General Accident Insurance Review & Ratings (2024)
Uncover honest and informative reviews and ratings for General Accident Insurance. Get valuable insights into overall satisfaction, claims processing, cost-effectiveness, billing experience, and service quality. Make an informed decision by comparing quotes from the industry's leading insurance providers.
Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
UPDATED: Sep 13, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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General Accident Insurance
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A (Excellent)Complaint Level:
LowPros
- Comprehensive coverage options for various insurance needs.
- Transparent policies with clear inclusions and exclusions.
- Positive customer reviews highlighting reliable service.
- Swift and efficient claims processing.
- Personalized policy customization for individual needs.
Cons
- Limited availability in certain regions.
- Some policies may be relatively higher in cost compared to competitors.
- Limited online account management features.
- Additional discounts or bundling options could be more extensive.
- Limited availability of specialized insurance products.
If you’re in the market for car insurance, General Accident Insurance may be an option worth considering. This car insurance company offers a range of coverage options, including liability, collision, and comprehensive coverage, and operates in several states across the United States.
General Accident Insurance is known for its competitive pricing, ease of use, and responsive customer service. Additionally, the company offers a variety of discounts to help customers save money on their premiums, including multi-car discounts, safe driver discounts, and good student discounts.
However, it’s worth noting that some customers have reported issues with the claims handling process and difficulty canceling policies, so it’s important to research and compare options carefully before making a final decision.
Overall, General Accident Insurance can be a good option for those looking for affordable car insurance coverage, but it’s important to consider the specific strengths and weaknesses of the company before signing up for coverage.
What You Should Know About General Accident Insurance
Welcome to our comprehensive guide on General Accident Insurance and its key aspects. In this article, we delve into various topics related to General Accident Insurance, including company overview, coverage options, customer reviews, discounts, and more.
Whether you’re seeking reliable car insurance or looking to switch providers, this guide will provide you with valuable insights to make an informed decision.
Interesting Attributes of General Accident Insurance:
- Offers comprehensive coverage options for drivers in select states
- Provides various discounts to help customers save money on their policies
- Has a generally positive reputation among customers
To ensure you get the best rates and coverage tailored to your needs, take advantage of our free comparison tool by entering your zip code. Compare quotes from top insurance providers in your area and find the perfect policy that offers both protection and affordability. Don’t miss out on the opportunity to save – enter your zip code now and secure your peace of mind with General Accident Insurance.
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General Accident Insurance History and Mission
General Accident Insurance was originally founded in 1885 in Perth, Scotland, as the General Accident Fire and Life Assurance Corporation. The company expanded its operations over the years, and in the 1950s, it began offering car insurance coverage in the United Kingdom.
In 1996, General Accident merged with Commercial Union to form CGU plc, which eventually became part of the Aviva group of companies. In the United States, General Accident Insurance provides car insurance coverage in select states, with a focus on providing affordable insurance options to customers.
The company’s mission is to provide high-quality insurance at a price that fits their customers’ budgets. With a commitment to customer service and satisfaction, General Accident is dedicated to making the insurance process as easy and straightforward as possible.
The company strives to provide customers with the best possible coverage options, as well as excellent customer service and support.
General Accident Insurance Coverage Options
General Accident Insurance offers a range of car insurance products and services to customers in select states across the United States. These include:
- Liability coverage: This coverage provides protection in the event that you are found responsible for causing an accident. It can help pay for the other driver’s medical bills, vehicle repairs, and other damages.
- Collision coverage: This coverage covers the cost of repairing or replacing your vehicle if it is damaged in an accident, regardless of who is at fault. This coverage is particularly important if you have a newer or more expensive vehicle.
- Comprehensive coverage: This coverage provides protection for non-collision events, such as theft, vandalism, or weather damage. It can also cover damage from animal collisions, falling objects, and more.
- Personal injury protection: This coverage is also known as “no-fault” coverage, and it covers medical expenses and lost wages for you and your passengers in the event of an accident.
- Uninsured/underinsured motorist coverage: This coverage provides protection in the event that you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.
- Roadside assistance: General Accident Insurance also offers roadside assistance coverage to help you if you are stranded on the side of the road due to a flat tire, dead battery, or other issue.
- Rental car reimbursement: If your car is in the shop for repairs after an accident, General Accident Insurance can help cover the cost of a rental car so you can get around while your vehicle is being fixed.
General Accident Insurance also offers a range of optional coverage options that customers can add to their policies, including:
- Towing and labor coverage
- Glass coverage
- Sound system coverage
States Where General Accident Insurance Is Available
General Accident Insurance provides car insurance coverage in select states across the United States. The specific states where General Accident offers coverage may vary over time, but currently, the company provides coverage in the following states:
- Alabama
- Arizona
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Missouri
- Nebraska
- Nevada
- North Carolina
- Ohio
- Oregon
- South Carolina
- Tennessee
- Utah
- Virginia
- Wisconsin
If you live in one of these states and are looking for affordable car insurance coverage, General Accident Insurance may be a good option to consider. However, it’s worth noting that the specific coverage options and discounts available may vary by state, so be sure to check with General Accident to see what’s available in your area.
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General Accident Insurance Rates Breakdown
The cost of General Accident Insurance will vary depending on a variety of factors, including the state you live in, your driving record, the type of vehicle you drive, and the coverage options you choose. However, the company is known for offering competitive rates and affordable insurance options.
It’s worth noting that General Accident Insurance offers a range of discounts that can help customers save money on their car insurance. These include:
- Multi-car discount: If you insure more than one vehicle with General Accident, you may be eligible for a discount on your premium.
- Safe driver discount: If you have a clean driving record with no accidents or moving violations, you may be eligible for a discount on your premium.
- Good student discount: If you are a full-time student with a high GPA, you may be eligible for a discount on your premium.
- Homeowner discount: If you own a home, you may be eligible for a discount on your premium.
In addition, General Accident Insurance offers a variety of payment options to make it easier for customers to manage their insurance payments. These include monthly, quarterly, and annual payment options, as well as automatic payments and online bill pay.
General Accident Insurance Discounts Available
General Accident Insurance offers a variety of discounts to help customers save money on their car insurance. These discounts may vary depending on the state where you live and the specific policy options you choose, but some common discounts include.
- Multi-car discount: If you insure more than one vehicle with General Accident, you may be eligible for a discount on your premium.
- Safe driver discount: If you have a clean driving record with no accidents or moving violations, you may be eligible for a discount on your premium.
- Good student discount: If you are a full-time student with a high GPA, you may be eligible for a discount on your premium.
- Homeowner discount: If you own a home, you may be eligible for a discount on your premium.
- Paid in full discount: If you choose to pay your premium in full upfront, you may be eligible for a discount.
- Continuous coverage discount: If you have had continuous car insurance coverage with no lapses in coverage, you may be eligible for a discount.
- Anti-theft discount: If your vehicle has an anti-theft device installed, you may be eligible for a discount on your premium.
- Defensive driving course discount: If you have completed an approved defensive driving course, you may be eligible for a discount on your premium.
- Group affiliation discount: If you are a member of a certain organization or group, you may be eligible for a discount on your premium.
Understanding General Accident Insurance’s Claims Process
Ease of Filing a Claim
General Accident Insurance offers multiple convenient ways for policyholders to file a claim, ensuring a hassle-free experience. You can file a claim online through their user-friendly website, over the phone by speaking with a knowledgeable representative, or even through their mobile app for added convenience.
This flexibility in the claims process caters to different preferences and ensures that customers can report incidents with ease.
Average Claim Processing Time
The company understands the importance of prompt claim processing. While the exact processing time can vary depending on the complexity of the claim, General Accident Insurance strives to handle claims efficiently. Their commitment to quick resolution is backed by their dedication to customer satisfaction.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a crucial role in evaluating an insurance company’s performance. General Accident Insurance takes customer reviews seriously and continually seeks to improve their claim resolutions and payouts. It’s essential to explore what policyholders have to say about their experiences to gauge the effectiveness of the company’s claims department.
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Diving Into General Accident Insurance Digital and Technological Features
Mobile App Features and Functionality
General Accident Insurance offers a feature-rich mobile app that allows policyholders to manage their insurance needs on the go. The app provides access to policy information, digital ID cards, and the ability to file claims directly from your smartphone. It also offers features like bill payment, policy document access, and claims tracking, enhancing the overall customer experience.
Online Account Management Capabilities
Policyholders can easily manage their accounts through the company’s website, which offers a user-friendly online portal. This portal enables customers to view policy details, update personal information, make payments, and access important documents 24/7. The convenience of online account management empowers customers to have full control over their insurance policies.
Digital Tools and Resources
General Accident Insurance provides a range of digital tools and resources to assist customers in making informed decisions about their insurance coverage. These resources may include educational materials, calculators, and guides to help customers understand their policy options better.
By offering these digital tools, the company aims to support customers in choosing the right insurance solutions for their needs.
How General Accident Insurance Ranks Among Providers
When considering purchasing car insurance with General Accident Insurance, it’s important to take into account what other customers have experienced with the company. Here is an overview of what customers are saying about General Accident Insurance:
Strengths:
- Competitive pricing: Many customers report that General Accident Insurance offers affordable rates compared to other insurance providers.
- Ease of use: Customers appreciate the simplicity and ease of use of the General Accident Insurance website and online portal.
- Responsive customer service: Many customers report that General Accident Insurance’s customer service is helpful and responsive.
Weaknesses:
- Claims handling: Some customers have reported issues with the claims handling process, including delays and difficulty reaching claims adjusters.
- Limited coverage options: Some customers have noted that General Accident Insurance offers limited coverage options compared to other providers.
- Difficulty canceling policies: Some customers have reported difficulty canceling their policies or receiving refunds for canceled policies.
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Frequently Asked Questions
What types of coverage does General Accident Insurance offer?
General Accident Insurance offers liability coverage, collision coverage, comprehensive coverage, personal injury protection, and uninsured/underinsured motorist coverage.
What discounts does General Accident Insurance offer?
General Accident Insurance offers a variety of discounts, including multi-car discounts, safe driver discounts, good student discounts, and discounts for having certain safety features in your car.
Where is General Accident Insurance available?
General Accident Insurance is available in select states across the United States. The specific states where coverage is available may vary over time, but currently, General Accident provides coverage in Alabama, Arizona, Arkansas, Georgia, Indiana, Kentucky, Mississippi, Missouri, North Carolina, South Carolina, Tennessee, Texas, and Virginia.
How can I get a quote from General Accident Insurance?
You can get a quote from General Accident Insurance by entering your ZIP code on their website and filling out some basic information about yourself and your vehicle.
What are some strengths of General Accident Insurance?
General Accident Insurance is known for its competitive pricing, ease of use, and responsive customer service. The company also offers a variety of discounts to help customers save money on their premiums.
What are some weaknesses of General Accident Insurance?
Some customers have reported issues with the claims handling process and difficulty canceling policies. It’s important to research and compare options carefully before making a final decision.
Is USInsuranceAgents.com affiliated with General Accident Insurance?
No, USInsuranceAgents.com is not affiliated with any one insurance company, including General Accident Insurance. They provide a free online resource for anyone interested in learning more about insurance.
Are the quotes and offers provided by USInsuranceAgents.com binding?
No, the quotes and offers provided by USInsuranceAgents.com are not binding and are not a guarantee of coverage. It’s important to verify rates and coverage directly with your insurance company or agent.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.