Lawyers in our firm are currently investigating the conduct of GEICO for improperly charging multiple deductibles to automobile insurance policyholders. That practice is contrary to the language contained in its insurance policy. Under the terms of most GEICO automobile insurance policies, in the event of a claim under the “collision” coverage, “losses arising out of a single occurrence shall be subject to no more than one deductible.” We have learned, however, that GEICO has been charging or assessing policyholders more than one deductible if two or more vehicles, covered under the same policy, are involved in a collision.

Thus, if a family member collides one vehicle into a separate family vehicle, and both autos are covered under the same policy, GEICO’s practice has been to assess two deductibles, despite the clear language in its policy. Any person who has been charged multiple deductibles by GEICO for a collision claim involving two or more vehicles covered by the same policy, should contact a lawyer for more specific advice. If you need more information or this subject contact Bill Hopkins, a lawyer in our Consumer Fraud Section, at 800-898-2034 or by email at

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