I’m in a bit of a tricky situation and could use some advice. I’ve never had to file an insurance claim before, but today I found a note on my car from my neighbor. She accidentally “overshot” her parking space and left noticeable scratch marks and some other superficial damage near the headlight on my car. She was very responsible and left her insurance info and contact information.
Here’s the catch: I currently do not have insurance on my vehicle. I know this is not ideal, but I’m wondering if I can still file a claim with her insurance company (Geico) for the damage to my car. If so, what would the process look like for me?
Since you don’t have insurance, you can still file a claim through your neighbor’s Geico policy. They should cover the damage because it was their fault. Contact Geico with your neighbor’s info, explain what happened, and they’ll guide you through the next steps
I’ve been in situations where unexpected car damage had me scrambling for answers, and while I’ve always had insurance, I know that you can still file a claim against someone else’s policy even if you don’t have coverage yourself. Since your neighbor left her insurance info, you’d contact Geico directly to start the claim as a third party. You’ll need to give them details about the incident, provide any evidence (like photos), and they’ll likely inspect the damage. It’s good that your neighbor took responsibility, so Geico should work with you to assess the repairs. Just be upfront with them about your situation, and the process should still move forward.
