Recovering compensation from an insurance company can be difficult. If you are having issues dealing with an insurance company like Geico, contact a Geico car accident claims injury lawyer at Chalik and Chalik Injury Lawyers at (855) 529-0269 today to help you establish your claim and build your case.
Geico Car Insurance Claims
There are challenges to negotiating with insurance companies to obtain compensation for the damages that resulted from your accident. Even if the other party’s insurer is required to fully and properly investigate your claim, Geico will not necessarily compensate you automatically for your claims even if they are valid. Here are some common reasons that explain why dealing with Geico can be frustrating.
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Geico Puts Their Own Interests First
Like most car insurance companies, Geico will not automatically compensate someone immediately for any and all injuries and damages without substantial proof. Insurance companies are in business to make a profit, and each settlement reduces that profit. However, they are obligated to provide personal injury protection to you under FL § 627.737. If you are visiting with a claim representative or insurance adjuster from Geico, make sure that you do not provide extra information that can be used against you. Additionally, do not allow Geico to receive any and all of your medical records. These medical records requests are typically too broad and can allow Geico to see privileged information that could harm your case.
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Geico Insurance Settlements are Final
Remember that you should take time before making a decision to settle with an insurance company. Any settlement offer that you accept is then binding by law, and no additional compensation will be paid for your claims. Even if additional medical issues are found later resulting from the car accident, Geico would not be under any obligation to pay those claims if you had entered into a settlement offer with them.
You have approximately two years from the date of the accident to file a lawsuit in the state of Florida under FL § 95.11, so do not accept or act too quickly regarding a settlement offer. We can help you determine if a settlement offer is fair, or if you have the right to receive more compensation. Contact a Geico car accident claims injury lawyer at Chalik and Chalik Injury Lawyers at (855) 529-0269 today to see if the settlement offer you received is appropriate.
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Giving a Recorded Statement
Avoid agreeing to record a statement about the car accident and your injuries with a Geico insurance adjuster. These recorded statements can be used against you as evidence to not pay your claims. Any statement you make to an insurance adjuster can be taken out of context. Even something simple said to a Geico insurance adjuster such as, “I feel better now” or “I guess I feel okay” can harm your chances of receiving full compensation for your injuries.
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Giving Any Verbal or Written Statement
Just as indicated above anything you say can be used against you, even if it is verbal or written. Try to avoid talking to a Geico insurance adjuster regarding what you were doing before the accident, how the accident happened, your medical diagnosis, your medical treatment, your medical expenses so far, the time you have already missed from work, and how your injuries have affected your daily activities. While you may feel you are telling your side of the story, any of these statements can easily be taken out of context and used against you later in your lawsuit to prevent you from receiving the compensation you deserve.
You Are Unsure of Your Total Damages
If you were just in a car accident, you are likely overwhelmed, frightened, confused, and still hurting from your injuries. You genuinely have no idea how these injuries will impact your future, including your ability to work. Future medical expenses, physical therapy, inability to work, and pain and suffering are simply incalculable at the beginning stages after a car accident. However, the amounts of these damages will be what you are looking for in terms of compensation for the car accident due to someone else’s negligence.
Geico, and other insurance companies, will want you to quantify your damages and establish a financial number as soon as possible. This amount will likely be much less than what your damages will ultimately become. If an insurance company can pressure you to give a total amount of damages early, they can then pressure you to accept minimal compensation for your injuries. Always make sure you have received clearance from a medical professional that you are completely healed before you even consider accepting Geico’s compensation offer.
Geico Business Information
If you do decide to visit with Geico, here is some information that may help you.
- You are able to report a claim 24 hours a day, 7 days a week.
- All of their insurance adjusters are available from 9 am to 5 pm.
- Geico also has after-hours claim adjusters, and they are usually available to visit with regarding a car insurance claim.
- Anyone can check the status of a car insurance claim on Geico’s website.
- Geico actually has several different companies with similar names. Ensure that you are visiting with the correct Geico entity.
- Geico may attempt to offer pre-suit mediation.
- Geico’s “top” settlement offer, is rarely their final settlement offer.
Knowing this information can help you if you decide to speak with a Geico insurance adjuster. We can help you negotiate a settlement with Geico if you have been injured in a car accident in Florida.
Contact a Geico Car Accident Claims Injury Lawyer in Florida
Geico is a challenging company to work with if the other driver was at fault and carries Geico as their insurance. Geico’s first settlement offers are typically low, and you may have to file a personal injury lawsuit in order to make sure that you get the compensation you are truly owed. It is not always possible to resolve a personal injury case through negotiation with insurance companies. When Geico refuses proper payment for your personal injury, visiting with a Geico car insurance claims injury lawyer at Chalik and Chalik Injury Lawyers can help you prepare and file a complaint about your personal injuries in a timely manner so that you can get the compensation you deserve.
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