Geico does not have an official time limit for filing a claim. The reason is that Geico cannot deny a claim based on late notice. To deny your claim, Geico would have to prove the delay was unexcused or unreasonable, or that waiting compromised the insurance company’s ability to investigate the claim and make reasonable settlements.
Your policy probably includes language about reporting an accident “promptly” or “as soon as practicable.” But reporting an accident is different than filing a claim. After reporting, you’ll have some time to file the official claim.
Still, it’s best to work quickly so everyone remembers the details of an accident, the evidence is still intact, and your claim is less likely to be challenged. After you file a claim, Geico will collect documentation and evidence needed to resolve your claim. The timeline will vary based on the details of your accident.
State laws also protect your right to file lawsuits for a period of one to six years, depending on where you live.
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