If you’ve been in a car accident and GEICO denies your claim, you’re not alone—and you’re not out of options. Insurance companies often prioritize their bottom line, but that doesn't mean their denial is the final word. At Correa & Martinez Trial Lawyers, we’re here to stand beside you, guide you through your next steps, and fight for the justice and compensation you deserve.
Here’s what you need to know—and do—if your GEICO claim has been denied.
First, Understand Why GEICO Denied Your Claim
Insurance companies like GEICO are legally obligated to provide valid reasons for denying claims. Some common reasons for denial include:
- Policy exclusions or lapses
- Allegations of fault (claiming you caused the accident)
- Disputes over medical necessity or treatment costs
- Missed deadlines or incomplete documentation
Before anything else, carefully read your denial letter. It should explain the rationale behind the decision.
Then, request a copy of your policy and a detailed explanation of the denial in writing. If the language is vague, confusing, or doesn’t align with your understanding of the accident, it’s time to bring in legal help.
Next, Gather & Preserve Evidence
The success of your appeal or legal case often comes down to documentation. Begin assembling:
- The GEICO denial letter
- Your insurance policy (declarations page, endorsements, etc.)
- Police reports, crash scene photos, and any witness statements
- Medical records and bills from all accident-related treatment
- Estimates or receipts for vehicle repair
- Communications with GEICO representatives (emails, texts, voicemails)
If anything is missing or unclear, we’ll help you uncover it—often with the help of investigators, accident reconstruction experts, or medical professionals.
Remember: Be Cautious with GEICO Adjusters
If GEICO contacts you after the denial—for example, requesting a recorded statement—do not engage without legal counsel. Insurance adjusters are trained to protect the company, not you.
We advise our clients not to speak directly with GEICO once we’re retained. We’ll handle all communication, shield you from pressure tactics, and negotiate aggressively for your rightful compensation.
What You May Be Entitled To
Even if GEICO says “no,” the law may say otherwise. You may still be entitled to compensation for:
- Medical expenses
- Lost wages
- Vehicle repair or replacement
- Pain and suffering
- Long-term disability or trauma
- Punitive damages, in extreme cases of insurer misconduct
Don’t Give Up—Insurance Companies Bet That You Will
GEICO (and other insurers) may assume you’ll walk away after a denial. But remember: denials can be challenged. Many valid claims are initially rejected, only to be approved later after legal intervention.
An experienced trial attorney can help you:
- Appeal the denial and present new evidence or documentation
- Prove fault or liability through a detailed investigation
- Challenge bad faith practices, such as unjustified delays or misrepresentations
Why Legal Representation Makes a Difference
Insurance denials are complex—but they’re not impenetrable. As Miami-based trial attorneys, we bring more than legal knowledge. We bring strategy, leverage, and courtroom readiness that many firms simply don’t offer.
At Correa & Martinez, we:
- Investigate thoroughly to identify liability and policy coverage
- Negotiate fiercely for fair compensation
- Represent clients in court when insurance companies won’t budge
- Offer bilingual support in both English and Spanish
- Make ourselves available 24/7 to address your concerns
Denials can be challenged. Many valid claims are initially rejected, only to be approved later after legal intervention.
Talk to a Miami Car Accident Attorney Today
If your GEICO car accident claim has been denied, don’t go at it alone. The sooner you act, the stronger your position will be.
At Correa & Martinez Trial Lawyers, we offer free consultations and contingency-based representation, which means you don’t pay us unless we win.
Located in Miami and deeply connected to our community, we’re ready to support you every step of the way. Schedule your free consultation today.
