Negotiating against a low ball Geico settlement offer Injured? Lawyer up before you sign a check.

Geico Settlement Payout Process:

  1. Geico claim phone number: Call the number on the back of your proof of insurance card or dial the national phone number: (800) 841-3000.
  2. Claim time limit: Most states have strict yet complex statute of limitations rules such as “you must bring a claim within 3 years of the date of discovery of the injury”. It’s complicated. Act fast - the insurance company will.
  3. Repair shops: Geico requests insurance customers to use a Geico-approved auto repair facility. However, this suggestion serves only to save the insurance company money. In reality, you can go wherever you want for repair service. Tell your insurance company your favorite auto shop will do the work.
  4. Settlement negotiation: Insurance companies like Geico Insurance Association have teams of professionals dedicated to limiting or denying your settlement payout. For small claims not involving injury, you might want a lawyer for property damage or a bad faith insurance claim. If you were injured, a personal injury lawyer can help you assess all damages. 
  5. Reviews for Geico Insurance Association: Geico Google Review page

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How can I get a higher settlement from my Geico Insurance Claim?

GEICO is the second-largest auto insurer nationwide, providing coverage to more than 14 million Americans. But... where the rubber meets the road is in how GEICO customers feel after filing a claim. Like any insurance company, GEICO’s bottom line is making money, and since GEICO is owned by Berkshire Hathaway (a multinational conglomerate led by Warren Buffett), this is clearly something they’re very good at.

If you’ve been injured in an auto accident, there’s a good chance you’re not only dealing with repairs to your vehicle but also medical care for yourself. And if you think dealing with auto insurance companies is tricky, dealing with health insurance companies is even worse.

Milwaukee car accident lawyers at Warshafsky Law are the highest rated in negotiating with GEICO and other insurers, securing the maximum settlements for car accident victims. Some of our lawyers are even former insurance industry attorneys, giving our legal team a unique understanding of the GEICO settlement process and how insurance companies operate.

Injured? it is about the money®

How do I get my GEICO settlement check?

GEICO provides a simple insurance claim process over the phone or through their website or mobile app. In minutes you’re able to report a car crash, hit and run accident, or vehicle damage, request roadside assistance, and even schedule a repair. You’ll receive a confirmation email right away, and a claim examiner will call you to explain the next steps. 

GEICO typically has fast response times when investigating a claim—after all, the sooner the claim is settled, the more money they save. You may be feeling eager to get the claims process over with, which is what they’re counting on. The truth is they have a job to do, which is to save their company as much money as they can get away with.

You can avoid being taken advantage of by talking to a personal injury lawyer experienced in dealing with insurance companies. If an adjuster calls you immediately after an accident, you aren’t obligated to make a statement. Be polite but firm, ask for contact information, and tell them you will call when you are ready. Every time you speak on the phone with anyone at your insurance company, you can assume the conversation is being recorded.

Factors affecting your GEICO payout

During the claims process with GEICO, you can expect a liability examiner to interview everyone involved in the accident. They will collect as much information as possible from:

  • the police report
  • passenger and witness statements
  • photos and measurements from the scene
  • researching repair estimates
  • anything you say

An insurance adjuster may also ask you to sign medical authorization forms. It is extremely unwise to sign any forms giving your insurance company access to your medical records without first consulting a lawyer. The forms usually allow the insurer complete access to your detailed medical history. Then they go hunting for any past medical issue (even if it’s a psychiatric evaluation or an injury from 25 years ago) which could be used to dispute your claim. An experienced personal injury attorney can determine which medical records must be provided to the insurance company and when it’s appropriate to share them.

How to negotiate against a lowball GEICO settlement offer

  • An insurance adjuster doesn’t decide how much you’re entitled to; they decide how much they’re going to offer you. The insurance company will say things like, “After a thorough investigation and using highly specialized software, we’ve determined the value of your claim,” to get you to believe it’s an official statement of value. Don’t be fooled. Even a printed check is only an offer, and once you sign it you can NEVER pursue further compensation.
  • Remember, the insurance representative is trained and experienced and everything they do is calculated. Don’t be surprised if you demand a certain settlement amount and the rep says they need to get back to you. Ending the conversation and wasting your time is one of many delay tactics insurance professionals use to slow down the process, hoping frustration and financial hardship will pressure you to settle for less.
  • Put it in writing. When communicating with your insurance company, write a letter or send an email to create proof of your actions. After speaking on the phone, send a short follow-up note to confirm the statements and promises made by the representative.
  • You’re one individual up against a powerful chain of command. Let’s say you ask for a supervisor. The supervisor has a unit manager, who has a claims manager, who has a regional manager, and so on. And each boss of a boss has a playbook filled with strategies for convincing you to accept the smallest check possible. This is likely the only insurance claim on your mind. It’s one of thousands for an insurance company, and they do this every day.
  • Negotiating with an insurer isn’t like haggling at a car dealership. Insurance companies have legions of professionals (including attorneys) dedicated to limiting or denying your settlement. You may be wondering how to file a personal injury claim without a lawyer, but you should know your chance of arriving at a fair settlement amount is much higher when your claim is backed by an experienced team of aggressive personal injury lawyers.

When it’s clear you’re not going to roll over and take a lowball settlement offer, an insurance company has many “deny, delay, and confuse” tactics they use to make things difficult for you. Tactics range from the annoying, such as losing your paperwork, to the serious, such as using impossibly obscure and confusing terminology as a reason to deny your claim (after Hurricane Katrina, many homeowners who had purchased hurricane insurance suddenly found themselves denied coverage because of an incomprehensible “anti-concurrent” clause).

Knowing what your claim is worth: GEICO settlement amounts

Some damages are easy to calculate, such as repair costs and medical bills. However, calculating lost wages and lost earning potential can quickly become problematic, especially if you’re self-employed or between jobs. You may also be entitled to damages for pain and suffering, or mental anguish, which can be difficult to quantify. Insurance companies know the only limit on a settlement amount is determined by a jury trial, and it’s in their own best interest to settle out of court. 

We understand the way insurance companies think because our legal team includes former insurance industry attorneys. Not only do we know insurance companies, they know Warshafsky Law. Typically, the first thing they do is make you a much larger settlement offer. It’s not enough to need and deserve a settlement—they don’t collect tens of millions a year in profits by taking people’s word for it, and they aren’t likely to cut you a break without a fight.

The attorney you choose may be the most influential factor in determining the amount of your settlement. Many personal injury law firms are content to cooperate with the insurance companies, “signing and settling” as many cases as they can and collecting their fee. Insurers know they won’t be taken to court, so there’s a limit to what they’ll offer these lawyers. The determined personal injury lawyers at Warshafsky will go the distance to make sure the insurance company compensates you for ALL recoverable damages. We've handled GEICO, Allstate and State Farm insurance claims with success, along with numerous other insurance companies. You will pay absolutely nothing in fees until you receive your compensation.

Contact our personal injury law firm to schedule a free initial legal consultation on your personal injury claim case.

6 WI Car Accident Laws that Impact your claim

What to know about GEICO repairs after your car accident

A "Geico repair shop in Wisconsin" is a myth, plus 3 other lies

Lie #1: “We want to get this taken care of for you right away”

Empathy is a good thing. But when an insurance rep tells you “I know how frustrating this must be” and follows up with “We want to get this taken care of for you as quickly as possible,” beware. They know it’s an inconvenience to be without a car, and they know you’re likely to just go along with whatever plan they lay out for getting the work done. This usually involves a repair shop they recommend.

Lie #2: “There’s a GEICO shop near you…”

This seems like a nice gesture. A repair shop near you, how thoughtful! Or is it?

The reality is no one working for GEICO is looking out for your best interests. They’re looking to pay the least amount possible. The shop “near you” may not be the nearest shop and, more importantly, may not be the best shop to repair your car.

While minimizing their losses may be good for company insiders and stockholders, it’s not good for policyholders. If there’s a body shop you know and trust, tell the insurance rep this is where you want to take your car.

Lie #3: “There’s no difference between OEM and aftermarket parts”

Before you have any shop work on your car, ask if they’re going to use OEM parts or aftermarket parts. If anyone assures you there’s no difference, start looking for another repair shop. Aftermarket parts often don’t fit correctly, last as long, or work as well as OEM parts.

GEICO will tell you aftermarket parts are fine because they’re looking for the cheapest way to have your car repaired. While it may be impossible to get new OEM parts for an older car, there’s no reason why you can’t get OEM parts for a later model. And no reason to settle for anything less.

The Big Lie in Personal Injury Settlements

The biggest lie you’ll get from your insurance company is that their settlement offer is the best they can do. They’ll spin a story about how the dollar amount was carefully calculated to cover all your costs when in actuality it was calculated on what is most likely to cost them the least.

The settlement offer usually takes the form of a check. When you’ve been injured in an auto accident, are unable to work, and your bills are piling up right and left, that settlement check looks really good. Three words of advice: Don’t take it! The minute you cash their check you waive your right to litigate for a higher settlement.

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How long does Geico give you to file a claim in Wisconsin?

There is not an official time limit for filing a claim with Geico in Wisconsin, unless the delay compromises the insurance company’s ability to investigate the claim and make reasonable settlements. Read your insurance policy carefully to determine any time restraints on filing a claim with Geico.

How fast does Geico pay claims?

Geico pays claims in as little as 48 hours after the accident investigation is completed. The sooner the claim is settled, the more money Geico saves.

How does Geico settle claims?

Geico promotes a simple insurance claim process over the phone, through their website or on a mobile app. You can report a crash, request roadside assistance and schedule a repair in minutes. Geico settles claims as quickly as possible to save their company as much money as they can. Insurance adjusters count on you being eager to get the claims process over with so they can pay less than you deserve. A personal injury attorney will work with you to protect your right to fair compensation from Geico.

How long do you have to report an accident in Wisconsin?

You have 10 days to report an accident in Wisconsin. Calling the police may seem like an unnecessary step, but it is required under Wisconsin law if: - Any person is injured or killed. - $200 or more damage in damage to government property results. - $1,000 or more in damage to any person’s property results. If the police don’t respond to an accident, you must complete and submit a Driver Report of Accident within ten days.

Is Wisconsin a no-fault state for accidents?

No, Wisconsin is not a no-fault state. Wisconsin is an at-fault state, meaning the driver who causes the accident must use their insurance to pay for the other driver’s bills from the accident.