A car accident is most often a traumatic experience, no matter how extensive the injuries and damage. Dealing with an uncooperative or difficult insurance company can make the process even worse. Unfortunately, it’s not unusual for victims to receive a low ball offer from the insurance company and then be bounced around from claims adjuster to claims adjuster. In order to avoid being short-changed by the insurance company, you should strongly consider contacting a personal injury attorney. But if you’re one of the millions of Americans insured by Geico, take advantage of their numerous online resources to make the process easier.
Geico is headquartered in Chevy Chase, Maryland, and ensures over 22 million vehicles over 13 million policies. They are the wholly owned subsidiary of Berkshire Hathaway. Few people realize that Geico is an acronym. Believe it or not, Geico stands for Government Employees Insurance Company. As the acronym suggests, Geico was originally designed for government employees and members of the armed forces. While they cater to all drivers today, Geico still emphasizes policies for military men and women. To send mail to Geico, address the envelope to One GEICO Plaza, Washington, D.C. 20076. Apart from auto insurance, Geico will insure your house, boat, motorcycle, life, and just about anything else.
If you find yourself in a car accident, first check your car and other vehicles involved for injuries. Next, call the police as soon as possible. Even though the authorities will likely record details about the wreck, it’s important that you write down the details as well, including the other driver’s name, address, insurance provider, and policy number. After the accident, make sure your vehicle doesn’t sustain any additional damage, as this can complicate the claim.
When filing a claim with Geico, visit https://claims.geico.com/ReportClaim.aspx. The Geico claims center takes you through the claims process step-by-step. To begin the claims process, you’ll need to have your Geico policy number handy. In locating your policy number, check your Geico ID card, policy declaration statement, or billing statement. If you don’t have a Geico policy number, you’ll need to dial their auto claims line at (800) 861-8380. That number is available 24 hours a day, seven days a week. Geico provides additional toll free numbers for glass repair (800) 510-2291, and mechanical breakdown (800) 443-7411. Once you receive the claim number, you can view accident reports and photos online.
To fully understand how Geico will compensate your car accident settlement, let’s look at general and special damages. Special damages are those that you can easily calculate such as lost wages, medical bills and vehicle damage. Pain and suffering is calculated as general damages and is more difficult to calculate. In determining what general damages you will receive, Geico may apply a multiplier to your special damages based on the severity of your wreck, injuries sustained, recover time, circumstances of the wreck, and other factors. Many insurance companies use a computer program to calculate your settlement. Geico uses a software program known as IQ in evaluating your claim.
If you or a loved one suffered a personal injury or incurred medical bills as a result of a car accident, you may be entitled to a financial settlement. Be careful in what you say or give to the insurance company as they place their own interests above yours. Contacting an experienced car accident attorney can help you navigate the process and evaluate your case. Insurance companies all too often are eager to settle personal injury claims for as little as possible. Consulting a personal injury attorney can help you secure the best possible resolution to your car accident. In Alabama, you are almost always barred from filing a claim for personal injury after two years have passed since the accident. To avoid this critical deadline, contact a personal injury attorney soon after the accident if you or a loved one has suffered bodily or mental injury.
For a free and confidential consultation on your personal injury claim, call or email us today.