I have had Insurance with The General since July 25 of 2018. My problems with them came over Thanksgiving weekend of this year. I made my premium payment on the website on a Saturday and later that evening I was on the website and I accidentally made another payment and there was no way to cancel it, and since it was a non business day I had to wait till Monday to contact them. I contacted them on Monday to explain what happened and asked them to cancel that additional payment and they informed me that they cannot cancel the payment and I have to go to my bank and stop the payment. I did just as they told me to do, however the next day both payments attempted to clear the bank. One was rejected cause of the stopped payment with the fee for that the payment that was supposed to clear did not so that payment was returned as well.
Now flash forward present day. Last month I had a wreck. It was not my fault. I called USAA to get my rental covered because the cop wouldn’t give me the @ fault driver’s info said I had to wait for the police report. USAA informs me that I don’t have rental. Excuse me 3 months ago when I added collision I told you add rental & you said you would. USAA claims I did not tell them that, but I know I did because Roadside made it but not rental? Now mind you my Escalade is totalled. The frame is warped among many other things. I’m not @ fault & USAA (my own insurance company) tries to screw me? (The @ fault driver’s insurance company is someone I’ve never heard of but it’s not USAA) The adjustor says not totalled we’ll settle for 10Gs…. no I’m not settling for 10Gs on 50G+ truck especially with a warped frame NO WAY!! I’ve lost major retail value & nobody will buy it with the carfax that’s attached to it now.
Car insurance will prove a benefit if you ever experience a wreck, vehicle theft or other unpreventable problem on the road. The policy can help pay for such concerns as your own vehicle damage, injuries and related costs. Coverage can also pay for the damage you cause others if you are deemed at-fault in a wreck. With your policy, you can reduce your chances of significant financial losses after an unfortunate accident.
Had this company for years including coverage for my 21 Year son...not an easy feat to get reasonable prices, complete consideration by all employees and real people who meet all our needs when it really counts. Example..my son was in a total loss accident when hit (hit and run) on a busy freeway. He had minor physical injuries but Wawanesa came through providing everything we needed! We love Wawanesa.
The underinsured motorist coverage works similarly, but it would only pay out when you get hit by someone who does have auto insurance, but your bodily injury damages that they caused are more than they carry, leaving them underinsured. Just like your bodily injury, the UMPD would pay to fix the damage to your car caused by the other driver, and you only have to pay the $250 deductible.
Stay away from The General! They are denying paying for my claim, even though I have video proof of there insured running into me! Told me there insured should of of paid attention and not ran into me!!! This company is a joke and are just taking people premiums and not paying out on claims! Looks like this is common practice for these guys! Now off to court! Shaq really let me down on this one!
I would give them no stars if I could. This company is horrible. I and my husband went to change our insurance from our separate policies into a combined policy and signed up with them on June 8th. We were offered a better-combined rate to stay with Geico so we faxed in cancellation on the 11th three days into the policy after paying original $90 to sign up. We called to see if there would be a refund, and got a big Fat NO!! Apparently, in the fine print, they keep 10% of your original premium which was $67 then charged us another $15 to process that and the remaining $7 was applied to the three days we actually had a policy!! Make [redacted] sure to read the fine print on this policy before buying. We basically paid $90 for three days worth of insurance.
USAA use to be a reputable company however in pass years their level in integrity customer service has declined tremendously. Lack of due diligence poor laziness. I am so ashamed for them. I have been a member for over 12 years no more. I am in the process of moving all my accounts and severing all ties. Yes it is that bad. It is time consuming but 200% necessary unfortunately. I will not share each negative and compromising act they did but I do not trust them. If you want your own horrible experience please join and find out.
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.
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