My apologies for not being clear. Your are correct that you can go through your insurance and Geico will go after the other person's insurance.
You will most likely to have to see a doctor first to establish damages prior to receiving a check from your insurance company. The insurance policy will not compensate you if you were in an accident
and incurred no damages or injury. Rather, the insurance policy is meant to protect you if there are damages/injury. (Otherwise, anytime someone gets in a fender bender, this person would be entitled to the maximum amount of his or her PIP.)
Likewise, money for pain and suffering will depend largely on any injury/damages you establish. It is hard to argue there is pain and suffering if there is no record that you have or had an injury. The best way to establish a record of injury is through a doctor's diagnosis and treatment.
Does this clarify the situation at all?
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