Claims Center

Reporting your initial claim report only takes a few minutes for most customers. We’ll guide you through the information needed based on your situation. After submitting your initial report, next steps and timing will depend on your claim details.

Yes. Our digital tools are designed to make the process faster and easier, but you can still speak with a claims representative if you need help. Whether you have questions while reporting or need help with your claim, we’re here to help.

Yes. You can upload photos and videos to support your claim. If you’re eligible for an Easy Photo Estimate, we’ll guide you through taking and uploading photos in the GEICO app so we can capture everything needed to review the damage.

We review the details of the accident, including statements from those involved, photos, police reports, and other available information. We consider the facts of the loss and applicable laws to determine responsibility.

Reporting a claim doesn’t always mean your premium will increase. Several factors, including the accident details, your policy, state, driving history, and Accident F orgiveness eligibility, determine any impact on your rate.

No, but there are benefits to doing so. Our network repair shops are vetted for quality, and work done there comes with a repair guarantee for as long as you own the vehicle. If you choose your own non-network shop for a covered incident, we’ll still cover the repair up to the approved estimate, but our guarantee won’t apply. The choice is entirely yours.

Once we determine you have a payment available, you can choose from your eligible payment options. Timing depends on the method you select — some digital payments may arrive within minutes after acceptance, while other options, like a physical check, may take several business days to arrive. Your claims representative can keep you updated on timing throughout the process.

If a covered incident leaves your vehicle unsafe or impractical to repair it may be declared a total loss. In that case, we’ll pay you the Actual Cash Value (ACV) of your vehicle at the time of the accident, minus your deductible. If you have a loan or lease, we’ll coordinate payment with your lender. A total loss specialist will walk you through every step of the total loss process.​​​​​​​​​​​​​​​​