With medical appointments to attend and bills piling up after an accident, the last thing you want is to battle it out with a major insurer like GEICO. That’s where we step in.
At Morris Law Firm, our personal injury attorneys have the experience and dedication to stand up to big insurance companies and demand fair results for our clients. If you recently suffered an injury and need to file a GEICO claim, here’s how we can help.
What Is the Process for Filing a GEICO Injury Claim?
The first step in the process of filing a GEICO injury claim is reporting the injury accident to GEICO. Reporting the accident officially starts the claims process.
After you report the accident to GEICO, they will assign a liability examiner to your case. This examiner will conduct a thorough liability investigation to determine the validity of your claim and the extent of GEICO’s responsibility.
First, the examiner will review your coverage. They’ll look at your insurance policy and its provisions to see what it covers and compare this coverage to your current situation.
Then, the examiner will contact all parties that were in the accident to gather various accounts of what happened. This includes drivers, passengers, witnesses, and any other relevant people. The examiner will take statements and gather detailed information from each party. If there are conflicting accounts of the accident, they might conduct in-depth interviews to clear up any discrepancies.
Next, the examiner will collect additional data, such as police reports, photographs of the accident scene, and documentation of vehicle damage. They might send you requests for certain information or documents during this time. They might also review relevant traffic laws from the appropriate jurisdiction.
After gathering all the necessary information, the examiner will evaluate the data and handle the claim accordingly. This could mean agreeing to pay your claim in full, providing partial payment, or denying the claim altogether.
How Does GEICO Calculate Settlements for Injury Claims?
GEICO’s liability examiners and insurance adjusters consider numerous factors when calculating injury claim settlement amounts.
Here are some common elements that come into play:
- Medical Expenses: One of the primary factors is the cost of any medical treatment you have already received. In some cases, GEICO might also look at the projected medical costs you will likely incur due to your injury.
- Injury Severity: More severe injuries, especially those that result in long-term impairment or disability, typically command higher settlements.
- Policy Limits: Your insurance policy’s limit is the maximum amount it will pay for your potential settlement. If your losses exceed your policy’s limits, you might need to explore additional avenues for compensation.
- Previous Claims History: If you have filed numerous previous claims, adjusters might scrutinize your current claim more closely.
- Evidence and Documentation: Solid evidence like medical records, photographs, and witness statements can substantiate your claim, potentially leading to a higher settlement.
- Lost Income: If the injury caused you to miss work or reduced your ability to earn in the future, adjusters might take this loss of income into account.
- Potential Long-Term Implications: Chronic pain, long-term care needs, or any other lasting implications of the injury could influence your settlement.
- Legal Representation: Having an attorney can significantly affect your settlement amount, as lawyers can negotiate aggressively on your behalf and challenge GEICO’s attempts to minimize your payout.
What Are Common Challenges When Filing a GEICO Claim?
Filing an insurance claim is daunting, especially when dealing with a corporate giant like GEICO.
While many claimants hope for a straightforward approach, several challenges frequently arise, such as:
- Knowledge Limitations: Many claimants lack a comprehensive understanding of the claims process and the true worth of their injuries. Without knowing the potential value of their losses, many claimants inadvertently accept offers that fall significantly short of what they deserve.
- Delays: Reporting an injury immediately establishes a clear link between the incident and the resultant injury. However, some claimants delay this crucial step, which can cast doubt on the legitimacy of their claims.
- Inconsistent Statements: Giving varying accounts of events to different parties, such as the police, medical professionals, and insurance adjusters, can erode a claimant’s credibility. When a claimant provides inconsistent narratives, adjusters might question the legitimacy of the entire claim.
- Lack of Documentation: Robust evidence is the backbone of any injury claim. Failing to provide such comprehensive evidence allows GEICO adjusters to challenge the severity or cause of injuries more easily.
- Obscure Policy Exclusions: Insurance policies often contain specific exclusions. These exclusions can range from certain types of injuries to specific scenarios or causes of accidents. Without a thorough understanding of their policy’s provisions and exclusions, claimants might experience unpleasant surprises when GEICO cites them as reasons for denials.
- Negotiation Difficulties: Negotiating with insurance adjusters requires skill and knowledge. These adjusters undergo training to learn how to minimize claim payouts. Claimants without legal assistance often struggle to counter adjuster tactics, leading to settlements that don’t adequately reflect their losses.
Why Choose an Injury Lawyer From Morris Law Firm?
If you want a firm that truly prioritizes your needs, delivers on promises, and has a proven record of success, you want Morris Law Firm. Here’s why you should choose us to handle your GEICO injury case:
At Morris Law Firm, we like to let our results speak for themselves.
Here are just a few examples of the meaningful results we have secured for clients:
- $2,000,000 for a neck injury resulting from a pedestrian accident
- $675,000 for a DUI accident resulting in a broken leg
- $600,000 for a rib fracture resulting from a rear-end collision
- $300,000 for car accident injuries that required neck surgery
Genuine Client Commitment
Many law firms talk the talk, but Morris Law Firm walks the walk. From your initial consultation through to your case’s conclusion, you’ll realize our promises aren’t empty words. You can expect regular updates about your claim’s progress and consistent availability from our attorneys. If you call us, you’ll speak with the attorney handling your case the very same day or first thing the next day.
Experience You Can Trust
Our attorneys don’t just offer aggressive representation. We bring a wealth of legal experience to the table. This means we have what it takes to pursue a resolution of your case that gets you the money you need. Let us handle every aspect of your case and discover for yourself why we rank among the top personal injury lawyers in South Carolina.
The strength of Morris Law Firm lies not just in our attorneys but also in our extensive resources. We boast a team of seasoned trial lawyers and close relationships with expert witnesses, meaning we can bring every possible resource to bear on your case. Our commitment is unyielding. We never cut corners, and our clients’ well-being always takes precedence.
Always Available, Always Free Consultations
At Morris Law Firm, our doors are always open. Reach out to us anytime you need us – day or night, 365 days a year. Our initial case evaluations are always free, so you have the chance to review your options without any financial commitment.
What Evidence Can a Lawyer Use to Strengthen My Claim?
When you come to Morris Law Firm for help with your GEICO injury claim, we might rely on a variety of evidence to substantiate your claim and maximize your compensation.
Here are some common types of evidence we might employ:
- Accident scene photographs
- Witness testimony
- Medical records
- Rehabilitation therapy records
- Police accident reports
- Surveillance footage
- 911 call recordings
- Expert witness statements
- Cell phone or GPS records
- Skidmark analyses
- Vehicle damage photographs
- Personal injury journals
- Traffic camera footage
- Blood alcohol content (BAC) reports
- Other toxicology test results
- Weather or traffic reports from the day of the accident
- Work absence notes or medical leave certifications
- Pay stubs or other proof of income losses
- Physical evidence from the accident scene
- Repair estimates for property damage
- Diagrams or reconstructions of the accident scene
- Statements from first responders
- Road condition reports
- Manufacturer recalls or notices
What if GEICO Denies or Undervalues My Injury Claim?
If GEICO undervalues or outright denies your injury claim, your lawyer can take steps to challenge the determination.
First, they will review the reasons GEICO provided for the undervaluation or denial. By combing through these details, they can pinpoint any inconsistencies or errors in the insurance company’s assessment.
Next, your lawyer can take a closer look at the available evidence, such as medical records, accident scene photographs, and expert testimony, to challenge GEICO’s evaluation. They might present additional information that GEICO previously overlooked or didn’t consider to highlight the full extent of your injuries.
If negotiations with the insurance adjuster remain unfruitful, you and your lawyer might consider escalating the matter. This could involve a formal appeal within GEICO’s internal review process or even initiating litigation by filing a lawsuit against GEICO or the responsible party. With appropriate legal action, you might stand a better chance of obtaining the rightful compensation you deserve.
How Long Will It Take to Settle an Injury Claim With GEICO?
The time it takes to settle an injury claim with GEICO varies, often depending on the complexity of your case and the severity of your injuries. Some straightforward claims might resolve within a few weeks, while more complicated cases can stretch on for several months or even longer. However, remember that faster settlements aren’t always in your best interests. Rushing can sometimes mean compromising on the compensation you rightfully deserve.
A knowledgeable injury lawyer plays a key role here. They understand the nuances of the negotiation process with GEICO and can advocate fiercely for your interests. This includes protecting your rights, maximizing your potential compensation, and pushing for a timely resolution to provide you with relief as soon as possible.
So, while speed is beneficial, it shouldn’t come at the expense of thoroughness. With a skilled lawyer at your side, you can strike the right balance of seeking a swift yet fair settlement for your injury claim.
How Much Does It Cost to Hire a Lawyer for a GEICO Claim?
Many people hesitate to hire a lawyer for their injury claim due to concerns over the potential costs. But hiring a lawyer for your GEICO injury claim shouldn’t be a financial burden, and it doesn’t have to be. This is because most injury lawyers operate on a contingency fee basis.
When you work with a lawyer on a contingency basis, it means you don’t pay any upfront fees or out-of-pocket expenses. Instead, the lawyer only receives payment if they win your case or secure a settlement on your behalf. Their fee typically comes as a percentage of the settlement or award they obtain for you, so they have every incentive to work hard and maximize your payout.
The lawyers at Morris Law Firm adopt this contingency fee approach. By doing so, we ensure that everyone, regardless of their financial situation, can access top-notch legal representation without the worry of unmanageable legal bills.