Learn More About Claim Forgiveness with GEICO
Key Takeaways
Your First Qualifying Accident Won't Raise Your Rate
GEICO Claim Forgiveness waives the surcharge from your first qualifying at-fault loss, so your premium stays the same and you keep any good driver discounts.
You Can Earn It for Free or Buy It
Free Claim Forgiveness is awarded to eligible drivers who've been accident-free for five or more years. If you haven't earned it yet, you can purchase it in most states when you start your policy or at renewal.
It Covers One Claim Per Policy, Not Per Driver
Claim Forgiveness applies once across your entire policy. If you have multiple drivers listed, whichever eligible driver uses it first exhausts the benefit. It's not available in California, Connecticut, or Massachusetts.
What is Claim Forgiveness?
Claim forgiveness is an auto insurance benefit that may prevent insurance rates from increasing as a result of a driver's first qualifying loss. It can be added to a policy or awarded to those with a good driving record. Claim forgiveness may allow drivers to save on their premiums and retain good driver discounts.
GEICO Claim Forgiveness* can be earned or purchased in states where it is available.
With Claim Forgiveness on your GEICO auto insurance policy, your insurance rate won't go up as a result of your first qualifying loss. We waive the surcharge associated with the first qualifying loss caused by an eligible rated driver on your policy. GEICO Claim Forgiveness is per policy, not per driver. If you have multiple drivers on your policy, any of the eligible drivers may use this benefit once.
How much does insurance go up after an accident?
Whether and how much your insurance may go up after an accident usually depends on the details and specifics of the accident, the severity, and any damages that occurred. You can learn more about how a claim may affect your policy.
How do I know if I have Claim Forgiveness on my GEICO policy?
- Log in to your policy
- Select your auto policy
- A Claim Forgiveness notification may be shown as a reward
If you purchased Claim Forgiveness, you may have a few additional steps:
- Select "My Policy Details"
- Claim Forgiveness may be shown as an upgrade
How can I get Claim Forgiveness as a part of my car insurance policy?
Free Claim Forgiveness**
You earned it! It's our way of saying congratulations for reaching a milestone anniversary with GEICO and having maintained a clean driving record. This reward may be just around the corner. Don't worry; we'll be sure to let you know.
Upgraded Claim Forgiveness
This premium option is available in most states for you to purchase. Adding it to your policy may be cheaper than you think. Driving record and driving experience requirements must be met, but assuming you qualify; it's available upon initial purchase of your policy or at renewal time. Once used for an accident, the premium charge will be removed at the next renewal.
What are the benefits of Claim Forgiveness?
- Greater peace of mind while driving
- Worry less about your insurance rate increasing
- Keep any good driver discounts
- Score additional savings because your premium won't increase
*Not available in CA, CT and MA; purchasable product not available in all states.
**Free Claim Forgiveness applies to eligible rated drivers who have been accident-free for five years or more. It may not apply to drivers under 21 years of age.
Claim Forgiveness applies only to your first qualifying loss. Your insurance rate won't go up as a result of your first otherwise surchargeable, qualifying loss. Subsequent occurrences do not qualify for Claim Forgiveness. Claim Forgiveness eligibility is determined by your specific policy type, as well as your state laws and regulations. Terms vary according to state law.
Ready to Protect Your Car?
Get a fast, free auto insurance quote online.
