Government Employees Insurance Company (GEICO) is one of the largest auto insurers in the United States. While GEICO advertises fast and easy claims handling, the reality after a serious car accident can be very different — especially in Florida.
If you were injured in a car accident involving a GEICO policy, the Law Offices of Robert Dixon provides experienced legal representation to protect your rights and maximize your recovery. We represent accident victims throughout Miami, Orlando, West Palm Beach, and Fort Lauderdale, as well as across South Florida.
Insurance companies have teams of adjusters and defense attorneys working to minimize payouts. You deserve a law firm that understands Florida personal injury law and knows how to deal with GEICO’s claim tactics.
📞 Contact us today for a free consultation.
How GEICO Car Insurance Claims Work in Florida
Florida is a No-Fault insurance state. This means: Your own insurance (PIP) pays first — regardless of who caused the accident.
However, understanding your Florida insurance claim coverage options is critical before accepting any settlement offer.
When Can You Sue Beyond PIP in Florida?
You may step outside the no-fault system and file a bodily injury claim if you suffer:
- Significant and permanent loss of bodily function
- Permanent injury
- Significant scarring or disfigurement
- Death
In these situations, working with an experienced Florida car accident lawyer becomes critical to protect your right to full compensation.
Florida’s 2-Year Statute of Limitations (Updated Law)
As of 2023, Florida reduced the statute of limitations for negligence-based personal injury claims from four years to two years.
If you fail to file your lawsuit within two years from the date of the accident, you may permanently lose your right to recover compensation.
Modified Comparative Negligence – The 51% Rule
Florida now follows a Modified Comparative Negligence Rule (51% Bar Rule):
- If you are more than 50% at fault → you cannot recover damages.
- If you are 50% or less at fault → your compensation is reduced by your percentage of fault.
- Insurance adjusters often try to shift blame to reduce payouts. Our firm aggressively challenges unfair fault determinations.
Common GEICO Claim Tactics
While adjusters may appear cooperative, their goal is cost containment. Some common tactics include:
- Offering quick low settlements
- Disputing medical necessity
- Reducing bills to “usual and customary” rates
- Delaying claim processing
- Requesting recorded statements to use against you
Under Florida’s Unfair Claim Settlement Practices Act, insurers cannot act in bad faith. However, proving bad faith can be complex without legal representation.
Types of Compensation Available
Depending on your case, you may be entitled to:
- Medical expenses (past and future)
- Lost wages
- Loss of earning capacity
- Pain and suffering
- Property damage
- Wrongful death damages (if applicable)
Why Choose The Law Offices of Robert Dixon?
We understand GEICO’s claim procedures and negotiation strategies. We work on a contingency fee basis — meaning you pay nothing unless we recover compensation.
When you hire our firm, you get:
✔ Direct communication with your attorney
✔ Strategic negotiation with insurers
✔ Trial-ready case preparation
✔ Personalized legal support
FAQ About GEICO Claims in Florida
- Should I give GEICO a recorded statement?
Not before speaking to an attorney. Statements can be used to reduce or deny your claim.
- How long does a GEICO claim take?
Simple PIP claims may resolve quickly, but bodily injury claims can take months depending on severity and liability disputes.
- Can GEICO deny my claim?
Yes — if they argue lack of coverage, late treatment, or dispute liability. An attorney can challenge wrongful denials.
- What if the at-fault driver has a GEICO policy?
You can file a third-party bodily injury claim against their coverage.
Speak With a Florida Car Accident Lawyer Today
Before accepting any settlement from GEICO, understand your rights under Florida law.
If you were injured in Miami, Orlando, West Palm Beach, or Fort Lauderdale, contact the Law Offices of Robert Dixon today for a free consultation.
