• Filing your claim is fast and easy through the GEICO Mobile app or on geico.com.
• Provide your finance company’s contact information and your loan account number.

• Your Auto Damage Adjuster will contact you to review the settlement amount for your vehicle. You’ll need to accept the settlement before we can move forward.
• If you have rental coverage, your total amount of covered rental days may vary based on the circumstances of your claim.
• At this point, you can start looking for a new vehicle. Learn how GEICO could help you save.

• Go to your vehicle’s location and clear out all your personal belongings.
• Next, tell the storage facility that you give GEICO permission to move your vehicle.
• We’ll move the vehicle to a centralized lot for salvaged total loss vehicles.

• GEICO will issue payment up to the settlement amount directly to your lienholder.
• If your settlement amount is more than what you owe on your vehicle, GEICO will send the owner a payment for the difference, either digitally or by mail.
• If your settlement is less than what you owe, you’re responsible for the balance of your loan.

Leased

Bad drivers—you see them every day. The guy who’s paying more attention to his cell phone than the road, the lady who cuts you off without looking, the teen who’s fiddling with the radio dial.

You might not be able to avoid them, but you shouldn’t have to pay for their bad driving. Through payment recovery, GEICO makes every effort to ensure you don’t have to.

Let’s say your vehicle is damaged due to another driver’s negligence. Once GEICO settles your claim, we’ll likely seek to recover your deductible, as well as the amount we paid, from the negligent party or that party’s insurance company. In insurance lingo, this common process is known as payment recovery or subrogation.

How does payment recovery work?

When you have an accident, we will verify who is at fault. If the accident is the fault of the other driver, we will put a Payment Recovery Examiner on the case who will make sure that the other driver, or his or her insurance company, pays for the vehicle related damages. Plus, the examiner will keep you informed about the payment recovery process.

Your Payment Recovery Examiner will notify the negligent other party, or that party’s insurance company that we’re pursuing reimbursement on your behalf, and then he or she will follow up again, and again, and again–until you receive payment, or until all our efforts are completely exhausted.

In some situations, no matter how tenacious we are, we cannot recover the full amount we request. (Sometimes this happens because the other party involved disputes the cause of the accident or does not have insurance.) We can’t guarantee recovery of your full deductible, but rest assured that we make every effort to get you the maximum possible reimbursement.

How long does it take?

Payment recovery usually takes about six months, but sometimes it happens faster, depending on the circumstances. (GEICO claims are like snowflakes–they’re all unique.) Like most things in life, it works best when everyone plays nice and cooperates. If the other parties involved are uncooperative, recovery could take longer or we might not be able to recover anything at all.

No matter what happens, we can guarantee one thing: We will work as hard as possible, as long as possible on your behalf. When you work with GEICO, you’ve always got an ally.

How can I help speed the payment recovery process?

If you have an insurance claim in payment recovery, the most important thing to remember is this: Let us handle it!

You can help us out by following these guidelines:

• Refer any inquiries from the other parties involved to the GEICO representative handling your claim.
• Consult GEICO before making any statements or accepting any settlement offers. Not consulting us could jeopardize your claim.
• Be prepared to submit a cancelled check, credit card statement, body shop invoice, or other proof that you paid your deductible. GEICO will contact you if the other insurance company requests this information.
• Be prepared to submit a written or recorded statement about the facts of the accident. GEICO will contact you if the other insurance company requests this information.

Note: States have different rules regarding payment recovery, and some states do not allow payment recovery for some coverages. Check with the GEICO representative handling your claim if you would like more information.

Understanding Mechanical Breakdown Claims

If your vehicle is protected by GEICO’s Mechanical Breakdown Insurance (MBI), you’re covered for repairs (excluding maintenance or wear and tear) to all mechanical parts of the car. We realize how inconvenient it can be to have your vehicle out of service, so we strive to get you back on the road as soon as possible with a quality repair.

The following tips will help make your MBI claim experience quick and easy:

• DO NOT allow any repairs to begin until you obtain authorization from GEICO. If you fail to give GEICO the opportunity to investigate thoroughly before repairs begin, you may jeopardize your claim.
• You can report your MBI claim by calling us at (800) 443-7411 during the following hours:

• As you begin the reporting process, please make sure that you have as much information as possible available about your mechanical breakdown.
• Once you report the breakdown, one of our claim examiners will call you within 24 hours to explain the MBI claim process. This examiner will keep you informed throughout the repair process and will ensure that your vehicle is repaired properly.
• You may take your vehicle to the repair facility of your choice. Tell the repair facility that you have MBI and give them your GEICO policy number. Instruct them to call us at (800) 443-7411 with a diagnosis of the problem and a repair estimate before they begin to fix your vehicle.
• Once we hear from the repair facility, your examiner will determine if a physical inspection of the vehicle is necessary. Inspections usually occur within 24 hours.
• GEICO will pay the repair facility directly for covered claims. You will need to pay your $250 deductible directly to the repair facility.
• If your repair facility is unable to diagnose any mechanical failure with your vehicle, GEICO will not pay for any diagnostic fees.

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