The experience of being in a car crash may be both distressing and perplexing. The car accident can have serious monetary repercussions for the victim and the obvious emotional and physical toll it takes on the victim. You have the legal right to file a claim for damages if the accident was not your fault.
Completing a claim can be a time-consuming and frustrating procedure. In addition, there are several parties concerned, including the insurance provider. Over 24 million automobiles are protected by one of the largest insurance providers in the United States.
Consequently, you are obligated to receive direct and indirect messages from this insurance provider, Geico, whether you have been insured with them or are involved in an accident with someone.
Therefore, you may be wondering what steps you might take to settle your claim. Learn more about how to file a claim with Geico as a party in the process below.
In What Way Does Geico Handle Claims For Bodily Harm?
Like most insurance companies, Geico uses tactics to minimize the amount paid to an accident victim. Geico may want to maximize profits by ensuring that victims receive the smallest possible settlements for their injuries.
Geico could use the following methods to achieve this goal:
- Reply Delayed
Delays in receiving an answer from an insurance provider can be frustrating during already trying times of emotional stress. However, this is only one tactic used by Geico and other insurance providers to discourage those who have been injured not to file claims. As a result, the victim loses hope and may have trouble maintaining the claim.
- Deflecting Responsibility
A claim can be contested in numerous ways. One is casting doubt on the victim’s account of what happened and placing the blame elsewhere. Most insurance firms act wickedly, attempting to minimize any compensation you may receive.
- Lowball Settlement Offer
Geico will not give you their maximum settlement amount even if you have a legitimate claim. Instead, they’ll make you a pitiful settlement offer that might not even cover your out-of-pocket medical costs. In addition, they will try to take advantage of the fact that you don’t have a lawyer by offering you a lower settlement.
- Struggle, Rather Than Submission
This common strategy typically yields favorable results even without legal representation. In most cases, insurance providers like Geico will try to make you feel that you have no legal right to financial reimbursement from them. They are betting that you are not familiar with personal injury law and don’t have a lawyer to defend you against any charges that may be filed against you.
Insurance companies like Geico don’t look out for their customers’ best interests. They are incentivized to minimize the settlement amount offered or deny your claim entirely to maximize their profit.
You must retain the services of an experienced personal injury attorney to assist level the playing field and protect your rights and interests throughout the claim process.
The Geico Experience
There is always the chance that your conversation with Geico or any other insurance provider will harm your claim. It is, therefore, critical to know what to do and what not to do in the aftermath of a car crash.
Following an automobile accident, here is a quick rundown of some dos and don’ts while communicating with Geico, who insures the negligent driver.
- Please don’t give away too much.
- Don’t give too much information unless it’s related to the accident.
- Ignore any responsibility.
- Refuse to agree to a taped interview.
After the incident, you should speak with a lawyer as quickly as possible.
Should You Retain A Lawyer For A Personal Injury?
The time to hire a personal injury lawyer is immediately following the accident. A lawyer will help protect your interests and rights throughout the claims process and work to get you the most money possible for your injury.
As a general rule, a competent and experienced personal injury lawyer will:
- Collect evidence to back up your assertion.
- Consult an economist for help determining how much money you should be receiving.
- Make a deal with Geico on your behalf.
- Represent you in court if necessary.
As such, having a personal injury attorney involved in your claim is one of the critical steps toward ensuring you receive fair compensation. In most cases, the mere threat of exposing Geico’s bad faith in court is enough to get them to make a reasonable settlement offer. Furthermore, there is little chance of the insurance company taking advantage of the victim when a competent and qualified attorney handles the claim.