![]() If GEICO determined that someone else caused the accident, GEICO would work with the other driver’s insurer to try to get you paid. If GEICO determined that you caused the accident, it would pay your claim as well as the claims of any third parties that were injured in the accident. Again, GEICO would assign the claim to an adjuster. If GEICO issued your insurance policy, you could file a claim with GEICO. If GEICO’s insured was found to have caused the accident, the claim adjuster would make an offer to settle the claim. GEICO would assign the claim to an adjuster to determine fault. If GEICO insured the at-fault driver, you could file a claim with GEICO. If you were involved in a car accident, you would file a claim with GEICO under two circumstances: The At-Fault Driver’s Policy Was Issued By GEICO The at-fault driver would need to pay any damages that exceeded the insurance policy limits. The injured parties could sue the at-fault driver. If a driver causes a multi-vehicle accident or an accident results in severe trauma - such as brain injuries - the damages might exceed the minimum coverage. Many people choose to buy a greater amount of liability insurance than the minimum legal requirement. ![]() ![]() The minimum bodily injury insurance policy sold in Texas covers $30,000 per person for injuries and is capped at $60,000 per accident. Texas requires all drivers to purchase liability insurance. This means the driver who caused the accident has legal liability for the injuries and property damage that result from an accident. ![]()
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