Accident forgiveness is an auto insurance benefit that can prevent insurance rates from rising as a result of the driver's first at-fault accident. Geico has two different accident forgiveness programs for drivers age 21 and older. The first program is free and exempts you from the surcharge for your first accident. In order to request the forgiveness of a new claim, you must have had a Geico policy and have been accident free for at least five years.
Your insurance cards must have the same name as the name that appears on the vehicle registration application. However, the DMV will not accept a card if the DMV barcode reader cannot read (scan) the barcode. Your New York State insurance identification cards and the electronic insurance notice together verify your insurance coverage. Geico mechanical breakdown insurance (MBI) is an add-on to the policy that insures a vehicle against mechanical problems, such as transmission or engine faults, that are not covered by standard car insurance.
So why does it count as such a small amount that Geico actually paid, but now I have an accidental surcharge for 5 years? Having no accidents or fines for nearly 50 years, according to Geico, meant nothing. You can talk to a Geico customer service representative at 1 (800) 207-7847 to see if your personal policy will be extended to your rental car. If you don't have enough coverage through Geico to cover your rental car, you can buy insurance from your car rental company or see if your credit card company offers it. Geico also offers rental car reimbursement coverage, which helps pay the cost of renting a car while your personal vehicle is being repaired for a covered claim.
Yes, Geico offers mechanical breakdown insurance for cars that are less than 15 months old and less than 15,000 miles old. If you already have a personal car policy with Geico that includes liability, comprehensive and collision coverage, this insurance will likely be extended to cover your rental car. If you don't have either type of coverage, you can take out personal accident insurance through the car rental company. To learn more about whether Geico MBI is worth it, check out WalletHub's comprehensive guide to insurance against mechanical breakdowns.
To deny your claim, Geico would have to demonstrate that the delay was unjustified or unreasonable, or that the wait compromised the insurance company's ability to investigate the claim and reach reasonable settlements.