National General Insurance: A Comprehensive Overview

National General Insurance, formerly known as GMAC Insurance Group, stands as a unique player in the United States, born within the automotive industry. Its storied history traces back to 1920 in North Carolina when Integon, a life insurance company, was founded. This inception eventually led to the emergence of National General Insurance and the establishment of Motor Insurance Company in 1925, under the wing of General Motors. In 1969, Integon evolved into a holding company and embarked on the journey of insuring high-risk drivers. By 1997, GMAC had acquired the company, and in 2013, it adopted the name National General Insurance. Today, the National General Insurance Group ranks among the largest automobile insurers in the United States, offering a diverse range of property and casualty products. The Moving Company Insurance reaches its customers through a network of over 10,000 independent agents and brokers across the nation.

Common Questions about National General

What does National General auto insurance cover?

National General auto insurance provides a comprehensive set of coverages, including:

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Medical Payments
  • Uninsured and Underinsured Motorist Coverage
  • Personal Injury Protection

How to save on insurance National General?

National General offers various discount options to help reduce your Moving Company Insurance premium, including:

  • Paid-in-Full Discount
  • Multi-Vehicle Discount
  • Safe-Driver Discount
  • RVs and autos on one convenient policy
  • Motorcycle Discount
  • Low Mileage Discount
  • Affinity Discount
  • Multi-Policy Discount
  • Paperless Discount
  • Anti-Theft Discount
  • AutoPay Discount

What is the National General Insurance cancellation fee?

To cancel your National General policy, you should contact customer service or get in touch with your agent. Cancellation of a policy before its term expiration may result in a cancellation fee.

Does National General Insurance cover towing?

National General Insurance offers optional roadside service and towing to a repair facility or gas delivery (excluding the cost of gas) for any covered vehicle up to the specified limit. Additionally, it provides complimentary towing and storage for all covered vehicles involved in an accident.

What does National General Home Insurance cover?

National General’s home insurance offers comprehensive homeowner coverage, including:

  • Guaranteed and Extended Replacement of Your Home
  • Restore with Sustainable Materials
  • Coverage for Belongings Beyond the Home
  • Protecting Your Identity, including Identity Theft 911® service

Does National General homeowners insurance cover flood?

National General offers Flood Insurance as a separate policy. This specialized insurance protects against natural disasters and provides coverage for both the structure and contents of your home.

What is the National General Insurance rating?

National General Insurance boasts a financial strength rating of A– (excellent) from A.M. Best and an A+ rating from the Better Business Bureau.

What does National General Business Insurance cover?

National General’s business insurance encompasses a range of coverage types, including:

  • General Liability
  • Business Owners
  • Professional Liability (E&O)(D&O)
  • Workers’ Compensation
  • Employment Practices Liability Insurance (EPLI)
  • Commercial Umbrella
  • Commercial Property
  • Commercial RV
  • Cargo Coverage
  • Liquor Liability Insurance

How big is National General Insurance?

National General Insurance is a substantial company with approximately 7,570 employees. It holds a 1.05 percent market share in the U.S. auto insurance market, with $2,236,697 in direct written premiums, ranking 17th out of 25 U.S. auto insurers by market share.

What are some benefits National General Insurance offers for business owners?

National General’s Small Business Auto Insurance offers several advantages, including coverage for various vehicle types, dedicated specialists to help you choose the right coverage, guaranteed collision repairs, and a range of discounts. They also offer a claim service satisfaction guarantee.

What does National General Health Insurance cover?

National General offers short-term health insurance, which covers essential benefits such as doctor visits, preventive care, hospital care, ambulance coverage, and surgery. It does not provide coverage for normal pregnancy, prescription medications, or pre-existing conditions.

Where is National General Insurance accepted?

In 50 states across the United States National General Insurance is accepted.

Is National General health insurance good?

National General health insurance is a viable choice for short-term plans, known for its affordability and flexibility.

What are the National General Insurance reviews?

In J.D. Power’s 2017 Auto Insurance Study, National General Insurance ranked 11th out of 15 insurers surveyed in the Southeast Region. It scored about average for overall customer satisfaction, billing, pricing, and policy offerings.

National General Auto Insurance Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Comprehensive Coverage
  • Collision Coverage
  • Medical Payments
  • Personal Injury Protection (PIP)
  • Additional Equipment Coverage
  • Uninsured/Underinsured Motorist

National General Auto Insurance Rates by State

Average rates with National General vary by state. On average, the National General charges approximately $521.65 per month. Rates can be as low as $0.00 per month in states like Washington and Pennsylvania, while the highest average rate is in Florida, at $896.81 per month.

National General Auto Insurance Rates by Vehicle

Drivers insuring multiple vehicles with National General can typically receive a discount. Rates for drivers with more than one vehicle vary.

National General Auto Insurance Rates by Homeownership

Customers who own their homes, rather than renting, may receive a small discount. On average, National General charges $275.43 per month for homeowners and $549.18 per month for renters.

Conclusion

In conclusion, “National General Insurance: A Comprehensive Overview” provides a thorough exploration of this insurance company’s history, products, and services. We’ve delved into its commitment to customer satisfaction, its wide range of coverage options, and its dedication to innovation. National General Insurance stands as a reliable and customer-centric choice in the insurance industry, offering peace of mind and protection to individuals and businesses alike.

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