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How to File a Car Accident Claim With Geico

May 27, 2022

Geico is one of the largest and most well-known car insurance companies in the country, with more than 18 million active auto policies. This means the odds are high that you will eventually need to file a car accident claim with Geico. If you have been in a car accident in Colorado and need to file a claim with Geico as your own insurance provider or the insurer of the other driver, here’s what you need to know.

How to File a Car Accident Claim With Geico

Whose Insurance Company Pays for a Car Accident in Colorado?

In Colorado, the driver who is most at fault for the car accident is who must pay for the damage caused. If you caused the accident and you have Geico automobile insurance, you will file a first-party claim to recover compensation. Your own policy should cover your losses if you have collision coverage, comprehensive coverage, uninsured/underinsured motorist insurance or another type of first-party insurance.

If the other motor vehicle driver caused your car accident, you will file with his or her Geico policy. All motor vehicle drivers in Colorado must carry $25,000 per person and $50,000 per accident in bodily injury coverage, as well as $15,000 in property damage insurance. Make sure you get the other driver’s name and insurance policy number or driver’s license number so that you can file your third-party claim. If you don’t have this information, however, you can still file a claim.

Steps to Take Before You File

Although it is important to file a car accident claim as soon as possible after your collision, there are steps that you should take beforehand to prepare for the claims process. Here’s what to do after a car accident in Denver:

  • Stay calm and pull over at the scene of the accident.
  • Call 911 to report the crash to the authorities.
  • Check for injuries and render aid to anyone injured.
  • Exchange names, contact information and insurance policy numbers with the other driver.
  • Get the names and phone numbers of any eyewitnesses.
  • Take photographs and videos while you are at the scene.
  • Check for nearby surveillance or traffic camera video footage.
  • Give the police your side of the story. Do not admit fault.
  • Write down your police report number.
  • Go to a hospital in Denver immediately for injury treatment.

Gathering information about the crash, such as a description of what happened, the location and the date of the crash can make it easier for you to answer Geico’s questions during your insurance claim.

Call Geico, Use the App or File a Claim Online

When you’re ready, file your car accident claim with Geico using one of three available methods:

  • Call (800) 207-7847. Use this phone number to get in touch with a Geico representative directly. The representative will guide you through the steps of filing a car accident claim while on the phone with you. You will then have to fill out and submit forms that are sent to you, such as a Proof of Loss Form.
  • Download the Geico app. Download the free Geico mobile app and use it to report your car accident virtually. You can access digital insurance cards, upload photos of your vehicle damage directly from your phone, talk to a virtual assistant, and more.
  • File your claim online. Use Geico’s online claim portal to file a claim online. Answer the questions asked about your car accident to the best of your ability, but don’t make guesses as to fault or liability.

Geico has customer service representatives available to help you file a claim 24/7/365.

Contact a Lawyer for Assistance

Despite their slogans and promises, insurance companies are not rooting for you as a claimant. Their priority is their bottom line – the company’s profitability. This can mean Geico tries to take advantage of you when you file a claim, such as by underestimating your losses or rejecting a valid claim. The best way to protect your rights during a Geico car insurance claim is by hiring a car accident lawyer in Denver for assistance. The attorneys at Fang Law Firm can help you with every stage of your claim or a car accident lawsuit, starting with a free consultation.