WGK Personal Injury Lawyers | September 10, 2025 | Car Accidents
Car accidents can leave you feeling overwhelmed, especially when dealing with injuries, vehicle damage, and the stress of what comes next. If GEICO is your insurance provider—or the provider for the other driver—you may need to file a claim to cover your losses.
Understanding how to file a GEICO insurance claim in Maryland can make the process smoother and help you protect your rights. This guide walks you through each step, explains what to expect, and highlights why legal guidance can make a difference.
Understanding Insurance Claims in Maryland
Maryland is an “at-fault” state for car accidents. This means the driver who causes the accident is responsible for covering the damages. Typically, their insurance company pays for medical bills, property damage, and other costs.
If GEICO is your own insurer, you may file a claim under your policy. If GEICO covers the at-fault driver, you’ll be filing a claim against their policy instead. Knowing where you stand from the start is important because it affects the steps you take and the outcome of your claim.
Report the Accident
After ensuring everyone is safe and calling the police if needed, the first step is to report the accident to GEICO. You can do this online, through their mobile app, or by phone. When making this initial report, provide the following:
- The time, date, and location of the accident
- Contact and insurance details for all drivers involved
- The police report number, if one was filed
- A description of what happened
It’s best to report the accident as soon as possible. GEICO will assign a claim number and a claims adjuster who will be your main point of contact. Having this documentation early helps you avoid delays later in the process.
Provide Evidence and Documentation
Filing a strong claim depends on evidence. The more details you have, the easier it will be for GEICO to evaluate your claim fairly. Gather and submit:
- Photos of the accident scene, vehicle damage, and visible injuries
- A copy of the police report
- Medical records and bills, if you were injured
- Receipts for towing, car rental, or repairs
The claims adjuster may also want to inspect your car in person or send you to an approved repair shop for an estimate. Being thorough with your documentation not only supports your claim but also helps prevent disputes over what GEICO should cover.
Communicate With the Claims Adjuster
Your GEICO claims adjuster will review the evidence, talk to witnesses if necessary, and decide how much the company should pay. While adjusters may seem friendly and helpful, remember that they work for the insurance company—not for you.
Their goal is often to save the company money, which may mean offering a lower settlement than you deserve. Be polite and cooperative, but avoid giving recorded statements or speculating about the accident without first speaking to an attorney.
If you suffered injuries, do not rush to accept a quick settlement, as it may not cover long-term medical costs or lost wages.
Moving Forward with Confidence
Filing a GEICO insurance claim in Maryland after a car accident can feel like a maze of paperwork, deadlines, and negotiations. By reporting the accident quickly, gathering strong evidence, and carefully reviewing any settlement offer, you put yourself in the best position for a fair outcome.
Remember that Maryland’s strict contributory negligence rule can make claims especially challenging, and insurance adjusters often take advantage of this law. Having an experienced attorney on your side helps level the playing field and ensures your rights are fully protected.
For more information contact the Baltimore car accident law firm of WGK Personal Injury Lawyers to schedule a free initial consultation.
WGK Personal Injury Lawyers
14 W Madison St, Baltimore, MD 21201, United States
(410) 837-2144
WGK Personal Injury Lawyers – Dundalk Office
7329 Holabird Ave Suite 3, Dundalk, MD 21222
By appointment only
(410) 970-3080
