“Fifteen minutes could save you fifteen percent or more on car insurance.” - Martin the GEICO gecko”So easy, a caveman could do it.” - Caveman

And there is a stack of money with eyeballs to show the money you could be saving with GEICO.  These commercials can be seen here http://www.geico.com/about/commercials/

However, what they don’t tell you is that GEICO has been habitually offering unreasonable settlement amounts which leaves an injured Plaintiff with no other option than to seek full restitution through the legal system by filing a lawsuit against the at-fault driver for his negligence in causing the collision.  You may save that money now, but is it worth going through a lawsuit?

An example scenario involves a driver who was rear ended in her vehicle while at a complete stop.  There is no question of who was at fault or liable, she did nothing to cause or contribute to the collision.  The injured victim received soft-tissue injuries which required a trip to the emergency room and some additional follow-up care for soft-tissue injuries.  Oftentimes health insurance will cover some of these medical bills, but they will assert a right of subrogation for a refund for their payments from any monies recovered by the injured victim in her liability claim against the at-fault driver who was insured by GEICO.

In an attempt to avoid the time and expenses of litigation, the injured victim will have her attorney send a settlement demand package.  However, GEICO has habitually been making offers well below the total cost of medical bills incurred.  The injured victim is left with the decision to file suit or take a financial loss.  Plaintiffs lawyers all over the country are outraged at this unfair claims practice.

It makes you wonder how they are able to spend so much on advertising when they are leaving injured victims unable to cover their medical bills…