Posted in Car Accidents on May 11, 2020
While GEICO is one of the most well-known insurance carriers in the country, that does not mean it will be easy to secure compensation in the aftermath of a Georgia car accident. Despite the promises made on their commercials by the friendly gecko, GEICO has a history of making low settlement offers. It is vital that you know how to file a car accident claim with GEICO in Georgia to ensure you receive maximum compensation.
GEICO is one of the largest insurance carriers in the country, and it is important to realize that this is a “for-profit” insurance carrier. GEICO will do what they can to limit the amount of money they payout in a settlement, even if you were not at fault for an accident. However, there are steps you can take to help ensure you receive maximum compensation for your claim.
You will need to file your initial insurance claim with GEICO as soon as possible after an accident occurs. The company does make this part of the process fairly easy, and you can file your claim through their mobile app, through their website, or by calling the insurance carrier 24/7. During this initial claims process, you do not have to go into detail about the accident. This is just the initial claim to start the process.
You can help your case by gathering evidence as soon as an accident occurs and continuing to keep all evidence as the claim progresses. At the scene of the crash, you should use your smartphone or another camera to take photos of any damages, injuries, causes of the crash, debris, and more. You want to do this in order to preserve any evidence.
You should also keep copies of any medical expenses you incur due to your car accident injuries as well as any other out-of-pocket expenses you incur in the aftermath of the crash.
GEICO is going to conduct its own investigation into the incident in order to determine liability and calculate what they think a fair settlement should be. They will use a claims adjuster who will inspect your vehicle and will contact you to discuss the case. As friendly as they may seem, please remember that a Georgia GEICO claims adjuster is not your friend. They work for the insurance carrier, and their goal is to lower the amount of money they pay you in a settlement. They will record conversations with you and use what you say against you.
After a claims adjuster conducts their initial investigation, GEICO will offer a settlement fairly soon after the incident. An initial settlement offer is designed to seem enticing. While you may be tempted to take the settlement offer in order to cover accident-related expenses, please understand that these initial offers are usually well below what you should receive. This should be the starting place for negotiations, not the endpoint.
When you have GEICO insurance coverage, you may need to speak to a qualified Atlanta car accident lawyer in the aftermath of an incident. A skilled attorney will have the resources necessary to fully investigate the crash and properly calculate your total expenses. Your attorney will handle all negotiations with the GEICO claims adjuster in order to secure maximum compensation for your claim.
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