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General Auto Insurance

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.

Car Insurance Deductibles

How to choose the optimal deductible for you

Choosing a deductible for your car insurance involves a calculation of risk and reward. The higher your deductible, the lower your premiums will be, but you then carry commensurately greater risk in the event of a claim. So how do you choose the optimal deductible? You do it by calculating the break even period for each deductible offered by your insurer.

Contributory and Comparative Negligence

What is the difference and why does it matter?

Proving negligence for an auto accident is one thing, but succeeding in an award for damages is another. Negligence laws differ widely between states, and it pays to know the difference between them. In some states, if a defendant can prove that you contributed just 1% towards the cause of an accident, he can walk away scot-free.

Single and Split-Limit Coverage

Two plus two is not always four

When you buy an auto insurance policy, the coverage you have for personal liability can either have a single limit or have injury and property damage limits split on a per person and a per accident basis. Do you realize how significant this difference can be? Well, it can make the difference between losing your deductible and losing your shirt.

When to Claim and When Not to Claim

Understand the difference between notifying and claiming

You often hear advice that you shouldn't tell your insurer about an accident if the damage isn't worth claiming for. Such advice generally has two characteristics: it's free and it's misguided. Know the difference between notifying and claiming so that you still have coverage if a lawsuit is subsequently filed against you.

Auto Insurance Discounts

Getting all the discounts you are entitled to

Every auto insurance company offers a range of premium discounts, but it is up to you to make sure you get all the discounts you are entitled to. Are you a student, retired, a rancher, a safe driver or simply a loyal customer? Does your car have safety features, an anti-theft device, or even both? Check out all the discounts that you might qualify for.

Total Loss Claims

Know what a total loss is so that you don't totally lose

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.

Learn the Basics of Auto Insurance

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:

  • The four main components of auto coverage;
  • Deductibles, and how to choose them;
  • Discounts, and how to qualify for them;
  • Your insurance score, and how to improve it;
  • Umbrella coverage, and how to arrange it.

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.

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