GEICO was once a better insurance company to deal with as a victim of a car accident. Their adjusters had more authority to settle and their average settlements were much higher. If the driver who caused your car accident didn't pay their insurance premiums or was driving someone else's vehicle without their permission, GEICO may not extend their car insurance coverage to cover the loss. With GEICO's unique business model, which initially only insured lower-risk drivers and operated without insurance agents, it has proven to be Warren Buffet's best investment.
Of course, you'll definitely need an attorney if you decide to sue the GEICO insured responsible for causing your accident. The reason for the exclusion from the family car insurance policy in Ohio is to avoid fraudulent or collusive intra-family claims for insurance benefits. GEICO insurance adjusters enter several auto insurance claim factors into their claims software and the software will indicate a settlement range at which the adjuster can resolve the claim. If GEICO is the at-fault party's insurance company, you should NEVER give them a recorded statement.
You may not be able to obtain the fair value of your personal injury claim unless you can exert substantial pressure, through a lawsuit, against the GEICO insured. If you only have property damage and aren't injured, you probably don't need an attorney to process your GEICO insurance claim. However, GEICO tends to issue smaller policies, and very few of its policyholders have a general policy to cover major losses. Coverage issues arise very frequently in cases against atypical insurance companies, such as Fred Loya, American Access Casualty Company, National General, or United Auto Insurance Company.
GEICO generally won't use unethical techniques to avoid paying a claim, as these insurance companies do. GEICO insurance adjusters will only classify your case as a soft tissue injury case if you only present evidence of minimal treatment in the emergency room or at a chiropractor. If you've researched the ins and outs of car insurance policies, you'll know that they're complex documents that are difficult to understand. GEICO insurance adjusters will always analyze the property damage of all vehicles involved to see if there was an injury mechanism.
It states that a family member, or any person related to an insured person by blood, marriage or adoption, who resides in the same household, cannot file a claim or lawsuit against another member of the family who may be held responsible for an accident in which they are a passenger in the insured vehicle.