What happens if I'm in an accident where Geico is at fault?

GEICO will still handle your claim fairly and promptly, even if they are determined to be at-fault.

Their claims process remains the same regardless of liability.

If GEICO is at-fault, their policyholder's rates will typically increase upon renewal, not the innocent driver's rates.

GEICO absorbs the financial impact.

GEICO offers "Accident Forgiveness" coverage that can prevent your rates from going up after your first at-fault accident, even if GEICO is responsible.

In at-fault accidents, GEICO will cover the other driver's vehicle repairs and medical costs up to the policyholder's liability limits.

GEICO's claims adjusters work to determine fault objectively based on police reports, witness statements, and physical evidence - not based on who is a GEICO customer.

GEICO's "Direct Repair Program" allows you to get your vehicle repaired at pre-approved shops, streamlining the process when they are the at-fault party.

GEICO's uninsured/underinsured motorist coverage can protect you if the at-fault driver has insufficient insurance to cover your damages.

Accident claims against GEICO do not increase your own insurance rates as the not-at-fault driver, as long as you have the proper coverage.

GEICO's claims representatives are available 24/7 to guide you through the claims process if they are deemed responsible for the accident.

Even in at-fault accidents, GEICO aims to have your claim settled within 48 hours to get you back on the road quickly.

GEICO's electronic claims filing and damage inspection process can expedite the claims process when they are the at-fault party.

If the other driver is uninsured, GEICO's uninsured motorist coverage can step in to cover your damages, even if they are technically at-fault.

GEICO's accident forgiveness program can prevent your rates from rising after an at-fault accident for which they are responsible.

GEICO's claims representatives work to ensure a positive customer experience, regardless of which party is at-fault in the accident.

GEICO's overall commitment to fairness and efficiency in the claims process remains the same whether they are the at-fault or not-at-fault party.