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Geico insurance claims in california

After you were injured in a motor vehicle accident, you may be wondering what steps to take, who to file an insurance claim with, and how to go about pursuing compensation. In California, if you were involved in an accident that was not your fault, you must file an auto insurance claim with the other driver’s insurance company. If the other driver is covered by Geico, you’ll find that the claims process can be challenging, especially when it comes to negotiating a fair settlement that will cover the cost of all auto accident-related damages. Keep in mind, that in some cases, you may need to file an auto insurance claim with your own insurance company if you were at fault or the other driver was not insured or underinsured.

California is an At-Fault State

Regardless of whether you were at fault, you must contact your own insurance company as soon as possible to report the accident. Ideally, you should report the collision within 24 hours of the occurrence.
Since California is an at-fault state, if you were involved in a motor vehicle accident that was not your fault, you must file an auto insurance claim with the other driver’s insurance company.

Geico is One of the Leading Insurance Providers in CA

If the other driver’s insurance provider is Geico, be prepared for a battle. Geico is a major insurance company and its success is due to its skilled claims adjusters who work tirelessly to minimize payout to accident victims or outright deny their claims.

Should I Contact Geico?

When it comes to how soon a policyholder files a claim, Geico does not have a time limit. This is because Geico cannot deny claims based on late notices. Because of this, it may be left up to you to contact the insurance company and notify them of the accident. If you have no personal injury law experience or you’ve never dealt with an aggressive insurance adjuster before, you may find the entire process daunting. To protect your claim and your rights, your best option is to contact a personal injury attorney before you contact Geico.

First Party Versus Third Party Accident Claims

Since California is an at-fault state, you must file a third-party insurance claim, which is a claim filed with the other driver’s insurance provider. If you were at fault, you will file a first-party insurance claim with your own insurance provider.

Filing a Third-Party Claim With Geico

To file a claim with the third-party’s insurance carrier you must know the at-fault driver’s name, phone number, auto insurance policy number, and the name of the insurance provider. If the other driver has Geico auto insurance, you can contact a Geico insurance agency directly, have your own insurance provider file a third-party claim, or hire a personal injury lawyer who will handle all interactions with Geico. If you decide to handle the claim yourself, you’ll have to deal with auto damage adjusters and other insurance professionals who will fight you every step of the way and dispute your claim for property damage and injuries. Without an attorney, accident victims find it difficult to receive the fair compensation they deserve.

Uninsured/Underinsured Motorist Coverage

Drivers are required to carry uninsured motorist coverage and encouraged to carry underinsured motorist coverage.

Uninsured Motorist Coverage

Uninsured coverage works as a safety net in the event you’re involved in an accident with a driver that doesn’t have insurance. In this situation, you’d file a first-party claim with your insurance provider.

Underinsured Motorist Coverage

Based on the negligent driver’s bodily injury liability coverage insurance limits, if you sustained damages that exceed their policy limits, you can file a claim with your insurance provider to cover the remaining costs of damages.
But you’ll find, that even filing with your own insurance provider can be an overwhelming and frustrating experience

Speak to an Accident Attorney from a Personal Injury Law Firm

If you suffered severe injuries in an auto accident, contact a personal injury accident attorney as soon as possible. Filing an insurance claim with Geico can be challenging, especially if the insurance adjuster is refusing to offer you a fair settlement. An accident lawyer can take over settlement negotiations, file the appropriate paperwork, investigate your accident and effectively negotiate a fair settlement for economic and non-economic damages. You don’t have to go through this legal process alone. Hiring an insurance attorney will level the playing field. A lawyer knows how to handle insurance companies and will not be intimidated by aggressive claims adjusters. At Lem Garcia Law, our goal is to help you recover the compensation you deserve for pain and suffering, past and future medical bills, property damage, and other types of damages. We’re familiar with insurance law and know what it takes to build the strongest case possible.
While you focus on your recovery, let a personal injury lawyer deal with the insurance company. At Lem Garcia Law, our accident attorneys have dealt with Geico in the past and are familiar with the tactics major insurance companies try to use to deny claims or minimize payout. Our accident lawyers are also expert negotiators and will not back down if Geico refuses to offer a settlement that’s fair.

Contact an Accident Lawyer at Lem Garcia Law Today to Schedule a Free, No-Obligation Consultation

If you were involved in an auto accident and need to file an insurance claim with Geico, or you don’t know how to go about filing a claim, contact Lem Garcia Law today to schedule a free, no-obligation case strategy session. You can meet with one of our attorneys to discuss your case and learn about your legal rights and options. If you decide to hire us, we’ll begin an investigation and handle all interactions with Geico, allowing you to focus on your recovery in peace. If you’re tired of harassing phone calls or arguing with an aggressive insurance adjuster, contact us now to schedule your free case evaluation and let us advocate for you and fight for the compensation you deserve.