Kibbey Wagner Injury & Car Accident Lawyers | March 18, 2025 | Florida Law
Were you recently involved in a car accident in Florida? If the at-fault driver has a GEICO policy—or if GEICO is your insurer—you might be unsure of what to do next. Although this is a big-name insurance company, it doesn’t automatically mean you’ll receive a fair settlement without effort. Insurance companies operate for profit, so they often attempt to minimize claims.
Below, we’ll share some guidance on how to manage GEICO after a crash. If you have questions or need further assistance, consider contacting an experienced Florida car accident lawyer for advice on your unique situation.
Florida’s No-Fault Insurance Rules
Florida has no-fault insurance rules for car accidents. This typically means you’ll first look to your personal injury protection (PIP) policy for coverage of your medical bills and lost wages, no matter who caused the accident. However, PIP benefits can be limited—especially if you face significant injuries and expenses.
You might need to pursue a third-party claim or personal injury lawsuit against the at-fault driver (and their insurer) if you meet Florida’s serious injury threshold or exhaust your PIP. When GEICO is involved, you’ll want to proceed carefully to protect your rights.
What To Do After a Florida Car Accident
After a collision, the choices you make can affect your insurance claim. Here’s what you should keep in mind:
- Call 911 and get help: Alert law enforcement of the accident right away. An official police report can help prove fault or contradict inaccurate accounts of what happened.
- Exchange details: Swap contact and insurance information with any other drivers involved. If GEICO covers them, make a note of their policy details.
- Collect evidence if it’s safe: Try to take photos of vehicle damage, road conditions, or visible injuries. Gather contact info from any witnesses.
- Seek medical attention: Even if you’re unsure how badly you’re hurt, get checked out promptly. Florida’s PIP coverage generally requires timely treatment, and medical records can support your claim.
- Notify your insurer: File a claim with your own insurance company, including if you have PIP. They might later pursue reimbursement from GEICO if the other driver was at fault.
- Contact a lawyer: A car accident attorney can help you navigate Florida’s no-fault rules and negotiate with insurers on your behalf.
It’s best to be careful when dealing with any insurance company, including GEICO, after an accident. They do not have your best interest in mind.
Communicating With GEICO
If GEICO represents the other driver or you’re filing an underinsured/uninsured claim through your own GEICO policy, you’ll likely speak with one of their adjusters. Keep these points in mind:
- Don’t admit blame: Stick to the facts. Offering unnecessary information or suggesting you share fault can jeopardize your claim.
- Document everything: Keep written records of phone calls, letters, or emails. Save all medical bills and repair estimates.
- Be cautious of recorded statements: The adjuster may ask to record a statement. Politely decline until you’ve spoken to a lawyer to ensure you don’t say anything that could be used against you.
- Beware early, low settlement offers: Insurers might propose an amount that’s less than what you truly need. Consult an attorney before finalizing any agreement or signing a release of claims.
A trusted lawyer can make a huge difference in the outcome of your case. Ideally, they would handle all of your communications with the insurance company while you focus on your recovery.
Contact Kibbey Wagner Injury & Car Accident Lawyers For Help Today
Handling GEICO after a Florida accident can be stressful, particularly if your injuries are severe or the other driver won’t accept liability. An attorney experienced in local auto insurance laws can represent your interests, handle communications with the insurer, and push for a settlement that reflects all of your damages.
For more information, please contact the Stuart, Port St. Lucie, or Palm Beach Gardens personal injury law firm of Kibbey Wagner Injury & Car Accident Lawyers to schedule a free consultation today.
We proudly serve Martin County, St. Lucie County, Palm Beach County, and its surrounding areas in Florida:
Kibbey Wagner Injury & Car Accident Lawyers Stuart
73 SW Flagler Ave
Stuart, FL 34994
(772) 444-7000
Kibbey Wagner Injury & Car Accident Lawyers Port St. Lucie
1100 SW St. Lucie West Blvd. Ste 202
Port St Lucie, FL 34986
(772) 247-3374
Kibbey Wagner Injury & Car Accident Lawyers Palm Beach Gardens
300 Avenue of the Champions Ste 220
Palm Beach Gardens, FL 33418
(561) 944-4000
