Tips on Filing Claims Against The General Insurance

Background on The General

Famous for their advertisements featuring Shaquille O’Neal and a cartoon military general, The General has been around since 2000. Prior to that, their parent company sold insurance under the name Permanent General Agency as far back as 1963. The company is headquartered in Nashville, Tennessee. The General is prevalent in Louisiana, Texas, Ohio, Arizona, California, Colorado, Florida and Georgia.The General is a subsidiary of PCG Holdings Corporation which is an affiliate of American Family Insurance since 2012.

Insurers of High-Risk Drivers

The General focuses primarily on the nonstandard auto insurance market–that is, they focus on selling insurance to people who may not qualify for insurance from larger standard insurers due to having a bad driving record, being inexperienced drivers or otherwise being considered high-risk drivers by the big auto insurers. According to their own website, they “accept most drivers” and offer low down payments and monthly payments.  This type of marketing confirms that The General targets the nonstandard insurance market.

Minimum Limits Policies from The General Insurance

Anytime an insurer is targeting the bad driver market, it is safe to assume that you are not likely to find a driver who has more than a bare-bones minimum limit liability insurance policy.  Insurers aren’t stupid. They tend to offer bad drivers just enough to comply with the minimum legal requirements.  PIP, UIM and UM insurance are a rarity with these types of policies.

Dealing with The General Insurance Claims

A quick review of Consumeraffairs.com suggests that many claimants have found The General difficult to deal with in filing claims. Unfortunately, this is the norm with insurance companies that offer nonstandard insurance policies.   Delay and defend is not an uncommon tactic for nonstandard companies to try to avoid liability when their insured causes an accident. If the injured party fails to seek care out of fear the insurance company will not take responsibility, this, in turn, saves the insurance company money. Delays in getting proper medical care can result in a defense of failure to mitigate damages which ultimately may weaken you claim.

Call an Experienced Car Accident Lawyer

If you feel like you are getting the run-around from any nonstandard insurer, you probably are.  Call Simmons and Fletcher, P.C. today to discuss your legal options. Nothing lets these companies know you are serious like a demand letter from a lawyer that they know will file a lawsuit and take your case to Court. Call us at 1-800-298-0111 for a free consultation today.

Author

Paul Cannon

Paul Cannon has practiced personal injury trial law since 1995. He is Board Certified in Personal Injury Trial Law (2005). He has earned recognition as a Super Lawyer by Thompson Reuters in 2017 & 2018, and as a Top 100 Trial Lawyer by the National Trial Lawyers Association in 2017. He is a Shareholder, trial lawyer and online marketing manager at Simmons and Fletcher, P.C. His legal writings have been published by the Texas Bar Journal, Business.com, Lawyer.com HG Legal Resources, Lawfirms.com, and others. He has been asked to give education talks and media interviews on dog bite law.