As the discussion of first- and third-party claims above reflects, you may have ways to convince GEICO to pay for your car accident losses without filing a lawsuit. Having received a valid claim from you or your attorney, GEICO might agree that it has an obligation to pay you under the terms of the auto insurance policy it sold to you or the party at-fault for your crash.
Then again, it might not. Sometimes it takes filing a lawsuit to force GEICO to pay under an auto insurance policy. Here are three scenarios where that can happen.