geico insures millions of vehicles nationwide, including many in new york. It should come as no surprise that accidents in New York frequently involve vehicles with Geico insurance policies.
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If you’ve been injured in a crash, you don’t have to file an insurance claim on your own. Whether you’re filing a claim on your policy or another driver’s insurance, an attorney could help you understand the basics involved with New York Geico auto insurance claims.
filing an insurance claim with geico
You have different options for filing an auto insurance claim with Geico. Many insurance companies have moved to receive the majority of their insurance claims online, and Geico is no different. Geico provides the ability to file a claim on their website after registering an account. In addition to filing online, there is also an option to file over the phone.
If Geico is your carrier, you must notify them of an accident. you also have the opportunity to file a claim at the same time. If Geico insures the other driver involved in the accident, an adjuster may contact you before you have a chance to file a claim.
When the other driver’s insurance company calls, it’s usually to take a recorded statement about the accident. You are not required to give a statement to the other driver’s carrier, and doing so may not be in your best interest. your attorney could talk to geico so you don’t have to.
For a free legal consultation, call (212) 540-2981
what to expect from your geico claim
The benefits available through one geico claim may be very different from the next. Geico offers a variety of auto insurance options, and different types of policies may provide different benefits.
Searching for insurance benefits after a car accident can be especially complex in New York. Unlike most states, New York is considered a “no-fault” jurisdiction. With this type of insurance system, you usually have to file an insurance claim with your own policy first when you have an accident.
This is different from most states which allow you to file a lawsuit when you are injured in an accident by another driver. In New York, it is only possible to file a liability claim on another driver’s policy if he can prove that he has suffered serious injuries, according to the New York State Department of Financial Services.
filing a claim on your own policy
There are positives and negatives when it comes to filing “no-fault” insurance claims on your geico policy. The main benefit that comes with these claims is that you could receive benefits regardless of who was at fault in the accident. these benefits are generally paid quickly since liability is not up for debate.
While a no-fault insurance claim can be beneficial in some ways, it also has some drawbacks. Compared to a liability claim, the benefits available through no-fault insurance are limited.
When you file a claim on your own policy, you may be able to recover benefits for your medical expenses. These policies also cover other expenses such as lost wages. however, you could lose most non-economic damages, including your pain and suffering.
filing a liability claim against geico
Benefits available through liability insurance claims cover types of damage not available with no-fault claims. If your liability claim on the other driver’s geico policy is successful, you could recover more than just your medical costs and lost wages.
The main difference with this type of claim is that non-economic damages may be available. the most common example of non-economic damages is pain and suffering. Other types of non-economic damages that may be available to you include mental anguish or disfigurement.
insurance claims negotiations
If you’ve never been involved in an accident before, it’s understandable if you’re not familiar with the claims settlement process. These negotiations can be challenging when handled independently, as the insurance adjuster may try to avoid paying you what your claim is really worth.
Insurance adjusters who work for Geico may use high-pressure tactics to get you to accept a settlement offer that is not in your best interest. these adjusters may mislead you about the benefits of resolving your case quickly.
you don’t have to accept geico’s first offer
One of the tools that adjusters often rely on is the low cost offer. These adjusters take advantage of the tendency of injury victims to accept the first offer the insurance company makes. Some people don’t realize they have the right to deal with Geico, even if Geico is their own insurance company.
Most of the time, the first offer your insurance company makes will be excessively low. Accepting this offer without careful consideration could leave you without the long-term financial support you need to treat your injuries.
Before you accept Geico’s initial offer, you may want to retain an attorney. His legal counsel might be able to help you assess the strength of Geico’s offer to make sure he doesn’t agree to an unreasonably low deal.
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let an attorney help you with your geico insurance claim
Navigating an auto insurance claim can be difficult, even if this is not your first car accident. insurance adjusters have developed a reputation for aggressively pushing improper settlement offers. Without a personal injury attorney by your side, dealing with geico auto insurance claims in new york on your own could jeopardize your financial recovery.
the attorneys at dansker & Aspromonte Associates is prepared to advocate for you after your accident. Our attorneys are experienced in settling accident claims with insurance companies and are ready to deal with Geico on your behalf. Before dealing with Geico on your own after an accident, contact our firm for your free consultation.
call or text (212) 540-2981 or fill out a free case evaluation form