When it comes to how quickly the policyholder files a claim, Geico doesn't have a time limit. This is because Geico cannot deny claims based on late notices. Because of this, you may need to contact the insurance company and notify them of the accident. If you have no experience in personal injury law or have never dealt with an aggressive insurance adjuster before, you may find the whole process overwhelming.
To protect your claim and your rights, your best option is to contact a personal injury lawyer before contacting Geico. GEICO is not in the insurance business to pay claims. GEICO has a lower than average rating in managing claims. The following is a (very) brief description of the car accident litigation process you might experience if GEICO refuses to treat you fairly.
However, lawyers with experience handling claims against GEICO can negotiate with insurance agents on your behalf and fight aggressively for your rights. The first step in ensuring that your Geico car accident claim isn't denied is to understand your policy coverage. GEICO's role as an auto insurance company means that they can pay compensation to their customers if the customers' cars were stolen, damaged, assaulted, or destroyed. The GEICO insurance adjuster can then take your simple answer and use it to argue that you don't deserve any payment for pain and suffering because you feel “good.” Filing an insurance claim with Geico can be a challenge, especially if the insurance adjuster refuses to offer you a fair settlement.
In general, all victims of car accidents should know that car insurance companies like GEICO play mind games and use tricks to limit their liability and increase their results. Regardless of the insurance company's side, a company like GEICO is expected to meet its obligations to its customers. As with any personal injury insurance claim, you never want to file a claim with GEICO on your own. If GEICO insured the driver who caused the accident, you and your accident lawyer will deal with GEICO and its claim adjusters.
GEICO is often one of many insurance companies that ignore the actual dollar amounts of your medical expenses and instead replace the total with what they call “common and common charges.” GEICO offers some of the best car insurance rates in Alabama and insures tens of thousands of Alabama residents. Because of how big GEICO is, you should try to find an attorney with experience in lawsuits against GEICO; he will already be well versed in dealing with such agents and won't have to go through as many obstacles to negotiate a settlement.