How does the auto insurance claims process differ for uninsured/underinsured motorist coverage with Geico?

If you hit an uninsured driver, how Geico will handle your claim depends on whether you have uninsured/underinsured motorist coverage in place.

The laws surrounding uninsured drivers differ by state, but if you have the proper coverage, the claims process works similarly to how it does for other accident claims.

In this article, we go into more detail on how the auto insurance claims process will differ for uninsured/underinsured motorist coverage with Geico.

How Geico Uninsured/Underinsured Motorist Coverage Works

Most major auto insurance companies offer uninsured or underinsured motorist coverage (UM/UIM). This extra coverage can cost as little as $5-$10 a month and save you a great deal of stress and expense if you have an accident with an uninsured driver.

Our Geico auto insurance review finds that the company offers UM/UIM as add-ons to your existing policy. These additional coverage options will protect you if you are in an accident caused by an uninsured driver or by a driver who has some liability insurance but not enough to cover your expenses after an accident.

With underinsured drivers, their policy will pay up to their policy limit before your underinsured motorist coverage kicks in.

Most auto insurance companies group underinsured and uninsured motorist coverage together, allowing you to purchase one policy that covers both.

Types of Geico UM/UIM Coverage

There are two types of uninsured motorist coverage available through Geico: uninsured motorist bodily injury coverage (UMBI) and uninsured motorist property damage coverage (UMPD).

UMBI typically provides compensation for medical or funeral expenses, loss of income, or pain and suffering. If your car is damaged by an uninsured driver, then UMPD will cover any repairs that need to be made to your vehicle.

How Geico Will Handle Uninsured/Underinsured Motorist Claims

Uninsured motorist coverage might be part of the auto insurance requirements in your state.

So if you are in a collision with an uninsured motorist, contact Geico with your claim, and they will assist you through the process for your state. Generally speaking, however, you will follow a similar process when filing a claim with Geico.

First, make sure to get all relevant information at the scene of the accident. This will include the date, time, and location of the collision, a description of what happened, the police report, and the other driver’s and witnesses’ information. Photographs of the vehicles involved and the scene of the accident are also helpful.

If no insurance information is available because it was a hit and run or the other driver is uninsured, then provide the rest of the information you have and let your Geico representative know that no insurance information is available.

If you have the plate number for the other driver, Geico can use that to find out if they have insurance and contact their insurance company.

From there, Geico will proceed with your claim according to the coverage you have. In some cases, your collision coverage can apply to any damage to your vehicle. However, it’s best to ensure you have uninsured/underinsured motorist coverage to guarantee you’ll be covered for all damages and injuries.

Read more:

• How long does it typically take for Geico to process an auto insurance claim?
• How do I file an auto insurance claim with Geico?
• What information do I need to file an auto insurance claim with Geico?
• Affordable Uninsured or Underinsured Auto Insurance Coverage

The Bottom Line on Geico Uninsured/Underinsured Motorist Coverage

How does the auto insurance claims process differ for uninsured/underinsured motorist coverage with Geico? Not by much. You must still follow the same steps in filing your claim after the accident and providing as much information as you can to your insurance company.

If you are in an accident with an uninsured/underinsured motorist, Geico’s process for handling your claim will depend on your state of residence.