Frequently Asked Questions For Auto Policies

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    Billing & Payment FAQs:

    What is Auto Pay?

    This payment option automatically withdraws a scheduled payment on your due date. At each policy renewal or change, we will send a payment schedule so you can plan for each payment.

    Advantages of Auto Pay include:

    • Never missing a payment
    • No phone calls, checks, or postage necessary to pay your bill

    Enroll in Auto Pay today!

    What are the different ways I can make a payment?

    Automatic Payments: Have your payments withdrawn automatically from your bank account*, debit, or credit card.

    *If you pay your premium in installments, setting up automatic payments using your bank account can also save you money on installment fees.

    Online Payments: Pay your insurance bill using a check, debit card, credit card, or Apple Pay. You can also store your account info online to make future payments easy.

    The GEICO Mobile app: Make a payment right from your mobile device. Download the GEICO Mobile app today to see all the ways we make insurance easy.

    Phone Pay: Call (800) 932-8872 and use our automated system to pay your bill. You can also store your account info in our system to make your future payments easy.

    Bill Payer Service: Pay your GEICO bill electronically through your bank's online bill pay service. You may also want to consider enrolling in our Electronic Funds Transfer to save money on installment fees.

    Mail: Send your check or money order to us in the mail. Be sure to choose the appropriate address below to ensure the fastest processing. Please remember to always include your policy number on your check or money order.

    For regularly scheduled bills:

    GEICO Remittance Center
    P.O. Box 70776
    Philadelphia, PA 19176-0776

    For payments on a cancellation notice: Your payment must be postmarked on or before the cancellation date printed on the cancellation notice to prevent a lapse in coverage.

    GEICO Remittance Center
    P.O. Box 70775
    Philadelphia, PA 19176-0775

    If I am enrolled in Auto Pay, can I postpone my payment past the due date?

    You may have the ability to postpone your next scheduled payment. Visit the Billing Summary page. If eligible, the Pay Bill Later option will be available under the Upcoming Payments section.

    Postponement of your payment may not be available if:

    • Your policy is paid in full
    • Your due date is more than 11 days away
    • We have already processed your current scheduled payment
    • You have a pending auto pay enrollment with a one-time scheduled payment that can only be cancelled or replaced

    I'm not enrolled in Auto Pay. Can I make a payment after my due date?

    Yes, you can make a payment after your due date. Keep in mind when your payment is not received by the scheduled due date, you may receive a cancellation notice. This will give you the latest date that we can accept a payment to keep your policy active. You can find more information in the cancellation FAQ.

    If you are ready to make or schedule your payment, you can do so on the Make a Payment page.

    Why did I receive a cancellation notice?

    Cancellation notices are sent when:

    • Your payment due date has passed
    • And the amount due has not been paid

    These notices tell you the last day we can receive your payment for you to avoid a lapse in your insurance coverage.

    A lapse in coverage can make it harder for you to get insurance in the future and can result in higher premiums. Your state may also impose penalties, such as fines and suspensions of your registration or driver license. Please note, these notices do not include late charges.

    Recently made a payment? We may have sent the notice before your payment was applied to your policy. To verify that your recent payment was received, you can go to your Timeline. To make a payment, visit the "What are the different ways I can make a payment?" to view your options to make your payment.

    Policy FAQs:

    How do I add a vehicle to my policy?

    GEICO Manage Your Policies online can help take care of your most common insurance transactions, including adding a vehicle with your USER ID and password. You can also use the GEICO mobile app to manage your policy.

    How do I get my ID cards?

    GEICO Manage Your Policies online is a quick convenient way to request an ID card. The GEICO mobile app also has a request ID cards option.

    Claims FAQs:

    Where can I view online claims forms?

    Visit the Claim Center to find the forms you need to help process a claim, such as a medical release form, an accident description form, a vehicle fire questionnaire, and a vehicle theft questionnaire.

    I recently had an accident. Where can I get information on repair shops?

    To find a repair shop in your area, you can access your claim online. If you are eligible for online scheduling, you will be able to search for inspection and repair shops near you. If you are not eligible to schedule online, a Claims Service Representative can help you find a shop.

    If you are using GEICO coverage for the vehicle damage, you should schedule an inspection with a GEICO Auto Damage Adjuster before any repairs begin.

    Do you offer Accident Forgiveness?

    Yes, we do offer Accident Forgiveness (not available in CA, CT, and MA).

    How do I find my coverage and deductible for a claim?

    Visit the Coverage Section to review your vehicle coverage. The type of incident will determine how your coverage or deductibles apply.

    How do I track and manage my existing claim?

    GEICO Claims Express gives you fast and secure access to your auto, cycle, or RV claim. You just need your name and claim number. The GEICO mobile app is also another method to access your claims information.

    How do I report a claim, glass damage, or request Emergency Road Service?

    Reporting a claim is fast and easy online as well as in the GEICO mobile app. You can also report glass damage or request Emergency Road Service.

    Discounts FAQs:

    Is there a discount for being accident-free?

    Safe driving definitely has its rewards.

    You may be eligible for a good driver discount as long as you have not had any accidents, or moving violations, that have resulted in a premium surcharge. View your current discounts to see if you are receiving a good driver discount.

    Do you offer a Defensive Driver discount?

    It's easy to find the Defensive Driver discount eligibility requirements for your state* by visiting the Defensive Driver page.

    *The Defensive Driver discount is not available in HI, MA, MI, NC, and VT.

    What discounts are available for vehicle safety features?

    We love safe vehicles. That's why we typically offer discounts for the following safety features*:

    • Anti-Lock Brakes
    • Anti-theft
    • Daytime Running Lights
    • Air Bags
    • Passive Restraint/Restraint

    For more information please visit our car insurance discounts page.

    *The discounts available vary by state and the coverage you carry.

    If you're a policyholder you can see what discounts you are currently receiving and what discounts you may be eligible to receive, visit the Discounts section of your online account.

    General Help FAQs:

    I forgot my Password/User ID.

    It's not easy remembering all of your passwords and user IDs. That's why we've made it easy to retrieve them. Visit our recovery page and we'll get you what you need.

    How do I create my online account?

    Visit our Online Activation page and we'll have you up and running in no time.

    Mobile app FAQs:

    What is the GEICO virtual assistant?

    The GEICO virtual assistant learns by chatting with customers just like you. She can answer policy questions, show billing information, or take you where you need to go in the GEICO Mobile app or on The GEICO virtual assistant is available on both iOS and Android.

    What is Easy Photo Estimate?

    No repair shops. No waiting. No problem. Easy Photo Estimate speeds up minor claims by letting you submit photos of your damage all from within the GEICO mobile app. We'll guide you through three easy steps in about 20 minutes. First, you'll take a few photos showing us your damage. Don't worry, our camera guides will help with location. Next, you'll tag the photos and provide comments. Last, you'll submit the photos.

    What is GEICO Explore?

    Use GEICO Explore to pin and find your vehicle, find the cheapest gas closest to you, and easily take inventory of your valuables through our Property Scanner.

    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.