This comprehensive guide explains GEICO's collision insurance, including coverage details, deductibles, discounts, and exclusions. It helps drivers understand their policy options to make informed decisions, ensuring optimal protection for vehicle repair costs after accidents. Additional ATV coverage options are also covered, emphasizing the importance of reviewing policy terms.

GEICO is a leading provider of comprehensive auto insurance policies, offering protection that minimizes out-of-pocket costs for damages resulting from accidents involving your vehicle, property, or individuals. With affordable and tailored coverage plans alongside responsive customer service, GEICO ensures drivers are well-protected. This guide details the features of GEICO’s collision insurance plan.

What Is GEICO Collision Insurance?

This coverage reimburses repair expenses when your car is involved in a collision with another vehicle or object, regardless of fault.

The policy doesn’t set a maximum limit; instead, it covers based on your car’s current value, with a deductible you select in advance.

What Does a Collision Deductible Mean?

This is the amount you agree to pay upfront before your insurance covers the rest. Typically, choosing a lower premium means a higher deductible, aligning with your risk preferences.

For instance, if your vehicle sustains $1,000 damage and your deductible is $250, you pay $250, and the insurance covers $750.

GEICO provides discounts, potentially reducing premiums by up to 5%, especially if your vehicle has anti-lock brakes.

GEICO ATV Insurance Coverage

This specialized policy offers protection options like collision, property damage, bodily injury, comprehensive damage, medical payments, and coverage for uninsured riders for ATVs.

Note that GEICO collision insurance excludes theft, vandalism, natural disasters such as floods or earthquakes, and collisions with animals. Always examine policy specifics thoroughly before purchasing.