GEICO Auto Accident Claims

GEICO is currently the 2nd largest auto insurance carrier in the United States. In Maryland, GEICO is by far the largest auto insurance company. So if you have an auto accident claim in Maryland, there is a good chance GEICO will be involved. Our firm has handled more claims with GEICO than any other insurance carrier, so we are very familiar with their claims process.

This page will lay out our expert scouting report for handling auto accident claims with GEICO. Learn what to expect from GEICO and how to get maximum value for your claim. We also provide prior settlement and verdict results from actual GEICO cases to help you get an idea of how much to expect in your claim.

GEICO Claims Process – What to Expect


This graph shows the average initial settlement offer from GEICO compared to the average total medical bills in 25 random GEICO accident claims. It shows that GEICO’s first offers barely cover the claimant’s medical bills

GEICO Makes Very Low Initial Offers

GEICO can be very difficult to deal with on larger accident claims. GEICO’s strategy for dealing with larger claims is simple. They make an extremely low initial settlement offer then refuse to negotiate until the claimant moves forward with a lawsuit. All insurance carriers employ this strategy to some extent, but GEICO takes it a step farther.

GEICO consistently makes the lowest initial settlement offers of any insurance company we deal with on Maryland accident claims. In most cases, you can expect GEICO’s initial offer to be only 10-15% more than the claimant’s medical expenses. This is significantly less than the damages that a claimant would be entitled to under Maryland law.

GEICO Offers Increase Dramatically After a Lawsuit is Filed

Filing a lawsuit in an auto accident case always increases the pressure on the insurance carrier. This is especially true, however, when dealing with GEICO on an accident claim. If you reject GEICO’s lowball initial offer and file a lawsuit against their insured, GEICO immediately changes its position on the claim. The case typically gets reassigned to a new GEICO claims adjuster. The new adjuster usually come in and promptly makes a better settlement offer.