GEICO is one of the most widely used auto insurers in Texas. While known for competitive rates, GEICO's claims department is focused on minimizing payouts — just like every other major insurer. Here is what Texas injury victims need to know when dealing with GEICO.
The difference between handling a GEICO claim yourself versus having an experienced Texas personal injury attorney is not just a few thousand dollars — it can be the difference between a settlement that barely covers your medical bills and one that truly compensates you for everything you have been through.
*Estimates based on industry studies. Individual results vary based on case specifics.
Understanding how GEICO handles injury claims is the first step in protecting yourself. Here are the tactics their adjusters are trained to use:
GEICO is known for making quick settlement offers — sometimes within days of an accident. These rapid offers are designed to close claims before you understand the full extent of your injuries or consult an attorney.
GEICO may request you attend an Independent Medical Examination with a doctor of their choosing. These IME doctors are paid by the insurance company and often minimize injury severity. An attorney can advise you on your rights regarding IMEs.
GEICO adjusters are trained to find ways to assign partial fault to you — reducing their payout under Texas comparative fault rules. An attorney can counter these arguments effectively.
GEICO may conduct surveillance or monitor your social media to find evidence that contradicts your injury claims. Avoid posting about your accident or physical activities during your claim.
Do not give recorded statements without an attorney. Do not accept the first settlement offer. Do not sign any releases or medical authorizations without legal review. Do not post about your accident or physical condition on social media. Do not miss medical appointments — gaps in treatment hurt your claim.
Notify GEICO of the accident — you are typically required to do this. But say only the basic facts. Then immediately contact a personal injury attorney before doing anything else. HurtMatch can connect you with an independent attorney who has extensive experience handling GEICO claims in Texas — free, within minutes.
Dealing with a different insurance company? We have guides for all major Texas insurers: