People whose disputes over their insurance claims history went nowhere may soon get about $150 from GEICO, with no claim form to fill out. The company has agreed to a settlement of up to $1.65 million over how it handled disputes sent through LexisNexis. Anyone who wants to keep the right to sue must opt out by October 20, and anyone who wants a digital payment instead of a check has until January 14, 2027.
Does the money arrive without a claim form?
Payment is automatic for anyone who does not exclude themselves, the settlement site says. A check goes to the address on file. People on the class list received a notice with a Notice ID and a PIN, and those two numbers open the payment page.
On that page, a person can update a mailing address or elect a digital payment instead of a paper check. The deadline for that election is January 14, 2027, the same day as the final approval hearing. The election does not decide whether anyone is paid.
The roughly $150 is an estimate. The settlement site gives it as approximate, and the final amount depends on how many people remain in the class and on the fees and costs the court allows. No payment date has been announced.
The check is scheduled to go automatically to people whose notices were not returned as undeliverable, Open Class Actions reports. For anyone who has moved since the notice was mailed, updating the address on the payment page is the one step that decides where the money lands.
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Who is covered, and where does LexisNexis fit?
The case is Kohama v. GEICO, filed in federal court in Maryland. The lawsuit alleges that GEICO did not properly investigate disputes, sent through LexisNexis, about wrong information on C.L.U.E. reports. C.L.U.E., short for Comprehensive Loss Underwriting Exchange, is the claims history that LexisNexis keeps on insurance consumers. GEICO denies the allegations, and the court has not ruled on the merits.
LexisNexis Risk Solutions is the consumer reporting agency that passed along the disputes and received GEICO’s answers. The settlement website says LexisNexis is not the defendant. GEICO is the company paying into the fund.
The class covers people who filed qualifying disputes through LexisNexis between March 13, 2022, and May 1, 2026, and who appear on a class list GEICO generated. Top Class Actions summarizes the test: the information did not belong to the person or a household member, or reflected a mixed file. LexisNexis had to name GEICO as the source and answer the dispute with “unverifiable” or “accurate.” GEICO had to leave the information on the report.
The settlement site says the class definition has eight criteria and recommends checking eligibility against them. GEICO, a Berkshire Hathaway subsidiary, has not admitted wrongdoing, Top Class Actions reports.
What does opting out give up?
Opting out is the only way to keep the right to sue GEICO separately over these claims, the settlement site says. It has to be done in writing to the settlement administrator by October 20, 2026. Anyone who excludes themselves is not paid.
People who stay in can object instead. Objections go to the administrator and the court and are due October 31, 2026. A person cannot both opt out and object. Speaking at the hearing requires an objection filed by that date and a letter saying so.
Opting out also ends the payment. A person who excludes themselves keeps the right to bring a separate case against GEICO, but gives up the roughly $150 that staying in would bring.
Where does the $1.65 million go?
GEICO will pay a maximum of $1,650,000 into the fund. The fund covers payments to class members, the cost of notice and administration, a service award to the named plaintiff of up to $10,000 and litigation expenses of up to $10,000. Attorneys’ fees come to approximately $549,945, the settlement site says.
Subtracting the fee, the service award and the expenses from $1,650,000 leaves about $1.08 million, before notice and administration costs. The settlement site does not itemize those costs, which is one reason the $150 is only an estimate.
The fee request becomes available on the settlement website on October 21, 2026. That is the day after the opt-out deadline. People deciding whether to object will not see the request before the exclusion window closes.
Class counsel are James A. Francis and John Soumilas of Francis Mailman Soumilas, and Courtney Weiner of the Law Office of Courtney Weiner. The settlement administrator’s phone line is (833) 215-9289.
When is the court’s decision?
The final approval hearing is January 14, 2027. Open Class Actions lists it at 2:30 p.m. in Greenbelt, Maryland. Payments follow only after the court gives final approval and the settlement takes effect. An appeal could delay them.
The settlement site says all dates are subject to change and tells people to check it for updates. Anyone who believes they qualify but never received a notice can contact the administrator through the site.
Will the GEICO settlement check reach the right mailbox?
An automatic payment still depends on an address, and a check mailed to an old one is easy to lose track of. The settlement’s election deadline is January 14.
The Settlement & Refund Recovery System has a claim log and payment tracker, part of a 5-tab Excel tracker, for recording when a notice arrived, which deadline applies and whether the money showed up.
It runs 50 pages and also covers how to get an expired or uncashed settlement check reissued.
Get the settlement claim log and payment tracker →
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This article was produced with AI assistance and edited for accuracy against the sources linked above.
