How GEICO Handles Your Car Insurance Claim

GEICO Claims: Streamlined and Stress-Free

When you think of insurance claims, you probably need to pop an aspirin. Well, adjust your expectations—for the better. You're working with GEICO now!

We can't pretend that the car insurance claims process is fun, but we can promise you we'll make it as hassle-free as possible. In fact, your claim may be settled in as little as 48 hours.

We're proud to offer you personal attention around the clock. Our claims representatives are available anytime to help you file a claim, and answer any questions you might have about the claims process. Simply file your claim online or call us at (800) 841-3000. You choose the option that is best for you.

Getting You Back on the Road

So you had an accident. It happens. Just contact GEICO to get the insurance claims process started.

If your car is safe to drive, we'll schedule a time for you to bring it in—usually within 24 hours. If it's not safe to drive, just let us know and we will send an auto damage adjuster to the vehicle's location.

You can choose any repair shop for your repair work, but if you would like our help when choosing a shop consider using our GEICO Auto Repair Xpress^® program for fast, hassle-free repairs. You'll have peace of mind knowing that GEICO provides a written lifetime guarantee good for as long as you own the vehicle. Find an Auto Repair Xpress facility and call us to schedule an appointment.

At the inspection, which usually takes about 30 minutes, the Shop Representative will evaluate the damage to your car and write up an estimate. Plus, if you have rental reimbursement coverage, we'll help to set you up with a rental car while your vehicle is being repaired.

Of course, if you have any questions throughout the process, simply call a GEICO claims representative at (800) 841-3000. We're not happy unless we're helping you!

Covering the Costs

It's the $64,000 question. "When do I get my money?" GEICO will usually send payment to you as soon as possible after the accident investigation is complete. GEICO provides payment digitally or by mail. It will cover the repairs to your car, minus any deductible amount.

When the Insurance Claim Is Against You

If someone in the accident claims that you were at fault and claims to have suffered bodily injury or property damage, it's up to us to investigate and evaluate the claims. Be aware that settlement might take a little longer in this situation, because we might need to investigate to determine who really was at fault. Regardless of the outcome, you've got the GEICO team behind you.

The "L" Word: Lawsuit

Fortunately, most GEICO claims are settled quickly and never result in a lawsuit. However, if you are sued, don't worry—just notify GEICO immediately. We will arrange for an experienced attorney to defend and advise you. And even if a lawsuit is filed, remember that many are settled before they even go to trial.