GEICO pays claims by issuing a check to cover their repair estimate, minus any deductible. Checks are mailed in as little as 48 hours after the accident investigation is completed.
If you are in an accident, you can start your GEICO claims process by filing a claim online at geico.com or calling (800) 841-3000 at any hour. Claims representatives are available 24/7. If your car or motorcycle is safe to drive, GEICO will schedule a time for you to bring it into a local inspection facility. If it is not safe to drive, an inspector will come to the vehicle. The inspection usually occurs within 24 hours of your claim report and takes about 30-60 minutes, after which you will receive a written repair estimate.
For a simple claim with a clear cause of accident and no injuries, GEICO will send you a check within a few days. If your repair shop wants to charge more than GEICO’s estimate to fix your vehicle, you should negotiate with them. Ask them to honor the estimate. If they do not, the additional cost is yours to cover. Or you can try a different repair shop. You can use GEICO's Auto Repair Xpress program to find a shop near you that will work speedily with GEICO to repair your car.
So, GEICO’s claim-payment policies are pretty straightforward most of the time. In fact, the standard process can be broken down into a handful of simple steps.
How the GEICO claims process works:
- You contact GEICO after an accident.
- GEICO inspects your car.
- GEICO sends you a check for the estimated repairs.
- You take your car to be repaired at the body shop of your choice.
Things can get more complicated in certain situations, though. If your vehicle is considered a total loss, for example, it will likely take 7-10 days overall to receive your check. In addition to having the inspection and reviewing your settlement offer from GEICO, you will need to find your vehicle title, collect your belongings from the vehicle and sign paperwork releasing the vehicle before your claim is paid out.
If someone in the accident alleges that you were at fault and claims to have suffered vehicle damage or an injury, GEICO will investigate. A GEICO examiner will contact the drivers and passengers involved, as well as any witnesses, to get their accounts of the accident. The examiner will also review police reports, state and local traffic laws, and photos of the scene and vehicles, along with applicable medical information. Claims settlement can take longer to complete – up to several months, in some cases – as a result.
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