In Florida, Geico insures for cars, motorcycles, boats, ATVs, homes, condos, RVs, boats, jet skis, Waverunners, Sea-Doos, mobile homes, business trucks and businesses.
They insure much more as well.
GEICO Drivers Usually Have Bodily Injury Liability (BIL) Insurance
For the past 16 years, I have represented people injured in car accidents. During that time, I have only had a couple of cases where a driver insured with GEICO did not have BIL insurance.
1 in 5 Cars with BI Are Insured With GEICO in Florida
Generally speaking, there is a 1 in 5 chance that if you hit with by a private passenger car that has BI liability insurance, you’ll be dealing with GEICO.
Most GEICO Policies I’ve Seen Have 10/20 BI
I mostly see $10,000 per person/$20,000 per accident bodily injury (“BI”) liability insurance with drivers insured by GEICO.
I’ve Also Seen GEICO policies up to $300,000 BI
I have settled Florida personal injury cases with GEICO where the limits were $10,000, $20,000, $30,000, $50,000 and $100,000 and $300,000.
That being said, I rarely see GEICO policies with more than $100,000 in BI liability coverage.
GEICO Has 5 or so BI Field Adjusters in Florida
If you have a case that is worth much more than the BI limits, GEICO may hand deliver the check.
Higher Chance You’ll Qualify for UM Insurance
You have a higher chance of qualifying for uninsured motorist (“UM”) insurance through GEICO in accident. This is because GEICO is more likely to sell UM insurance than smaller car insurance companies.
Can Report a Claim 24/7 With GEICO
GEICO can be reached any time, day or night, any day of the year. This is true for calling in a new auto injury claim.
GEICO claims adjusters available 9 to 5
Once an injury claim has been set up, GEICO adjusters are available during normal business hours (9 a.m. to 5 p.m.)
GEICO Has After Hours Claims Adjusters
You can also speak with a GEICO claims adjuster after hours.
GEICO Adjusters are Usually Available
GEICO is more responsive than many other Florida auto insurers. This means that it is easier to get a GEICO injury liability adjuster on the phone.
Contacting GEICO for a Florida injury claim
GEICO’s current address for Florida claims can be found here. For PIP claims, send any written letters to the current Personal Injury Protection (Auto-PIP) contact. Currently it is:
Attn: BI liability claims
PO Box 9091
Macon GA 31208
You can also send bodily injury claim information to that address as well.
Geico’s email address for Florida claims is flclaims@geico.com.
Slim Chance GEICO Goes Broke
GEICO is financially stable.
They claim to have a solid reputation. They are referring to both financial strength and customer satisfaction.
However, financial strength does not mean that they will pay fair value for a claim. The cases in this article are not mine unless I say that they are.
GEICO May Offer Presuit Mediation
To GEICO’s credit, they have offered pre-suit mediation in the past two cases that I have had with them. I accept pre-suit mediation if GEICO offers it.
Don’t Believe GEICO’s “Top Offer”
I was disappointed in another case that I have where Geico’s final offer – prior to me sending them MRI films – was $10,000 even though their insured driver received a ticket for failure to yield right of way.
My client, a man in his early twenties, was diagnosed with knee injury (a tear of his meniscus) and herniated disc.
This $10,000 offer is less than the amount that I use as a starting point for the full value of the pain and suffering component of a herniated disc settlement. That does not factor in the medical bills.
The claims adjuster told me that $10,000 was his final offer. I told him it was unacceptable. That case later settled for $100,000.
The moral of the story is do not always believe a claims adjuster when they tell you that they are giving you their “top offer.”
Back in 2005, I used to like it when I drew Geico in a personal injury claim. Then they got terrible for a while.
Lately, Geico has become worse in terms of paying bodily injury (BI) claims. Do not feel bad making an injury claim against Geico. GEICO made $587 million in profit in 2011.
Lawsuit Claimed that GEICO Undervalued Claims
Anyone Can Check Claims Status on GEICO’s Website
GEICO’s website let’s anyone – who has a claim with GEICO – check the status of the claim. A user needs a claim number as well as some other basic information.
I have not seen the information you have access to once you enter the relevant information. I’m curious to know how it looks.
GEICO Is Below Average at Paying Injury Claims
Geico has a reputation for offering a below average amount to settle Florida injury cases.
GEICO Motorcycle Accident Claims in Florida
GEICO insures most kinds of motorcycles: sport bikes, cruisers, touring bikes, Enduros, scooters, dirt bikes, trikes and some custom bikes. GEICO offers the following types of coverage in a motorcycle insurance policy:
- BI liability coverage. Optional coverage in Florida.
- Medical payments (“Medpay”) coverage. Optional in Florida.
- Uninsured motorist coverage. Optional in Florida.
GEICO Indemnity Company underwrites GEICO Motorcycle insurance.
ATV accident claims with GEICO in Florida
Geico insures ATVs in Florida. Some of the coverages that GEICO offers are:
- BI liability coverage. It’s Optional coverage in Florida.
- Medical payments (“Medpay”). Optional in Florida.
- Uninsured motorist coverage.
ATV Policy May Exclude Young Drivers
The ATV owner’s younger drivers in his or her family may not be covered while driving or riding an ATV. On the other hand, they may be covered. Many ATV policies exclude young drivers.
GEICO Indemnity Company underwrites GEICO Motorcycle insurance. GEICO insures all terrain vehicles and most UTV makes and models.
They do not insure three, six or eight wheelers or ATVs/UTVs with less than 150 cc’s.
Property and Casualty
Other Private Passenger Auto Liability
Geico General Insurance Company was the second largest private passenger auto liability insurer in Florida. The written premiums were $736,436,124.
Their market share was 10.1%. “Market Share” is the company’s direct written premium relative to the industry for a given line of insurance. The report expresses this ratio as a percentage.
GEICO General also insures Homeowners, Ocean Marine, Business liability and business auto liability.
The 2014 Florida Office of Insurance Regulation Annual Report states that GEICO Indemnity Company was the sixth largest private passenger auto liability insurer.
GEICO Indemnity Company’s written premiums were $276,976,721. It had 3.8% of the market share. Government Employees Insurance Company
Government Employees Insurance Company was the ninth largest insurer for private passenger auto liability in Florida. Its written premiums were $225,436,756. Its market share was 3.1%.
Why is it important to know the proper names for each GEICO company in Florida?
Sometimes GEICO will treat an accident victim unfairly. The injured person can file a consumer complaint with the Florida Department of Financial Services.
The victim may also file a civil remedy notice of insurer violation, against GEICO, with the Florida Department of Financial Services. In certain circumstances, a civil remedy notice may be particularly effective in a UM claim against GEICO.
The accident victim needs the correct GEICO entity name. This will prevent the department from rejecting the filing.
What Florida Defense attorneys does GEICO use for Florida personal injury cases?
GEICO generally uses house counsel to defend its cases. House counsel are paid by salary.
If GEICO faces potential bad faith exposure, it may refer the case out to a law firm that concentrates in defending bad faith cases.
Below are some attorneys that GEICO uses to defend its interests in Florida.
GEICO In-House Counsel
The are law firms that are employees of GEICO.
- Timothy W. Harrington, Miami
- Law Office of Ellen H. Ehrenpreis (Tampa, Florida)
- The Law Offices of Jeffrey R. Hickman (West Palm Beach, Florida)
Other defense lawyers that GEICO has hired
- Clark, Robb (GEICO hired them to help its insured complete a financial affidavit and additional coverage request.)
- Mitchell N. Silver and Melissa E. Morgan, of The Silver Law Firm, P.A., Longwood, Florida (GEICO Casualty Company v. Barber, Fla: Dist. Court of Appeals, 5th Dist. 2014)
- Shutts & Bowen (Frank A. Zacherl and Stephen T. Maher, Miami). Geico General Insurance Co. v. Rodriguez, 155 So.3d 1163 (Fla. 3rd DCA 2014).
Private Passenger Auto No-Fault (Personal Injury Protection)
Geico General Insurance Company was the second largest Florida private passenger No-Fault insurer. The written premiums were $371,694,276.
Their market share was 10.8%.
GEICO Indemnity Company was the 3rd largest Florida private passenger No-Fault insurer. Written premiums were 275,948,490. Market share was 8.0%.
Government Employees Insurance Company was the 8th largest insurer for private passenger No-Fault in Florida. Its written premiums were $97,800,641. Its market share was 2.8%.
Private Passenger Auto Physical Damage
Geico General Insurance Company was the second largest Florida private passenger auto physical damage insurer. The written premiums were $407,563,605.
Their market share was 12%.
GEICO Indemnity Company was the 4th largest Florida private passenger auto physical damage insurer. Written premiums were 190,739,721. Market share was 5.6%.
Government Employees Insurance Company was the 8th largest insurer for Florida private passenger auto physical damage insurer. Its written premiums were $97,800,641. Its market share was 2.8%.
Check out some GEICO car, truck and motorcycle accident settlements in Florida.
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