How to Negotiate a Car Accident Injury Claim with GEICO Insurance | Colorado Springs Injury Lawyers

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GEICO Insurance is one of the largest insurance companies in the United States, so if you have been injured in a car accident it is likely that the other driver is insured by GEICO. When contacting GEICO to file your claim, there are some important things you should be aware of before you begin negotiation process. One very important thing to remember is that GEICO is a company. Their main goal is to make a profit. For an insurance company to make a profit they must take more money in premium payments than they payout in claims settlements.

It is important to be adequately prepared as the negotiation process can likely be dragged out by GEICO.  Understanding that GEICO’s main objective is to resolve your claim for as little money as possible, you should prepare yourself before your first interaction so you can achieve the most equitable result. The more prepared you are for the negotiation process, the more likely it is that you receive the result you’re looking for.

If you or a loved one has been injured in a car accident, call Zinda Law Group at (800) 863-5312 for a 100% free case evaluation with our Colorado Springs car accident lawyers.

Filing a Claim with GEICO

It is important to file your claim with GEICO as soon after the accident as possible. GEICO has an easy to use system when filing a claim that allows you to do it entirely online through its website. You can also call GEICO directly to file your claim at 1-800-861-8380.

When contacting GEICO you will speak to a claims adjuster. A claims adjuster is an insurance agent who calculates the payment that you should receive after you have made a claim on an insurance policy. GEICO claims adjusters gather information to make this calculation in several ways, including reports from police and witnesses, medical bills, and automotive repair estimates.

Negotiating Your Claim with GEICO

  • Keep a record – Throughout the entire negotiation process it is important to keep a complete record of every document you receive and every conversation you have. Keep all receipts you receive from auto repair shops, keep a record of any medical expenses you accrue, take notes when speaking with the claims adjusters, etc. By keeping a thorough record, you can better create a strategy for the negotiation process.
  • Know how low you will go – Know the lowest number you are willing to accept. Calculate this number before negotiations so you can prepare a strategy for the entire process. Be fair when selecting this number. Choosing too high may hinder you throughout negotiations. And remember, keep this number to yourself
  • Be professional – During the negotiation process, you want to be taken seriously. Even though this process may become frustrating, it is important to stay calm and collected, as you do not want to give anything up when dealing with a claims adjuster.

The Benefits of Hiring a Lawyer

Even if you decide to represent yourself when negotiating with GEICO, it still may be beneficial to contact a lawyer who has been through this exact process in the past.

By speaking with a qualified personal injury lawyer, you can make sure all of your bases are covered. Although insurance companies may never admit it, they truly interact differently with lawyers. By consulting a lawyer, you may be better prepared to deal with GEICO when negotiating your claim.


At Zinda Law Group, our Colorado Springs car accident attorneys have helped thousands of victims get their lives back on track after suffering an injury. We have the knowledge and resources necessary to help you build the strongest claim possible and pursue maximum compensation for hospital bills, future medical costs, property damage, lost income, pain and suffering, and much more.

Our firm also believes an injury victim should never have to worry about being able to afford excellent legal representation. That is why we offer 100% free consultations, and why you pay nothing unless we achieve a favorable settlement, judgment, or verdict for your case. That’s our No Fee Guarantee.

If you have been injured in a car accident, call Zinda Law Group at (800) 863-5312 to receive your free consultation with one of our experienced car accident lawyers in Colorado Springs.

Meetings with attorneys by appointment only.

Recommended Reading:

What If I’m Injured in a Car Accident but Don’t Have Medical Insurance?
5 Things to Never Say about an Injury Claim to an Insurance Company
3 Steps of the Insurance Negotiation Process for Injury Claims