The path to a successful outcome with your Geico claim begins with timely submission. If you are out of danger and can use your mobile device, you can start the process while you wait for the police at the scene of the accident. Once you file a comprehensive claim with Geico, a Geico inspector will assess the damage. The inspector will calculate them, subtract the cost from your deductible, and submit your claim so that your vehicle can receive repairs.
The damage may be greater than the value of your vehicle. In this case, your vehicle is considered a total loss. Instead of repairing the vehicle, you can replace it with one of the same value. Geico will pay the full value of the vehicle, minus the deductible, to your lender.
If someone involved in the accident alleges that you were at fault and claims to have suffered vehicle damage or injury, GEICO will investigate. A GEICO examiner will contact the drivers and passengers involved, as well as witnesses, to obtain their accounts of the accident. The examiner will also review police reports, state and local traffic laws, and photographs of the scene and vehicles, along with applicable medical information. As a result, claims settlement can take longer to complete (up to several months, in some cases).
First, you can choose the right level of coverage by considering your state's insurance requirements and creditors' insurance requirements. Every insurance company determines its rates differently, so even though Geico is among the cheapest car insurance companies, the best way to ensure you're getting the cheapest rate is to compare quotes from several insurers. Each insurance company determines their rates differently, so while Liberty Mutual is among the cheapest car insurance companies, the only way to confirm that you've found the lowest price is to compare quotes from several companies. If it's safe to drive your car or motorcycle, GEICO will schedule a time for you to take them to a local inspection center.
Your Liberty Mutual car insurance policy will likely require you to report an accident “immediately” or as soon as possible. For example, drivers can get a discount of up to 15% if they insure a car that is three years old or younger. Below are six steps to help you process your GEICO car accident claim, but keep in mind that a car accident lawyer will handle the process for you and can help you get the payment you deserve. Originally specializing in insurance for government workers, Geico has expanded its customer base to offer affordable insurance rates in all 50 states.
You can use GEICO's Auto Repair Xpress program to find a repair shop near you that works quickly with GEICO to repair your car. A GEICO insurance adjuster may ask you for access to your medical history to help you go through the process “easily.” In addition, Liberty Mutual rewards customer loyalty with discounts for insuring more than one car and combining several policies, such as home and car. Because your credit history is correlated with your likelihood of filing an insurance claim, Geico uses your credit data to calculate your premium in states where it's legal. Expensive cars, sports cars and cars with high theft rates are considered to be riskier to insure than cheaper and more practical vehicles.
Full coverage isn't the official name of any type of insurance, so be sure to clarify if these types of insurance are included if you purchase a Geico policy.