The General Insurance Co. advertises their customer service is rated highly…. WRONG – one of their insured vehicle was driven by a drunk driver… left the road way, crossed over on coming traffic, crashed into my parked car, taken to jail by sheriff’s, police report taken. They did nothing to track down their insured to get a report. They would do nothing without a statement from their insured…I personally had to go find their insured which was not hard… I drove to their home. I took with me a document and ask the insured to sign which stated she knew the insured vehicle was driven by her friend, and that she felt her insurance co should honor her policy. Then needless to say had to fight them tooth and nail to get them to pay the claim to replace my car as it was totaled.
Customers have also been quick to note that when they needed The General to come through, it either failed to do so or provided an insufficient and unsatisfactory resolution. For repairs, this means you may not get the amount you need — several people report sending over bills from repair shops only to receive compensation that was less than half the actual cost. Refunds for contested fees were also hard to come by, even if there was no history of driving violations or accidents.
Personal Injury Protection covers you and your passengers in the vehicle, without any standard deductible to pay before it pays out. It can cover the hospitalization and rehabilitation for you and your passengers, up to the policy limits that you choose. PIP only applies towards medical expenses, not any property damage. PIP also covers substitute services if the auto related injuries prevent you from performing your standard household tasks.