Idaho GEICO Insurance Lawyer
Experienced Injury Lawyer Representing You Throughout Your GEICO Insurance Claim
In the moments following a car accident in Idaho, your mind may be flooded with questions, ranging from whether or not everyone in your vehicle is okay to what the extent of damage to your car is to whether or not your insurance company will pay for it. Indeed, even if injuries and damages are serious, most people take initial comfort in the belief that if they carry car insurance, such as auto insurance offered by GEICO–one of the more popular car insurance companies in Idaho and nationwide–their car insurance company will pay for their injuries and damages in full. Unfortunately, it doesn’t always work this way – filing a claim can be a complicated process, and the smallest of error could put the amount that you’re able to receive from your GEICO policy in jeopardy. What’s more, even when you do everything right, your GEICO insurance adjuster (or the insurance adjuster of the policy held by the at-fault driver) may offer you less than you deserve.
At the office of Hansen Injury Law, our GEICO insurance lawyers in ID can help you to navigate the claims process and understand the best practices for getting the settlement you deserve.
Filing a Claim after a Crash – Speaking with Your GEICO Insurance Adjuster
After a crash has occurred, it is important to notify your GEICO insurance agent about the crash as soon as possible; waiting too long to report your accident could be the first mistake, as if you wait too long, GEICO may deny your claim outright.
When you speak to your GEICO insurance adjuster, you should focus on only reporting the facts. This means that you should not offer any additional information about what you feel (such as feeling sorry that the crash occurred, which could be misconstrued as an admission of fault), or what you think may have happened (i.e. you could have been speeding, but you’re not sure). If you don’t know the answer to a question, just say that you don’t know. Remember that even if you are planning on filing a claim with the other driver’s insurance company, whether that insurance company is GEICO or not, you still need to let your own insurance adjuster know that the crash occurred.
Who’s Responsible for Paying for Your Crash?
If you’re a responsible driver, you’ve surely carried the mandatory car insurance types, which include bodily injury liability coverage, property damage liability coverage, uninsured motorist coverage, and underinsured motorist coverage (the latter two may be rejected). Optional coverage types in Idaho include medical payments coverage, personal injury protection coverage, and collision and comprehensive coverage. However, even if you have selected additional insurance types and paid your premiums in full and on time, your insurance company may not be eager to pay for your damages.
And because Idaho is an at-fault state, your insurance company may not have to pay for damages if you were the party that caused the accident and the other party did not sustain any damages, or if the other party was at fault for the crash and you do not carry optional auto insurance types. Your GEICO policy will be responsible for paying for your damages if the other driver was uninsured/underinsured, or if you carry the applicable coverage types.
Your GEICO policy will be responsible for paying for the damages to the other driver when you carry mandatory insurance types and you were at fault for the crash.
If the other driver was at fault for the crash, their insurance company will be responsible for paying for your damages.
How to Negotiate Your Claim with a GEICO Insurance Adjuster
If you have suffered damages, you deserve to be compensated, whether through your own insurance company or the insurance company of the other driver. If you are negotiating your claim with a GEICO insurance adjuster, our law firm can help. Here are a few things you should know:
- When you file a claim, an adjuster will be assigned to your case. An adjuster is responsible for determining what your claim is worth.
- In order to determine the value of your claim, the insurance adjuster will gather evidence, such as proof of fault or an official estimate regarding the costs of repairs.
- While it may seem as though a GEICO insurance adjuster is on your side, the job of an adjuster is to save the insurance company for which they work as much money as possible, which means paying you as little as possible.
- There are many things that can affect whether or not an insurance adjuster denies or lowballs your claim, such as an error made during the claim process on your part, evidence of your fault, disputes about the extent of your injuries, or even part of an illegal act to simply pay you less than you deserve.
- After an insurance adjuster has decided what your claim is worth, they will offer you a settlement offer. You have the right to reject this offer and negotiate for a settlement that addresses your losses.
- The settlement process can take weeks, and may involve a lot of back and forth between you and your attorney and the insurance company. Working with an attorney who a) knows what your claim is really worth and b) is a skilled negotiator can make a world of difference.
Our ID GEICO Insurance Lawyers Have the Experience You’re Looking for
If you have been involved in a crash and carry GEICO auto insurance, or are filing a claim under the GEICO policy of the at-fault driver, our Idaho GEICO insurance lawyers understand the complicated nature of filing a successful claim and reaching a fair settlement through effective negotiation. If you need guidance and advice when pursuing damages via a GEICO auto insurance policy, call our law offices today. At Hansen Injury Law, we care about you, and will give your case the attention it deserves!