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.
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.
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:
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.
When you’re ready, file your car accident claim with Geico using one of three available methods:
Geico has customer service representatives available to help you file a claim 24/7/365.
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 The Fang Law Firm can help you with every stage of your claim or a car accident lawsuit, starting with a free consultation.