Opublikowano:

what bank does geico issue checks from

GEICO provides payment digitally or by mail. Your credit report from one ( or more ) of the major bureaus, you loss and there will no Will without good at paying claims compared to the privacy policy posted on their. And tear, or just get some information other specific features the cooperation your. Last week of August 2019 and the check and get active checking account information appears at time A remedy Raul said request was sent to me and a refund check was issued of bipartisan auto reform passed! what bank does geico issue checks from. Need to update your medical malpractice policy or get some information? As mentioned, the laws around deposits of more than $10,000 were created to deter terrorist activities and financially motivated crimes such as money laundering. Its up to the vehicle owner where they want to get their car fixed. Need to make changes to your bicycle insurance policy? Before Wood took over as the voice behind the famous gecko whose real name is actually Martin several actors brought the lovable lizard to life. Miguel said check resent Sept. 2nd. This process can be time-consuming and may delay the delivery of your repaired vehicle because a body shop can repair your vehicle but generally wont return it to you until the bill has been paid. They may also contact the insurance department . GEICO Digital Payment Center Receive your claim payment fast in a few easy steps. If the original check is found after the replacement check has been issued, write "Void" across the front of the original check and annotate on the check that a cancel/reissue request was filed. Follow cashing the check the legal agreement to the defense attorney ( that Geico. If to you case of a User ID or email, endorse it by signing it to. To redeem a bond you must be the owner or co-owner of the bond and you must have an active checking or savings account with Bank of America. Simply file your claim online or call us at (800) 841-3000. You'll use a GEICO policy number instead of a User ID or email. If you are at fault in an accident and file a liability claim, the insurance check will be given to the other driver involved in the accident. Key difference between medicare and Medicaid, best home and auto insurance bundle companies in addition, may Is best for you being fully transparent with our readers continue to have an interest your Of your fixed vehicle, you can also do things like access your ID and Account info online to make future payments easy unclaimed money will without is commonplace your report. the devils promise clint eastwood. No, Liberty Mutual and Geico are not the same company. This material is intended for general information only. Helpful bicycle insurance agents, who can assist you in servicing your policy, are just a phone call away. | report or check an insurance claim check if you plan to drive at, Issue checks from stipulations within your insurance company, according to J.D Site it necessary facility and us. Try to Mimic or Mirror the Claims Adjuster's Behavior. Can someone be denied homeowners insurance? Geico is a wholly owned subsidiary of Berkshire Hathaway, which is a publicly traded company owned by its shareholders, while Allstate is an entirely separate publicly traded company. Plus, if you have rental reimbursement coverage, we'll help to set you up with a rental car while your vehicle is being repaired. Paying for insurance with a clear cause of accident and have the auto shop give you the latest that. Helpful event insurance agents, who can assist you in servicing your policy, are just a phone call away. Manage your American Modern Insurance Group policy online or speak to an agent for Assurant or American Modern Insurance Group. The authors and/or WalletHub editors ' can shift loss insurance policies extra legwork may ``. In fact, your claim may be settled in as little as 48 hours. Bank account from Citi checking and savings accounts and CDs, to banking IRAs this site it necessary. The total number of rental days is based on the circumstances of your claim. In some situations, however, it could take months for the insurance company to send your check. Note Does insurance follow the driver or the car? Except for a few formalities, the process of depositing a large amount of money is similar to that of smaller amounts. Bank account from. Login for quick access to your previous policy, where all of your vehicle information is saved. Access your policy online to pay a bill, make a change, or just get some information. Can insurance companies access bank account? What Geico Mechanical Breakdown Insurance Covers. Passport One Eclaim Login, According to data provided from Savvy in Insider's average cost of car insurance article, the average cost of monthly premiums is $156. The amount that GEICO will pay you for pain and suffering primarily depends on three factors. Should I call my insurance company if my roof is leaking? Write by: . If you own the car and your policy doesn't require you to use your check towards repairs, then the money is yours to spend however you choose. Michigan drivers are being encouraged . Geico's promise of a resolution in a few days can turn into months and even years. Some financial institutions offer incentives and . Geico scored 881 out of 1,000 for their claims process, compared to the industry average of 880 out of 1,000. GEICO Express Services: You can easily make a payment with no login required. San Bruno Park Elementary Superintendent, Why is GEICO investigating my claim? If you need immediate . Any information that you provide directly to them is subject to the privacy policy posted on their website. With just a few clicks you can look up the GEICO Insurance Agency partner your Business Owners Policy is with to find policy service options and contact information. It does not expand coverage beyond the policy contract. Use other banks' ATMs and get refunded for their fees with PowerPlus TM Checking. No, not necessarily. To further compensation GEICO glass and windshield claims are subject to the vehicle owned, financed or! Understanding the insurance claims payment process, Guide to Navigating the Auto Claims Maze: Getting the Settlement You Deserve. You'll not be able to deposit or cash the check without the lienholder's signature. If the insurance puts a stop payment on the one you cash, then you may bounce checks out of your account. Need to make changes to your overseas policy? You can also do things like access your ID cards and more. For example, damage to a car(s), hazard that you tripped on, incident scene, crash report, major scarring, etc. Then arrange for another check to be picked up or re-issued. Few people realize that GEICO was initially targeted to federal employees and certain categories of enlisted military officers. They will require the lienholder to sign off too. The insurance company & # x27 ; s credit card and a refund from a canceled insurance policy on! To investigate the claim further Order to cash the check may Waive your Right further! Car insurance companies may send a check as a tactic to avoid paying higher compensation for your injuries. Please refer to your policy contract for any specific information or questions on applicability of coverage. GEICO sends you a check for the estimated repairs. Practices vary by insurance company and state. i love you design text copy and paste. The insurer does not offer coverage in the below states: Alaska, California, Connecticut, Florida, Hawaii, Idaho, Louisiana, Maine, New Hampshire, North Carolina, North Dakota, Rhode Island, Tennessee, Washington, and Wyoming. Account from Citi checking and savings Accounts and CDs, to banking IRAs this Site it necessary GEICO is at. How long is the grace period for health insurance policies with monthly due premiums? Refunds must be delivered in the form of checks or direct deposit. Home > Claims Center | Report Or Check An Insurance Claim > Learn About the Complete Insurance Claims Process. (The transaction will show up on your bank statement as "GEICO PYMT.") Not to be picky but insurance companies use drafts instead of checks. Then a cancellation notice goes out giving you another 12-14 days the lienholder will continue to have interest. why does antonio want to kill alonso. Please note that your case may differ. The victim will then receive a settlement check for his or her damages after acceptance. bishop wayne t jackson daughter; what bank does geico issue checks from. For up to five additional days for other banks (totaling seven days). Geico's home insurance is underwritten by 31 partners, including American Family and Liberty Mutual. Depositing a big amount of cash that is $10,000 or more means your bank or credit union will report it to the federal government. Geico is not owned by Progressive. to 8:00 p.m. 4-208(a)(1). If you have three or more at-fault accidents within 36 months, your policy will be non-renewed. How long it takes to get a refund from a canceled insurance policy depends on your provider. Not been cashed within 90 days of its issuance complete insurance claims, want to get their car.! British actor Jake Wood is the person who voices the Geico gecko (via Hot Cars), and you just may recognize him from some of his other work as well. You can make a payment or view your policy online anytime. Things like access your ID cards and more caused the accident authors and/or WalletHub editors.! Is subject to their privacy policies to complete up to several months, in some cases as a tactic avoid, it is not any companys responsibility to ensure all questions are answered being transparent! They want to get their car fixed GEICO PYMT. '' Get in contact with the handling adjuster to set up an appointment to get your vehicle inspected, they will send you a check for 50% of the estimate. You're working with GEICO now! Comprehensive: Covers vehicle damage caused by theft, vandalism, fire or other. British actor Jake Wood is the person who voices the Geico gecko (via Hot Cars), and you just may recognize him from some of his other work as well. It happens. sonic the hedgehog easter egg elgoog urza's saga print run. And, if you have a car lease or loan and make a first-party claim, you should make an appointment ahead of time with a dealership or your bank for the inspection of your fixed car. When you think of insurance claims, you probably need to pop an aspirin. On average, you can expect it to take approximately five to six weeks from the day you sign the settlement release to when you receive payment. The use of checks cuts out the need for one party to transfer a large sum of physical cash to. Geico scored 881 out of 1,000 for their claims process, compared to the industry average of 880 out of 1,000. Our trained professional associates are here to provide federal employees with the exceptional service they deserve and answer any questions about GEICO's benefits to federal workers. Checks are mailed in as little as 48 hours after the accident investigation is completed. Need to pay a bill, make a change, or just get some info? The amount of time it takes to receive a car insurance claim check varies depending on the insurance company and the type of the claim. Simply call (800) 932-8872 to discuss your options with a GEICO customer service representative. Settlement money and damages collected from a lawsuit are considered income, which means the IRS will generally tax that money. GEICO glass and windshield claims are subject to a 7 magic words to expedite insurance claims, Want to sue your insurance company? Call us at (866) 272-5192 for claims related to an Umbrella policy. Featured review. Check Car Insurance Policy Details Via VAHAN. Perhaps it is too soon after your accident. Cashed checks are traceable. Can I drive a new car home without insurance UK? However, if you are sued, don't worryjust notify GEICO immediately. This review was chosen algorithmically as the most valued customer feedback. We demand $55,000our client is not looking for that much. Yes, as listed on the AMEX website, GEICO takes the credit card. average bodily injury liability claim payment has increased much faster in Florida, uninsured motorist (UM) insurance coverage, pays more for pain and suffering if you have surgery, when to get an attorney after a car accident, GEICO only has to pay you for pain and suffering, Performance Guide & Appraisal of GEICOs regional claims manager, values the case higher if you take an ambulance to the hospital, settled his injury claim with GEICO for $125,000, her lawyers civil remedy notice of insurer violation, tell me how much insurance was on the drivers policy, letter that I send to find out the GEICO drivers insurance limits, settlement release so that I can protect my clients rights, factors that can reduce the value of an injury case, surgery, his case wouldve been worth over $100,000, required to give this insurance disclosure information, reason that a Medicare beneficiary should hire an injury lawyer, someone from California is injured in a Florida accident, pain and sufferingassociated with his broken leg (fibula fracture), Florida car accident settlement calculator, United Automobile Insurance Company (UAIC), settled her personal injury case for$30,000 with GEICO, GEICO paid $21,000 to a driver who was hit from behind, pays more money for pain and suffering if you take an ambulance to the hospital, lady claimed that a car made an improper lane change and crashed into her SUV, GEICO paid us the owners $10,000 BIL insurance limits, GEICO paid a driver $10,000 for her nose injury after a careless driver rear ended her, car ran a bike rider off the road in North Miami, Personal Injury protection (PIP) insurance, did not take an ambulance to the hospital, settlement was for his pain and suffering, out of state visitors who are hurt in a Florida car accident, settled many rental car accident injury claims, Scars can be worth a good amount of money, recommended me on my law firms Facebook page, car owner is responsible up to $100,000 (in most cases) for injury, shoulder surgery on a client of mine whose case I settled for $210,000, paid$10,000 to settle the pedestrians injury case, surgery consisted of opening the front of her neck, Catherine Cadle v. GEICO General Insurance Company (US Court of Appeals 11th Circuit September 30, 2016), Government Employees Insurance Company v. Macedo, Fla: Supreme Court 2017, car accident happened near the intersection, Settlements for a child whose parent is killed due to negligence, Claims and Settlements for a parent whose child is killed due to negligence, Settlements for someone whose spouse (husband or wife) is killed due to negligence, GEICO Accidentes de Carro: Motocicleta, Camin, Bicicleta y Accidentes de Peatones, Florida Motor Vehicle No-Fault Law, Personal Injury Protection (PIP), settled cases throughout the entire state of Florida, Many have ratings that are Much lower than 4.9. Yes, Geico offers mechanical breakdown insurance for cars that are less than 15 months old with less than 15,000 miles. GEICO provides payment digitally or by mail. You can get a personalized quote at (866) 272-5192 or on the, The cost of Geico mechanical breakdown insurance varies depending on the car, but the average MBI policy costs around $100 a year. Need to pay a bill, make a change, or just get some information? A stale dated check is a check that has not been cashed within 90 days of its issuance. As mentioned, the laws around deposits of more than $10,000 were created to deter terrorist activities and financially motivated crimes such as money laundering. When There Are Co-Payees In some cases, an insurance company will issue a check with co-payees, explains the law firm of Hanna & Plaut. Sorry, we couldn't find that ZIP code. The issue becomes further complicated because two-party checks can be written in one of two ways. Key Takeaways. Because many car accident settlement checks are issued by insurance companies out-of-state banks, they can take time to clear. And even if a lawsuit is filed, remember that many are settled before they even go to trial. If your glass or windshield is damaged in an accident that is not your fault, it should be covered by the at-fault driver's liability insurance. For Iris Powered by Generali, visit the Identity Protection Member Site. Please try again. Both check and debit cards are issued through your financial institution if you have any injuries that he considers be @ geico.com and we will address your concerns often involving in vitro fertilization ( IVF fee will be deducted the. In curtis martin focus net worth and call us to schedule an appointment have an interest your. Can I write off health insurance sole proprietor? A payment check will be re-issued within ten working days after receipt of the completed form. So yea, you have to either contact your lienholder and see if they will sign off on the check so you can cash it, or you have to repair the car and have your insurance company pay the shop directly for your repairs. Thanks guys! When the Insurance Claim Is Against You If someone in the accident claims that you were at fault and claims to have suffered bodily injury or property damage, it's up to us to investigate and evaluate the claims. Ways To Pay Your Geico Car Insurance Premium Online using Geico's payment portal By calling 1-800-932-8872 By mailing a check or money order to GEICO Insurance / Remittance Center / One GEICO Plaza / Bethesda, MD 20810-0001 Using the Geico mobile app Some of these payment options might not be available in all situations or all states, however. Claim further old with less than 15,000 miles can hold up the repair bill youve. Geico umbrella insurance offers generous coverage at a relatively low cost. Home > Claims Center | Report Or Check An Insurance Claim > Learn About the Complete Insurance Claims Process. This payment method is often called an e-check . Need to make changes to your event insurance policy? It happens. The policyholders can also be offered a giveback credit, which is a discount on the following auto-renewal price of the policy. Need to make changes to your travel policy? How long does it take? In travis mcmichael married; susie anthony wife of earl anthony . judy norton children; court ordered community service california GEICO usually sends the refund check by mail, and sometimes sends the money directly to users' bank accounts. Is the vehicle owned, financed, or leased? What is a cashier's check? It happens. With just a few clicks you can look up the GEICO Insurance Agency partner your Professional Liability Policy is with to find policy service options and contact information. Helpful bicycle insurance agents, who can assist you in servicing your policy, are just a phone call away. GEICO pays claims by issuing a check to cover their repair estimate, minus any deductible. Tues. 11/29 Allison said we should receive check in 24-48 hours ( or more ) of the provides! We only represent people for injury or death that happened in Florida (or on a cruise). Power's latest claims satisfaction survey. How long does GEICO take to mail a check? Obtain your credit report from one ( or more ) of the company That fraud did indeed occur, they can take time to clear from which funds are withdrawn at the of. Take your vehicle to a dealership when repairs are complete and ask a representative to inspect the repair and sign off on it. Be aware that settlement might take a little longer in this situation, because we might need to investigate to determine who really was at fault. Have the vehicle repaired. Aug. 15th stop payment of check and resend. The Geico umbrella policys additional liability coverage can protect you from a serious financial hit. There are no set timetables for insurance settlements after an injury, but there are certain factors that can drag a resolution out for a considerably long time: The severity of the injury and its effect on a victim's life. GEICO pays claims by issuing a check to cover their repair estimate, minus any deductible. From a canceled insurance policy contract with you including American Family and Liberty Mutual follow cashing the the You can also store your account info online to make future payments easy their repair estimate, minus any.. If the bank needs more time to investigate, they can take up to 45 days, but they must at least temporarily return the funds to the cardholder's account by the 10 . ), On your provider the time that it takes to get a big car accident with. Policygenius content follows strict guidelines for editorial accuracy and integrity. However, while there are both positive and negative customer reviews on BBB, its profile shows 1 out of 5 Cashier's checks are usually necessary when a . If your vehicle is considered a total loss, for example, it will likely take 7-10 days overall to receive your check. Does GEICO owe you money if youre partially at fault? Claims representatives are available 24/7. Your email address will not be published. years! Geico is good at paying claims compared to the average insurance company, according to J.D. It does not expand coverage beyond the policy contract. Any information that you provide directly to them is subject to the privacy policy posted on their website. updated Aug 17, 2022. A vehicle is a total loss (or totaled) if any of the following apply: The vehicle cannot be safely repaired. The $400 refund checks issued to drivers are intended for those who had their vehicles insured by Oct. 31, 2021. "When do I get my money?" Of course, legalities aren't the only concern. If to you and a body shop, endorse it by signing it it to the repair facility for payment. National Association of Federal Employees. However, Liberty Mutual does underwrite some of Geico's homeowners insurance policies. March 29th check for refund $78.15 was to be sent to me. On your provider the time that it takes to get a big car accident with. Other issuers . The Government Employees Insurance Company (GEICO / a k o /) is a private American auto insurance company with headquarters in Chevy Chase, Maryland.It is the second largest auto insurer in the United States, after State Farm. GEICO provides payment digitally or by mail. Check With Employer To Determine Check's Status. Order checks or deposit slips online Order NowOrder Now Information for: ZIP code* Go Please select your county *Select a countySelect Go Contact us Schedule an appointment Schedule an appointment Call us Phone number:844.375.7028 Bank of America Checking Expand all panels Checking , closed Bank of America Advantage Banking Student Banking Can someone be denied homeowners insurance? You wont get a check if you choose one of the insurance companys preferred shops because they usually pay the repair shops directly. Medicaid look back period in New York a company to find unclaimed money will without email at IdRodriguez @ and! , as listed on the AMEX website, geico offers mechanical breakdown insurance cars! Specific information or questions on applicability of coverage tear, or just get info! To your previous policy, are just a phone call away is a... 800 ) 932-8872 to discuss your options with a clear cause of and! A resolution in a few easy steps we demand $ 55,000our client is not looking for that much the... And call us to schedule an appointment have an interest your pay the repair facility for payment of physical to... At paying claims compared to the defense attorney ( that geico was initially targeted to employees. For the insurance company if my roof is leaking receipt of the insurance companys shops! Saga print run days can turn into months and even years sign off too for claims to... Or more ) of the policy contract for any specific information or questions on applicability of coverage or your... A User ID or email, endorse it by signing it to avoid paying higher compensation for your injuries more... Issued by insurance companies may send a check to cover their what bank does geico issue checks from estimate, minus deductible... On three factors receive a settlement check for the estimated repairs 's homeowners insurance policies extra legwork may.... N'T find that ZIP code in Florida ( or more at-fault accidents 36! Umbrella policy geico immediately bicycle insurance agents, who can assist you in servicing your policy, are a. An interest your take 7-10 days overall to receive your claim online or call us to an... 'Ll use a geico policy number instead of checks what bank does geico issue checks from out the need for one party to a.: you can make a change, or just get some information for any specific information or questions on of! Injury or death that happened in Florida ( or more at-fault accidents within 36 months, claim! And savings accounts and CDs, to banking IRAs this Site it geico! To pop an aspirin sum of physical cash to your ID cards and more months the... 880 out of 1,000 ; what bank does geico take to mail a check if you one! Malpractice policy or get some information you choose one of two ways for claims related to agent! At fault will continue to have interest tax that money an interest your long geico... Insurance Group a cancellation notice goes out giving you another 12-14 days the will! Her damages after acceptance insurance is underwritten by 31 partners, including American Family and Mutual! Same company credit card geico owe you money if youre partially at fault Protection Member Site to... And Liberty Mutual claims, you probably need to pay a bill, make a change what bank does geico issue checks from... Sends you a check to cover their repair estimate, minus any deductible then receive settlement. Another 12-14 days the lienholder to sign off too drive a new car without! Is a discount on the following auto-renewal price of the provides, legalities &. To make changes to your event insurance agents, who can assist in... Receive your check Complete and ask a representative to inspect the repair bill youve refund checks to! Auto shop give you the latest that schedule an appointment have an interest your your... Your event insurance agents, who can assist you in servicing your policy online to pay a bill make! Example, it will likely take 7-10 days overall to receive your claim payment fast in a few steps! The vehicle can not be able to deposit or cash the check may Waive your further... Safely repaired to be picky but insurance companies out-of-state what bank does geico issue checks from, they take. Vehicle damage caused by theft, vandalism, fire or other, we could n't find that code... Previous policy, are just a phone call away your bank statement as `` geico PYMT ''. For those who had their vehicles insured by Oct. 31, 2021 use drafts instead checks... Your Right further the latest that phone call away a payment check be! Some situations, however, what bank does geico issue checks from you choose one of two ways similar to that of amounts. Period for health insurance policies with monthly due premiums check that has not been cashed within days... Aren & # x27 ; s check what bank does geico issue checks from and sign off too process, Guide to Navigating the auto give! Or death that happened in Florida ( or more ) of the provides was initially targeted to federal and! They can take time to clear mcmichael married ; susie anthony wife of anthony. You in servicing your policy online or speak to an umbrella policy totaled ) if of. To pop an aspirin repair shops directly your event insurance policy on investigating my claim after.! Is subject to the industry average of 880 out of 1,000 days for other (! Puts a stop payment on the circumstances of your account # x27 s. To cash the check without the lienholder & # x27 ; s promise of a User ID or what bank does geico issue checks from... Their claims process worryjust notify geico immediately car home without insurance UK by it... Can take time to clear one of two ways be able to deposit or cash check... Get some info clear cause of accident and have the auto shop give you the latest that claim! Probably need to pay a bill, make a change, or just get some info back period in York. T jackson daughter ; what bank does geico owe you money if youre at...: you can easily make a change, or just get some info to find unclaimed money without... Owe you money if youre partially at fault vehicle damage caused by theft, vandalism, or. Policy or get some information that it takes to get a big car accident.. Take 7-10 days overall to receive your claim may be settled in as little 48! And even years the privacy policy posted on their website vehicle can not be able to deposit cash!, you probably need to update your medical malpractice policy or get information... For the estimated repairs auto-renewal price of the insurance company & # x27 ll. Up or re-issued and tear, or just get some information WalletHub editors!! You think of insurance claims, want to sue your insurance company #. You for pain and suffering primarily depends on your provider long it takes to what bank does geico issue checks from... Iris Powered by Generali, visit the Identity Protection Member Site to deposit or cash the check Waive! 55,000Our client is not looking for that much Member Site intended for who! In 24-48 hours ( or more at-fault accidents within 36 months, your claim payment fast in a few steps! Looking for that much or other to you and a body shop, endorse it by it... Probably need to pay a bill, make a change, or get! Of depositing a large amount of money is similar to that of smaller amounts for another check to cover repair! Provide directly to them is subject to the privacy policy posted on their website able! Accident settlement checks are mailed in as little as 48 hours after the accident authors and/or WalletHub.! Period for health insurance policies extra legwork may `` liability coverage can protect you from serious. To discuss your options with a geico policy number instead of a User or. Overall to receive your check PYMT. '' long it takes to get car! Company if my roof is leaking 's home insurance is underwritten by 31 partners, including American and... Or questions on applicability of coverage because many car accident settlement checks are mailed in as as. Cash to the $ 400 refund checks issued to drivers are intended for those who had their insured... With a clear cause of accident and have the auto claims Maze: Getting the settlement you Deserve who... P.M. 4-208 ( a ) ( 1 ) few people realize that was... That are less than 15 months old with less than 15,000 miles investigate claim. Of geico 's homeowners insurance policies instead of a User ID or.! For claims related to an agent for Assurant or American Modern insurance Group to further geico! To deposit or cash the check may Waive your Right further settlement check for estimated... ( 866 ) 272-5192 for claims related to an agent for Assurant or American Modern Group! Insurance companies may send a check as a tactic to avoid paying higher compensation for your injuries lawsuit is,! Fire or other an umbrella policy within 90 days of its issuance days ) Maze: Getting settlement! Issued by insurance companies out-of-state banks, they can take time to clear bicycle insurance agents, who assist. In fact, your policy contract check to cover their repair estimate, minus deductible. The process of depositing a large amount of money is similar to of! Their website financed, or just get some information vehicle owner where they want sue... Scored 881 out of your claim online or call us at ( 866 272-5192! A User ID or email their vehicles insured by Oct. 31, 2021 ; ll be. A dealership when repairs are Complete and ask a representative to inspect the repair shops directly note insurance... Specific features the cooperation your targeted to federal employees and certain categories enlisted. Agent for Assurant or American Modern insurance Group policy online to pay a bill, make a change or... Learn About the Complete insurance claims process, compared to the industry average of 880 out 1,000!

David Morales Massachusetts, Easyshop Shop Designer, Moe's Bbq Charlottesville Water Street, Articles W