{"id":15642,"date":"2022-08-29T10:00:00","date_gmt":"2022-08-29T10:00:00","guid":{"rendered":"https:\/\/worldscholarshipforum.com\/wealth\/?p=15642"},"modified":"2022-08-29T13:32:19","modified_gmt":"2022-08-29T13:32:19","slug":"the-general-insurance-company-review","status":"publish","type":"post","link":"https:\/\/kiiky.com\/wealth\/the-general-insurance-company-review\/","title":{"rendered":"The General Insurance Company Review | Legit Or Scam?","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"\n

General Insurance came into existence in 1963 and is reputable for providing a wide range of insurance for different types of drivers. For drivers with tickets on the record, General Insurance is their best choice. The company has a variety of flexible plans and affordable rates that are suitable for those with bad driving records.<\/p>\n\n\n\n

General Insurance provides an opportunity for those without a perfect driving history to access insurance policies that satisfy the general requirements of the state. <\/p>\n\n\n\n

Thus, those with DUI records or at-fault accident records can still gain access to some kind of license that meets state requirements. <\/p>\n\n\n\n

Nonetheless, its coverage options are limited and its insurance policies may be on the high side. For example, drivers with DUI issues can get up to a $410 hike on their policy rates per month.  <\/p>\n\n\n\n

Note that the minimum policy requirements may differ from one state to the other. For some states, only liability insurance is required while other states may require other coverages like personal injury protection and uninsured motorist insurance.<\/p>\n\n\n\n

According to General Insurance reviews, the company promises to provide affordable coverage to high-risk drivers. Since the company specializes in writing nonstandard rates, its rates are usually higher than other companies writing standard rates like Progressive insurance. <\/p>\n\n\n\n

 If you are seeking to understand if it is possible to even acquire insurance, even with bad driving records, or if the promises of General Insurance are a hoax or scandalous, continue reading till the end to find out more about General Insurance.<\/p>\n\n\n\n

General Insurance Over the Years<\/strong><\/span><\/h2>\n\n\n\n

Founded in 1963 as a Paramount General Agency, the company began its business by selling products under the name Paramount General Assurance Corporation (PGAC). <\/p>\n\n\n\n

In 1997, the company adopted the name General Insurance. However, the company continued to use the name PGAC in all its official dealings.<\/p>\n\n\n\n

In 1998, American Family Insurance purchased the company and continued to run it as an individual entity. General insurance has its headquarters in Nashville, Tennessee. <\/p>\n\n\n\n

Over the years, the company has grown and today, customers can purchase policies online, via a phone call, or through an independent insurance agent.<\/p>\n\n\n\n

General Insurance has service stations in many states. However, its service covers more than the company\u2019s number of service stations. The company stands out for making it easy for customers to access an SR-22 form. <\/p>\n\n\n\n

However, the services are not cheap. Customers seeking SR-22 insurance at low rates may want to look for other alternative options as General Insurance can be on the high side.<\/p>\n\n\n\n

Read: Ambetter Health Insurance Review 2022| Pros & Cons | Legit & Scam<\/a><\/p>\n\n\n\n

How General Insurance Works<\/strong><\/a><\/span><\/h2>\n\n\n\n

When looking for car insurance, it is essential to have a good idea of what a car insurance covers and the essential covers the state requires of you before making payment. <\/p>\n\n\n\n

There is no specific coverage known as full coverage. Instead, it is a combination of different policies like collision, liability, and comprehensive insurance. <\/p>\n\n\n\n

Therefore, it is essential to understand the different types of insurance available at General Insurance and how they work. <\/p>\n\n\n\n

General Insurance offers the majority of the policies available with the traditional coverage.<\/p>\n\n\n\n

Insurance Policy<\/strong><\/td>Purpose<\/strong><\/td>Required or Not?<\/strong><\/td><\/tr>
Liability for bodily injury and damage to property liability<\/td>Covers the cost of taking care of injuries or death, and damage to property from an accident.<\/td>Yes, most times<\/td><\/tr>
Uninsured or underinsured motorist policies<\/td>Takes care of medical bills and property damage costs in case of an accident with a driver that does not have sufficient insurance or no insurance at all.<\/td>Often necessary<\/td><\/tr>
Collision policy<\/td>Takes care of the cost of repair from traffic-related accidents, irrespective of who’s at fault.<\/td>May be required for a car lease or loan<\/td><\/tr>
Comprehensive insurance policy\/coverage<\/td>Takes care of repair costs arising from circumstances outside of your control. E.g. weather, theft, running into an animal while in motion, vandalism, etc. <\/td>May be required for a car lease or loan<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Table showing the common types of car insurance and their purposes.<\/em><\/strong><\/p>\n\n\n\n

1. SR-22 Insurance Policy<\/strong><\/span><\/h3>\n\n\n\n

The SR-22 is a document that shows that a driver has adequate car insurance. <\/p>\n\n\n\n

Depending on your state, you may be required to file an SR-22 in the case of DUI and other serious traffic-related offenses like driving without insurance or driving without a license (for a person whose license was recently revoked or suspended).<\/p>\n\n\n\n

2. Custom Equipment Policy<\/strong><\/span><\/h3>\n\n\n\n

For those with cars that have custom parts (not included in the original design of the car by the manufacturer) like custom wheels, spoilers, paints, camper shells, and other parts, the custom equipment policy will cover damage to any of these parts to the sum of $5,000 maximum.   <\/p>\n\n\n\n

3. 24\/7 Roadside Assistance Policy<\/strong><\/h3>\n\n\n\n

Nation Safe Drivers (NSD) is in charge of administering General Insurance 24\/7 Roadside Assistance Policy. They also provide 24\/7 towing assistance for cars that break down on the roadside due to operational issues.<\/p>\n\n\n\n

4. Rental Reimbursement<\/strong><\/span><\/h3>\n\n\n\n

For those involved in an accident and their cars decommissioned for repairs, this policy will cover the expenses for renting a new car. <\/p>\n\n\n\n

Rental Reimbursement comes with per day limit and has a cap on the number of days a driver can access the service.<\/p>\n\n\n\n

5. Towing and Labour<\/strong><\/span><\/h3>\n\n\n\n

In case a driver\u2019s car breaks down and requires towing, this option covers the cost of towing. <\/p>\n\n\n\n

Drivers who sign up for this policy have the choice to decide the limits General insurance will cover for this kind of situation.<\/p>\n\n\n\n

Read:\u00a0Best Car Insurance Companies In 2022<\/a><\/p>\n\n\n\n

Can You Save Money with General Insurance?<\/strong><\/span><\/h2>\n\n\n\n

The answer is yes. Like other insurance companies, there are ways you can access discounts with General Insurance. A driver can access discounts in two major ways from General Insurance and they are:<\/p>\n\n\n\n

#1. Discount by Policy<\/strong><\/span><\/h3>\n\n\n\n