GEICO is one of the largest auto insurance companies in the US. With more than 15 million policyholders, there is a high likelihood if you were in an accident, you will be dealing with GEICO.Although the company has revenues over $25 billion per year, this does not necessarily translate to high (or even fair) payouts for its policyholders. If anything, GEICO has a reputation for being one of the toughest insurance companies to deal with for injury victims.If you were injured or incurred property damage in a car accident and are now looking to file a GEICO claim, it is vital to proceed with a plan. This page explains all you need to know about filing a GEICO claim and increasing your chances of a fair settlement.
What is it like to deal with GEICO?
GEICO is well-known for its friendly commercials headlined by its lovable gecko. In many ways, this is typical of the companyâ€™s public relations. Its insurance agents and loss adjusters are extremely courteous, and all its processes are designed to be easy-to-use for policyholders.However, this friendly nature does not always extend to the most important aspect for consumers â€“ settling claims. GEICO is not popular for being generous with policyholders and, like most insurers, owe its first allegiance to its bottom line.The company has also had incidences, even as recently as March 2020, where its policyholders complained of predatory and dishonest practices. A California class-action lawsuit filed against the company alleged that GEICO misled policyholders into buying â€œinferiorâ€ policies.The lawsuit claimed that GEICO capitalized on policyholdersâ€™ confusion as to the technical meaning of â€œcomprehensiveâ€ insurance. They nurture a false belief that comprehensive insurance would provide both liability and collision coverage when, in fact, it covered only liability coverage.Another lawsuit by the Florida Spine and Joint Institute in April 2020 is alleging that GEICO is â€œengaging in systemic fraud by denying coverage to their customers by refusing to pay for legitimate medical servicesâ€ validly rendered under applicable policies.Keep in mind that these lawsuits may be isolated events and are to be expected as all insurance companies face legal action at one time or the other. However, it pays to be extra diligent in preparing for your claims process, so you have the best chance at recovery.
What should you do immediately after your car accident?
It is important that you carry out certain specific actions in the aftermath of your accident. These will be vital to laying a solid foundation for your claim; it is important that you:
Get medical attention, let a medical doctor look you over, and report all your injuries, not just the worse one.
Get a police report. Even if the police did not come to the scene, go to a police station and file a report.
Gather as much evidence as you can. This can include taking pictures of the accident scene and interviewing witnesses. When you are done, sit and write down all you remember about the accident.
Ideally, you should talk to GEICO claims attorney first before proceeding to the next step.
Contact your insurance agent as soon as you can, even if the accident was minor. But keep the contact to the bare minimum and do not sign or agree to anything.Keep in mind GEICO will likely record the conversation.
Important â€“ Only inform the agent of the bare details about the accident and that you will be filing a claim shortly. Do not speculate on liability and keep your opinions to yourself.
What is the process for filing claims with GEICO?
GEICO typically has a range of means through which policyholders can file claims. After speaking with your insurance agent, you should have received instructions on how to get started with filing your claim and which of the available means you should use.However, the auto insurance company typically prefers using a mostly electronic process. This means your claims will usually be filed online either by phone, email, mobile app, or through their website. You can go through any one of these means that is most comfortable for you or as instructed by the agent.If you are filing your claim through the GEICO mobile app or website, you will need to create a user profile before proceeding to file your claim. Ensure that you have all the necessary information at hand before you get started on filing.
What information do you need to file your claim?
When filing your claim with GEICO, it is important that you have the following information at hand:
Your insurance policy number or if the accident is severe, the details and policy number of the at-fault driver.
A copy of the traffic crash report.
If there were passengers involved in the accident, provide the contact information of all passengers (usually in the traffic crash report).
If you were able to secure witnesses to the accident, provide the contact information of all witnesses (usually in the traffic crash report).
Any evidence you have from the scene, such as pictures or videos of the property damage.
Details of all bodily injuries you suffered due to the accident, as well as documentation of your injuries, including any recommendations made by the doctor.
All wage loss information, as well as reports from your health care providers about your restriction due to the traffic crash.
Details of other losses suffered, including damage to your car
You can also provide the contact information of an auto repair shop that you trust to provide an independent estimate of your likely repair expenses
What happens after you file your GEICO claim?
Once you file your claim, you will be assigned a claim number. This number identifies your claim and distinguishes it from the thousands of claims filed against the company. The number enables the company to track your claim internally and will also need to be provided if you want to check on the progress of your claim.The next thing that will happen is GEICO claims loss adjusters will get to work on investigating your claim and verifying your story. The investigation will include examining the police report, evidence and documentation you provided, as well as potentially speaking to witness if you have provided any.Be prepared to receive calls from the loss adjuster requesting clarification about the accident or simply asking for your account. You must be extremely careful about whatever you say at this point, as it may be used to distort your account. If you have already secured legal representation at this point, you can direct them to your attorney instead.Once the claim has been evaluated, the loss adjuster will make you an offer. Usually, the first offer is far from fair. Click here to understand better what your case is worth.
When should you contact a GEICO claims attorney?
In most cases, you should contact a GEICO claims attorney immediately after your car accident. This is especially important if you suffered bodily injury due to the accident. Claims of this nature are often complicated and will typically require the assistance of an attorney to force a fair settlement.
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I hired Dave Dismuke to help me with a legal issue. From our very first meeting, I could tell I had hired the right attorney for the job. He took interest and got all the information he needed to get started. His staff was very helpful and always had an answer to my questions when I called. I would definitely recommend David. He stayed in contact with me on a regular basis to update me on the progress. I was very happy with the results.
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I would like to personally Thank Mr. Dismuke and his team for always being there for me during a very frustrating and difficult time. I called Mr. Dismuke and his team and immediately they sent an investigator out within 30 mins of our phone call and two hours later they were calling me to schedule doctor appointments. Jennah his asst has been just wonderful I recently suffered a severe concussion due to a drunk driver that hit me and my 4yr old son. Jennah has taken the time to schedule all of my appointments that were needed to get me on the right track to feel like my old self. She has also taken the liberty to text me all the information that I needed which was a relief for me because it’s hard to remember a lot of things. This whole process has just been headache-free. Thank you and your team for being just so awesome and understanding!!
Cristina has always been very helpful.
Cristina has always been very helpful to other paralegals in Florida and the nation. Thank you.
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Jennah Williams previously worked for me for a few years. During this time Jennah pushed herself to learn about the operation until she was able to do any task. Jennah was always very professional, positive, friendly, and willing to help. It was a sad day when she left.
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If I ever need an attorney again, they'll be who I call.
After my car accident, I didn’t really want to deal with anything. I was already going through so much dealing with the pain, Doctor’s and physical therapy. But the team at Dismuke Law made this process very easy. All the people in that office are amazing and so nice. They made sure my case was handled and completed in a timely fashion. It really went by so quickly. The people are so sweet and understanding of what you're going through, especially Alexis Costa!! She is a sweet and intelligent young woman. She went out of her way to make me feel comfortable and explain things to me that I didn’t understand. I just really want to Thank the team at Dismuke Law for everything that y’all done for me. If I ever need an attorney again, you’ll be who I call. Thank you!!
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Great customer service!
Great customer service, Nicole was a tremendous help on the phone!
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Now I understand why, this is proactive, get things done kind of firm.
I never needed an attorney before February, not sure who would be the best option for me after my accident. I started by looking at reviews, and after checking out several firms, I decided on Dismuke Law. The firm had the best reviews and everyone seemed happy at having chosen Dismuke Law. Now I understand why, this is proactive, get things done kind of firm. I was in need of medical and dental attention after my accident, not being able on my own to get what I needed everyone went into action, getting my problems taken care of. One of my biggest things was that my dentures were broken in my fall, I was getting married in a couple of weeks, and refused to get married without them. I will be picking up my dentures on Thursday, March 28, and getting married March 30th. This would have never happened if it had not been for Alexis Costa. She is the best. When she realized how upset I was she began getting me answers as to where to go and what to do so I could get what I needed and not have to cancel my wedding. Also a big Thank You to Jennifer, one of the investigators, she came to me very quickly to get the process started. I spoke with Mr. Dismuke by phone, he is a very caring and understanding man, explaining every step of the process as we go along. I know I have forgotten others that I have spoken to in the office, but please know I appreciate and thank each of you for everyone that has and continues to be there for me in this process. YOU ARE ALL THE BEST!
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David is professional and has a vast knowledge of his field.
I’ve personally known David for many years. He is professional and has a vast knowledge of his field. I would highly recommend using Dismuke Law.
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The staff was amazing!
I was referred by a friend. The staff was amazing. Jennah was very accommodating and was able to answer all of my questions. I would highly recommend this law firm.
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Very knowledgeable and friendly.
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I will definitively rely on this office for all my legal needs.
I randomly called this office seeking legal advice and had the pleasure of speaking with Stephanie, she was very polite, helpful and put me at ease regarding my legal needs. Stephanie was the first person I spoke to and based on my interaction with her I will definitively rely on this office for all my legal needs. If you are looking for any help regarding legal needs, I highly recommend giving Stephanie a call so she can lead you to the right person for you.
- Kyla E.
David Dismuke is an expert in his field and maintains a “client first” perspective that gets results!
I have had regular communications with this firm for over a year and a half now. Each time I am impressed. Jennah, whom I have spoken with most often, is always prompt in returning my emails/calls. She is always professional, knowledgeable, and compassionate- which is exactly what you need during such a stressful time. David Dismuke is an expert in his field and maintains a “client first” perspective that gets results! I have and will continue to recommend Dismuke Law.
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