Welcome to General Auto Insurance, the number one choice for consumers. We cover every aspect of car insurance, from general information on each type of coverage to detailed explanations of how auto insurance policies are priced and put together. You can learn everything you need to right here.
We unravel the four major components of auto insurance coverage, from personal liability to optional add-ons, and why it’s important to protect yourself against lawsuits by supplementing your policy with umbrella insurance. We explain how car insurance rates are calculated and the different rating factors used by underwriters, from age band and gender to your driving experience and credit history. We also explain what you need to do before you begin to shop around for quotes, and how you need to think carefully about your individual circumstances and to prioritize the risks you would like to cover. Importantly, we guide you through the claims process, when to claim and when not to claim and how to handle disputes with your insurer.
There are many traps for the unwary in total loss claims. If the claims adjuster from your insurance company has told you that your car is totaled, then get to work straight away. Never accept at face value the ACV of your car as determined by your insurer, and make sure your claim check includes everything it should, including unexpired license plate fees.
Exclusive insurance agents are tied to one company, and can only sell policies from that company. Independent insurance agents, on the other hand, are not tied to any particular company and can recommend a policy for you from a range of insurers. It pays to know the benefits offered by each before deciding which type, if either, is best for you.
Umbrella insurance is one of the most important types of coverage you can buy, if not the most important. And here's the good news – it is one of the best deals in the entire insurance market. Umbrella insurance will not only top up the liability coverage under your car insurance policy, it will cover you for risks which your auto policy doesn't cover at all.
Insurance companies know that your credit characteristics are very reliable in predicting the incidence and extent of auto claims you will make. These include your current debt levels, the types of debt you employ and your performance in managing credit. By knowing these factors you can influence your insurance score and lower the premiums you pay.
The key to risk management is understanding the relationship between risk and reward. When you attain that understanding, you will have a powerful tool to help you manage not just your auto insurance program, but all the risks you face. You will know the extent to which you should avoid, reduce or transfer risk rather than being exposed by retaining it.
Standard auto insurance policies are designed for standard cars, so they don't work when it comes to special vehicles such as customized cars, antiques and classic cars. They don't work because they don't cover non-standard items, and they don't provide coverage at levels sufficiently high to reflect the true market value of an extraordinary vehicle.
At General Auto Insurance, we think it’s important for our customers to learn the basics of car insurance so that they can make informed decisions about the coverage they buy. For that reason we have prepared a number of short lessons on auto insurance coverage in such a way that consumers can directly apply what they learn when buying a policy. We even provide short videos like the one below to help you quickly learn about some of the important aspects of coverage:
We also provide other helpful information such as how you can protect yourself against lawsuits by arranging the most appropriate liability insurance, and even cover special circumstances such as how you can protect yourself when renting a car. We also provide practical advice to drivers in the case of an emergency, by spelling out how you should respond at the scene of an accident. And if like many others you run into problems at claim time, we explain how you can cost-effectively resolve a dispute with your insurer to get your payout.
Our job is to help you learn the basics of auto insurance so you can be well-positioned when buying a policy to protect you and your family. The most essential areas to understand are:
We show you how to deal with insurance adjusters in the event of a claim, how and when to make a complaint if a dispute arises, and what avenues for redress you have to help you reach a satisfactory settlement, in ascending order of formality, complexity and cost. We also have a comprehensive section on the different auto insurance laws which apply in each state.
Auto Insurance Basics
When changing car insurance companies, it is important to plan the switch in advance so that your new policy takes effect the minute your old one expires. You do not want to be left exposed by a gap in coverage between policies.
Motorcycle insurance is similar to car insurance, however motorcycles have a far greater number of risk variables than cars. Some insurers even exclude coverage for certain models considered to be high risk. Be sure you have appropriate coverage before heading out on your next ride.
Uninsured motorist coverage provides a safeguard to the insured driver in situations where an accident is caused by a driver without any liability insurance or the offending driver or vehicle owner cannot be identified (which is often the case in the event of a hit-and-run accident).
Do you really need collison and comprehensive coverage? For most people the decision will be strongly influenced by the value of their vehicle. After all, if your car is not worth much, is it really worth insuring it? But for some, the peace of mind and other benefits may make it worthwhile to keep both.
It can be tempting to rely on personal coverage when using a vehicle for business purposes, but you might find you’re in for a tough time from your insurer when you make a claim. Business use is generally excluded from coverage under most personal auto policies, so it is very important to have the right coverage.