The General Automobile Insurance Services, Inc., commonly referred to as The General, was founded in1963, and its headquarters is located in Nashville, Tennessee, United States.
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Car Insurance General
About General Insurance
The General is a licensed subsidiary insurance agency of PGC Holdings Corp. In 2012, the company was acquired by American Family Insurance, but it is still r a separate brand.
The General offers car insurance in Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Massachusetts, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.
Cheap Car Insurance in New York
The General insurance company specializes in high-risk auto insurance. Because high-risk drivers usually have to pay higher premiums, this insurer focuses on offering them some lower rates without hurting the company and the policyholder’s financial status.
Pros
- It is a perfect choice for high-risk.
- Managing your auto insurance policy online is possible.
- People with a history of car accidents can benefit from getting their policy from The General.
- Drivers who have had their driving privileges suspended are required to file an SR-22 form (Financial Responsibility Certificate) in some states. The General will file the SR-22 with your state licensing authority for you if you need one.
Cons
- Drivers who aren’t considered high-risk do not get good rates.
- The General has few discounts and policy options.
- There is a noticeable number of complaints about auto insurance.
The General Insurance Ratings
Reviews on WalletHub: 4.2/5
NAIC: 5.86
BBB: A+ (accredited in 2005)
Moody’s: A2
The General insurance company has a financial stability rating of “A” (excellent) in its ability to meet ongoing insurance obligations.
Looking up J.D. Power and The General is not listed in the J.D. Power U.S. Auto Claims Satisfaction Study because it doesn’t have a large enough customer base to rank in the study.
The General’s customer complaints in the National Association of Insurance Commissioners database are 5.87, which is higher than the average of 1.0. If you look at Trustpilot, you can see that The General earned an “excellent” score of 4.7 out of 5.
Coverage
1. Liability Coverage
Liability covers other people’s vehicle repairs and medical bills after accidents that you were at fault. The costs of repairing any property damaged and the medical bills resulting from an accident are covered.
Almost all states require a minimum amount of liability insurance.
2. Collision Coverage
Collision coverage will cover damages done to your own vehicle if you’re involved in an accident with another car object, or you get into a single-car accident. If your car is totaled (totaled means the cost of repairs exceeds the value of the car) in an accident, collision coverage will pay the value of your vehicle.
3. Comprehensive Insurance
This insurance will cover the expenses of damages to your own vehicle that is caused by something other than an accident, like vandalism or a natural disaster.
Installing anti-theft and tracking devices can make this coverage more affordable. Still, comprehensive coverage can be costly, and it may not be necessary, especially if your car is easily replaceable.
Drivers who are financing or leasing the vehicle are required to carry comprehensive insurance.
4. Uninsured/ Underinsured Motorist Protection
This specific insurance will pay the medical bills and vehicle repairs if you’re in an accident caused by an uninsured motorist or a driver who doesn’t have enough liability insurance to cover your expenses.
Uninsured/Underinsured is mandatory in 20 states. You should know that this coverage is relatively inexpensive to add to your car insurance policy.
5. Personal Injury Protection (PIP)
After an accident, medical expenses for you and your passengers are covered if you have this coverage on your auto insurance policy.
The payments can include bills that are not included in health insurance, such as lost income, child care, or even a funeral.
6. Medical Payments Coverage
Medical Payments Coverage, commonly known as MedPay, covers the accident-related medical expenses for you, your passengers, your household members, and other policyholders.
This coverage type is very similar to personal injury protection, but is more limited.
7. 24/7 roadside assistance
This coverage is optional and will provide assistance if you get a flat tire, run out of gas, a tow or jump start, or lock yourself out of your car.
Tow services are to a nearby garage of your choice, up to a specified distance mentioned in your policy.
Progressive Roadside Reimbursement
9. Rental car reimbursement
When your car is being repaired under a claim, rental reimbursement will rent you another vehicle, so you wouldn’t be without a car.
Note that the amount of money your insurer will pay per day and the per claim is limited, but enough to cover a rental for the total amount of time your car is in the repair shop.
Discounts
Paid in full:
Paying your bill all at once instead of monthly will get you a discount on your premium.
Double deductible:
If you double your deductible for the first 45 days of your coverage, you will get a discount from The General Insurance Company.
Good student discount:
High school or college students with good grades will receive a discount on their premiums.
Driver training discount:
Additional driver’s ed classes can get you a discount.
Transfer discount:
Switching to The General from another insurance company, you can earn a discount on your car insurance.
Military discount:
Louisiana military personnel qualify for cheaper rates with The General.
* Also, motor club members may qualify for a discount.
