The website also lacks information regarding available discounts on auto insurance policies, although it does state that there is a paid in full discount. There is no sign of any of the more common trends in auto insurance such as accident forgiveness, although again, that’s not surprising considering the target market for The General auto insurance.
The General also has some red flags when it comes to its financial solvency. While A.M. Best awards an “Excellent” financial strength rating to The General's parent company, American Family Insurance, The General itself isn't rated by agencies like like S&P Global and Moody’s. In fact, it has no ratings of its own — from any agency. The Insurance Information Institute recommends choosing providers with multiple financial strength evaluations, so this complete lack of evaluation gave us pause. While The General may still have the ability to pay out on claims, it isn’t backed with the same confidence as companies with many financial strength ratings.
They say month to month. They cancel you if payment is not made on due date. But still take your money after due date. Was late on payment. Made payment over weekend. Had an accident over weekend and now my claim was denied. Because they didn't get it till Monday. But thank me for my payment that Saturday for payment. Bottom line - don't make any payments over the weekend with the General. RIP to the General. No car and lawsuit from other driver insurance company. Stressed. Don't know what to do. Merry no Christmas to my grandchildren.
Matthew thanks for posting this. You’re absolutely right. USAA has gone down the tubes, I dont get it, a simple claim recently for auto, turned into a nightmare. bouncing my calls all over the country with a bunch of idiots for claim reps answering the phones, and forcing my car into total loss when it should not have been, and paying only a portion of the damage even though I have collision.
Crooks demanding I pay for expired Auto Insurance when I have clicked the cancel my policy button because I found a cheaper yet better insurance company. I call the representative, they said it’s not showing up in our system and they demand I pay $30 or take a hit on my credit score???? [Redacted]!!! I recommend Adriana’s insurance for what you are paying here at least they offer uninsured motorist
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.
I've been with them a year and we have now switched. Our policy had lapsed so we paid the past due, got caught up, and thought we were good. NOPE. Found out in April that my license was suspended! Why? Because the General didn't bother reporting to the state that I was insured! Had to pay to get reinstated. So we have a jeep that stopped working. My husband called to have it dropped. Apparently they dropped my car as well. I just got pulled over earlier for not having insurance! My husband has been paying them. I now have to get my license reinstated AGAIN!
I have been a GEICO customer for about least 15 years. Claims and customer service are not the issue with them. After said years of faithfully paying my insurance on time and renewing each year I accidently back into a car in my driveway. The cars were repaired without incident. However, GEICO penalized me by taking away my good driver discount and increase my monthly insurance rate by nearly $100.00 ; leving a hefty penalty for making a claim. I can’t imagine the money they made off of me during the 15 years I’ve faithfully paid auto insurance. I am hunting for a new auto insurance carrier since GEICO obviously thinks driving is perfect and accidents never happen.
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!
The General is known for insuring high-risk drivers who may face high premiums or have trouble finding insurance elsewhere. This makes it attractive for customers with poor credit or an extensive accident history. Choosing such an insurer comes with some significant drawbacks: While most drivers will be able to get coverage, they’ll likely face steep rates with minimal protection.
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.
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.
Please note that this website provides only a summary of auto insurance, written to illustrate in general terms how auto insurance works. Your insurance policy is the legal contract that contains the terms and limitations of your coverage. You should carefully review the contents of your policy. All products and coverages are subject to availability and limitations. Whether an accident or other loss is covered is subject to the terms and conditions of your insurance policy.
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.
Rental Reimbursement is an optional coverage that you can pay for, in the event that your car is in the shop due to a covered accident, and you still need to get to work or perform your daily tasks. There are different limits that you can choose from to be properly covered when renting another car. Rental car coverage can add up quickly after an accident, and this additional coverage might be worth the extra cost after an accident.