A Complete Guide to GEICO’s Collision Insurance Coverage

Discover comprehensive details about GEICO’s collision insurance coverage. Learn how it works, the role of deductibles, available discounts, and what damages are covered. Make informed decisions with our clear guide to GEICO’s auto insurance policies.

GEICO stands as a prominent provider of comprehensive auto insurance plans. Having insurance coverage helps protect against out-of-pocket expenses for damages related to accidents involving your vehicle, property, or persons. GEICO offers affordable, customizable protection options coupled with dedicated customer support. This article highlights the details of GEICO's collision insurance policy.

Understanding GEICO Collision Insurance

Collision insurance covers repair costs when your vehicle is damaged in a collision with another vehicle or object. It applies regardless of whether you are at fault or not.

One notable feature is that collision coverage doesn’t have a pre-set limit. It pays based on your vehicle’s current value, with the deductible you choose beforehand.

What is a collision deductible?

This is the amount you agree to pay out-of-pocket before your insurance coverage kicks in. Usually, a lower premium results in a higher deductible, and vice versa. Your risk tolerance will influence your choice.

For example, if your car sustains $1,000 damage and your deductible is $250, you will cover $250, while the insurance pays the remaining $750.

GEICO offers discounts that can reduce your premiums—up to 5%—especially if your vehicle is equipped with anti-lock brakes.

GEICO ATV Insurance

This specialized policy provides coverage options like collision, property damage, bodily injury, comprehensive physical damage, medical payments, and uninsured motorist coverage for ATVs.

Note that GEICO collision insurance does not cover damages from theft, vandalism, natural calamities like floods or earthquakes, or hitting animals. Always review policy details carefully before purchasing.