![]() ![]() You always want to ask when you will start being covered. With life, you may be subject to a contestability period. For instance, with dental, you may have a waiting period. Waiting Periods and Special Clauses: Some types of insurance have waiting periods before you will be covered.You can often ask for the type of policy that will offer you higher limits if the limits shown in the policy concern you. Ask about what coverages are limited and what the limits are. This becomes urgent when you are making a claim. This applies to all kinds of policies from health to car. Special Limits: Policies all contain certain sections that list limits of amounts payable.Compare these details to those in other quotes you have. If you get a really low price on a quote, you should ask what type of policy you have or what the limits of it are. Type of Policy: Companies offer various levels of coverage.It is vital to ask about the exclusions on any policy you purchase so that the small print doesn’t surprise you in a claim. Exclusions are not covered as part of your policy.Some people choose a high deductible as a way to save money. The higher your deductible, the more risk you take on, but your payments will be less. The deductibleis the amount of money you will pay in a claim.And even if a lawsuit is filed, remember that many are settled before they even go to trial. We will arrange for an experienced attorney to defend and advise you. However, if you are sued, don't worry-just notify GEICO immediately. The "L" Word: Lawsuitįortunately, most GEICO claims are settled quickly and never result in a lawsuit. Regardless of the outcome, you've got the GEICO team behind you. Be aware that settlement might take a little longer in this situation, because we might need to investigate to determine who really was at fault. If someone in the accident claims that you were at fault and claims to have suffered bodily injury or property damage, it's up to us to investigate and evaluate the claims. It will cover the repairs to your car, minus any deductible amount. GEICO provides payment digitally or by mail. ![]() "When do I get my money?" GEICO will usually send payment to you as soon as possible after the accident investigation is complete. We're not happy unless we're helping you! Covering the Costs Of course, if you have any questions throughout the process, simply call a GEICO claims representative at (800) 841-3000. Plus, if you have rental reimbursement coverage, we'll help to set you up with a rental car while your vehicle is being repaired. Find an Auto Repair Xpress facility and call us to schedule an appointment.Īt the inspection, which usually takes about 30 minutes, the Shop Representative will evaluate the damage to your car and write up an estimate. You'll have peace of mind knowing that GEICO provides a written lifetime guarantee good for as long as you own the vehicle. You can choose any repair shop for your repair work, but if you would like our help when choosing a shop consider using our GEICO Auto Repair Xpress ® program for fast, hassle-free repairs. If it's not safe to drive, just let us know and we will send an auto damage adjuster to the vehicle's location. If your car is safe to drive, we'll schedule a time for you to bring it in-usually within 24 hours. Just contact GEICO to get the insurance claims process started. You choose the option that is best for you. Simply file your claim online or call us at (800) 841-3000. Our claims representatives are available anytime to help you file a claim, and answer any questions you might have about the claims process. We're proud to offer you personal attention around the clock. In fact, your claim may be settled in as little as 48 hours. We can't pretend that the car insurance claims process is fun, but we can promise you we'll make it as hassle-free as possible. Well, adjust your expectations-for the better. When you think of insurance claims, you probably need to pop an aspirin. GEICO Claims: Streamlined and Stress-Free ![]()
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