The General Auto Insurance Company writes auto insurance exclusively. Its auto insurance policy is known for accepting high risk drivers and may offer them more affordable rates than they would receive with a standard or preferred auto insurance carrier. The auto policy offers bodily injury liability, property damage liability, comprehensive, collision, medical payments and uninsured motorist coverage (coverage options for uninsured motorist depends on state of residence.) SR-22 insurance is available for drivers who have to file a financial responsibility filing with their state of residence showing proof of insurance coverage.
I just switched to Geico because of these comments. I thought the whole, "save you more money, " marketing was just a gimmick, but I really did save money. My bill has gone down! I'm paying less for 2 vehicles than I was for 1 vehicle with another provider, same features! I spoke with 3 different people, and all of them were great, and personable. I didn't feel like just another number. Awesome rates, awesome service. Highly recommended.
Now as to Hartford, I have had them for years and claims for uninured motorist on my car ins and for storm damage on my roof due to large hail. Both claims settled satisfactorily. Cost to the company will never be recovered thru cost of my policies. Also policy cost is in line with other large companies but defiantly not cheap. I just received a quote from Liberty Mutual on my car insurance $400 less that Hartford. However the agent seemed reluctant to send me the quote via email. I thought this strange since I wanted to verify the coverage was he same as I have, he said I just reviewed the coverage (via phone call) to which I replied I didn’t record the conversation so please send me an email detailing the cost and coverage, He stated he would but that was a couple hours age and still haven’ heard back. Go figure.
The experience with The General has been ok. I do not feel extra special when I go there. It is like a number being pushed through and that is it. The insurance does what it needs to do, but there is nothing "wow" or I don’t get major perks. I would change, but the price is keeping me from switching for the time being. So the policy is ok, the pricing is good.
My daughters parked car was hit, from a claimant from General who failed to report it. It took approximately 20 phone calls and multiple emails and texts to get the ball moving to get a claim submitted. After the car was looked at by an adjuster a estimate was submitted. After reviewing the estimate General slashed the estimate in half ( took off $1,100 dollars). They attempted to use sub-standard parts to make the repair. Needless to say this was by far the worst experience that I have ever had with an insurance company. I pray that I never have to deal with General again. Signed , an extremely frustrated and irritated car owner. This was truly a hellish experience!
The General, under Permanent General Companies, Inc., is BBB accredited and has been since 2005. The website gives the company an A+ rating. There are a total of 176 complaints against the company in the past three years, with 64 of those complaints closed in the past 12 months. Those numbers are a little high, but not alarming for a company of this size. There are no government actions or other major problems listed.
I have had car insurance for a year with The General. I was involved in an accident where another vehicle ran me off the road. The police could not determine what exactly happened but I was not charged with anything. The General would not file my claim as uninsured motorist, which I can kind of understand but they are now refusing to pay my medical bills as well. Is this even legal? Don't they have to cover my medical expenses?
So I canceled my insurance on 9/14/2018, I paid $491 I canceled the same day after I made the payment because I found cheaper insurance. Within the same day of my cancelation, the General said they couldn’t give me my money back. When I called, the agent was very rude and said I wouldn’t get my money back and that I owed $28 to them still. They said that it was my balance after cancelation. What should I do and who should I contact to get my $491 back?
Saved me $370.00 on a three car policy and have nad no problems with the two claims I had within the last three years. Easy to work with on the phone or on line, you can choose your own repair shop and they will back you if the repairs are not correct. Had State Farm before and they did not have a firm handle on my account. I was recieving notification of changes constantly, $11.00 here and $14.00 there. When I would call to inquire, If I could get through they were never sure or justify why the small changes. They took all my pocket change, will not go back, I found a new home after years at SF.
DO NOT GET THIS INSURANCE! BEWARE! I got the General Insurance in Feb 2018 and paid $198/month. It was affordable and everything was great UNTIL I HAD AN ACCIDENT in November 2018. The adjuster was RUDE to everyone, including the Auto Body shop, refused to return calls and hung up on people. My claim was then transferred to a 2nd Adjuster mid-process and I NEVER received any calls at all from the 2nd guy. The only communication I got from him was via mail.
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USAA’s adjustor knew he messed up big time. He told me that & I said no I don’t agree & I’m not accepting that, so, I guess you need to finish this conversation with my lawyer. He promptly snarkily replied we can’t talk if you have a lawyer… I said I guess we can’t talk then here’s his number & hung up. I think he had enough time to Google my lawyer & he called me back to back 3x. The 3rd one I said you said we can’t talk so we’re not talking. You are finishing it with my lawyer… click. I’m done messing around @ this point. I hurt. I can’t get to my follow-up doctors appointments & they’re trying to screw me out of fair market value for my truck. Just no way.
Do not get this coverage. They hide fees from you, make changes without your consent and will keep ALL of your money when you cancel. They have also falsified communications - no verbal contact with me occurred, yet in the system I spoke to their representative twice. I got a quote, paid the whole amount the same day. General increased the premium 3 weeks later saying they did receive the document they need. If this isn't a scam, I don't know what is!
I was with Liberty Mutual for about 15 years and was very satisfied with their prices and service, although I never filed a claim. When I retired and moved from California to Florida, my auto rate went up a ridiculous amount, to almost $10,000 a year even though I had no accidents and one minor moving violation in the last ten years. On top of that, Liberty Mutual screwed up my umbrella policy and told me it was “unenforceable,” whatever that means, but I had to pay for the policy anyway up to the time I canceled and switched to Progressive, which cost about one third the cost of Liberty Mutual for an identical policy. Even good companies change over time.
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