National General Insurance Company

Company Name: National General Insurance Company

Headquarter: 59 Maiden Lane

New York, NY 10038, US

Founded: 1939

Description: Property and Casualty

License Number: B424241

Website: nationalgeneral.com

Company size: 5001-10,000 employees

Type: Public Company

Licensed for- All 50 states

national general insurance company

Am Best Rating: A+

NAIC Number: 23728

Claim Information: Go to Website (Claims Page)

Claim Phone Number:(800) 325-1088
Phone Number: 336-435-2838

To Get A Quote Call 1-800-462-2123

Pros of National General Insurance Company

  • Online policies are possible in certain states-You can obtain a quote online and buy your policy in some states. This allows you to quickly get coverage.
  • Claims satisfaction guarantee-National General will waive any deductible if you are not completely satisfied with the claims process, up to $250. All states, except Washington, offer the claims satisfaction guarantee.
  • SR-22 forms available-Drivers who have had their driving privileges suspended in certain states may need to file an SR-22 Form, a Financial Responsibility certificate. This form certifies that your liability is minimal. National General can file the SR-22 for you with your state licensing authorities if necessary.

Cons

  • Rates higher than average-National General is more geared towards high-risk drivers than the industry average, so its rates are often much higher than the industry average. You can probably find lower insurance elsewhere if you have a clean driving history.
  • Low customer satisfaction ratings-The J.D. survey gave National General dismal scores. The 2019 U.S. Auto Claims Satisfaction Survey by Power. In terms of rank, it is last among 24 car insurance providers.
  • There are many more complaints than what is normal.-National General’s 2020 overall complaint ratio is nine times greater than the national index. This means that the company received more complaints than similar-sized companies.

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Factors that Affect Your Cost

National General, like other insurance companies, bases your insurance premiums on several factors including your age, gender and driving record. National General is known for its high rates of coverage for customers with less than perfect driving records.

Products offered by National General Insurance company:

  • Auto Insurance.
  • RV & Motor home Insurance.
  • Motorcycle Insurance.
  • . Home Insurance.
  • Accident & Supplemental Insurance.
  • Property Insurance.
  • Lender Placed Insurance.

National General insurance company specializes in “high-risk” drivers and claims to offer affordable rates to first-time DUI offenders who’ve completed a safe driving and substance abuse therapy program. National General policies are available online as well as through independent agents.

The company still offers a variety of products and discounts. However, the company has more auto insurance complaints than expected for its size.

National General insurance company provides basic car insurance, as well as these extra benefits:

Customer satisfaction guarantee.National General will waive a portion of your deductible (upto $250) if it isn’t satisfied with the claims service. Washington does not have this option.

Emergency expense allowance.National General provides coverage for food, lodging, and travel expenses up until a daily limit. This ensures that you are not left without a source of income after a covered claim.

SmartValet. After submitting a claim, you can have your car picked up and rented. After your vehicle has been repaired, National General will deliver the car to you. To use this service, you must have rental reimbursement coverage.

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How can you get National General auto insurance discounts?

  • You must pay your premium upfront.
  • You insure more than one vehicle.
  • In certain states, you may need to complete a defensive driving course.
  • Use electronic devices to track your miles.
  • Member of certain organizations.
  • Multiple policies can be combined with National General
  • Going paperless.
  • Your car should have anti-theft features.
  • Automating payments

Smart Drive National General: An app allows you to monitor your driving habits through an app installed on your phone. You may be eligible for lower rates if you drive safely when you renew your policy. Rates could rise if you have bad driving habits such as speeding, hard braking, and distracted driving.

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National General complaints and customer Satisfaction

According to data from the National Association of Insurance Commissioners, National General received far more complaints about auto insurance than it was expected to receive. This is despite being larger than its size.

The national complaint index is 1.0. A company with a complaint ratio greater than 1.0 will receive more complaints than is normal for its size. A ratio lower than 1.0 indicates the opposite. National General’s 2021 complaint ratio for private passenger auto insurance was 9.26. This is more than nine times greater than what was expected on the market.

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