What your GEICO contract says

In short

This is an auto insurance policy with GEICO (Government Employees Insurance Company). It covers damage you cause to other people and their property (liability), plus damage to your own car if you have comprehensive and collision coverage. California law requires you to carry minimum liability insurance (at least 15/30/5 ($15K per person, $30K per accident for injuries, $5K for property)). GEICO policies run for 6 months and renew automatically. Your premium depends on your driving record, car, location, and credit factors. If you get in an accident or get tickets, expect your rate to go up at renewal.

What you agree to do

• You must pay your premium by the due date or your coverage will lapse.
• You must report any accident to GEICO as soon as possible.
• You must cooperate with GEICO's investigation, including providing statements and documentation.
• You must maintain valid vehicle registration and a valid California driver's license.
• You must notify GEICO of changes like a new car, new driver in the household, or address change.

What you can ask for

• You can cancel your policy at any time and receive a prorated refund for the unused portion.
• You can choose your own repair shop (GEICO can recommend one, but cannot require you to use it).
• You have the right to request mediation through the CDI if you dispute a claim decision.

Points worth knowing

• Premium increases after claims or violationsIf you file a claim or get traffic violations, GEICO will likely increase your premium at the next renewal. In California, Proposition 103 limits what factors can be used, but accidents and violations are allowed.
• Coverage gaps if you only carry minimumsCalifornia's minimum liability limits (15/30/5) are very low. If you cause a serious accident, you could be personally liable for hundreds of thousands of dollars beyond what your insurance covers.
• Deductible on comprehensive and collisionYou pay your deductible ($250-$1,000 typically) out of pocket before GEICO covers the rest. On a minor fender bender, this might eat up most of the repair cost.
• Claim denial for policy violationsGEICO can deny a claim if you were driving under the influence, using the car for commercial purposes without proper coverage, or if an undisclosed driver was behind the wheel.
• Coverage lapses if payment is lateIf your premium payment is late beyond the grace period, your coverage is canceled. Driving without insurance in California can result in fines, license suspension, and vehicle impoundment.

Dates and deadlines

Policy term

6-month policy period: renews automatically unless you or GEICO cancel

Premium payment due

Due at start of term, or monthly if you chose a payment plan

Grace period for late payment

Typically 10-14 days after the due date before coverage lapses