What Is National General Insurance?
If you’re shopping around for insurance, you’ve probably come across the name National General Insurance. But what exactly does this company offer, and why should you consider it over others? In this article, we’ll break down everything you need to know about National General Insurance, covering their services, pros and cons, and why they might be a good fit for you.
Let’s dive in and see if this provider could be your next insurance solution!
Who Is National General Insurance?
National General Insurance is one of the prominent players in the insurance industry, offering a broad spectrum of policies. Founded in 1939, this company, headquartered in New York, started as Motors Insurance Corporation, specifically catering to General Motors vehicle owners. Over time, it expanded its services to offer a variety of insurance policies for auto, homeowners, renters, RVs, and more.
In 2020, National General was acquired by The Allstate Corporation, further strengthening its position in the market. Known for its tailored policies and strong customer support, the company has built a solid reputation for serving diverse insurance needs.
Types of Insurance Offered by National General
One of the best aspects of National General Insurance is its broad range of coverage options. Here’s a quick look at the types of insurance policies available:
- Auto Insurance
- Collision and Comprehensive: Cover damages from accidents, theft, and natural disasters.
- Liability Coverage: Protects against claims if you’re responsible for an accident.
- Uninsured/Underinsured Motorist: Covers damages if the other driver lacks adequate insurance.
- Towing and Rental Reimbursement: Offers additional services in case of vehicle breakdowns.
- Homeowners Insurance
- Dwelling Coverage: Protects the structure of your home against damage.
- Personal Property Protection: Covers belongings like furniture, appliances, and clothing.
- Liability Insurance: Guards against lawsuits for injuries that occur on your property.
- Additional Living Expenses: Assists with temporary housing costs if your home becomes uninhabitable.
- RV Insurance
- Comprehensive and Collision: Covers repairs or replacement of your RV.
- Liability Coverage: Similar to auto insurance, covering damages if you’re at fault.
- Vacation Liability: Protects you if someone is injured while you’re using the RV.
- Personal Effects Coverage: Reimburses for stolen or damaged belongings within the RV.
- Motorcycle Insurance
- Bodily Injury and Property Damage: Coverage for injury and property damages.
- Collision and Comprehensive: Covers incidents like theft or accidents.
- Custom Parts and Equipment: Additional coverage for custom motorcycle modifications.
- Renters Insurance
- Personal Property Coverage: Replaces belongings like electronics, clothing, and furniture.
- Liability Insurance: Protects against lawsuits due to injury or property damage.
- Additional Living Expenses: Pays for temporary housing if your rental becomes unlivable.
- Health and Accident Insurance
- Short-Term Health Insurance: Temporary medical coverage for individuals and families.
- Supplemental Accident Insurance: Offers extra coverage in case of accidents.
- Dental and Vision Plans: Optional add-ons for further health coverage.
- Commercial Auto Insurance
- Ideal for businesses that rely on vehicles, covering commercial fleets or individual business-owned vehicles.
Why Choose National General Insurance?
Now that we know the types of coverage National General offers, let’s explore what sets them apart in the industry:
- Affordable Premiums: National General often provides lower premiums, especially for auto and RV policies.
- Flexible Coverage Options: From basic liability to comprehensive policies, you can tailor your coverage based on your specific needs.
- Specialized Insurance for RVs and Motorcycles: Few insurance providers cater to these unique categories, making National General a great choice for RV and motorcycle enthusiasts.
- Discounts and Benefits: National General offers a range of discounts for good drivers, low mileage, multi-policy holders, and more.
- Superior Claims Support: Known for their accessible claims process, National General is reputed for helping policyholders manage claims quickly and efficiently.
National General Insurance Discounts
Insurance premiums can be a bit heavy on the wallet, so here’s some good news: National General offers multiple discounts! Here’s a list of common discounts you might be eligible for:
- Good Driver Discount: Safe drivers get a discount on premiums.
- Multi-Vehicle Discount: Insuring more than one vehicle with National General saves money.
- Bundling Discount: Bundle auto and homeowners insurance to reduce costs.
- Paid-in-Full Discount: Pay the entire policy upfront and save.
- Low Mileage Discount: Drive less and pay less—ideal for those who commute short distances.
These discounts can help lower your insurance expenses without sacrificing coverage quality.
Pros and Cons of National General Insurance
Pros
- Variety of Insurance Options: Covering everything from autos to health plans.
- Competitive Rates: Known for offering some of the best prices, especially in auto insurance.
- Discount Availability: Many ways to save with discounts.
- Flexible Policy Customization: Policies that fit your specific requirements.
Cons
- Mixed Customer Service Reviews: While some praise the claims process, others report longer response times.
- Limited Availability: Certain policies may not be available in every state.
- Premium Increases: Policyholders report occasional rate hikes upon renewal.
FAQs About National General Insurance
Q: Does National General Insurance cover rental cars?
Yes, National General provides rental car coverage if your insured vehicle is being repaired due to an accident.
Q: How can I file a claim with National General Insurance?
You can file a claim online or by calling their 24/7 claims hotline. National General aims for a smooth and hassle-free claims process.
Q: What types of payment plans does National General offer?
National General offers flexible payment options, including monthly, quarterly, semi-annual, and annual payment plans.
Q: Does National General offer roadside assistance?
Yes, roadside assistance is available as an add-on for auto, RV, and motorcycle policies.
Q: Is National General Insurance a good option for high-risk drivers?
National General is known for offering coverage to high-risk drivers who might struggle to get insured elsewhere.
Final Thoughts on National General Insurance
Choosing an insurance provider is a big decision, and National General Insurance has a lot to offer. With competitive pricing, a wide range of coverage options, and the flexibility to customize policies, it’s a solid option for anyone looking to secure reliable insurance. Just be sure to review your needs carefully, assess available discounts, and check if the specific policies you’re interested in are available in your area.
While National General is especially strong in auto and RV insurance, it’s also worth considering for health, homeowners, and rental insurance. The balance of coverage options and affordable rates makes National General an appealing choice for many consumers.
Authoritative Links for Further Reading
- National General Official Site: www.nationalgeneral.com
- Insurance Information Institute: www.iii.org
- Allstate Corporation: www.allstate.com
