Any legal dispute about your use of geico.com is governed by Maryland law, regardless of where you live. This could affect which legal protections are available to you.
This analysis describes what Geico's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
A Maryland choice-of-law clause may limit access to consumer protection rights available under your home state's laws, though courts do not always enforce choice-of-law provisions where they conflict with a consumer's state mandatory protections.
Interpretive note: Enforceability of the Maryland choice-of-law provision depends on the consumer's home state law and whether applying Maryland law would deprive the consumer of mandatory protections; courts apply this analysis case-by-case.
If you live in a state with stronger consumer protection or insurance laws than Maryland, this clause asserts that Maryland law governs your dispute with GEICO regarding the website. In practice, courts may decline to apply this provision where it would deprive a consumer of mandatory protections under their home state's law.
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In the EU and EEA, the choice of Texas governing law shall not apply only where a mandatory consumer protection law explicitly prohibits such choice of law provisions.
For any claims that are not subject to arbitration...U.S. Residents: Delaware law; venue exclusively in the state or federal courts in New Castle County, Delaware
These Terms are governed by the laws of the State of California and the United States without regard to conflicts of laws provisions
"These Terms and Conditions of Website Use, and the agreement they create, shall be governed by and interpreted according to the laws of the State of Maryland, without giving effect to Maryland's conflict of laws principles.Excerpt from Geico's Terms of Use
REGULATORY LANDSCAPE: Choice-of-law clauses in consumer contracts are subject to limitations under the Restatement (Second) of Conflict of Laws and the UCC, both of which provide that a chosen state's law will not apply if …
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A Maryland choice-of-law clause may limit access to consumer protection rights available under your home state's laws, though courts do not always enforce choice-of-law provisions where they conflict with a consumer's state mandatory protections.
If you live in a state with stronger consumer protection or insurance laws than Maryland, this clause asserts that Maryland law governs your dispute with GEICO regarding the website. In practice, courts may decline to apply this provision where it would deprive a consumer of mandatory protections under their home state's law.
ConductAtlas has identified this type of provision across 264 platforms. See the full comparison.
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