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 claim, we take many factors into account, including:

  • your driving record
  • the number of claims you have made in the past
  • the payout amount of your GEICO claims

If your rate is affected, 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*, Because Nobody's Perfect

Car accidents happen, even to the best drivers. If you have a solid driving record, you deserve a little credit. That's why we offer accident forgiveness.

Accident forgiveness is like having a free pass on your first at-fault accident. If you qualify for GEICO's Accident Forgiveness, you won't be surcharged for the accident and you'll get to keep any of the good driver discounts you've earned. No harm, no foul.

* Not available in CA, CT and MA

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.

Accident Forgiveness applies to qualifying drivers who have been accident-free for five years or more. Accident Forgiveness applies only to your first 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.