Geico We Get You Back on Your Feet


Insurance Claims Denied by GEICO

The Government Employees Insurance Company (commonly known as GEICO and its ubiquitous television commercials with "Flo" and "Jimmy") is the auto-insurance carrier we see more than any other here at Shaw Law.

This fact is a mixed-bag for Plaintiffs and injured people here in Indiana. On the one hand, GEICO is very diligent about checking with us here at Shaw Law on a monthly basis regarding the status of our claims for injured persons. You can count on a GEICO adjuster calling for a status update on any individual who was injured by a GEICO-insured driver. (Of course, we here at Shaw Law strive to be more proactive than other personal injury law firms throughout Indiana and try to contact the GEICO adjusters to provide updates before they call us).

On the other hand, GEICO is perhaps the worst auto insurance company when it comes to providing a fair value pre-lawsuit to settle an injury claim for an injured person (often called the "claims stage" of any particular case we have). Typically, Shaw Law sees offers to settle made by GEICO adjusters for a few hundred dollars above the amount of the medical bills and expenses incurred by a person injured by a GEICO-insured at-fault driver.

This "lowball" approach by GEICO adjusters must be considered a strategic decision on its part.

It does have the effect of forcing us at Shaw Law to file lawsuits quite rapidly on all claims made by persons injured by GEICO-insured at-fault drivers. Some injured people are frightened or hesitant to file a "lawsuit" for a multitude of reasons, e.g., they don't consider themselves to be "litigious" persons or they are scared that a lawsuit always results in a jury trial. None of these concerns are 100% accurate, however.

We believe that 90%-95% of all GEICO-related insurance claims must be filed in a court of law in Indiana county courts in order to achieve a fair and equitable settlement offer.

The history of GEICO is an interesting one. GEICO is an American auto insurance company out of Maryland. Today it is the second largest auto insurer in the United States, after State Farm. It is owned by Berkshire Hathaway and insures more than 22 million motor vehicles and has 14 million policyholders.

GEICO was founded in 1936 by Leo Goodwin and his wife, Lillian Goodwin to provide auto insurance directly to federal government employees and their families because he thought they would be a lower risk than the public at large.

Goodwin learned this while working at USAA, which still exists today and writes insurance mainly for military personnel. Based on Goodwin's experience at USAA, GEICO's original business model was predicated on the assumption that federal employees as a group would constitute a less risky and more financially stable pool of insureds, as opposed to the general public. Despite the presence of the word "government" in its name, GEICO has always been a private corporation.

Of course, it is best known for its cheeky television commercials with the Cockney gecko. GEICO is well known in popular culture for its advertising, having made a large number of commercials intended to entertain viewers,

Despite its funny commercials, I can tell you its insurance adjusters are some of the most difficult to work with in the State of Indiana. They consistently undervalue claims made by injured motorists, including almost a complete lack of acknowledgement for pain and suffering or mental anguish as a result of a personal injury.

There is some belief that GEICO follows the Colossus software that assigns a numerical score to each personal injury claimant in order to achieve a standardized amount to offer based upon factors it considers important (pain and suffering and mental anguish, apparently, are not high on the list of this software evaluations).

We have found that we typically file lawsuits against GEICO, rather than settling before a lawsuit is filed (often called "pre-litigation" in our business) at a higher percentage than with other insurers (except State Farm Insurance Company and Allstate Insurance Company).

We've seen offers to settle in "pre-lit" eventually become 20x (twenty times) or more higher once the lawsuit reaches the mediation stage.

That's why it can be to your advantage to listen to your lawyers and file lawsuits when appropriate.

Call us today for a free consultation.


Read Our 5-Star Reviews
  • A Lawyer you can count on.

    “Shaw Law works tirelessly for you! I received much more than I expected for my injuries in a fall. Jeff is not only very knowledgeable he is a great communicator and keeps you informed and up to date. ...”

    - Kim
  • Not just the lawyers you need, but the lawyers you WANT.

    “The attorneys at Shaw Law are absolutely exceptional. From the consultation: which was much more information and help than any of the other (9) Law offices I consulted with, to the one-on-one ...”

    - Tristen K
  • Jeff Shaw was Very Professional

    “I would highly recommend using Jeff Shaw as your attorney. He is very professional and nice and cares about getting you the best results. He was very helpful in my case. He worked 24/7 to take care of ...”

    - Shelby Kunes
  • Attorney Shaw got me a fair settlement, much more than I thought we were going to get.

    “Shaw Law handled our case in a caring and professional manner. Attorney Shaw let us know what was happening with each step of the process. He was available to talk to us at any time. Including nights ...”

    - Randy & Kathy M
  • I Told Him He Now Felt Like a Member of Our Family More Than Our Attorney.

    “Mr. Shaw told me from the beginning that he would be willing to help me and my husband get justice. Through every step of the way, he explained what was happening and why.”

    - Stephanie B.


  • $5,000,000 Verdict in Indianapolis, IN

    Bicyclist Struck by Indianapolis School Bus (independent contractor) Awarded $5M by Indianapolis Jury (Upheld by Verdict, $4.4M Paid)

  • $3,040,000 Verdict in Gary, IN

    Blackjack Dealer Awarded for Slip and Fall on Ice in Trump Casino Parking Lot

  • $1,750,000 Verdict in Hammond, IN

    Child Dies in Fire, Landlord Failed to Provide Adequate Smoke Detectors

  • $1,460,000 Verdict Near the Ozarks of Missouri

    Sheriff's Deputy who Collides With Improperly Transported Manufactured Home Convoy

  • $750,000 $750,000 Verdict in Delphi, IN

    $750,000 Verdict for Lady in Golf Cart Struck by Drunk Driver Awarded by Jury in Carroll County

  • $750,000 Settlement for Paralyzed Man Shot at Indy Gas Station

    Man Shot and Paralyzed at Gas Station by Unknown Assailant from Unruly Crowd That Gathered After Murder of Person the Night Before at Same Site

  • $750,000 Settlement in Indianapolis, IN

    $750,000 Settlement Slip and Fall Indianapolis Woman Falls on Water in Produce Section of Indianapolis Grocery Store Breaking Leg.

  • $605,000 $605,000 Verdict in Valparaiso, IN

    $605,000 Verdict - Child Awarded for Facial Scarring When Landlord Failed to Cover Exposed Hot Water Pipe in Living Room

  • $500,000 $500,000 Settlement in Bluffton, IN

    $500,000 Wrongful Death Settlement in Bluffton, Indiana for Woman Killed When She Crossed Center-Line Into Path of Oncoming Speeding Semi-Truck

  • $500,000 $500,000 Verdict in Kokomo

    $500,000 Verdict for Woman Slip and Fall in Domino's Pizza Restaurant on Water (Reduced to $375,000)



  • Work Directly With Your Attorney

    When you call SHAW LAW, you get to work directly with Attorney JJ Shaw and Attorney Sky Shaw.

  • We Maximize Your Recovery

    SHAW LAW has obtained MILLIONS of dollars in compensation for our clients—and we work to get you your maximum results.

  • We Get You Back On Your Feet

    When you’ve been injured, it can feel like your world is falling apart around you. SHAW LAW is dedicated to helping you get back on your feet and recover what has been taken from you.

  • Fully Transparent — Guarantee

    We make sure that you and your family are constantly up-to-date with the status of your case. Call, text, email, or DM us at any time—and we will get back to you.

We Get You Back on Your Feet

Free & Confidential Consultations
  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please enter a message.