Geico will not tell you up front that they are afraid to go to court. They will tell you that they are going to protect you and act in your best interest. If some driver decides they want to try to sue you and they are at fault Geico will screw you in the end. Sure GEICO will hire a lawyer(for you) but it's really for them because they will settle your case whether you approve or not and Geico will not tell you of the dirty deed they have done with the other party until after they have done it. Its as if you never even had a lawyer. Geico only cares about Geico. They will pay out to someone else even if you are NOT at fault making it seem that you are at fault. Geico is a SCREW JOB and you should avoid Geico Auto Ins. they are not truthful and should NOT be trusted.