Injured? Accident or Wreck? Learn More:
- Got questions? Call us at 956-300-0000 or contact us.
- This page is NOT an official GEICO Page.
- We are a PERSONAL INJURY LAW FIRM helping accident victims to recover what they deserve.
- This page is NOT legal advice. We strongly recommend you consult an accident lawyer who may be able to help with GEICO Claims after an injury!
When a Texas GEICO Insurance Agent is ready to help with your accident claim, what are the first things to consider?
How do you speak with a GEICO (https://www.geico.com/) accident claims adjustor in Texas? Someone who has been in a car accident may be in the wrong mindset to talk to an insurance adjuster. The result could mean regretting a quick settlement for a speedy check. The amount you receive might not cover unexpected long-term expenses like physical therapy or additional surgery. Before directly speaking to an insurance claims adjustor, here are five things to consider.
- Don’t sign anything. Once you’ve accepted an amount and signed a document, GEICO is off the hook for covering any more claims for that accident. The sum they offer may sound good, but speak to an attorney first; we usually find there’s more they should cover.
- Don’t agree to a recorded statement. It will not benefit you or your claim to agree to a recorded discussion. Even if the claims adjustor insists, you are not legally obligated to speak on the record about your accident, injuries, or anything else about the car crash.
- Never accept fault. We advise you not to speak to an insurance claims adjustor, but if you do, never accept blame for an accident. Texas is an “at-fault insurance state,” meaning the person legally responsible for the accident pays for the damages. Our legal team can dig deep into the accident and find where the fault lies. Most of the time, it’s not leveled at just one person.
- That GEICO claims adjustor may be friendly, but they are not your friend. Good customer service is essential for any business, but that friendly and “supportive” insurance adjustor represents a large company. They want the claim settled cheaply and quickly! And if they can deny your claim, even better!
- The other parties may owe you compensation, too. Your GEICO insurance policy can help cover the damages after a car wreck, but the other drivers might be responsible, too. If it’s another driver with GEICO or a trucking or parcel service, you’ll need a lawyer to help juggle the work and negotiate to fight for total compensation.
Working directly with a GEICO Insurance Agent in Texas vs. Personal Injury Attorney
There is a big difference between these two approaches. The first is paperwork. If you decide to work directly with GEICO Insurance, you will be responsible for collecting the following:
- Police accident report on the car crash.
- All copies of your medical records of the injuries from the car crash.
- Medical bills and related costs.
- Personal account statements from those who witnessed the auto accident.
- All copies of your health insurance policies
- A copy of the GEICO insurance policy with the policy number and coverage details.
Managing paperwork, deadlines, and discussions with the insurance company can be draining. Not only that, it will not ensure fair compensation for your injuries. GEICO is like any other insurance provider; they are a business first. When they offer “fast, easy, and affordable” insurance coverage, that can also mean they are dedicated to making sure their claim payments are minimal.
But that can change when working with a lawyer. Javier Villarreal firm (https://jvlawfirm.net/) puts your needs first. We collect the reports and work with you to collect all the paperwork too. You can relax while we handle any lengthy conversations. We are not concerned about the insurance companies’ bottom line but your right to full compensation after a car crash.
Does GEICO’s affordable car insurance pay off after an auto accident?
The insurance provider advertises cheap car insurance, but will that come at a cost later down the road? It doesn’t have to.
The Texas Department of Insurance reports that Texas residents paid $243.1 billion in premiums in 2022 (https://www.tdi.texas.gov/reports/documents/2023-tdi-annual-report.pdf), making the state the second-largest insurance market in America. They also note that insurance companies paid out $182.2 billion in claims. So, it’s easy to see yes, that GEICO policy is affordable, and they still do well as a profitable business. More importantly, they can cover your injuries and damages appropriately!
A skilled accident attorney in Cameron County can help ensure the insurance claim is fully paid (https://jvlawfirm.net/practice-areas/accident-attorneys/).
Can you negotiate with a GEICO insurance adjustor?
Negotiations are the name of the game, and insurance companies are very good at them. If you don’t have legal representation, the adjustor will probably skip real negotiations since they know they have the advantage and make a quick “push” towards settling. Most people who have been in a car crash either don’t know how to negotiate or just don’t have the energy for it.
Contacting a professional attorney in the Rio Grande Valley after a car accident is vital. We negotiate with GEICO and other Texas insurance companies all the time. We know the damages to consider for short-term and long-term compensation. And it is interesting how insurance representatives readjust their offers when a lawyer represents you!
Other questions about working with GEICO on a car accident claim
Q: How does GEICO calculate pain and suffering?
A: A pain and suffering calculator can help estimate the amount owed for a claim, but there isn’t one specific calculator. After a car crash, pain and suffering can encompass the following: emotional distress, physical trauma, discomfort, loss of quality of life, and physical scarring. Our JV Law Team (https://jvlawfirm.net/practice-areas/personal-injury/) does our best to help calculate those damages with far better accuracy.
Q: How long does it take to get a settlement check from GEICO?
A: Depending on accident details it can take from a week up to six months. Once the claim is settled and the paperwork is signed, the insurance company is motivated to close the claim and move on.
Q: Why would GEICO deny a claim?
A: If you say the accident was your fault, or if they find proof, they can reject the claim. If an insurance company has an opportunity to refuse your injury claim, it will take it. It’s best to allow a lawyer to handle the legal claim and avoid the insurance company’s attempt to deny it.
GEICO RESOURCES AND DATA
The link to finding a GEICO Texas Insurance Agent: https://www.geico.com/insurance-agents/texas/
GEICO page for what to do after a car accident: https://www.geico.com/claims/after-an-accident/
Insider secrets for GEICO accident claim: https://www.lawsuit-information-center.com/insider-secrets-geico-claims.html
