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The General Insurance Review 2019: Complaints, Ratings and Coverage

March 22, 2019
Auto Insurance, Insurance
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  • The General has more complaints than the median, relative to its size.
  • Financial strength is excellent.
  • Issues SR-22 forms in most states.

Anyone can get car insurance from The General, but it’s best suited to those who need proof of insurance quickly or who have poor credit or a bad driving record, which could include at-fault crashes, moving violations or a lack of continuous auto insurance coverage.

The General auto insurance

A quote from The General includes the minimum level of car insurance required to drive legally in your state. In many states, this means only liability insurance. In some states, additional coverage such as personal injury protection and uninsured motorist insurance is required.

Unlike most of its competitors, The General doesn’t include information about optional coverage on its website. You’ll likely have to get a quote to find out those details.

Double deductible is an optional discount that doubles your deductible for comprehensive and collision coverage, if you purchase it, for the first 45 days of your policy. You can only do it once, when you purchase your policy, and the discount may not be available in some states.

SR-22 insurance forms: The General can provide an SR-22, a document that proves you have sufficient car insurance. Your state might require you to file one if you’ve been convicted of a DUI or another serious traffic offense, such as driving without insurance, or if your license recently was suspended or revoked.

» MORE: Compare car insurance

The General at a glance

Financial strength: A (“Excellent”)

The General’s financial strength is “excellent,” according to ratings agency A.M. Best. Financial strength is important because it indicates how well an insurer can pay claims. It’s not an indication of customer satisfaction with claims.

Complaints

The General had more than the median number of complaints to state regulators in 2018 relative to its size, according to the National Association of Insurance Commissioners.

Availability

More about The General

Website: The General’s MyPolicy Self Service platform allows customers to manage basic aspects of their policies online, including:

  • Making payments.
  • Getting an auto insurance ID card.
  • Making policy changes.
  • Viewing policy contracts, applications and other documents.

The General’s mobile app offers the same functions as the MyPolicy platform, plus on-demand phone support and the ability to file a claim.

Other insurance: The General provides only auto insurance. If you start a quote on its site for another type of insurance, you’ll be directed to one of its partners or another quote tool.


NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Lacie Glover