Workman Car Accident & Personal Injury Lawyers | September 17, 2025 | Car Accidents
GEICO is one of the largest car insurance companies in the country, insuring millions of drivers. If you’re involved in a car accident with a GEICO policyholder, or if GEICO is your insurer, you may think filing a claim will be straightforward. Unfortunately, that’s not always the case.
GEICO adjusters are trained to protect the company’s bottom line, not to make sure you’re fully compensated. Understanding how GEICO handles accident claims can help you avoid mistakes and strengthen your case.
How GEICO Handles Accident Claims
GEICO processes thousands of accident claims every day. When you file, an adjuster is assigned to investigate. Their job is to review police reports, inspect vehicle damage, gather medical records, and talk to witnesses. While this may sound like they’re helping you, the reality is that adjusters often look for ways to minimize what GEICO has to pay.
For example, they may:
- Dispute liability and try to place some blame on you
- Question whether your injuries were truly caused by the accident
- Push you to accept a quick settlement before you know the full extent of your damages
Because of these tactics, it’s important not to rush into an agreement without knowing what your case is worth.
Common Tactics Used by GEICO Adjusters
Many accident victims are surprised at how aggressive GEICO adjusters can be.
Their strategies often include:
- Offering lowball settlements quickly, hoping you’ll accept before medical bills pile up
- Requesting a recorded statement and using your words against you
- Delaying the claim process to pressure you into accepting less
- Downplaying the seriousness of your injuries or treatment
- Arguing that certain medical care was unnecessary
These tactics are designed to save GEICO money. Recognizing them early can help you stay one step ahead.
What Damages Can You Recover After a Car Accident?
If you’re hurt in an accident in Florida, you may be entitled to several types of compensation. Florida follows a no-fault insurance system, meaning your Personal Injury Protection (PIP) coverage pays for medical expenses and lost wages up to $10,000, regardless of fault.
If your injuries are serious enough to step outside the no-fault system, you can pursue additional damages against the at-fault driver.
These may include:
- Medical expenses beyond PIP coverage
- Full lost wages and loss of future earning capacity
- Pain and suffering
- Emotional distress
- Loss of enjoyment of life
Because GEICO often tries to undervalue claims, knowing what’s available under Florida law is essential.
Why Quick Settlements Are Risky
After a crash, it can be tempting to take the first settlement offered. GEICO knows this and may dangle a check to cover your immediate bills. But once you accept, you usually cannot go back and ask for more—even if your injuries turn out to be worse than expected.
Injuries like concussions, back problems, or internal damage may not appear right away. Settling too soon can leave you paying out-of-pocket for long-term care. That’s why it’s important to fully understand the extent of your injuries before resolving your claim.
How to Protect Yourself When Dealing With GEICO
If you’re handling a GEICO accident claim, these steps can help you avoid common pitfalls:
- Do not give a recorded statement without legal advice
- Keep copies of all medical records, bills, and receipts
- Document your injuries with photos and a journal
- Get repair estimates from independent shops, not just GEICO’s preferred providers
- Consult with a lawyer before accepting any settlement offer
By taking these precautions, you increase your chances of receiving fair compensation.
Florida Law and Car Accident Claims
Florida has unique rules that affect GEICO claims, for example:
- No-fault rule: PIP pays up to $10,000, but only if you seek treatment within 14 days.
- Serious injury threshold: To sue the at-fault driver, your injuries must be permanent or significant.
- Statute of limitations: In Florida, you generally have two years from the accident date to file a lawsuit.
Understanding these deadlines and requirements ensures you don’t lose your right to compensation.
The Role of Evidence in GEICO Claims
GEICO adjusters often claim there isn’t enough proof to support the damages you’re seeking. Building strong evidence from the start is key. This may include medical reports, police records, photos of the scene, and witness statements.
Even social media posts can play a role. GEICO adjusters may review your online activity and use it against you, so it’s best to stay cautious about what you share after a crash.
Why Legal Representation Makes a Difference
Fighting a large insurer like GEICO on your own can be overwhelming. Their adjusters handle claims daily and know how to push for the smallest payout possible. Having an experienced car accident lawyer on your side levels the playing field.
A lawyer can calculate the true value of your claim, negotiate with adjusters, and take your case to court if necessary. With legal help, you don’t have to face GEICO’s tactics alone.
Contact the Fort Lauderdale Car Accident Lawyers at Workman Car Accident & Personal Injury Lawyers for Help Today
Dealing with GEICO after a car accident can be frustrating and stressful. You deserve someone on your side who understands their tactics and knows how to fight back. At Workman Car Accident & Personal Injury Lawyers, we have the experience and dedication to help you pursue the compensation you need.
For more information, please contact an experienced car accident lawyer at Workman Car Accident & Personal Injury Lawyers for a free consultation.
We proudly serve Fort Lauderdale, Clermont, and its surrounding areas:
Workman Car Accident & Personal Injury Lawyers
633 S Andrews Ave Ste 401, Fort Lauderdale, FL 33301
(954) 361-3997
Workman Car Accident & Personal Injury Lawyers
1655 E Hwy 50 ste 316, Clermont, FL 34711
(352) 77-33866