Secrets of Accident Claims Against GEICO Revealed

September 6, 2024 | J.L. King

Suppose you’ve been involved in a car accident, and the other driver is insured by GEICO. In that case, you might wonder how to navigate the claims process. While GEICO is one of the largest auto insurance companies in the United States, dealing with them can be challenging. In this post, we’ll reveal some insider secrets about handling accident claims with GEICO to help you get the compensation you deserve.

GEICO’s Initial Offer is Usually Low

One of the first things to understand is that GEICO, like many insurance companies, often starts with a low initial offer. They aim to settle claims quickly and for as little money as possible. Don’t be surprised if their first offer seems inadequate–it’s a common tactic. Don’t accept the first offer. It’s usually just a starting point for negotiations.

GEICO Uses Sophisticated Software to Evaluate Claims

GEICO uses advanced computer programs like Colossus to calculate settlement offers. These programs consider various factors, including the type of injury, treatment received, and your location. However, they can’t account for the unique aspects of your case. Provide detailed information about how the accident has affected your life. This human element can help counter the limitations of automated systems.

GEICO’s Adjusters Are Trained Negotiators

GEICO’s claims adjusters are skilled negotiators trained to minimize payouts. They may use various tactics, such as downplaying your injuries or suggesting you were partially at fault for the accident. Be prepared for tough negotiations. Consider hiring an experienced personal injury attorney who can level the playing field.

Documentation is Crucial

GEICO, like all insurance companies, bases its decisions on evidence. The more thoroughly you document your accident and injuries, the stronger your claim will be. Keep detailed records of everything related to your accident, including medical bills, lost wages, and a daily journal of how your injuries affect your life.

Insurance companies often check claimants’ social media accounts in the digital age. They’re looking for posts or photos that might contradict your injury claims. Be cautious about what you post online while your claim is pending. Even innocent posts can be misinterpreted.

GEICO Might Try to Delay Your Claim

Sometimes, GEICO may use delay tactics, hoping you’ll get frustrated and accept a lower offer. They might request unnecessary information or take too long to respond to communications. Stay persistent and keep detailed records of all interactions with GEICO. If delays become excessive, consider seeking legal help.

GEICO’s “Fast Track” Settlements Aren’t Always in Your Best Interest

GEICO often promotes its “fast track” settlement process, promising quick resolutions. While this can be tempting, rushing to settle before fully understanding the extent of your injuries can leave you under-compensated. Take your time. Only settle once you’ve reached maximum medical improvement and understand the full impact of your injuries.

GEICO May Dispute Medical Treatment

To reduce payouts, GEICO might argue that some of your medical treatment was unnecessary or unrelated to the accident. Follow your doctor’s orders closely and keep detailed records of all treatments and why they were necessary.

GEICO’s “Good Faith” Obligations

Insurance companies, including GEICO, are legally required to act in good faith when handling claims. They must investigate claims promptly, make fair settlement offers, and provide clear reasons for claim denials. If you believe GEICO is acting in bad faith, document everything and consult with an attorney. Bad faith practices can lead to additional legal claims and compensation.

GEICO’s Settlement Release Forms Are Binding

When GEICO offers a settlement, they’ll ask you to sign a release form. This document typically prevents you from seeking additional compensation for the accident. Read all documents carefully before signing, and have an experienced attorney review documents. Reopening your claim is tough once you’ve signed a release, even if you discover additional injuries later.

Contact a Car Accident Attorney at The King Firm Car Accident and Personal Injury Lawyers for a Free Consultation

Dealing with GEICO after an accident can be challenging, but understanding these secrets can help you navigate the process more effectively. Remember, GEICO’s primary goal is to protect their bottom line, not to ensure you receive fair compensation. If you feel overwhelmed or unsure about handling your claim, seek help from an experienced personal injury attorney with The King Firm Car Accident and Personal Injury Lawyers. We can level the playing field and help you get your deserved compensation. Our Macon personal injury lawyers are here to help you.

We have three convenient locations throughout Georgia:

The King Firm Car Accident and Personal Injury Lawyers – Tifton Office
1603 US Hwy 41, Tifton, GA 31794
(229) 386-1376

The King Firm Car Accident and Personal Injury Lawyers – Griffin Office
3317 Fayetteville Rd, Griffin, GA 30223
(404) 567-4546

The King Firm Car Accident and Personal Injury Lawyers – Macon Office
886 Mulberry St, Macon, GA 31201
(478) 292-7272

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