When someone reports an accident to GEICO, a liability examiner is assigned to investigate the accident thoroughly to ensure that we handle everyone's claim properly. This process is called the liability investigation.
Here are some of the steps we commonly follow to make sure we get all the facts about an accident:
- The liability examiner reviews the insurance policy and the coverage in effect for the loss to determine what types of damage or injuries are covered.
- The liability examiner attempts to contact everyone involved in the accident - drivers, passengers, witnesses, etc. - to get everyone's account of the accident.
- When there are conflicting versions of what occurred in the accident, the liability examiner conducts an in-depth interview with each person involved. These interviews help resolve disputes over the facts of the accident.
- The liability examiner gathers and reviews additional relevant information, such as the police report, applicable state and local traffic laws, and photos of the scene and the vehicles involved.
Then the liability examiner considers all the facts, determines the cause of the accident, and handles the claim accordingly. We are always willing to re-examine our decision if new information about an accident becomes available.
This material is intended for general information only. It does not expand coverage beyond the policy contract. Please refer to your policy contract for any specific information or questions on applicability of coverage.