Secrets of Accident Claims Against GEICO REVEALED!

When you’ve been in a car accident in Georgia, your first instinct might be to trust your insurance provider—especially one as well-known as GEICO. But behind the friendly commercials and cost-saving slogans is a profit-driven corporation with strategies designed to minimize payouts and protect its bottom line.

If you’re planning to file a claim with GEICO, understanding their claim handling tactics can help you protect your rights and secure the compensation you deserve.

GEICO’s Goal Is to Deny or Undervalue Your Claim

GEICO is part of Berkshire Hathaway, and in 2023 alone, it collected $39.2 billion in premiums. Its mission is not to compensate you fairly—it’s to protect its profits.

Regardless of your loyalty or accident-free history, when it’s time to file a claim, you become a cost to be managed. Common tactics GEICO may use include:

• Arguing your injuries aren’t serious
• Disputing policy coverage
• Claiming you failed to mitigate damages

📌 Tip: Document everything—photos, receipts, medical reports, accident details. This evidence will be essential if you need to fight a lowball offer or denial.

Don’t Give GEICO Full Access to Your Medical Records

After a crash, GEICO may request access to your entire medical history. This seems harmless, but it's not. If you grant unrestricted access, GEICO can search for:

• Pre-existing conditions
• Old injuries unrelated to the accident
• Inconsistencies to challenge your credibility

Only provide records directly related to your accident injuries. A Georgia personal injury lawyer can help you determine exactly what’s necessary to share—and what to protect.

You Are Not Required to Give a Recorded Statement

Insurance adjusters often request a recorded statement, saying it’s “routine” or “required.” But here’s the truth:

🛑 You are not legally obligated to provide one.

GEICO may use your words against you later in the claims process. If you feel pressure to speak, always have an attorney present. They’ll help you avoid pitfalls that could reduce or jeopardize your settlement.

GEICO May Undervalue Your Medical Expenses

GEICO sometimes uses their own internal guidelines of “usual and customary charges” to slash the value of your medical bills, even if you submit full documentation.

To fight back:

• Submit itemized bills and physician statements
• Consider an independent medical evaluation
• Work with a lawyer to establish the true value of your medical treatment

Your Initial Settlement Offer Will Be Low

GEICO often begins with a lowball settlement offer—far below the value of your actual damages. Their strategy counts on your financial stress or lack of experience to push you into accepting prematurely.

💡 What to do?

• Reject the first offer
• Submit a formal demand backed by evidence
• Let an experienced attorney negotiate a fair settlement on your behalf