How to Handle a Car Accident Claim with Geico
With around 12 million active auto insurance policies and more than 20 million insured vehicles, Geico is undoubtedly one of the biggest players in the insurance industry. While drivers throughout the state of Texas hit the road fully covered, it’s not always easy to handle the claims process. Unfortunately, many insurance companies have a tendency to minimize settlements when injuries or serious damage are involved.
Dealing with a Car Accident
When you pull out of your driveway in the morning, a car accident may be the last thing on your mind. However, mistakes happen and drivers make poor decisions, which can result in collisions. If you were to find yourself in a car accident, would you know how to handle the claims process with Geico?
Immediately After an Accident
Right after the accident occurs, it’s important to focus on health and safety. Make sure everyone in your vehicle – including yourself – is free from serious injury. If a passenger is hurt badly, immediately dial 911. Next, ensure drivers and passengers in all other vehicles are okay.
Once you have established everyone’s well-being, call the police. While waiting for the authorities to arrive, jot down the personal information of all parties involved. This includes their insurance carriers and policy numbers. Also, make sure to get the names and phone numbers of all witnesses at the scene. When the police arrive, they will review the details of the accident. They’ll speak with each party separately and take statements before writing an official accident report. This document will play a major role in the claims process.
Should You Contact the Geico Claims Department After an Accident?
Yes you are obligated to report an accident. Geico allows you to report the claim online, through their smartphone app, or by calling 1-800-841-3000. You will need to notify them of the collision, and they will want all the details you can provide. While insurance companies tend to want all the details about a crash immediately, it may be wise to hold back. Insurance companies are notorious for shortchanging policy holders, and anything you say can be used against you. Before discussing anything in detail, it may be in your best interest to contact a personal injury lawyer to guide you through the process.
Car Repairs and Injury Treatment
Because Texas is a “fault” state, you can file a personal injury lawsuit or liability claim against the other party. Geico will attempt to determine the allocation of fault and which insurance provider is required to pay expenses related to the accident. If one driver is wholly at fault, it’s a pretty easy case. If fault is determined to be partially caused by multiple drivers, the costs can be proportionately distributed between multiple providers. At least, this is what the insurance companies advertise.
Without representation, you’re left to the mercy of your insurance provider. While they may give you exactly what you deserve, it’s possible they will hold something back.
What You Need to Know
Car accidents – whether minor or serious – should be dealt with carefully and meticulously. After an accident, make sure you understand the appropriate way to file a claim. It’s important to know what type of coverage you have, how to contact Geico, and what the process looks like. While you’ll be asked to provide as much details as you can, you’ll want to discuss your options with an attorney before divulging valuable information.
Attorney Brian White
If you are hurt in a car accident and need legal assistance navigating the process, contact attorney Brian White today. With years of experience handling motor vehicle accident and injury claims, Mr. White understands how to deal with insurance companies, doctors, and other lawyers. He would be happy to help you better understand the claims process and will assist with all of your legal needs.