How to File a Car Insurance Claim With Geico (2024)

If you’ve recently been in an accident, you may be wondering — how do I file a car insurance claim with Geico?

This is a common question, and conveniently, there are multiple answers. You have three choices: using the company’s app, going online, or calling the company. The more important thing is making sure you have what you need to file a claim with Geico.

How to File a Car Insurance Claim With Geico

Once you have all the information you need, your first step is to choose which method you’d like to use: the Geico mobile app, the online portal at geico.com/claims, or by calling (800) 841-3000.

If you don’t have it already, you can download the Geico app from all major app markets, such as Google Play and the Apple App Store. If you go online to geico.com/claims, you get the option to either report a new claim or track an existing one.

While you may already know how to correctly handle a car accident, the site also provides information on how to file a glass-only claim or request roadside assistance.

Read more: What happens if I disagree with Geico’s decision on my car insurance claim?

The Most Important Information You Need to File a Geico Car Insurance Claim

The most important info you’ll need when filing your auto claim is your policy number, when and where the incident happened, and the details of what happened and the people involved.

You may also want to gather the following information:

• The state, city, and intersection or other landmarks near where the incident occurred
• The full name of any other parties involved
• The insurance information of others involved
• The date and time of day of the incident
• The damage your vehicle sustained

These are the basics when it comes to what you need to file a claim with Geico. Even if you can’t provide any other documentation, this can be enough to get the ball rolling.

Accident Documentation When Filing a Car Insurance Claim With Geico

Your goal when filing a claim is to give Geico an accurate picture of what happened. Without enough information, Geico may not be able to provide you with everything you need to get your vehicle back on the road again and get care for any injuries sustained.

This is particularly important if you have coverage with one of the best personal injury protection (PIP) car insurance companies, like Geico.

With that in mind, you should try gathering the following:

• Pictures of the damage sustained to your vehicle
• Photos or videos of the scene of the accident
• Information regarding the weather conditions at the time of the accident
• A police report of an officer that came to the scene after the incident
• The statements and contact information of anyone willing to serve as a witness on your behalf regarding what happened

Keep in mind that Geico can only act on what the company knows and can prove. By giving the company this information, you put it in a better position to give you what you deserve.

Read more: Can I track the progress of my car insurance claim with Geico?

What You Can Expect From Filing Your Geico Claim

Filing a claim is a relatively quick process. Your Geico agent may ask for you to give a recorded statement in the direct aftermath. It is important to not admit fault at any point during the process.

After filing your claim, you can expect it to be processed within a month. What your settlement entails will depend on your insurance coverage. For better help understanding this, you can check our guide on car insurance coverage.

Your coverage will dictate what the settlement covers. Drivers with full coverage can expect more financial compensation than someone carrying just the bare minimum required by the state. Vehicular damages and medical expenses can be expensive, so read up on what to expect.

How to Work With Your Geico Car Insurance Claims Adjuster

If Geico assigns you a claims adjuster, you’re going to want to provide them with all the information they ask for, regardless of how much you’ve already submitted. For example, the adjuster may ask you to provide a written statement of what happened or request a police report. (For more information, read our “Do I need a police report to file a car insurance claim?“).

It’s also not uncommon for the adjuster to ask for repair estimates, especially if you choose where to get your vehicle repaired after the incident.

The faster you provide this information, the quicker Geico can settle your claim. Often, an adjuster has no choice but to “check off the boxes” when it comes to the data needed to move a claim forward. Otherwise, they may not be able to move forward due to a lack of information. This can result in significant delays.

Case Studies: Filing Claims With Geico

Case Study 1: John’s Accident

John was involved in a car accident and needed to file a claim with Geico. He made sure to gather all the necessary information from the other driver, including their contact details and insurance information. He also took photos of the accident scene and the damage to both vehicles.

John filed his Geico auto insurance claim online and provided all the required information. Geico processed his claim within a month, and John received a settlement based on his insurance coverage.

Case Study 2: Sarah’s Quick Claim

Sarah’s car was hit by another driver, and she needed to file a claim with Geico. She contacted Geico through their mobile app and provided the necessary details about the accident. Since there were no injuries and the damage was minor, Sarah didn’t need to file a police report.

She took photos of the damage and submitted them along with her claim. Geico settled her claim within a month, and Sarah received compensation for the repairs to her vehicle.

Case Study 3: Mike’s Comprehensive Coverage

Mike had comprehensive coverage with Geico when his car was vandalized. He immediately reported the incident to the police and obtained a police report. Mike then filed a claim with Geico, providing the police report and photos of the vandalism as evidence.

Geico processed his claim and covered the cost of repairing the damage to his vehicle. Mike was pleased with the prompt settlement and the support he received from Geico throughout the process.

The Last Word on How to File a Car Insurance Claim With Geico

Whether you prefer to use the Geico app, the online system, or the phone, the info you need to gather is the same. Take a little time to write down the details of the incident as best you can.

Also, in the immediate wake of an accident, it’s a good idea to gather the other person’s info, if applicable, and get a police report. With all of this in hand, you can increase your chances of enjoying a relatively smooth claims process with Geico.