California Accident Attorneys Blog
If you carry GEICO uninsured motorist coverage California requires you to be offered, you might assume you’re fully protected when an uninsured or hit-and-run driver causes a crash. But the reality is more complicated. Coverage limits, claim deadlines, and policy exclusions can all affect whether you actually recover what you’re owed, and GEICO, like every insurer, has a financial incentive to minimize what it pays out.
At Steven M. Sweat, Personal Injury Lawyers, APC, we’ve spent over 25 years representing injured Californians in disputes with insurance companies, including GEICO. We’ve seen firsthand how uninsured motorist claims get denied or undervalued when policyholders don’t understand their rights. That experience is exactly why we put this guide together.
This article breaks down how GEICO’s uninsured and underinsured motorist coverage works in California, from bodily injury and property damage limits to the specific rules around hit-and-run accidents and how to file a claim when the other driver has no insurance.