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In short, if the pedestrian (claimant) is not covered by Geico and trying to file a claim with the driver who injured you (and they have Geico), you will need an attorney to retrieve 100% reimbursement for pain and suffering. It's quite appalling how unethical large insurance companies are when there is evidence stacked against their customer.
Here's a great, recent example of Geico partially blaming a cyclist for getting doored:
http://sf.streetsblog.org/2013/03/11/video-geico-partially-blames-this-cyclist-for-getting-doored/
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