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GEICO Auto Insurance Claims in New York

By Dansker & Aspromonte

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GEICO insures millions of vehicles throughout the country, including many in New York. It should come as no surprise that accidents in New York frequently involve vehicles with GEICO insurance policies.

If you were injured in a collision, you do not have to pursue an insurance claim on your own. Whether you are filing a claim on your policy or another driver’s insurance, an attorney could help you understand the basics regarding GEICO auto insurance claims in New York.

Filing an Insurance Claim With GEICO

You have different options for filing an auto insurance claim with GEICO. Many insurance companies have moved toward receiving most of their insurance claims online, and GEICO is no different. GEICO provides the ability to file a claim on their website after registering an account. In addition to filing online, it is also an option to file over the phone.

If GEICO is your carrier, you must notify them of an accident. You also have the opportunity to file a claim at the same time. If GEICO insures the other driver involved in the accident, an adjuster could reach out to you before you have the opportunity to file a claim.

When the other driver’s insurance company reaches out, it is usually to take a recorded statement about the accident. You have no obligation to give the other driver’s carrier a statement, and doing so may not be in your best interest. Your attorney could speak with GEICO so you don’t have to.

For a free legal consultation, call (212) 732-2929

What to Expect From Your GEICO Claim

The benefits available through one GEICO claim might be very different from the next. GEICO offers a variety of auto insurance options, and different types of policies could provide different benefits.

Pursuing insurance benefits following a car accident can be especially complex in New York. Unlike most states, New York is considered a “no-fault” jurisdiction. With this type of insurance system, you must typically first file an insurance claim with your own policy when you are in an accident.

This is different from most states that allow you to file a lawsuit when another driver injures you in an accident. In New York, it is only possible to file a liability claim on another driver’s policy if you can show you have suffered severe injuries, according to the New York State Department of Financial Services.

Filing a Claim on Your Own Policy

There are positives and negatives when it comes to filing “no-fault” insurance claims on your GEICO policy. The primary benefit that comes with these claims is that you could receive benefits regardless of who was at fault in the crash. These benefits are typically paid out quickly given that liability is not up for debate.

While a no-fault insurance claim can be beneficial in some ways, there are also some drawbacks. Compared to a liability claim, the benefits available through no-fault insurance are limited.

When you file a claim on your own policy, you could recover benefits for your medical expenses. These policies also cover other expenses like your lost wages. However, you could miss out on most non-economic damages, including your pain and suffering.

Pursuing a Liability Claim Against GEICO

The benefits available through liability insurance claims cover damage types that are not available with no-fault claims. If your liability claim on the other driver’s GEICO policy is successful, you could recover more than just your medical costs and lost wages.

The major difference with these types of claims is that non-economic damages could be available. The most common example of non-economic damages is pain and suffering. Other types of non-economic damages that could be available to you include mental anguish or disfigurement.

Insurance Claims Negotiations

If you have never been involved in an accident before, it is understandable if you are unfamiliar with the claims negotiation process. These negotiations can be challenging when you handle them independently, as the insurance adjuster may try to avoid paying you what your claim is truly worth.

Insurance adjusters working for GEICO may use high-pressure tactics to get you to accept a settlement offer that is not in your best interest. These adjusters could mislead you regarding the benefits of settling your case quickly.

You Do Not Have to Accept the First Offer From GEICO

One of the tools adjusters often rely on is the low-ball offer. These adjusters prey on the tendency of injury victims to accept the first offer the insurance company makes. Some people do not realize they have the right to negotiate with GEICO—even if GEICO is their own insurance company.

Most of the time, the first offer your insurance company makes will be unreasonably low. Accepting this offer without careful consideration could leave you without the long-term financial support you need to address your injuries.

Before you accept GEICO’s initial offer, it could be in your best interest to hire an attorney. Your legal counsel could help you evaluate the strength of the offer from GEICO to ensure you don’t accept an unreasonably low settlement.

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Let an Attorney Assist With Your GEICO Insurance Claim

Navigating an auto insurance claim can be difficult, even if this is not your first vehicle accident. Insurance adjusters have developed a reputation of aggressively pushing inadequate settlement offers. Without a personal injury attorney by your side, dealing with GEICO auto insurance claims in New York on your own could jeopardize your financial recovery.

The attorneys of Dansker & Aspromonte LLP Associates are prepared to advocate for you following your accident. Our attorneys are experienced with resolving accident claims with insurance companies, and we are ready to deal with GEICO on your behalf. Before you deal with GEICO on your own after an accident, contact our firm for your free consultation.

Our attorneys are dedicated to work for victims of personal injury cases, including car accidents, construction accidents, severe injuries, wrongful death, and more.

Call or text (212) 732-2929 or complete a Free Case Evaluation form

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Un joven chino con discapacidad de desarrollo de 21 años caminaba con algunos amigos después de la escuela cuando salió al cruce de peatones contra la luz y un autobús de la ciudad que estaba girando demasiado cerca de la esquina lo golpeó.
Un ayudante de camarero de 20 años fue atropellado por un automóvil en Ocean Parkway en Brooklyn, lo que lo dejó en coma y con graves lesiones cerebrales.
Esta contable caminaba después del trabajo en Battery Park en el paseo peatonal cuando de repente fue golpeada por una motoneta de la policía que iba a gran velocidad.
Una pasante de teatro de 22 años caminaba por la intersección de la calle 42 y la Novena Avenida en Manhattan cuando fue golpeada por la puerta trasera de un camión que pasaba cuando la puerta abrio volando porque no había sido asegurado correctamente por el conductor.
La Sra. Y-H, pasajera en un tren del metro que descarriló.
Un ayudante de camarero de 20 años fue atropellado por un automóvil en Ocean Parkway en Brooklyn.
Un repartidor en bicicleta de 26 años fue golpeado por una camioneta Dollar Rent-A-Car que iba a gran velocidad en una intersección concurrida, causando múltiples fracturas en el cuello, espalda, brazo y pierna, así como daños cerebrales leves.
Christian, un niño de 4 años, fue llevado al hospital para una reparación rutinaria de párpados caídos. El hospital, en una medida de reducción de costos, había contratado sus servicios de anestesia en quirófano a una corporación que empleaba principalmente enfermeras anestesistas en lugar de médicos capacitados para administrar anestesia.
Un niño sufrió lesiones graves después de caerse mientras corría detrás de su autobús escolar y ser atropellado por las ruedas traseras. Este caso demuestra la habilidad de la firma para obtener compensación en accidentes que involucran autobuses escolares y menores.
Un joven chino con discapacidad de desarrollo de 21 años caminaba con algunos amigos después de la escuela cuando salió al cruce de peatones contra la luz y un autobús de la ciudad que estaba girando demasiado cerca de la esquina lo golpeó.
La Sra. Y-H era una pasajera en un tren del metro que descarriló.
Un ayudante de camarero de 20 años fue atropellado por un automóvil en Ocean Parkway en Brooklyn, sufriendo lesiones graves, incluyendo un coma. Aunque es un caso de peatón, el incidente involucra un vehículo y demuestra la experiencia de la firma en manejar accidentes graves de tránsito.
A pesar del hecho de que este caso fue referido a Dansker & Aspromonte LLP Associates por otro abogado 17 años después de que ocurriera el accidente, se obtuvo un veredicto impresionante a través de una investigación cuidadosa y una preparación incansable.
En uno de los casos más trágicos que ha visto esta oficina, dos madres y sus cuatro adolescentes conducían a una reunión de natación de la escuela secundaria en el New York State Thruway en una camioneta.
Este caso involucró a una niña de 6 años que estaba en una camioneta que fue golpeada por una ambulancia en un choque de varios autos en el Northern State Parkway en Long Island, Nueva York.
Una oficial de la Policía de la Ciudad de Nueva York de 35 años sufrió lesiones graves mientras era pasajera en un automóvil policial en camino a una llamada de emergencia.
Un carpintero de 46 años cayó de una escalera que resbaló en el sitio de trabajo, lo que le causó lesiones significativas. Este caso ilustra la experiencia de la firma en accidentes de equipo defectuoso en entornos de construcción.
Un carpintero de 30 años cayó de una escalera en un sitio de trabajo en una tienda minorista, resultando en lesiones graves. Este caso subraya la capacidad de la firma para asegurar compensación en accidentes de caídas en proyectos de construcción.
Un inmigrante mexicano sin documentación cayó 30 pies desde un andamio en un sitio de construcción, sufriendo lesiones graves al impactar contra el cemento. Este caso demuestra la experiencia de la firma en caídas en el lugar de trabajo, comunes en la construcción.
Un trabajador de construcción sufrió fracturas en el hombro, clavícula, costillas y cadera, además de lesiones internas que requirieron múltiples cirugías. Este caso destaca la habilidad de la firma para manejar lesiones graves en el lugar de trabajo.
Baby S was born with a congenital hip dislocation which was not anyone’s fault. However, malpractice occurred when the doctors and hospital did not recognize the condition after she was born. Their failure to diagnose and properly treat the condition resulted in a slight but permanent deformity.
Julio, 16, was an outpatient at the Manhattan Children’s Psychiatric Hospital where he attended school and got psychiatric counseling and supportive therapy every day. The NYC Board of Ed operated the school. One day after school, Julio ran after his bus, which was leaving without him. He slipped and was run over by the back wheels, sustaining severe injuries, including bilateral hip fractures and a shearing injury to his buttocks. Board of Ed rules required that Julio was to be escorted to the bus. The NYCTA denied liability, claiming they weren’t negligent because Julio ran after the bus. The City denied liability because they claimed the school day was over. At trial, both the Board of Ed who had knowledge of Julio’s poor impulse control and was required to put him safely on the bus, and the NYCTA whose bus driver saw Julio running and made no effort to slow or stop the bus were found to be responsible.
Baby Taylor C. – Taylor’s mother had gained over 50 pounds during the pregnancy, was past due, and had a prolonged first stage and second stage of delivery. These are warning signs of an overly large baby. Baby Taylor was 9 lbs. 13 oz. Instead of delivery by C-section, which was clearly indicated, the attending physician elected a natural birth. When the baby was stuck in the pelvic area, excessive force was used to pull her out, injuring the nerves in her neck and causing partial paralysis of her left arm. The condition is known as Erbs Palsy. The case was settled during the trial. Fortunately, Baby Taylor’s injury improved over time.
Ayisha W- A young girl slid down a sliding pond in the playground of an NYC school. The slide was not installed properly and there was a gap between the metal on the side of the slide. As Ayisha slid down, her ring finger went into the gap and the top of it was cut off. The City argued that since it was just the tip of her finger it was not worth much money. At trial, it was proved that Ayisha had a devastating emotional reaction that affected every aspect of her life and self-esteem. The jury agreed.
A 46-year-old carpenter was working on a straight ladder which had been leaned against the wall on a jobsite. He fell when the ladder slipped away from the wall. As a result, he suffered facial injuries and a fractured knee that required surgery. The property owner and general contractor were found to be responsible because Jian S. should have been provided with a more suitable A-frame ladder or scaffolding.
A 30-year-old carpenter who was working at a job site in a retail store fell from a ladder onto both feet. He suffered bilateral calcaneus fractures requiring multiple surgeries.
An undocumented Mexican immigrant working on scaffolding at a construction site fell 30 feet onto the cement. He fractured his skull and vertebrae in his neck and back. It was shown at trial that the company he worked for failed to provide him with a safety line, which would have prevented his fall.
Following a 4- story fall, a construction worker at a West 17th Street construction site in Manhattan recently won a $5.5 million dollar settlement from the general contractor and building owner for failing to provide him with a safe workplace. Defendants had argued that the fall was the result of the 56 year old construction worker’s own carelessness but Dansker & Aspromonte Associates LLP lawyers were able to prove otherwise. As a result of his fall, the construction worker suffered fractures of his shoulder, clavicle, ribs and hip, as well as internal injuries which required multiple surgeries. These injuries required home care which was primarily provided by his wife who also received a payment of $500,000 as part of the settlement. To minimize their own responsibility, the general contractor and building owner claimed that the worker had made an excellent recovery when he had not. In order to prove the case, Dansker & Aspromonte Associates LLP retained 5 separate experts to illustrate the full extent of the worker’s injuries and the disabling effect they would have over the course of his life.
Maria, a housekeeper, was walking across Ocean Parkway in Brooklyn in the crosswalk when she was struck by a school bus and thrown over 25 feet. She sustained severe injuries, including multiple fractures. The bus driver claimed that he had a green light and was travelling at a safe speed. Unfortunately, Mrs. S. could not recall any of the facts of the accident. Our investigator combed the area for witnesses. He found a woman who lived on the sixth floor of an adjacent apartment building. Although she didn’t see the accident, she happened to look out her window and saw Maria’s body lying in the roadway down the street. Using this testimony, our accident reconstruction expert was able to prove that the bus had to be speeding to knock Maria that far from the crosswalk. The case was settled immediately after that testimony.
Our client was a married NYC Parks Department employee. On a snowy night in Staten Island, he was preparing his truck to spread salt on the roadways. He drove the spreader truck to the salt storage yard. As he waited alongside his truck, the operator of a front loader truck used to place the salt in the spreader lost control of the loading bucket. Sadly, he was struck by the bucket, suffered massive injuries and died in the hospital several hours later.
A 21-year-old developmentally disabled Chinese boy was walking with some friends after school when he stepped out into the crosswalk against the light and a City bus which was turning a little too close to the corner struck him. The young man had crippling injuries which prevented him from leaving the hospital where he died several months later. Despite the fact that eyewitnesses said the boy stepped into the street against the light, the law reduces an injured person’s share of liability in accordance with their mental capacity. At trial, it was proven through a guidance counselor from his school that he was intellectually comparable to a seven-year-old. Thereafter, the jury determined that this young man was not legally responsible for his actions and awarded 100% in his favor on the liability portion of the trial
In one of the most tragic cases this office has seen, two mothers and their four teenagers were driving to a high school swimming meet on the New York State Thruway in a van. When the driver suspected a flat tire, instead of pulling over onto the shoulder, the mother of two of the children inexplicably stopped the van in the right moving lane of traffic. Within a very short time, the driver of a tanker truck traveling at a steady 65 miles an hour who claimed not to see the stopped van, struck it at full speed, literally cutting the van in half. There were two survivors with grave injuries and four fatalities. We secured the maximum insurance that was available to cover these claims.
Following a 4- story fall, a construction worker at a West 17th Street construction site in Manhattan recently won a $5.5 million dollar settlement from the general contractor and building owner for failing to provide him with a safe workplace. Defendants had argued that the fall was the result of the 56 year old construction worker’s own carelessness but Dansker & Aspromonte Associates LLP lawyers were able to prove otherwise. As a result of his fall, the construction worker suffered fractures of his shoulder, clavicle, ribs and hip, as well as internal injuries which required multiple surgeries. These injuries required home care which was primarily provided by his wife who also received a payment of $500,000 as part of the settlement. To minimize their own responsibility, the general contractor and building owner claimed that the worker had made an excellent recovery when he had not. In order to prove the case, Dansker & Aspromonte Associates LLP retained 5 separate experts to illustrate the full extent of the worker’s injuries and the disabling effect they would have over the course of his life.
Un trabajador de construcción de 50 años estaba montando su bicicleta cuando cayó debido a un defecto en la carretera y sufrió pequeñas fracturas y daños cognitivos leves.
Un trabajador de mantenimiento de 31 años golpeó un sensor de presión de control de tráfico de la ciudad de Nueva York mientras montaba su bicicleta. Debido a un mal mantenimiento del sensor, el trabajador sufrió lesiones graves.
Una mujer y su novio estaban andando en bicicleta cuando entraron en un sitio de excavación sin protección en una zona completamente oscura bajo un paso elevado. La bicicleta de Rhonda cayó en un pozo y su cara se estrelló contra la carretera.
Un repartidor en bicicleta de 26 años fue golpeado por una camioneta Dollar Rent-A-Car que iba a gran velocidad en una intersección concurrida, causando múltiples fracturas en el cuello, espalda, brazo y pierna, así como daños cerebrales leves.
La madre de Taylor había subido más de 50 libras durante el embarazo, estaba atrasada, y tuvo una prolongada primera y segunda etapa del parto.
Una joven madre china por primera vez resultó herida debido a la negligencia médica de los médicos y el personal de lo que entonces era el Hospital Beekman Downtown.
Un bombero de 42 años, que antes había corrido más de 30 maratones, se cortó la pierna mientras luchaba contra un incendio.
Christian, un niño de 4 años, fue llevado al hospital para una reparación rutinaria de párpados caídos. El hospital, en una medida de reducción de costos, había contratado sus servicios de anestesia en quirófano a una corporación que empleaba principalmente enfermeras anestesistas en lugar de médicos capacitados para administrar anestesia.
Un guardia de seguridad resbaló en una superficie helada frente a un edificio propiedad de Metropolitan Life, lo que le causó una fractura de rodilla.
Una asistente de salud en el hogar de 56 años tropezó con un cable expuesto que se extendía desde una cabina telefónica en la plataforma del metro, resultando en una lesión que requirió un reemplazo de rodilla.
Un conductor de servicio se bajó de su vehículo para recoger dinero en el carril de un Burger King cuando cayó a través de una rejilla de alcantarillado rota, resultando en una caída de 4 pies y lesiones significativas.
Un trabajador de construcción indocumentado cayó desde un andamio a 30 pies de altura, impactando contra el cemento y sufriendo lesiones graves. Este caso muestra la experiencia de la firma en caídas graves en el trabajo, que se relacionan con incidentes de resbalones y caídas en entornos peligrosos.
Un niño de 16 años fue atropellado por un camión que estaba retrocediendo lentamente y quedó atrapado contra una pared, sufriendo una grave laceración en el bazo, que tuvo que ser removido.
Adjudicado al cónyuge. El Sr. S. era un empleado casado del Departamento de Parques de Nueva York. En una noche nevada en Staten Island, estaba preparando su camión para esparcir sal en las carreteras
En uno de los casos más trágicos que ha visto esta oficina, dos madres y sus cuatro adolescentes conducían a una reunión de natación de la escuela secundaria en el New York State Thruway en una camioneta.
Una pasante de teatro de 22 años caminaba por la intersección de la calle 42 y la Novena Avenida en Manhattan cuando fue golpeada por la puerta trasera de un camión que pasaba cuando la puerta abrio volando porque no había sido asegurado correctamente por el conductor.
Adjudicado al cónyuge. El Sr. S. era un empleado casado del Departamento de Parques de Nueva York. En una noche nevada en Staten Island, estaba preparando su camión para esparcir sal en las carreteras
Adjudicado a la familia. Un hombre de 49 años cayó por el hueco de un ascensor cuando las puertas del ascensor se abrieron, pero la cabina del ascensor estaba en un piso superior.
En uno de los casos más trágicos que ha visto esta oficina, dos madres y sus cuatro adolescentes conducían a una reunión de natación de la escuela secundaria en el New York State Thruway en una camioneta.
Este accidente ocurrió en el Bronx cuando Rafael C. estaba trabajando en un camión de saneamiento. El conductor perdió el control al girar el vehículo.
Una pasante de teatro de 22 años caminaba por la intersección de la calle 42 y la Novena Avenida en Manhattan cuando fue golpeada por la puerta trasera de un camión que pasaba cuando la puerta abrio volando porque no había sido asegurado correctamente por el conductor.Una pasante de teatro de 22 años caminaba por la intersección de la calle 42 y la Novena Avenida en Manhattan cuando fue golpeada por la puerta trasera de un camión que pasaba cuando la puerta abrio volando porque no había sido asegurado correctamente por el conductor.
En uno de los casos más trágicos que ha visto esta oficina, dos madres y sus cuatro adolescentes conducían a una reunión de natación de la escuela secundaria en el New York State Thruway en una camioneta.
Un bombero de 42 años, que antes había corrido más de 30 maratones, se cortó la pierna mientras luchaba contra un incendio.
Un Oficial de la Policía de la Ciudad de Nueva York de 35 años era una pasajera en un automóvil de la policía que iba a una llamada de emergencia.
An undocumented Mexican immigrant working on scaffolding at a construction site fell 30 feet onto the cement. He fractured his skull and vertebrae in his neck and back. It was shown at trial that the company he worked for failed to provide him with a safety line, which would have prevented his fall.
Julio, 16, was an outpatient at the Manhattan Children’s Psychiatric Hospital where he attended school and got psychiatric counseling and supportive therapy every day. The NYC Board of Ed operated the school. One day after school, Julio ran after his bus, which was leaving without him. He slipped and was run over by the back wheels, sustaining severe injuries, including bilateral hip fractures and a shearing injury to his buttocks. Board of Ed rules required that Julio was to be escorted to the bus. The NYCTA denied liability, claiming they weren’t negligent because Julio ran after the bus. The City denied liability because they claimed the school day was over. At trial, both the Board of Ed who had knowledge of Julio’s poor impulse control and was required to put him safely on the bus, and the NYCTA whose bus driver saw Julio running and made no effort to slow or stop the bus were found to be responsible.
Baby Taylor C. – Taylor’s mother had gained over 50 pounds during the pregnancy, was past due, and had a prolonged first stage and second stage of delivery. These are warning signs of an overly large baby. Baby Taylor was 9 lbs. 13 oz. Instead of delivery by C-section, which was clearly indicated, the attending physician elected a natural birth. When the baby was stuck in the pelvic area, excessive force was used to pull her out, injuring the nerves in her neck and causing partial paralysis of her left arm. The condition is known as Erbs Palsy. The case was settled during the trial. Fortunately, Baby Taylor’s injury improved over time.
Ayisha W- A young girl slid down a sliding pond in the playground of an NYC school. The slide was not installed properly and there was a gap between the metal on the side of the slide. As Ayisha slid down, her ring finger went into the gap and the top of it was cut off. The City argued that since it was just the tip of her finger it was not worth much money. At trial, it was proved that Ayisha had a devastating emotional reaction that affected every aspect of her life and self-esteem. The jury agreed.