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If you’ve been injured in an auto accident, you may be wondering what your next steps should be.
For some accident victims, legal action will be required to obtain the compensation they need and deserve following a collision.
Legal action may include suing a large auto insurance company like Geico. There are several reasons to bring a lawsuit against Geico, including an unfair payout, a lowball offer for compensation, bad faith on behalf of the company or claims adjuster, or a denied claim.
If you believe that suing Geico is your best option to receive a fair settlement offer, consider working with an experienced trial car accident lawyer. They can help you determine if suing is in your best interest and walk you through every step of the process.
A Geico insurance claim is something that is filed by an insured motorist following an accident to seek compensation for losses and damages. You may file a claim with your own Geico policy or through that of the liable party.
If Geico does not fairly handle your claim — for example, if the Geico adjuster lowballs your damages — you may need to take things a step further to obtain a fair settlement. This step would involve suing Geico in your local court.
A lawsuit is different from a claim, as it is handled within a court rather than outside of it. The majority of car accident cases are settled outside of court. However, if your personal injury claim doesn’t settle fairly, your legal representation may decide it’s best to sue.
Whether you’re eligible to file a lawsuit against Geico will largely depend on how they handle your car accident claim.
In most cases, those who go on to sue Geico have claims that were treated in bad faith on behalf of the insurance adjuster or insurance company.
Examples of ways in which an insurance provider can act in bad faith include:
The type of lawsuit you file against Geico will depend on your specific personal injury case and the legal advice of your attorney.
The most commonly filed lawsuits against Geico in relation to auto accidents include:
Knowing what factors can impact your lawsuit against Geico can help ensure you compile a well-rounded case with strong odds. Your personal injury lawyer, or auto accident attorney, can help ensure you understand these factors.
Common factors that influence an insurance company lawsuit include:
There are several steps involved in suing Geico insurance after an auto accident. Your car accident attorney can walk you through these steps and complete many of them on your behalf.
One of the first things you’ll want to do before filing a lawsuit is to contact a personal injury law firm. They can provide you with a case review and help you understand your likelihood of success.
Most auto accident attorneys will offer a free consultation to review the details of your case. This will involve assessing details such as police reports and medical records.
You can use the information provided to determine whether you want to pursue a lawsuit.
The first step in pursuing any kind of compensation for property damage or accident injuries is to file your auto accident claim. Your attorney can do this on your behalf.
Your claim will include all relevant information to support your case, such as any recorded statements, police reports, medical bills, and photos of the scene of the accident.
Once your claim has been filed, your attorney will begin negotiations for a fair settlement on your behalf. They will work with the insurance company’s legal representation to do so.
If your lawyer and that of the insurance company cannot reach a fair verdict for a settlement, you may choose to take your case to court by filing a lawsuit.
There are several key pieces of evidence you’ll need when suing Geico for an insurance claim.
Some of the most important pieces of evidence include:
There are different types of insurance coverage a policyholder can have with Geico. The type of coverage you or the at-fault party has can impact the outcome of the lawsuit.
Common types of auto insurance coverage offered through Geico include:
The amount of time you have to bring a lawsuit against Geico following an auto accident is dependent on the statute of limitations in your state.
The statute of limitations refers to the time limit a person has to sue an insurance company or person from the date of the accident.
In most states, the statute of limitations is two years. This means that accident victims have two years from the date of the collision to file a lawsuit against Geico or another auto insurance company.
While there isn’t any specific information available on Geico car insurance lawsuit settlements, there are statistics related to all large auto insurance companies, including Geico.
For example, in 2020, the average settlement won by accident victims for personal injuries due to auto accidents was $20,235. In that same year, the typical property damage settlement was around $4,711.
Several factors influence how much a person will win in a lawsuit. Common factors include the extent of the losses and injuries, whether they had any fault in the accident, and type of insurance coverage the at-fault party has.
There are different types of damages a person can incur in an accident and can therefore claim in a Geico lawsuit.
Some of the most common damages seen in auto insurance lawsuits include:
Geico does not offer up-to-date statistics on its auto insurance claims and lawsuits.
The following are general auto insurance lawsuit statistics that apply to Geico:
If you believe your auto accident case should be taken to court against Geico, working with an experienced car crash attorney is the best way to win the maximum settlement.
An accident lawyer can walk you through the legal process and ensure you are properly represented and that your rights are honored and upheld.
Finding the right attorney is just a phone call away. Reach out to LegalFinders today to get connected with the best personal injury lawyer for your case.
The following are frequently asked questions related to Geico car accident lawsuits.
Geico is above average when it comes to paying out claims. They received a claims satisfaction score of 874 points out of 1,000 on the latest J.D. Powers auto claims satisfaction study.
The negotiation process for a settlement begins after you file an auto accident claim with Geico. Your legal representation will negotiate with the other party’s legal team on your behalf to reach a fair outcome.
It generally takes Geico six months to pay off an auto accident claim. Several factors go into how long it may take, including the severity of the accident and injuries and how many parties were involved.
Forbes Advisor. “Personal Injury Lawsuit Guide 2023.” Retrieved from: https://www.forbes.com/advisor/legal/personal-injury/personal-injury-lawsuit/.
Forbes Advisor. “Typical Car Accident Settlement Amounts (2023).” Retrieved from: https://www.forbes.com/advisor/legal/auto-accident/typical-car-settlement-amounts/.
Geico. “Find Out About Payment Recovery For Car Accidents.” Retrieved from: https://www.geico.com/claims/claimsprocess/payment-recovery/.
J.D. Power. “Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Find.” Retrieved from https://www.jdpower.com/business/press-releases/2022-us-auto-claims-satisfaction-study.
United States Courts. “Federal Judicial Caseload Statistics 2020.” Retrieved from: https://www.uscourts.gov/statistics-reports/federal-judicial-caseload-statistics-2020.
U.S. News. “Bad Faith in Insurance.” Retrieved from: https://www.usnews.com/insurance/glossary/bad-faith-in-insurance.