Dealing With GEICO After an Accident
GEICO is one of the largest insurance companies in the country. That means if you get into an auto accident, there is a good chance that the other driver could be insured by GEICO. In fact, you and the other driver may both have GEICO as your insurance company. If you are injured in a collision and GEICO is involved, it is crucial you reach out to a lawyer experienced in dealing with auto insurance companies.
Like all insurers, GEICO seeks to make a profit. The less it pays out in claims relative to the premiums it takes in, the greater its profits will be. As a result, its adjusters will pay you the least compensation they can get you to accept. If you or your loved one is dealing with GEICO after being hurt in a car, truck, or motorcycle crash, our team of skilled car accident attorneys at Cooper Hurley Injury Lawyers can help make sure your best interests are served.
Dealing With a GEICO Claims Adjuster
When you file a claim with GEICO, an adjuster will be your point of contact. Their job is to review your claim and calculate the amount of compensation the company will offer. Ultimately, they are responsible for negotiating and settling your claim for as little as possible.
Of course, these adjusters work for GEICO, which means they prioritize the company’s interests over yours. They may try to convince you that they’re on your side, but this is a tactic to get you to accept a lower settlement than you deserve. If a GEICO insurance claims adjuster contacts you, keep these tips in mind:
1. Don't Accept Their First Offer
GEICO’s first settlement offer will almost certainly be less than you deserve. The adjuster knows you’re likely in a vulnerable position after an accident. They may use this to pressure you into accepting their offer on the spot—do not give up your right to negotiate. Consult with our personal injury attorneys before accepting a settlement offer or signing any documents. We are here to answer your questions and protect your rights.
2. Be Careful With What You Say
- Downplaying your injuries.
- Suggesting that you may be at fault.
- Discussing your medical expenses before reaching maximum medical recovery.
3. Document Everything
One of the most important things to do after an accident is to keep a detailed record of all communication with claims adjusters, including phone calls, letters, and emails. Note down the date and time of all conversations, as well as the adjuster’s name and subject matter of your discussion. Keep copies of any documents that GEICO sends you, and save all receipts and records related to your accident (e.g., medical bills and vehicle repair estimates). These documents can help your attorney build a strong case for a fair settlement.
Working With Our Attorneys Throughout the Claims Process
If you or your loved one was hurt in a car crash, reach out to our experienced injury lawyers for help. Handling your GEICO auto claim without legal representation can result in a settlement that doesn’t fully cover your damages. Because you may not yet know the full extent of your injuries, the insurance representative may try to get you to say you are “fine” even if you are not.Once you receive all necessary treatment after an accident, you can claim full damages in a GEICO auto liability claim. Our attorneys are skilled negotiators and can help. In addition to communicating with the adjuster and protecting your rights, they can:
- Gather evidence proving the defendant’s liability and your damages.
- Calculate the compensation you’re entitled to, which may involve consulting with experts to determine the full extent of your damages.
- Negotiate a fair settlement, pushing back against suggestions that you were at fault.
- File a lawsuit if GEICO refuses to offer a full and fair settlement.
- Represent you in court, advocating for maximum compensation.
Types of Claims After an Accident
Car accident claims with GEICO typically involve bodily injury and property damage. Different approaches may be necessary to achieve maximum compensation for both.
Bodily Injury Claims With GEICO
A personal injury claim aims to compensate you for the full physical, emotional, and financial impact an accident has on your life. If your personal injury claim with GEICO is successful, your compensation may include the following types of damages:
- Medical expenses
- Lost income
- Lowered earning capacity
- Physical pain and suffering
- Disfigurement and disability
- Emotional distress
- Loss of enjoyment of life
- Property damage
Even if insurance adjusters pressure you, do not try to settle a personal injury claim before you finish your medical treatment. Once you know the full physical and financial impact of your injuries, you will be in a stronger position to enter the negotiation phase.
Property Damage Claims With GEICO
One of the initial steps after filing a claim is evaluating property damages. Whether your vehicle is repairable or totaled, you may need a temporary rental car. The at-fault driver’s insurer is often responsible for getting you a rental comparable to your own vehicle. You can also claim damages for the cost of repairing or replacing your vehicle. If you lost personal belongings like electronics or clothing in the accident, you can seek further compensation
You Don’t Have to Deal With GEICO Alone After an Accident
The most effective tactic you can use when dealing with GEICO after an accident is working with a knowledgeable and experienced personal injury attorney. From car accidents to commercial truck accidents, we have extensive experience handling all kinds of crashes inVirginia.
With an unwavering dedication to client satisfaction, Cooper Hurley Injury Lawyers sets the standard for exceptional customer service and legal representation. Our case results speak for themselves. Contact us online or call (757) 333-3333 to schedule a free consultation.
Find Out What Your
Case is Worth
Testimonials
Free eBook
Get a free copy of “The Best Book About Virginia Car Accidents & Injuries”
Learn what to do after an accident, how to deal with insurance agencies, and when to get help. Download your free copy of The Best Book About Virginia Car Accidents & Injuries.
