The arbitrator will review the facts of the case presented by both parties and make an appropriate decision on the outcome of the claim. Both the insurer and the insured have the option of representing themselves or hiring legal counsel to represent them throughout the process. When the policyholder and their insurance provider can't agree on the results of a commercial insurance claim, frustration can quickly arise. GEICO states that car owner's requests for coverage should be dismissed because they are prohibited by a number of legal doctrines, such as fraud, collusion, illegality, lacerations and dirty hands.
GEICO had told the woman that her car insurance coverage didn't apply because the damages claimed weren't due to normal use of the vehicle. She says that the man was insured against his personal liability resulting from his negligence in actions related to his car, and that makes GEICO responsible.