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GEICO Insurance Claims in Pennsylvania

GEICO Car Accident Claims Attorney

At PhillyLaw, our team of experienced GEICO car accident claims attorneys is dedicated to assisting individuals in Pennsylvania who have been involved in car accidents and are facing the challenging process of filing a claim with GEICO. Understanding the intricacies of insurance claims, our legal professionals are adept at navigating the complex landscape to ensure that our clients receive the compensation they are entitled to. With a robust understanding of state laws and GEICO’s policies, we aim to ease the burden on accident victims, allowing them to focus on their recovery while we handle the legalities of their claims. If you have been injured in an accident, contact a GEICO car accident claims attorney at PhillyLaw for a free consultation.

Inspecting Car Damage After A Crash

GEICO Insurance Company

GEICO, an acronym for Government Employees Insurance Company, stands as a significant entity within the realm of consumer auto insurance, boasting millions of insured drivers across the United States.

Claims adjusters at GEICO play a pivotal role in the insurance claim process. Once you file a claim, a GEICO claims adjuster will investigate your claim by inspecting vehicle damage, reviewing accident reports, and assessing claims to determine the extent of GEICO’s liability.

Insurance Coverage in Pennsylvania

In Pennsylvania, auto insurance coverage through an insurance company like GEICO is a legal requirement for all drivers. The state mandates a minimum liability insurance, which includes $15,000 for bodily injury per person, $30,000 per accident, and $5,000 for property damage (15/30/5). Additionally, Pennsylvania is a no-fault state, meaning that each driver’s insurance coverage pays (for example, GEICO pays) for their medical expenses regardless of who is at fault in the accident.

Pennsylvania drivers also have the option between full tort and limited tort insurance. Choosing full tort allows for unrestricted rights to sue for damages, whereas limited tort, although cheaper, restricts the ability to sue for pain and suffering except under severe circumstances. Understanding the specific nuances of Pennsylvania’s insurance requirements can significantly impact the outcomes of filing a claim, especially following an accident.

GEICO Insurance Claims Process

Insurance claims are a formal request to an insurance company asking for a payment based on the terms of the insurance policy. In the context of auto insurance, such as with GEICO, the process begins when an insured individual experiences a car accident or damage to their vehicle. The insured must then promptly report the incident to their insurance company to start the claims process.


The first step of an insurance claim involves notifying the insurer about the incident. This can typically be done via phone, online, or through a mobile app, where the insured provides details about the accident and any damage incurred to a GEICO representative.

Recorded Statement

After the initial notification, the next crucial step in the GEICO insurance claims process involves providing a recorded statement. This is an opportunity for the insured to convey their version of events in their own words, detailing how the accident occurred and the extent of the damages or injuries sustained.

Claim Assessment

Once the claim is filed, the insurance company will assign a claims adjuster to the case. The adjuster’s role is to evaluate the claim, assess damages, review medical records, determine fault, and ensure that the claim complies with the policy terms.

Adjustment and Investigation

To investigate the accident claim, the GEICO adjuster may inspect the vehicle, review the accident report or the police report, and interview any involved parties and witnesses to ascertain the claim’s validity and the extent of the insurance company’s liability.

Resolution and Payment

After the investigation, the adjuster will process the claim according to the policy’s coverage and the accident’s circumstances. If the claim is approved, the insurance company will offer a settlement to cover the costs of repairs, medical expenses (if applicable), and any other covered losses. The insured can either accept the settlement or negotiate further if the proposed amount does not adequately cover the damages.

Claim Denial

In instances where a claim is denied, the insured will receive a formal notification from GEICO explaining the reasons for the denial. Common reasons for claim denial include disputes over liability, lack of coverage for the claimed event, or failure to comply with policy terms and conditions. If the insured disagrees with the decision, they have the option to appeal the denial.

Appealing a Denial

To appeal a denied claim, the insured should first review the denial letter to understand the specific reasons provided by GEICO. Gathering additional evidence that supports the case, such as new information or overlooked details, is crucial. The insured can then submit this evidence along with a written appeal to GEICO’s claims department. This submission should clearly articulate why the denial decision should be reconsidered, supported by any relevant documentation.

Throughout the appeal process, the insured may also seek legal advice to understand their rights and options better. Legal representation can provide a more robust appeal, ensuring that all aspects of the case are professionally presented and argued. GEICO is required to re-evaluate the claim, considering the new information provided, and issue a decision on the appeal.

In cases where the appeal is unsuccessful, and the insured still believes the claim was unjustly denied, pursuing litigation may be the next step. Engaging with a lawyer experienced in insurance law can help in understanding the feasibility and potential outcomes of taking legal action against the insurer for denied claims.

Deciding Whether to Accept Settlement Offer

Determining whether to accept a settlement offer from an insurance company, such as GEICO, involves several critical considerations. Firstly, compare the settlement amount against the actual costs you have incurred from the accident, including vehicle repairs, medical expenses, lost wages, and any other related costs. It’s essential to ensure the offer fully compensates you for your losses. Consulting with a knowledgeable GEICO car accident claims attorney is highly advisable, as they can provide an informed assessment of the offer in light of your circumstances and the extent of your damages.

Furthermore, understand that initial settlement offers may not always reflect the full compensation you’re entitled to. An attorney can negotiate on your behalf, leveraging their understanding of insurance laws and the specifics of your case to argue for a fair settlement. Taking the time to make an informed decision is crucial, as accepting an offer prematurely may result in receiving less than what is needed to cover all your expenses and losses.

The entire process aims to ensure that the insured receives the appropriate compensation to restore them to their pre-accident condition, within the limits and terms of their insurance policy.

Driver Making Phone Call After Traffic Accident

Damages Available with a GEICO Claim

When filing an insurance claim with GEICO following a car accident in Pennsylvania, claimants are typically eligible for several types of damages, contingent upon their policy’s coverage and the specifics of the incident. These damages are designed to compensate the insured and any other affected parties for their losses and injuries sustained due to the accident. The primary categories of damages include:

Property Damage

This covers the costs to repair or replace the insured’s vehicle and any personal property that was damaged as a result of the accident.

Medical Expenses

GEICO claims can also cover medical bills for injuries resulting from the accident. These medical bills may include hospital expenses, medication costs, and expenses related to rehabilitation or ongoing medical care.

Future Medical Expenses

An important aspect of the insurance claim process, especially in cases involving physical injuries, is the consideration of future medical expenses. These are costs for medical care that the claimant may require after the settlement is finalized, including future surgeries, physical therapy, long-term care, or any other ongoing treatments necessary for recovery. Estimating future medical expenses can be complex, as it requires a thorough evaluation of the claimant’s current and anticipated health needs. GEICO and the claimant’s medical providers typically work together, possibly with the assistance of medical experts, to project these costs accurately.

Lost Income

If the accident leads to significant time away from work, causing the claimant to lose income, GEICO claims may compensate for this lost income.

Pain and Suffering

In addition to tangible losses, claimants may be eligible for compensation for pain and suffering. This is often more subjective and can include emotional distress and the impact of physical pain or disability resulting from the accident.

Punitive Damages

Although less common, punitive damages may be awarded in cases where GEICO’s conduct in handling the claim is found to be especially egregious or in violation of state laws. Punitive damages are intended as a punishment to the insurer and a deterrent against future misconduct.

It is essential for claimants to understand the types of damages available and to work closely with experienced legal counsel, such as the team at PhillyLaw, to ensure that they receive comprehensive compensation for all losses incurred due to the accident.

Filing a Personal Injury Lawsuit with a GEICO Insurance Claim

In certain scenarios, when a satisfactory resolution cannot be achieved through the insurance claims process with GEICO, filing a lawsuit may become a necessary course of action. This step is considered when negotiations stall, the claim is unjustly denied, or the settlement offered by GEICO falls significantly short of covering the damages and losses incurred by the accident. Initiating a lawsuit demands a thorough understanding of Pennsylvania’s legal system and an adeptness at navigating the complexities of litigation.

Before proceeding with a lawsuit, it’s vital for claimants to consult with an experienced attorney who specializes in car accident claims and understands GEICO’s legal strategies. The attorney can offer invaluable advice on the feasibility of a lawsuit, the potential for a favorable outcome, and the amount of compensation that might be recovered through court proceedings.

The process begins with the filing of a complaint in the appropriate court, which outlines the claimant’s case against GEICO, detailing the circumstances of the accident, the damages sought, and the legal basis for holding GEICO responsible. Subsequent steps include discovery, where both parties exchange evidence and conduct depositions, followed by pre-trial motions, settlement discussions, and possibly a trial.

Throughout the lawsuit, the goal remains to secure fair compensation for the claimant, holding GEICO accountable to the terms of its policy and the laws of Pennsylvania. The legal team at PhillyLaw is committed to representing their clients’ interests vigorously in court, leveraging their extensive experience with GEICO insurance claims to advocate effectively for full and just compensation.

PhillyLaw Will Support Your Accident Claim and Work With GEICO to Ensure You Achieve Maximum Compensation

PhillyLaw is dedicated to standing by your side throughout the entire process of your car accident claim. Our experienced legal team has a comprehensive understanding of how GEICO operates and is fully prepared to negotiate and, if necessary, litigate to ensure you receive the maximum compensation possible. We believe in personalized legal representation, taking the time to understand the nuances of your case and the impact of the accident on your life. Trust in PhillyLaw to guide you through each step, from filing your insurance claim with GEICO to potentially pursuing a lawsuit if required. Our commitment is to work relentlessly on your behalf, aiming for the best possible outcome and the full compensation you deserve for your losses and injuries. Contact us today for a free consultation.