical and emotional impact of a car accident. If you are struggling to secure fair compensation or facing challenges with your claim, an experienced Texas car accident lawyer from Goldenzweig Law Group, PLLC can help. From gathering powerful supporting evidence to negotiating with Geico insurance adjusters, we will protect your rights every step of the way.
We have helped countless accident victims obtain the compensation they deserve, and we are here to help you too. Contact us today to schedule a free, no-obligation consultation and discuss your legal opportunities for financial recourse. Fill out our online contact form or call us to get started on your Geico insurance claim as soon as today.

Stephen Goldenzweig

Stephen Goldenzweig is a highly experienced trial lawyer and compassionate advocate who has built his career on protecting the rights of everyday people.