The General is not worth considering for drivers without high-risk issues, as their rates are not intended to be competitive for the general market. With a less than informative website, it is difficult to obtain a clear picture of what their products or services are or really cover. It is also difficult to determine how competitive rates are, even for non-standard drivers. This is due to the fact that the quoting system provides no information regarding the coverage and limits being quoted.
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I do not have any at fault claims on my insurance history. I have auto withdraw for my payments. I got The General because I bought my current vehicle at night late and the general allowed me to get the insurance online right away. I have had Geico in the past and I was going to go back to them before the next month bill came due. Well I'm going through a divorce and at that time he was making life difficult so I didn't get around to it. My oldest son moved back in with me so we just put him and his car on my insurance. I figured I would just change insurance back to Geico when he moved out. Well last weekend my son got into an accident. I'm not happy with the claims department and their process. Today I decided that I'm not happy with this company so now would be a good time to go back to Geico.
The General provides insurance for high-risk drivers. If you have a hard time finding coverage elsewhere, just being able to obtain insurance may be a big draw. But the cost of such insurance can be steep — and we don’t just mean premiums. Insufficient coverage means that you might end up paying extra for accidents that you’re involved in, not only to cover costs for expenses like medical bills or property damage, but also because The General may not pay out as much as you need for repairs or claims.
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.
I LOVE USAA! I am surprised it’s not higher on that list. I had Allstate and they never fought for me or my family even though we were paying more than we are paying now. Over where we are at, the speed limit for the highway is 70. There was hardly anyone on the road so my husband drive on the far left since there is a lot of exits in the far right lane. This woman pulled out in the far left lane doing 20. My husband didn’t have time to break because she pulled out right in from God us with no turn signal. But Always was already assuming it was his fault even though they can review the car to see how fast he was going and who was in the wrong. I am glad we dropped them and moved to USAA. They are the best!
Watch out for GEICO especially when changing coverages. I have learned the hard way that you can’t trust them to get your changes correct. I was just hit in the rear while stopped at a stop sign. I am trying to go through the collision coverage I am supposed to have only to have GEICO tell me that I removed this coverage a few months ago. The fact of the matter is I did not remove this coverage and never would have done that or agreed to that. Trying to reason with them has been an exercise in futility so far with a supervisor trying to put the onus on me for the problem. I am currently awaiting their final position on their review of this matter, but whatever the outcome I now know I cannot relie on them to get things right and I will always have to check on them. The mistakes they make hurt you, not them.
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.
The General Auto Insurance Company is a non-standard auto insurance carrier. If you’ve had a lapse in your auto insurance coverage, have less than perfect credit, are a high risk driver or need SR-22 insurance; The General may offer you insurance when others won’t or at a more affordable rate. For drivers with good records, the rates are substantially higher. One of the good points about The General auto insurance policy is that you are often able to pay your premium payments in affordable monthly installments with low down-payment options.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.