Does Geico offer personal injury protection? This question is about GEICO

Does Geico offer personal injury protection?

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This question is about GEICO

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@WalletHub • 04/01/21 This answer was first published on 04/01/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, Geico offers personal injury protection car insurance in the 13 states where it is required and the 8 states where it is optional. Personal injury protection (PIP) is a type of insurance that pays medical bills after an accident regardless of who was at fault, so it is often referred to as no-fault insurance.

Geico PIP Insurance Can Cover:

Medical bills
Lost wages
Child care expenses
Nursing care, medical supplies, and prescriptions
Funeral expenses

The details of Geico personal injury protection will depend on your state and policy. For instance, in states like Florida, PIP will pay the majority of qualifying medical bills, but policyholders will need to pay out of pocket for a small percentage of their expenses. However, personal injury protection is still considered a good investment because using health insurance to cover car accident injuries usually involves more out-of-pocket expenses.

If you’ve been in a car accident and need to file a PIP claim with Geico, you can file a claim by calling 800-841-3000, using the company's website, or using the mobile app. Coverage may also extend to your household members and passengers. For more information, check out WalletHub’s guide to personal injury protection.

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Will my insurance go up if I use PIP?

Your insurance rate probably won’t go up if you use PIP coverage. Whether or not your insurance costs go up depends on who is at fault in the accident that leads to the use of PIP. When you are not at fault and you make a PIP claim, you will receive payment from either your insurance company or the other driver’s insurance, and your rate will not increase.

However, if you are found...

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How can I find cheap PIP insurance?

The best way to find cheap PIP insurance is to shop around and compare quotes from several insurers in your state. The personal risk factors that can affect how much you pay for PIP (personal injury protection) are the same ones that affect the pricing of any type of auto insurance. These include your claims history, credit history, location, driving record, age, and gender. As with all types of insurance, different insurance companies weigh each...

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Does Geico offer full coverage insurance?

Yes, Geico offers full coverage car insurance. Full coverage from Geico typically includes at least a state's minimum required car insurance coverage along with collision and comprehensive insurance to protect the policyholder's vehicle.

Full coverage car insurance from Geico costs $2,886 per year, on average, and is more expensive than a liability-only policy since it provides more coverage.

Cost of Geico Full Coverage by Driver's Age

Driver	Annual Cost
16-year-old	$5,236 per year
22-year-old	$2,445 per year
45-year-old	$1,955 per year
65-year-old	...

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