Policies with very high deductibles are typically less expensive because the high out-of-pocket expense generally results in fewer small claims. In regards to health insurance, people who have chronic health issues or need regular medical attention should look for policies with lower deductibles. Though the annual premium is higher than a comparable policy with a higher deductible, less expensive access to medical care throughout the year may be worth the trade-off.
Many criticisms leveled against Allstate (and other insurers), including Barardinelli's book, involved the use of a software program called "Colossus" to process claims. In 2010, Allstate paid a $10 million fine to settle a lawsuit brought by 41 states concerning inconsistencies in the manner in which Colossus was used. It also agreed to standardize its use of the software. However, “it is important to note that we found no systemic underpayment of bodily injury claims,” New York Insurance Superintendent James J. Wrynn said in a press release.
24/7 Roadside Assistance: If you want roadside services, such as tire changes, battery replenishment, fluid delivery (gas, oil, etc.) or towing, you’ll want to purchase this optional coverage. The General’s roadside assistance is administered by Nation Safe Drivers (NSD). When you request roadside assistance, NSD will administer up to one service free of charge per instance. The towing service has a maximum benefit of 15 miles or $50, whichever is reached first. To request roadside assistance, The General’s customers can dial 1-800-338-2680.
I've been a customer of Allstate and Progressive, and I must say, neither of those big insurance companies compare to The General. Price wise, I'm more than happy with my policy. I'm constantly trying to cut costs and save money whenever possible, and The General allows me to do that when Allstate and Progressive wanted to basically charge me a ransom every month for any policy. So all in all, The General offers you reliable… read more
If paying the absolute minimum necessary for car insurance is something that's important to you, the General is definitely the way to go. I don't really drive a whole lot since I live in an area where most of what I need is within walking distance, so I didn't see the point in spending a huge amount of money on insuring a car I hardly use. The General offered me the lowest rate by a… read more
The General is great if you need a low cost and low coverage policy. They are cheap, but you also don't get much coverage. If liability is all you need, they are great. Don't be surprised though if you get into a wreck and find out stuff isn't covered or you don't have enough to cover the other person. I ended up getting sued for the extra amount that they didn't cover. While I eventually… read more
Review popular insurance companies' financial strength and claims satisfaction levels to better understand the level of service you'll receive. Claims satisfaction — assigned by J.D. Power — is rated on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Superior" to "Poor" — determines an insurance company's financial stability and ability to fulfill its policy and contractual obligations.
Jump up ^ In some cases, Allstate proposed settlement amounts as small as $50, asking claimants to "take it or leave it". The investigative report found that insurance companies often make it so expensive and time consuming to go to court to get full settlement amounts, that it would not be worth the victims time. The claims handled in the matter were very minor collision type losses that did not result in any ($0) damage to the car, and therefore was the insurance company protecting its assets and the premium paying public money, by keeping rates as low as possible."Auto insurers play hardball in minor-crash claims". CNN. 2007-02-09. Archived from the original on 2010-03-24.
Liability coverage is legally required in Texas and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Texas, the minimum is listed as 30/60/25 and explained below:
Deductible Waiver – Safety Equipment: The Deductible Waiver is an optional coverage that allows drivers to file a claim and forgo paying a deductible for repairs to applicable safety equipment. Currently, the Deductible Waiver applies to windshields, and door and window glass. Drivers without the optional coverage would have to pay their standard policy deductible to get this equipment repaired.
I just recently purchased a used car after nearly a year of not having one. I tried to get insurance with another company but due to a previous accident and ticket they couldn't help me. I needed to get insurance fast because I was already at the dmv and needed it so I could register my car. I remembered the General commercial and went on their online site. They were able to get me insurance… read more
Customers have also been quick to note that when they needed The General to come through, it either failed to do so or provided an insufficient and unsatisfactory resolution. For repairs, this means you may not get the amount you need — several people report sending over bills from repair shops only to receive compensation that was less than half the actual cost. Refunds for contested fees were also hard to come by, even if there was no history of driving violations or accidents.
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 are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.
The General doesn’t ask for any identifying information when you request a quote online. You’ll just need to answer a few questions about your driving history, vehicle, and basic personal information like age, gender, and marital status. The General claims that it takes less than two minutes to complete the quote process, and we found this to be an accurate estimate.
Overall, I would definitely say that the service The General has provided has been very good. I've been a customer for 2 years now, and I in no ways regret that decision to choose them. I used to have a larger company who offered a fairly competitive rate, but I've never found any other auto insurance quote even come close to what I pay The General each month. The customer service isn't any better than… read more
The policy limit is the maximum amount an insurer will pay under a policy for a covered loss. Maximums may be set per period (e.g., annual or policy term), per loss or injury, or over the life of the policy, also known as the lifetime maximum. Typically, higher limits carry higher premiums. For a general life insurance policy, the maximum amount the insurer will pay is referred to as the face value, which is the amount paid to a beneficiary upon the death of the insured.
With a $100 deductible on comprehensive and collision coverage, he would pay roughly $120 a month. Raising that deductible to $250 brought the bill down to about $100 a month. A $500 deductible reduced the monthly bill to $90, and a $1,000 deductible pushed it all the way down to $82. That means he could save $456 a year by choosing the $1,000 deductible instead of the $100 deductible — not a bad sum.
I love the General car insurance! When I first signed up, the process was easy and quick. The customer service representatives where polite and courteous. When I came into financial troubles, they worked with me and made me feel very important. I would recommend their services to everyone who needs any kind of car insurance. They try to match their competition and try to find all the discounts you qualify for. I am a loyal… read more
I recently had my insurance policy canceled with another company, which caused a whole bunch of issues for me. The biggest issue was that my license had become suspended. I fixed all my fines, and got my license back. When searching for a new car insurance company I tried many different companies, but no one really wanted to help me because of the recent suspension, or the prices were sky high. I came across The… read more
Each auto insurance company emphasizes its cheap rates. But as with any product or service, the cheapest car insurance option isn't always the best choice. Considering what's at stake, it's worth doing the research to find the policy that protects your vehicle adequately after an incident. Be patient and look for a great value, rather than settling for the cheapest auto insurance you find.
This is by far the lowest Car insurance I have found. I was only looking for state minimum coverage and wanted to spend as little as possible. After requesting quotes from many insurance companies, I was so happy to find The General. The entire process can be done online and was so easy. I would definitely recommend this company to anyone looking to save some money. They even give you the option to pay for… read more
Accidents can happen to anyone, and Allstate has an optional program called Your Choice Auto® in place that recognizes and rewards safe driving. We calculate that it costs about 12 - 18% on top of the standard policy premium, but can be a net 7 - 13% increase when factoring in the safe-driving bonus. Your Choice Auto allows qualified customers to save with the following features:
The Drivewise program is only available in 28 states at the moment, consisting of: Arkansas, Arizona, Colorado, Connecticut, Florida, Hawaii, Illinois, Indiana, Louisiana, Kentucky, Massachusetts, Maryland, Michigan, Minnesota, Missouri, Mississippi, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Utah, and Washington. To find out more, click on the previous link, or call the Drivewise Program Customer Service telephone number: 1-877-431-7670.
On June 21, 2018 Texas Governor Greg Abbott declared multiple Texas counties disaster areas due to the severe weather and flooding. As a result of the flooding and the displacement of Texas citizens, Combined Insurance customers residing in the Texas counties noted below may be eligible for a due date extension of their Combined policy renewal premium payments due, as well as any deadlines to submit claim proof of loss. Please contact Combined’s Customer Care Center at 800-225-4500 with any questions.
My husband and I had The General Insurance from 2009-2010, and--overall--we were pleased with the service/product. The application process online was not time-consuming. Applying for and purchasing a policy was as stress-free as we've ever had it, with regards to auto insurance. (This was mainly due to the fact that The General's website did our "legwork" and research for us--so we didn't have to)! Once our application process was complete, my husband and I were… read more
When comparing car insurance quotes, it helps to compare apples to apples; in other words, you want to be sure that the quotes you get are for identical - or at least very similar - auto insurance policies. Once you have a better idea of the type of coverage you’re looking for in a policy, this will be easy. To better understand coverage types start here
They put me in debt over $190, I'm only 20 years old. Had the insurance for less than a month, they were so nice when they were receiving my card number of course. But once I canceled to move onto a BETTER company they were no longer helpful, said I owed more money when it was paid and they sent what I refused to pay to collections. Of course the lady heard nasty words from me because she was honestly a **. To keep it real they screwed me over entirely. They are good with fraud, real expensive, and have no locations unless you’re in Kentucky I believe. So my opinion, they are trash. Everyone who works for them that I have experienced is rude as hell. They don’t care about anything about you besides the money you’re forking over. So I suggest you NOT consider them at any point. Disgusting company that should definitely not even exist. Thanks for reading.
Awful. I am losing my license for three months because of their horrible lack of customer skills and billing practices. But most importantly because they have liars for reps. They say that everything is fine we took care of it come to find out that was a lie. Wish I would have read these reviews before going with them. I will be seeing a lawyer about this lemon company. Anyone wanna join. I talked to other insurance companies and they are definitely in the wrong here. Run while you can. Pay a little more and go with a reputable company because these jokers need to be put outta business. I could only imagine if you got in an accident then you would really be in trouble.
The General Auto Insurance Company writes auto insurance exclusively. Its auto insurance policy is known for accepting high risk drivers and may offer them more affordable rates than they would receive with a standard or preferred auto insurance carrier. The auto policy offers bodily injury liability, property damage liability, comprehensive, collision, medical payments and uninsured motorist coverage (coverage options for uninsured motorist depends on state of residence.) SR-22 insurance is available for drivers who have to file a financial responsibility filing with their state of residence showing proof of insurance coverage.
There are a multitude of different types of insurance policies available, and virtually any individual or business can find an insurance company willing to insure them, for a price. The most common types of personal insurance policies are auto, health, homeowners, and life. Most individuals in the United States have at least one of these types of insurance, and car insurance is required by law.
The insurance policy is generally an integrated contract, meaning that it includes all forms associated with the agreement between the insured and insurer.:10 In some cases, however, supplementary writings such as letters sent after the final agreement can make the insurance policy a non-integrated contract.:11 One insurance textbook states that generally "courts consider all prior negotiations or agreements ... every contractual term in the policy at the time of delivery, as well as those written afterward as policy riders and endorsements ... with both parties' consent, are part of the written policy". The textbook also states that the policy must refer to all papers which are part of the policy. Oral agreements are subject to the parol evidence rule, and may not be considered part of the policy if the contract appears to be whole. Advertising materials and circulars are typically not part of a policy. Oral contracts pending the issuance of a written policy can occur.
Based on their long history, Allstate has the capability to change with the demands of the modern consumer and offer products to meet modern needs. Below we will cover several areas where Allstate is reviewed for financial stability and strength as well as customer satisfaction in areas such as claims and product offering. Scroll down to check the ratings and reviews that you are most interested in learning about for Allstate.