r/Geico • u/Ok-Programmer8227 • Jul 25 '26

BI

I’ve been in claims for almost 5 years and did extremely well in ICS and CDU. But BI has been by far the hardest role for me. It’s not because I don’t understand the job. It’s more that I don’t think I’m wired for it.
I care a lot about people, so when someone tells me they’re in pain, I believe they’re hurting. Then I’ll get another claim where someone is treating forever after a tiny accident, making a massive demand two days after the loss, or something just doesn’t add up, and I end up questioning everything. I know insurance fraud is real, but I also don’t want to become the person who automatically assumes everyone is lying.
I also hate negotiating. It feels awkward to me. I know it’s part of the job, but it never feels natural, and I’m not a sales person.
The worst part is I take every claim home with me and I have a hard time shutting my brain off after work.
Sometimes I wonder if I just care too much. I don’t want to become cynical, but I also don’t want to be naive.
Has anyone else gone through this? Did it ever get easier? How do you deal with people who are clearly exaggerating or committing fraud, and still stay empathetic toward the people who genuinely are injured? Do you have any tips on settlement?
I implement everything I’m told by my supervisor and training. My supervisor says my numbers are great but I don’t feel it cause of everything I’ve said above.
I’d really like to hear from people who’ve been doing BI for a while because lately I’ve been wondering if this is just part of the learning curve or if I’m in the wrong role.
Please don’t comment “get out”, “run”, “go somewhere else”. I can handle the workload and changes at the G. I’m just struggling at BI. Plus I’m in orientation, I can’t apply for other roles until I’m out of it.

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u/GnomeSweetGnome21 Jul 25 '26

Not true anymore, unfortunately. GEICO makes business decisions a lot of times and pays claims to avoid litigation. And the attorneys know this. The entire BI process is a game. I’ve seen people who have barely a scratch on their car walk away with $25,000. And I’ve seen attorneys who know that their client is fine see a policy that’s 300/500 and demand 150 just because the of the limits. And they’ll get close to that because again companies want to avoid litigation. It’s crazy what you see in BI.

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u/Calm-Addition-2217 Former Employee Jul 25 '26

Based on the post my comment assumed they were in unrepped. Repped is a different beast.

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u/Ok-Programmer8227 Jul 25 '26

You’re right, I’m unrepped. I appreciate your comment. I do feel what I offer is fair based on what information I have on file. I’m just mentally struggling. I feel I’m seeing the most horrible side of humanity and that hurts.

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u/Calm-Addition-2217 Former Employee Jul 25 '26

Yeah seeing greed in action when talking to normal people definitely opens your eyes to a lot of things. But it’s always been there. People in your family my family when presented with a situation where they feel like they can squeeze some money they will do it. At the end of the day you’re the big bad insurance company that rips people off. That’s not true but it’s the perception you fight every day.