Get personalized GEICO insurance coverage in just a few easy steps.
Filing a GEICO insurance claim involves promptly reporting the incident, providing detailed information and documentation, working with an assigned claims adjuster, and either repairing your vehicle or receiving a payout for covered losses.
Ensure Safety: Prioritize the well-being of yourself and others involved. Seek medical attention if needed, even for injuries that seem minor
Document the Scene: Take photos or videos of vehicle damage, accident location, road conditions, and any visible injuries. Collect contact information from witnesses if available
Contact Authorities: Call the police if required; official reports provide crucial evidence for your claim
GEICO offers multiple options for filing a claim:
Online: Submit directly through the GEICO website, accessible 24/7.
Mobile App: The GEICO app allows quick submission, photo uploads, and real-time tracking.
Phone: Contact GEICO’s claims hotline (800-861-8380) to file over the phone.
In-person: Through local GEICO offices or authorized repair shops.
Required information typically includes your policy number, date, time, and location of the incident, along with any police reports, photos, or eyewitness accounts
After filing, GEICO assigns a claims adjuster who:
Reviews all submitted documentation and evidence.
Assesses vehicle damage or personal injury.
Determines liability and calculates the payout amount
Cooperate with the adjuster fully and provide additional documentation if requested. The investigation may involve discussing the incident with you, inspecting your vehicle, or contacting witnesses
Authorized Repairs: GEICO partners with Auto Repair Xpress (ARX) locations for guaranteed repairs, faster service, and lifetime warranties
Choose Your Own Shop: You may also select your preferred repair facility, but GEICO may evaluate estimates to ensure fair repairs
Total Loss: If your vehicle is declared a total loss, GEICO provides compensation based on the actual cash value minus your deductible
Once the claim is approved:
GEICO issues payment either digitally or via check.
You may accept the settlement or provide additional supporting evidence to negotiate a higher amount if necessary
GEICO handles claims as quickly as possible. Simple claims may be resolved within a few days, while more complex claims involving severe damage or disputes can take several weeks or months
Track your claim status through the mobile app or online portal to stay updated in real time
Report the incident promptly—ideally within 24–72 hours
Provide complete and accurate information, including all supporting documents
Maintain polite and consistent communication with your claims adjuster
Consider legal advice if you suspect disputes, significant injuries, or potential claim denial
Check that your policy includes coverage for rental vehicles if needed during repairs
By following these steps, you can navigate GEICO’s claims process efficiently and improve the chances of a timely and fair settlement