Victor Waite | September 23, 2025 | Car Accidents Near Delray Beach, FL
Many drivers in Florida have Geico car accident insurance. This means that you could file a claim with Geico after a car crash, even if you don’t have Geico insurance or are a pedestrian. And since Florida is a no-fault insurance state, if you have Geico insurance, you will be filing a claim with the company, no matter who was at fault in the accident.
Before you file a claim with Geico, you should know the following secrets. This information can help you get the most out of your claim.
Geico Will Attempt To Deny Or Minimize Your Claim
Geico uses several tricks to limit the value of legitimate car insurance claims. First, it won’t always approve a settlement based on the actual value of your claim. Instead, it will likely try to offer a settlement based on “average values” or “market values.” This means that it will often significantly undervalue the amount you spent on medical care.
Second, Geico may try to delay your claim as long as possible. It may respond slowly to inquiries or continually ask you to provide more information. These delay tactics are designed to wear you out. The longer you have to wait for compensation, the more desperate you are likely to become. Eventually, you may be willing to accept a much lower settlement after enough delay.
Additionally, delays help Geico in another way. The statute of limitations for filing a lawsuit for car accidents in Florida is typically two years from the date of the accident. If you miss that deadline, you can’t take legal action against Geico. If that happens, they have no reason to deal with you in good faith or even to pay anything on your claim.
Geico’s Insurance Adjusters Will Try To Force You To Make A Statement
While car insurance adjusters may talk a good game, their job is to determine how to pay you as little as possible. This means that you need to be very careful when talking to an adjuster. You don’t want to say anything that might allow the adjuster to lower or deny your claim.
This is particularly important if you have suffered a catastrophic injury. When you are seriously injured in Florida, you become eligible to sidestep the no-fault insurance system and file a claim against the at-fault party. Insurance adjusters will often attempt to elicit admissions of fault from you so they can keep you from taking advantage of this system.
The best way to protect yourself from insurance adjusters is to avoid offering a recorded statement unless you have a lawyer present while making that statement.
Geico Is Not On Your Side
Geico is a multi-billion-dollar corporation. The purpose of every corporation is to make money for its investors. When you file an insurance claim with Geico, you are costing the corporation money. Therefore, the goal of Geico is to pay you as little compensation as possible.
Keep that in mind when filing a car accident claim. Regardless of what Geico employees or commercials tell you, the company is not on your side. By understanding the secrets of the company and taking appropriate measures like hiring an attorney, you should be able to get fair compensation after a car accident in Florida.
Contact A Delray Beach Car Accident Lawyer At The Injury Law Firm, PA For A Free Consultation
Dealing with Geico after a crash can feel overwhelming — especially if you’re hurt and bills are piling up. You don’t have to face their adjusters alone. If you’ve been injured in Delray Beach, and need legal help, contact our Delray Beach personal injury lawyers at The Injury Law Firm, PA to schedule a free consultation.
The Injury Law Firm, PA.
301 W. Atlantic Ave, Suite O-1, Delray Beach, FL 33444
(561) 800-4357
