GEICO Insurance: Sample Verdicts and Settlements


This is a sampling of jury verdicts and settlements with GEICO in Maryland and around the country. We compiled this list from a variety of sources, including our law firm's own settlements and verdicts with GEICO. Keep in mind there is not any scientific methodology to this sampling and these are not necessarily reflective of the value of your claim against a GEICO insured. There are too many variables at play when looking at the value of a car accident case to fit in a short summary of the case.

2013 Settlements and Verdicts Against GEICO

  • Settlement in Maryland for $290,000. A 40-year-old woman suffers an L-5-disc injury after a double impact, chain reaction, rear-end accident. She has a negative MRI but has a discectomy that reveals nerve damage. The pre-suit offer was $70,000. Our law firm handled this case.
  • Settlement in New Jersey for $95,000. A 46-year-old woman was involved in a geicoclaimsbroadside car crash as the result of the defendant running a red light. She suffered herniated disc injuries at L5-S1, C5-C6. She also had an annular tear, a very under appreciated injury for which there is no meaningful treatment. Plaintiff's neurosurgeon recommend surgery but, like many plaintiffs, this woman opted for less invasive treatment (therapy, manipulations under anesthesia, and epidural injections). The case was defended by GEICO's in-house counsel in Piscataway. Plaintiff's counsel in this case told us that defendant had a $100,000 GEICO policy and that there was significant property damage.
  • Jury Settlement in New Jersey for $15,000. A 42-year-old man had a cervical disc herniation at C5-C6 with shooting pain. Plaintiff received physical therapy and injections for his injuries. The case was defended by GEICO's in-house counsel in Rutherford. Plaintiff's lawyer told us that GEICO vigorously disputed liability in the case which is why Plaintiff was willing to accept a relatively low settlement for his injuries.
  • Jury Verdict in Florida of $400,000. A 24-year-old student is rear-ended, aggravating a herniated disc at L4-5 and bulging discs at C3-4 through C6-7. Plaintiff has physical therapy, injections, and had a discogram and discectomy. During a 6 day trial, Plaintiff's lawyer puts up three expert witnesses - pain management, neurosurgery, and orthopedics. GEICO also puts up two experts to argue that Plaintiff's neck and back conditions were pre-existing and that she only suffered minor sprains and strains (as well as unreasonable, excessive, and unrelated medical bills and the usual stuff you get from GEICO's medical experts). These experts bundle all of Plaintiff's problems at the doorstep of two prior car accidents. The jury obviously disagrees and awards Plaintiff $60,000 in past medical bills, $30,000 in future medical costs, $50,000 in past pain and suffering, and $260,000 in future pain and suffering. (The procedure of this case would be odd to a Maryland lawyer; her two uninsured motorist cases against GEICO were consolidated into one case. This is not an option for plaintiffs' lawyers in Maryland or in most states).
  • Jury Verdict in New Jersey of $100,000. A 35 year-old hospital security guard is rear-ended at a red light. Simple chain reaction: he is hit by the car behind him who was hit by a car behind her, a GEICO insured. Plaintiff waited two days to go to the emergency room in the hospital where he works. Three weeks later, he begins chiropractic care. An MRI eventually finds a cervical-disc bulge at C3-4, and a lumbar-disc bulge at L5-S1. An EMG confirms L5-S1 radiculopathy (the disc was hitting a nerve root). GEICO's lawyer argues at trial that the real problem was injuries sustained while the Plaintiff was serving his country in Afghanistan and Iraq. Less offensively, GEICO also argued that the case did not cross New Jersey's tort threshold. After a one day trial, the jury strongly disagreed.

2012 Settlements and Verdicts Against GEICO

  • Jury Verdict in Maryland for $340,000. Plaintiff suffered head (mild TBI) and disc injuries in a left turn accident case that was tried in Prince George's County. The offer at the pre-trial conference was zero. GEICO's policy was $250,000 but the uninsured motorist carrier agreed before the trial not to seek subrogation from GEICO's insured if the verdict exceeded the policy limits which, thankfully, is exactly what happened. Our firm handled this case.
  • Settlement in Maryland for $170,000. Plaintiff was driving on Route 97 in Carroll County when he approached a non-functional traffic light. Defendant did not realize the light was not working a ran through it. Defendants contended that Plaintiff was contributorily negligent for failing to proceed with care through a broken traffic light. Plaintiff suffered a broken left femur, broken ribs, various cuts and abrasions, and severely bruised feet.  GEICO was the driver's insurance company and they tendered their policy limits. The rest was recovered from the uninsured motorist carrier (Cincinnati Insurance).Our law firm handled this claim.
  • Settlement in Washington for $55,000. Plaintiff was rear-ended by defendant. Medical bills were approximately $20,000. Plaintiff had surgery for her rotator cuff injury. GEICO was the underinsured carrier. The underlying carrier tended its $25,000 limits. It is fair to assume that this award would have been higher - rotator cuffs injuries are generally worth more - but this case had a few weaknesses. The plaintiff's age, 74, the lack of property damage ($1,000), and causation issues likely decreased the settlement value of the case. Her lawyer told us that the plaintiff was a wonderful woman who did not want to get involved in protracted litigation which made her more amenable to an out-of-court settlement of her claim.
    We have won millions of dollars in settlements and verdicts against GEICO. Learn more about dealing with GEICO in car, truck, and motorcycle accidents here and check out some of our verdicts and settlements here.
  • Jury Verdict in Washington for $10,000. Plaintiff was rear-ended and suffered a C4-C5 herniated disc. Whether the disc injury was caused by the accident was at issue: Plaintiff had a prior herniation at C6-C7.
  • Jury Verdict in Florida for $79,209. Plaintiff, a 21 year old woman, suffered L4-L5 and L5-S1 disc herniations after a car wreck in which the defendant ran a red light. In spite of the injuries, the woman missed one day of her job as a restaurant hostess.
  • Jury Verdict in Texas for $55,000. A 21-year-old woman was rear-ended by the Defendant in Dallas while waiting to make a left hand turn. Plaintiff has classic soft tissue neck and back injuries and went to a chiropractor four times. The award included $30,000 in past pain and suffering and $5,000 in future expected pain and suffering. Likely, GEICO's mistake was denying liability in a rear end accident case, a tactic that often backfires with a jury. The Plaintiff's lawyer in the case did something gutsy and smart: he did not ask the jury for lost wages and medical bills. Why? Because he feared the low amount of bills and wages would serve as an anchor to pull down the verdict. Plaintiff's lawyer also said that GEICO made the mistake that it often makes: attacking the plaintiff, a nice hard working woman who was putting herself through college reaching towards her lifelong dream of being a physical therapist. Another interesting fact: Plaintiff's lawyer asked for $150,000. The jury verdict was 10-2; the two holdouts wanted to award the $150,000.
  • Jury Verdict in Georgia for $124,000. A 60-year-old woman was hit by an unidentified driver who swerved into her lane. Her car flipped several times. She had a head injury and fractured two ribs and was hospitalized for four days. The driver fled the scene and was never identified. Plaintiff's uninsured motorist carrier, GEICO, defended this case in the name of John Doe. The Plaintiff's lawyer told us that his client's medical bills were approximately $39,000. GEICO did what GEICO does. They lowballed the Plaintiff with a $70,000 offer prior to suit.  Finally, two weeks before trial, it offered the $100,000. Plaintiff and her lawyer bravely refused, keeping alive a potential faith claim against GEICO for not tending the policy sooner. In Georiga, if Plaintiff can prove bad faith, she can get a 25% penalty on the policy limits as well as attorney fees.  GEICO has now hired outside counsel to defend the bad faith case.   
  • Jury Verdict in Kentucky for $3,931,448. A 51-year-old funeral home operator is riding her bike on a narrow bridge when she stops for a man fishing on the bridge.  As he passes her on a two way street, Plaintiff’s foot slips from the bike pedal to the road surface.  Defendant strikes the bike and his side view mirror strikes Plaintiff in the head.  Plaintiff suffers serious injuries, including a subdural hematoma and other hemorrhages of her brain, as well as a broken collarbone, bilateral wrist fractures, multiple fractures to her hands and fingers, and significant lacerations to her face.geicoaccident  Plaintiff is hospitalized for three weeks with another two weeks of inpatient rehabilitation.  Plaintiff undergoes several surgeries during this time, and due to significant cognitive deficits, has to relearn key daily functions.  GEICO, representing the Driver Defendant, smartly tenders its $20,000 policy limits.  Plaintiff files suit against her UIM carrier, Motorist Mutual.  Plaintiff’s insurance policy is issued through a funeral home policy and offers a million dollars in coverage for each of the 17 funeral home vehicles, as well as an umbrella policy of two million.  Defendants argue that plaintiff’s psychological limitations are related to two post-crash events, and her physical limitations are due to a worsening of pre-existing rheumatoid arthritis.  Plaintiff is awarded $3,931,448 which is reduced by 50% for comparative fault.            

2011 Settlements and Verdicts Against GEICO

  • Settlement in Maryland for $300,000. A man was stopped at a red light in Montgomery County and was rear-ended at a high rate of speed. He was was flown to Prince George's Hospital Center but he did not survive. This wrongful death settlement was for the policy limits. An exhaustive search for assets of the defendant revealed that he had no meaningful assets and only a $15,000 Pennsylvania insurance policy. GEICO paid the remaining $285,000 in uninsured motorist benefits. Our law firm handled this case.
Hiring a Lawyer to Fight GEICO

        If you have been injured in a motor vehicle accident and the at-fault driver is insured by GEICO, or if you are filing an uninsured motorist claim against GEICO and you have a question about your claim, call us at 800-553-8082 or get a free claim evaluation.

More Information on Dealing with GEICO for Settlement or at Trial
  • How much money should you expect for your case?
  • You should not handle your own personal injury claim, at least in most cases. But if you won't listen to this advice, here are some tips.
  • Sample Settlement Demand Letters
  • Sample GEICO Release (sample GEICO settlement documents)
  • Sample Interrogatories Served by GEICO: types of questions this insurer will ask you during the litigation process