GEICO is one of the largest auto insurers in the US and sells its policies through registered local agents or via a GEICO Insurance Agency partner using the phone or simply the website. After a car accident, one of your goals will be to be adequately compensated by your insurance company. In this article, we tell you the steps you need to take to file a GEICO car insurance claim.
As a registered member of GEICO, you may have to file car accident claims if you are involved in an accident. The other driver may also have GEICO requiring you to file a claim if they are at fault. Follow these steps to correctly handle a claim and get the best settlement possible.
Coverage
“Full coverage” is an insurance myth. Ultimately, you should choose the coverages that are right for you. Auto insurance includes liability coverage, vehicle coverage, coverage for yourself, and other optional coverages.
The different coverages by GEICO car insurance include:
- medical payments and expenses,
- lost wages,
- liability coverage
- lost earning capacity,
- property damage,
- out-of-pocket expenses, and
- pain and suffering
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What You Should Do at the Scene of the Accident
- Check to see if anyone was hurt
- Call 911, to request any needed medical assistance
- Move your car to a safe location, but do not leave the scene
- Do not admit fault or reveal your policy limits
- Contact the police. They’ll send an officer if necessary
- Exchange information with those involved
- If your car isn’t drivable, request roadside assistance
Required Information to File a Claim
Before you begin filing a Geico car insurance, it’s crucial to have different kinds of information on hand before submitting a claim. This comprises:
- Date and time of the accident
- Location of the accident
- Vehicles involved (make, model, license plate)
- Description of the accident
- Description of the damages
- Names, phone numbers, mailing addresses, and email addresses of the other driver(s), all vehicle occupants, and witnesses
- Insurance information from others involved: company name, policy number, and phone number.
- Any photographs, police reports, or other evidence of the crash.
Steps to Take to File Car Insurance Claim with Geico
If you get into a car accident, make sure to follow the steps below to secure a chance of getting fair compensation:
Step 1: Get a Police Report
Contact 911 and get a police report about the incident. It’s important to call the police even if the accident appears relatively minor, even if it’s an isolated incident. You will use a police report to support your insurance claim. Geico will require that you supply the Police report number, phone number, and name and badge number of the officer.
Step 2: Exchange Contact, Driver’s License, and Insurance Details with the Other Driver
If there is evidence that the other driver is responsible, such as proof of distracted driving or speeding, file your claim with his or her insurance company. At the scene of the crash, exchange information with the other driver. This includes the name of the driver’s car insurance provider and his or her policy number. If you caused the crash, you will file a claim with your own insurance policy.
Step 3: Take Photos and Videos as Supporting Evidence
Take photos of the accident and the accident scene. GEICO will also require the following information and details about the accident: the state where your crash took place, the date and time of the accident, and a general description of the collision. When you contact them to file a claim, make sure you show proof of your losses.
Step 4: Treat your Wounds
After the accident, you should enter the nearest medical center to treat your wounds if you’ve sustained injury. But you must save all the medical records and receipts spent so you could be reimbursed by Geico.
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Step 5: Contact Geico
After the accident, you must contact an agent with your insurance company to report that you were involved in an accident whether you were at fault or not.
Step 6: File a Claim
There are two types of insurance systems in the United States:
- At-fault insurance systems. In states that have an at-fault insurance system, the driver who causes the accident is responsible for the resulting damages. In these states, all insurance claims are filed with the at-fault driver’s insurance company.
- No-fault insurance systems. In states that have a no-fault insurance system, each driver files a claim with their own insurance company regardless of who’s at fault for the accident.
You can file a car insurance claim with GEICO in three different ways. You can call (800) 841-3000 to reach their claims department by phone. Also, you can utilize their online claims system or download the GEICO mobile app and follow the steps to file.
Filing by phone or online will put you in touch with a GEICO representative who will help you file a claim. The mobile app helps you get through the process with step-by-step instructions and also allows you to upload photographs.
Step 7: Protect Your Claim and Your Rights
Like other car insurance companies, Geico is a for-profit organization. They use many tactics to minimize the amount that they pay to clients. Claims adjusters at Geico may argue with you as to who is “at fault” or liable for the accident. This tactic can discourage the injured party from getting the medical care he needs out of fear that he will be out of pocket for the bills.
It is important to be cautious when dealing with the GEICO claims adjuster and understand your rights as a claimant. To protect your claim and your rights, your best option is to contact a personal injury attorney before you contact Geico. Your lawyer can help you identify a “lowball” offer from GEICO and negotiate with them to obtain the settlement you deserve.
Step 8: Choose a Repairer Shop
After you file your claim, you will need to schedule a time to bring your vehicle into a repair shop. You can choose any repair shop, but GEICO often recommends using one of their Auto Repair Xpress facilities.
How Long Does it Take to Settle a GEICO Car Accident Claim?
GEICO states that they attempt to settle claims within 48 hours of the accident. Settling a complex car accident claim may take longer than 48 hours. Once you sign a settlement agreement, you will not be able to pursue your claim in court. It is worth waiting to secure the most financial compensation possible.
When to File a Claim
There is no time limit on how soon a policyholder must file a claim with Geico. This is because Geico cannot deny claims based on late notices. If you have no personal injury experience, it may be up to you to contact the insurance company and notify them. But we recommended that you file a claim as soon as possible when the evidence remains fresh. Waiting too long to file a car accident claim could give Geico a reason to outrightly deny your claim.
Common Reasons Geico Deny Auto Claims
Sometimes Geico may deny some insurance claims when the process proves to be unsatisfying. Three common reasons why Geico denies car insurance claims are:
- letting an unlicensed driver operate your vehicle
- not filing the claims within the stipulated time
- delaying medical care for too long
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Filing Geico Car Insurance Claims via Mobile App
If Geico is your insurance carrier, you can log into your account on the internet or through their app on a smartphone. The Geico smartphone app walks you through the accident reporting process. You may download the app from the Apple store or Google Playstore.
Filing State Farm Car Insurance Claim via Website
You can also file your car insurance claims on Geico using the website. Visit the claims section and follow the instructions on the screen. Click here to get started. I
Geico Claims Phone Number
You can initiate a claim with Geico by contacting the insurer directly at (800) 841-3000. This number is operational 24 hours a day, 7 days a week.
Geico Claims Contact
you can contact Geico for car claims by clicking here for virtual assistance.
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