Information on GEICO Car Accidents: Motorcycle, Truck, Bike & Pedestrian Accidents is also available in Spanish: GEICO Accidentes de Carro: Motocicleta, Camión, Bicicleta y Accidentes de Peatones
What is the Average Settlement with GEICO in a Personal Injury Case?
In the past seven years, my average personal injury settlement with GEICO was $60,660. I’m referring to personal injury claims. I’m not talking about claims for damage to vehicles.
Below is a graph that shows my percentage of settlements with GEICO for different settlement ranges. It is for the time period from 2010 through June 2017.
(In a moment, I’ll talk about my GEICO car accident settlements.)
My average settlement with GEICO is much higher than my average injury settlement with all other car insurers combined.
(When calculating my average settlement and settlement amounts with GEICO, I used the total settlement from all insurers in the case. Thus, if GEICO was a bodily injury liability (BIL) auto insurer, and I recovered additional BIL insurance from another insurer, I used the total settlement. For example, I settled a case with GEICO for $25,000, where another insurer paid an additional $45,000. I used $70,000 as the settlement figure, even though GEICO paid $25,000.)
There is a reason why my average injury settlement with GEICO has been much higher than my average settlement with all other insurance companies combined.
The reason is that some of the claimants in these GEICO cases were badly injured. Seriousness of injury is the biggest factor that increases settlement value.
The claimants had surgery in several of these cases.
Does GEICO Make a Fair First Settlement Offer?
Often times, no. For example, I settled a case for $125,000 with GEICO. (I’ll discuss it in a moment.) GEICO’s first offer was $81,000.
That was 65% of their final offer, $125,000.
I settled another case with GEICO for $100,000. GEICO’s first offer was $4,500. That is only 4.5% of their final offer, $100,000.
Let’s look at some of my injury settlements with GEICO.
$125,000 Settlement with GEICO for Hand Surgery from Car Accident
GEICO Pays $100,000 for Herniated Disc from Car Crash
See a $100,000 settlement for a lady hit by a car in North Miami Beach. She said the crash worsened her pre-existing bulging discs and herniated discs.
How Long Does It Take for GEICO to Settle an Injury Claim?
When asking how long it takes to settle an injury case with GEICO, three of the biggest factors are the:
- Seriousness of the injury
- BIL insurance limits
- Amount of property damage to the cars
In the above case, the claimant had serious injuries. I argued that her injuries were worth more than GEICO’s $100,000 BIL insurance limits.
Her car was damaged badly in the crash. Thus, GEICO paid within three months, which is quick.
GEICO Settles Motorcyclist’s Case for $100,000 for Herniated Disc, ED and Knee Injury
Check out this $100,000 settlement for a 23 year old man who claimed a herniated disc, meniscus tear & erectile dysfunction were from a car crash. GEICO paid the $100,000 limits.
I represented the motorcyclist. Learn more about GEICO motorcycle accident claims and settlements.
GEICO Settles Car Accident Claim for $95,000; Driver Hit By Drunk Driver
GEICO paid $95,000 to settle a personal injury case, where a drunk driver crashed head on into another car. The accident happened in South Florida.
The victim claimed that the crash caused or aggravated a herniated disc. GEICO’s first offer was for $17,500.
I represented the victim.
GEICO Pays $25,000 of $70,000 Settlement for Lyft Passenger Hurt in Crash
See a $70,000 settlement for a Lyft passenger who was hurt in a crash. GEICO insured the other car, and paid $25,000 of the $70,000 settlement.
The passenger claimed the crash caused or aggravated his neck, back, wrist and ankle injuries. The rest ($45,000) of the settlement was paid by Lyft’s underinsured motorist insurance with Zurich Insurance Company.
York Risk Services Group handled the claim for Zurich. I represented the passenger in both injury claims.
GEICO Pays $47,000 of $57,000 Settlement for Shoulder Tear
Three cars were traveling southbound near Kendall, Dade County, Florida. A car failed to stop in time and ran into the rear of another car.
It pushed the middle car into the front car, which my client was driving. An ambulance came to the scene and treated every person involved.
An ambulance took my client to the hospital. The driver of the Vehicle 1 received a ticket.
My client had shoulder surgery. Another insurance company insured the middle car.
Progressive paid $10,000 to settle the case. GEICO insured the last vehicle.
GEICO paid $47,600 to settle my client’s personal injury claim.
GEICO Pays Ticketed Driver $50,000 for Hip Fracture
A young driver lost control of his car and suffered a hip fracture. He had hardware put inside his hip
He claimed that he was cut off by another car that left the scene. My client received a ticket.
His mother had purchased $10,000 worth of stacking uninsured motorist (“UM”) coverage. She had five vehicles under the policy. This was an uninsured motorist insurance settlement for the policy limits.
GEICO Pays $20,000 of $39,000 Settlement for Herniated Disc and Steroid Injections
My client was driving a pickup truck in Pinecrest, Florida. A car ran a stop sign and crashed into him.
Before the crash, he had pain in his back and neck.
He claimed that the collision caused or worsened his neck, back pain and herniated discs. After the crash, he had steroid injections.
GEICO insured the driver of the car. Amanda Black was the GEICO bodily injury liability (BIL) adjuster.
Scooter Rider Hit by Car Gets $35,000 for Broken Lower Leg (Femur)
GEICO paid $25,000 towards the settlement. United Automobile Insurance Company (UAIC) paid $10,000. This is my case.
$30,000 Settlement with GEICO UM Insurance for Herniated Disc
The damage to her call wasn’t that big. The accident happened in Miami-Dade County, Florida.
GEICO Pays $25,000 to Settle Hand Injury from Car Accident
A passenger in a car hurt his wrist in an accident. GEICO insured the careless driver.
They paid its $25,000 BI limits to settle the passenger’s personal injury case.
GEICO Settles Rear End Crash, Bulging Disc Claim for $21,000
GEICO paid $21,000 to a driver who was hit from behind. He claimed that the accident caused or aggravated his bulging disc.
The crash happened in Coconut Grove, Miami-Dade County, Florida.
GEICO UIM Insurance Pays $10,000 of $20,000 Settlement for Spine and Knee Injuries
GEICO paid $10,000 of a $20,000 settlement where a lady claimed that a car made an improper lane change and crashed into her SUV. Her SUV rolled over.
GEICO Pays Driver $20,000 for Spine Injuries
A lady was driving a car. A driver crashed into her in Palmetto Bay, Miami-Dade County, Florida.
A CT scan showed a C5-C6 small broad disc bulge more focal centrally where there may be a superimposed small central herniation entering the ventral aspect of the thecal with resulting mild impression upon the ventral surface of the cord.
She had some numbness of her hand mostly in the radial nerve distribution. She claimed that this was a new injury.
The impact was on the left driver side of the car. A neurosurgeon said that she had a questionable fracture on her lower jawbone (mandible) on the CT scan film.
The same doctor noted that her lower back was tender. She was diagnosed with cervical radiculopathy.
The doctor gave her a neck collar to wear. She was told to not work for three days. The doctor prescribed medication (Vicodin) for her pain.
The Liberty Mutual workers comp adjuster told me that they should be entitled to most of the settlement. My client had an attorney (us).
Florida’s workers compensation statute (law) required Liberty Mutual to reduce its lien by our attorney fees and costs.
I also argued that Florida law required Liberty Mutual to reduce its lien significantly, because my client was not made whole.
Liberty Mutual agreed to waive its lien.
GEICO Pays $10,000 to Driver for Nose Injury from Rear End Crash
See a case where GEICO paid a driver $10,000 for her nose injury after a careless driver rear ended her on the Palmetto Expressway in Miami.
Bike Rider Gets $10,000 Settlement from GEICO; Car Runs Him Off Road
A car ran a bike rider off the road in North Miami, Florida. The bike rider fell off his bike. The car drove off.
If a car runs you off the road and leaves the scene in Florida, then the car is considered “uninsured“. This is true even if the car doesn’t touch you.
GEICO paid us the $10,000 limits of my client’s UM Insurance.
GEICO Pays $10,000 to Settle Tourist’s Soft Tissue Injury Case
My client was visiting Florida from another state. She was driving her car.
Another driver crashed into her. She went to the hospital in Fort Pierce, St. Lucie County, Florida.
She later went to a chiropractor for several months in her home state. She had a soft tissue lumber (lower back) strain and sprain. GEICO insured the at fault driver.
GEICO initially offered $500. They then increased their offer to $800. We refused both offers. We later settled with GEICO for $10,000.
$10,000 Settlement with GEICO for Back and Neck Injuries
I settled a case for $10,000 for a client with back and neck injuries from a car accident in Florida. We worked with another law firm on this case.
GEICO Sends PIP Check to Us After Pedestrian’s Personal Injury Case Settles With Driver
Liberty Mutual paid about $2,000 of the pedestrian’s medical bills, and lost wages.
We negotiated with Liberty Mutual, and they accepted $553 to pay off their workers comp lien of about $2,000. I paid Liberty Mutual from the personal injury settlement.
The next step was to get my client reimbursed for the $553. GEICO insured a car that the pedestrian owned. GEICO’s PIP adjuster was Maegan Thompson.
I asked GEICO to use the pedestrian’s PIP to pay us back for the $553 that we paid to Liberty Mutual.
GEICO refused. They argued that since the pedestrian’s PIP deductible was $1,000, GEICO didn’t owe any PIP benefits for the first $1,000.
I told GEICO that GEICO’s deductible argument was wrong since the original workers comp lien was $2,000.
GEICO denied my request. I then sent GEICO a copy of a Florida case that says that GEICO’s argument was wrong.
GEICO then sent us a check for the $1,068.55. This amount covered the workers comp lien that I paid.
It also covered the pedestrian’s first 7 days of lost wages that workers comp didn’t pay.
GEICO Refuses to Settle Injury Claim for $50K; Victim Gets $243K Verdict
This isn’t my case. In Government Employees Insurance Company v. Macedo, Fla: Supreme Court 2017, the court said that GEICO must pay the injured claimant’s costs and attorney’s fees awarded against GEICO’s insured after GEICO failed to settle.
Zackery Lombardo’s automobile insurance with GEICO provided bodily injury liability coverage for up to $100,000 per person. The policy also gave GEICO the sole authority to settle any claim or lawsuit.
Alysia Macedo sued Lombardo for damages resulting from bodily injuries she sustained in an April 2012 automobile collision with Lombardo. On May 1, 2014, Macedo served Lombardo with a proposal for settlement for $50,000, which was not accepted.
The case went to trial. The jury returned a verdict in favor of Macedo in the amount of $243,954.55.
Here, GEICO was authorized to settle the case. GEICO could have settled for half of the policy limit.
It chose not to. A jury returned a verdict in Ms. Macedo’s favor, awarding more than four times the amount of the offer.
I don’t know whether GEICO should have settled the case for $50,000 when it received the offer to settle. I say this because I don’t know what Macedo’s injuries were at the time she made the offer to settle with GEICO.
If GEICO should’ve paid the $50,000 when it received the offer to settle, this case is another example of GEICO being a below average bodily injury insurer.
Will GEICO Pay You More Money if Your Doctor Mentions the Cost of Your Surgery?
Maybe. In Gonzalez v. GEICO General Insurance Company, Dist. Court, MD Florida 2016, Lisa Anderson was injured in an automobile accident. This isn’t my case.
GEICO insured a driver, Ramjohn, who was at fault for the accident.
An MRI said that Anderson she had a L5-S1 large left paracentral disc herniation with an annular tear impinging on the left descending sacral nerve roots with edema at the endplates of L5-S1. She had other injuries as well.
Her orthopedic doctor’s Final Evaluation said that she had a permanent impairment. Her attorney sent this evaluation to GEICO.
GEICO insured Ramjohn with $100,000 per person bodily injury (“BI”) coverage. Anderson’s attorney demanded the $100,000 limits.
GEICO offered $2,581.16. Anderson’s attorney sent additional medical records, which stated that if Anderson chose to have surgery for an L5-S1 microendoscopic discectomy, the estimated costs for the surgeon’s services would be $24,000. Facility fees or anesthesiologist charges were extra.
GEICO Increased The Claim Reserves Once It Learned of Surgery Cost
Upon receipt of this information, Carl Tims, GEICO’s regional liability director, increased GEICO’s reserves on the Anderson claim to $100,000. (Reserves represent the dollar amount that GEICO can reasonably expect to pay for complete settlement of a claim, including anticipated expenses.)
On December 9, 2009, Anderson’s attorney informed GEICO that Anderson’s surgery was scheduled for the next day. The letter enclosed the surgeon’s notes on Anderson’s evaluation.
The notes said that Anderson wished to undergo minimally invasive microendoscopic diskectomy with the understanding that she would need additional surgery in the future in the form of L5-S1 fusion or artificial disk replacements.
GEICO Increased Its Offer After Learning She Would Have Surgery
Based on this additional information, GEICO increased its offer to $22,500. The record reflects that, although GEICO believed $22,500 was a “fair value based upon other settlements,” no witness in this case has an independent recollection as to how GEICO arrived at the $22,500 number.
It was only until almost four months after the surgery, when GEICO offered to pay the $100,000 policy limits. This offer was not accepted.
At a jury trial, Anderson won and got a final judgment of $398,097.82. Anderson’s bad faith expert, Peter Knowe, said:
As soon as you have a herniated disc on a woman of this age, that in and of itself verifies for insurance professionals that this claim is always worth in excess of a hundred thousand dollars. Her subsequent care and treatment may tend to increase that number as we go forward, but it never gets less than that.
Knowe also said that Geico’s offers of $2,581.16, on November 12, and $2,928.56, on November 19, 2009, which allocated nothing for future medical expenses and only $500 for pain and suffering damages were unreasonable “lowball offers“. He said that they were way off from the insurance industry custom and practice.
GEICO Admits Its First Offer Was At the Bottom End
GEICO admitted that the initial offer was at the “bottom end of the negotiation range.” Gary Gertz was GEICO’s former regional claim manager for the continuing unit that handled Anderson’s claim. He testified that GEICO should “hold the line” and refuse to settle whenever GEICO believed it had any “rational basis” for its lower valuation of a liability claim.
Gertz explained that paying more on one claim “simply because an attorney asked for it” could “set the value of the next 100, 1,000, 5,000 claims” higher. According to Gertz, even where GEICO’s “evaluation” of a claim was only a “couple of grand” less than the claimant’s settlement offer, GEICO would force the injured claimant’s attorney to file a lawsuit against GEICO’s insured, without regard for the exposure its insured faced.
Gertz believed his unit of claim managers and adjusters should encourage more cases to go to trial to “send a very strong and clear message to the claimant’s attorneys about [GEICO’s] attitude and [GEICO’s] capabilities.”
Knowe said that GEICO’s practice of considering average loss payments in its evaluation of its claim-handling employees’ performance goes against industry standards because it “puts pressure on the adjusters to artificially create a lower average loss payment as a result of underpaying claims.”
Evidence Suggested that GEICO Didn’t Reasonably Evaluate Anderson’s Claim
The judge said that a jury could find that GEICO did not handle Anderson’s claim with the same degree of care and diligence that GEICO would have used to handle its own affairs. As I mentioned earlier, Anderson won her personal injury case. After the bad faith trial, GEICO paid the judgment in full, plus attorney’s fees and costs.
GEICO Quickly Pays $10,000 to Pedestrians Hit by Car After They Sue
This isn’t my case. On December 22, 2005, Blanchard, while operating a motor vehicle covered under the Geico policy, struck pedestrians, Edelmida and Paulino Rodriguez. They sued for personal injuries.
The car accident happened near the intersection of SW 72nd Street and SW 97th Avenue in Miami. The Geico policy provided liability limits to Blanchard in the amounts of $10,000 for each claimant.
Geico immediately paid its $10,000 policy limits to each injured victim. The case is Geico General Insurance Co. v. Rodriguez, 155 So.3d 1163 (Fla. 3rd DCA 2014).
The injured victims’ attorneys were from Weston, Florida and Miami. GEICO’s attorney was from Miami.
My thoughts: I think that the injured victims’ attorney may have sued GEICO for allegedly acting in bad faith.
GEICO Pays $10,000 for Crash Victim’s Surgery; He Rejects Offer
He also filed a Civil Remedy Notice (“CRN”) as authorized by section 624.155, claiming that he sustained serious and permanent injuries exceeding his UM policy limits.
GEICO answered the lawsuit and responded to the CRN, stating that based on its investigation, which included a review of his medical records, it would not offer policy limits.
After learning he had undergone surgery several years later, GEICO offered the $10,000 policy limits.
He did not accept the offer. I don’t know the final outcome. The case is GEICO Casualty Company v. Barber, Fla: Dist. Court of Appeals, 5th Dist. 2014.
Personal Representative of Estate and Spouse Claim GEICO failed to pay an agreed $100,000 policy limits settlement
Ms. Lepine claimed that GEICO, as agent for its insured, Mr. Taylor, agreed to pay policy limits of $100,000 to Ms. Lepine.
The appeals court ruled that Ms. Lepine could not sue GEICO as a defendant until she obtains either a judgment against or a settlement with Mr. Taylor, GEICO’s insured.
Check out some other interesting articles on injury claims and settlements with GEICO
- GEICO car accident claims in Florida
- neck injury claims with GEICO in Florida
- injury claims for herniated discs against GEICO in Florida.
- wrist and hand injury cases with GEICO in Florida.
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