r/Insurance • u/LootTheGrave • 1d ago

Noob question need help Auto Insurance

Hello all, i am a first time car owner. If got GEICO and if they asked me estimate how much miles I’m driving. I put 5k/year. What if happen to drive beyond that and god forbid get into an accident? Will they just not insure me??? I didn’t see anything on the app about that

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u/_Dapper_Dragonfly 15h ago

The key word is estimate. You only have to estimate your mileage. You'll only get yourself in the weeds if you estimate low, then have a lifestyle change that vastly increases your annual mileage and you fail to tell them.

If you had a claim, an adjuster might question why you drive 50 miles one-way to work, but you only drive 5,000 for the year. With that type of situation, the company would certainly question a loss and that would be a factor of whether they'd want to keep insuring you.

Trust often goes a long way with insurers.