How will a claim affect my policy & insurance rates?

I had an accident. What's the damage (to my premium)?

Take a deep breath and relax. Filing a claim won't necessarily affect your premium. We'll review the details carefully to make sure you can keep enjoying the maximum savings GEICO can offer you. When evaluating your insurance rates after an accident, GEICO takes many factors into account, including:

  • Driving record
  • Number of claims you've made in the past
  • Payout amount of your GEICO claims
  • If you have Accident Forgiveness (not available in CA, CT, and MA)

If your insurance rate is affected after an accident, you'll receive your new policy information and premium amounts about 30 days prior to the date your policy is up for renewal. If you have any questions, just call (800) 861-8380. One of our licensed insurance agents will be happy to discuss any of your GEICO claims.

Accident Forgiveness applies only to your first accident. Your insurance rate won't go up as a result of your first otherwise surchargeable, at-fault accident. Subsequent occurrences do not qualify for Accident Forgiveness. Accident Forgiveness eligibility is determined by your specific policy type, as well as your state laws and regulations. Terms vary according to state law.

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.