GEICO Auto Claims (Report, Check Claims + More)


geico auto claims

Do you know what GEICO auto claims policy is? Well, you are at the perfect place to find the answer to such a question.

When you get into an auto accident, the last thing you want to deal with is the headache of filing a claim. Luckily, if you have GEICO auto insurance, this isn’t going to be the worst process of your life.

You can easily file an auto claim with GEICO in many ways, from phone calls to emails or by using their app. You can get through the process within minutes, and it takes around 48 hours for the process to finalize. 

Getting your auto claims process through GEICO couldn’t be any easier, and in this article, we will walk you through the process while providing you with all the information you need to get the job done as pain-free as possible.

Who is GEICO?

Aside from having a cute little green Gecko mascot with an excellent English (Cockney) accent, they also offer insurance policies at “great rates.” But where did it all start?

GEICO was formed back in 1936 by husband and wife Leo and Lillian Goodwin in San Antonio, Texas. When first introduced, this was not an insurance company that provided services to the public; it was strictly a federal government employee institute.

This had a lot to do with the fact that Leo was previously employed by the USAA, which offered insurance to military personnel.

With Leo’s previous history, the couple was able to form a very successful insurance agency that would carry on throughout the years. 

It wasn’t until 1974, when the Goodwins retired and a new CEO took charge, David Lloyd Kreeger, that GEICO’s services were finally available to the public, becoming a private American auto insurance company. 

Read also >> GEICO Windshield Replacement Policy (What’s Covered + Claims)

GEICO Auto Claims

Being the second-largest insurance agency company in the nation, GEICO has a reputation for offering some of the most extensive policies out there, with six auto insurance options available to date.

  • Collision insurance: This policy covers your personal vehicle in the event of an accident.
  • Liability auto insurance (bodily injury/property damage liability): This insurance covers the damages to other people’s vehicles and their medical bills (if accumulated) in accidents you cause.
  • Comprehensive car insurance: This policy covers unforeseen damages caused by things other than a car accident, such as weather, theft, and vandalism.
  • Uninsured/underinsured motorist coverage (UM/UIM): This policy will cover your vehicle repairs costs and medical bills if you get into an accident with someone who doesn’t have enough insurance coverage. 
  • Medical payments (MedPay): This policy will cover your medical bills up to a specific limit accrued in an accident.
  • Personal injury protection (PIP): This policy covers medical bills, lost wages, and funeral costs.

Whichever insurance policy you choose, it is crucial you are very clear on the terms and conditions so if and when you ever have to file a claim, you know exactly where you stand.

How to Report a Claim at GEICO

If you are unfortunate enough to find yourself in an accident, you will want to report a claim as soon as possible.

The quicker you file with GEICO, the faster the process will be, and the quicker you can put it all behind you.

There are multiple ways to file a claim with your GEICO insurance agent; you can contact them by phone, email, or file a claim online, by mail, in person, or by fax. 

Life is busy for everyone these days, and no one wants to spend a single second of their downtime dealing with insurance claims, so why not contact the professionals as soon as possible to get the process off to the right start?

GEICO Claims Phone Number

Unlike many other insurance companies, GEICO isn’t only open during regular business hours; this agency is a 24/7, around-the-clock company that you can contact anytime, day or night, to start your claims process. Simply call the customer service number at (800) 841-3000 to get things going.

Claims Email

For many, sending a quick email is the easiest way to get in contact with just about anyone, so why switch up routine when filing a claim?

With GEICO, you can start your claims process by emailing their team at Customer Service Agents Email | GEICO.

GEICO Online Claim

Would you prefer to contact the company through their online portal? No problem.

You can quickly and easily file a claim with GEICO by logging into your personal account and following the prompts when asked for information regarding the incident. 

GEICO Claims Address

Are you old school and like to get your work done in a more personal fashion? You can always mail your claims form along with the rest of your information to GEICO’s physical location at

  • GEICO Remittance Center
  • P.O. Box 70776
  •  Philadelphia PA, 19176-0776

GEICO Claims Fax Number

Just when you think there couldn’t possibly be any other way to send in a claim, GEICO surprises you with another quick and easy option.

If you have access to a fax machine and would prefer to file a claim in that fashion, you can do so. Unfortunately, having one number for the more than 300 physical offices would make life very difficult, so you will have to call your local GEICO branch and ask for their personal fax number. 

Not Sure You Can Go it Alone?

You don’t have to file your claim on your own; while many people find the process easier taking the task by themselves, there are many out there who simply don’t feel comfortable doing something so important without the knowledge or experience to help them along.

If you are one of these people, you can call a local GEICO agent or stop by the closest company near you and speak with a professional who can walk you through the process step by step so you can get the best service and coverage possible.

When utilizing the company’s agents, you will be directed as to what information is essential when filing a claim, where to go to get the paperwork and other documents required, and what your options are with the policy you have.

Read also >> GEICO Car Seat Replacement Policy (Crash, Accident, Coverage)

What is a GEICO Claims Adjuster?

When you get into an accident, you can’t simply tell your insurance company what the damage is and how much they should pay out. If that were the case, companies would go under very quickly. 

Instead, once a claim is filed, a professional adjuster is assigned to the case and is in charge of deciding how much the accident is worth, how much the insurance company will pay out, and where the money will go.

Each location has there own claims adjusters who will be assigned to every case depending on where you live and the insurance policy you have. 

What Do You Need When Filing an Auto Claim With GEICO?

No matter which option you choose to go with when filing a claim with GEICO, there are steps you must follow and a ton of paperwork and information required to complete the process with little complication. 

Although GEICO is a great company to work with, like every other car insurance agency, they are a for-profit company and aren’t overly excited to hand out tons of money to any who files a claim.

With that said, you really should try to provide as much evidence as possible to prove your case.

After any incident, you should:

  • Take pictures of any and all damage to your vehicle and the other vehicle (if applicable)
  • Get the insurance information from the other driver (If damage involved a second car)
  • Get any police reports filed on scene and afterward (if applicable).
  • Keep records of any and all medical bills and records accrued specifically related to accidents. (It is extremely important your records indicate the injuries were the result of that specific crash.)
  • Date, time, and exact location of the incident
  • A detailed description of how the accident occurred
  • Auto shop estimates or bills related to repairs required after the accident took place

While claims adjusters are in charge of collecting information and getting all the facts, it is best for the policyholder to take the initiative and gather as much information and proof as possible to ensure you are going to get the best coverage possible. 

How to Check Your Claim Status

Once you have gone through the process of filing a claim, it is important to follow up and check on the status every now and then to make sure the process is going smoothly, and you are informed during every stage.

The best way to check the status of your insurance claim, and the easiest, is to go online and check it from your personal account.

Checking Your Claim Online

If you want to get an update on your claim status quickly and easily, checking your online account is going to be your best option. Here are the steps to help you get through it without any hiccups.

  • Go to the GEICO website www.GEICO.com.
  • Click on the human figure icon in the top righthand corner of the screen
  • Enter your user name and password when prompted
  • Choose the vehicle you are filing a claim for
  • Click on the “I would like to” tab
  • Scroll down to “claims.”
  • Then click on the claim number you are following up on

Here you can see everything that has happened with the claim and where in the process it is at. 

Log onto the Website and Chat With GEICO

Aside from logging into your personal account, you can also quick the chat icon located in the lower right-hand corner of your screen to chat with the company in order to get information and give information quickly.

While this may not be a good option to file a claim, it can help you get any information you need in a timely manner.

Looking to Get Information Even Quicker?

Express Claims is the easiest way to track your current claims and see where GEICO is with the process.

All you have to do is go to the express claims page, enter your claims case number and your first and last name, and the information will be provided to you within seconds. 

What Other Claims Can I File With GEICO? (Not Accident Related)

GEICO offers their customers coverage for more than just collisions. If you have one of these policies in place, you will need to know how to file a claim for those issues as well. 

Other claims you may file with GEICO include:

  • Glass replacement or repair
  • Fire damage
  • Roadside assistance
  • Rental car reimbursement
  • Mechanical breakdown insurance
  • Rideshare insurance (covers costs accrued using services such as Lyft and Uber.)

These types of coverages are available within many policies or can be added to a policy. Check with your insurance agent to make sure these are things you can file a claim for if a situation ever arises where the service is required.

If you do file a claim for any of the options above, make sure to keep all documentation of the service, including bills, receipts, etc.

Is GEICO a Good Auto Insurance Company When it Comes to Claims?

When writing reviews, we feel it is necessary to check with other customers to see how they feel about each company and whether or not the service provided is fair, convenient, and easy to obtain.

While looking through customer ratings and reviews, it seems like GEICO is a pretty good car insurance company to deal with.

Compared to many other companies, GEICO apparently makes filing a claim fairly easy to do while guiding customers through the process with professional and friendly attitudes. 

With the 24/7 customer service, you don’t have to wait long periods of time to get your claims process started, and with all of the ways to file, you can do it in the most convenient and comfortable ways.

Is GEICO an Affordable Insurance Agency?

Just because they have great reviews and it seems their claims process is pretty simple, it doesn’t necessarily mean they are the best option for everyone if their prices are astronomical.

With that said, that problem does not seem to be the case. Geico offers great premiums at affordable prices, beating out many of its competitors by a pretty wide margin.

With GEICO, there is an auto insurance policy to fit nearly any budget with the most basic to the most extensive coverage options out there.

However, the more basic coverage you obtain, the less damage and loss you will be reimbursed for and the fewer services you will be provided.

Does GEICO Have an App?

From retailers to meditation, just about every brand in the world today has its own apps that make obtaining the services provided by the company super easy and can be done from just about anywhere.

And yes, GEICO has followed suit. You can download the GEICO app to not only file your auto claims but also to check on your claims, contact an agent asap, pay your bill, and so much more.

This app is available on pretty much all Android and iPhone devices for free. 

How Does GEICO Pay Out Claims?

Once your claims process is complete, GEICO will issue you a check by mail, sent out to your personal address.

While this is typically the most common option, it isn’t the only one. With some claims, the company can also issue checks directly to service providers that accommodated you in repairs and medical services.

This means that if you had a windshield repaired or ended up in the hospital due to an accident, GEICO could simply issue a check to the auto mechanic or health care facility you used to pay the outstanding balance directly. 

Read also >> Does GEICO Cover Front Windshield Replacement? (Here Is How)

Can GEICO Refuse to Pay a Claim?

This question can get a little tricky, but simply put, GEICO is required to consider all claims filed. However, there are a few specific situations in which the company can refuse an auto claim.

Those reasons include:

  • Your insurance has lapsed due to failure of payment
  • You filed a claim, but your policy doesn’t provide that coverage
  • You file a claim for a vehicle that hasn’t yet been added to your insurance policy
  • You file a claim for compensation that is above your policy’s set limits

While GEICO can refuse to pay your claim, if you are abiding by the terms of your policy, chances are good you won’t have any problems getting the money you deserve.

Will GEICO Drop You After Filing an Auto Claim?

Typically, GEICO will not drop you as a customer after filing a single fault accident claim, and more than likely, they won’t drop you after two.

However, your premiums will almost certainly go up, and with any more accidents after that, you may end up having to go elsewhere for coverage since you will be seen as a high-risk customer.

Summing Things Up

If you are a GEICO customer and were unfortunate enough to find yourself preparing to file a claim for a recent accident, you picked one of the best insurance agencies for the job.

While no one wants to deal with the claims process, GEICO is known for being one of the easiest companies to work with. 

References

https://claims.geico.com

Mike Gilmour

Hi, I'm Mike, co-founder, and editor of RV and Playa. My passion is traveling (with my RV) and enjoying the day at the beach (Playa)! Well, I originally created this blog as a way to share what I've learned by experimenting with the RV lifestyle, and I want to help others develop in life through new skills and opportunities.

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