Geico Terms of Use

This document governs user access to and use of the geico.com website and associated online services, establishing terms on a Maryland-law basis with deemed acceptance upon site use. The agreement states that GEICO disclaims all express and implied warranties regarding site materials, excludes liability for consequential and incidental damages, caps total liability at the amount paid to access the site, and authorizes GEICO to act on any instructions received under a user's password without verification. The liability cap tied to 'the amount you have paid to access our sites' is operationally narrow for a free-access insurance website, potentially rendering the cap nominal or zero in most user interactions; the agreement also reserves unilateral modification rights without notice, which may face scrutiny under state consumer protection frameworks depending on the context of policy-related representations. The document incorporates the GEICO Privacy Policy by reference without restating its terms, and the AI Virtual Assistant disclaimer expressly excludes coverage or payment advice from any liability guarantee, which may engage FTC guidance on digital consumer disclosures and state insurance regulatory requirements regarding online solicitation and advice. The jurisdictional clause asserting Maryland law for all actions, combined with the absence of any dispute resolution or arbitration mechanism, leaves forum selection and remedies subject to user-initiated litigation under applicable state or federal law.