We understand accidents happen suddenly. If you’re dealing with a car crash in California involving Geico insurance, here's what to do to protect your rights and make your claim go smoothly.
First, check if anyone’s hurt. If so, call 9‑1‑1 and get medical help right away. Even if injuries seem minor, prompt care helps your health and the claim. Next, call the police so you have an official report. That document often makes or breaks a claim.
Then contact Geico. Use their claims phone number, their app, or their online portal. When you do, be ready with your policy number, the date/time/place of the accident, names and info for everyone involved, witness contacts, and any photos you took.
Geico will assign an adjuster. They’ll investigate, get estimates, inspect damage, and review evidence including the police report. Be careful what you say during this process — statements matter. If the adjuster suggests using a repair shop from their network, that may speed things up. If you pick your own shop, confirm Geico accepts it under your policy.
Keep track of all medical treatment and expenses. Save invoices, doctor’s notes, bills. If you need a rental car or incur towing or storage costs, save those receipts too. Your policy determines what’s covered.
Sometimes Geico may deny a claim or assign fault differently than you expect. If that happens, you can appeal the decision, supply new evidence, or talk to a lawyer.
