General Insurance Auto: Help for High-Risk Drivers

Fran
Lucy Lazarony
January 14, 2021

The General Automobile Insurance Services, Inc. is a licensed insurance agency that is a subsidiary of PGC Holdings Corp. PGC Holdings Corp. is an affiliate of American Family Insurance. Through its insurance company subsidiaries and their predecessors PGC Holdings Inc. has been writing automobile insurance in many states throughout the country for 50 years. High-risk drivers can find affordable rates through The General Insurance.

Accepts Most Drivers

The General Insurance Auto accepts most cars and most drivers in its car insurance policies. General Insurance Auto is for drivers that have had a history of driving violations or accidents, drivers who have not kept their auto insurance in force and drivers with less than perfect credit. So high risk drivers can find a home with General Insurance Auto.

Low Down Payments

General Insurance Auto offers low down payment options to customers. So you don’t need to pay a lot of money to sign up for auto insurance with General Insurance Auto. The amount of the down payment varies based on several factors including where you live, your age, your driving record and your type of vehicle. General Insurance Auto offers payments by credit cards and accepts electronic checks in some states.

Monthly Payments

Convenient monthly payments are available to customers. These budget-sensitive payment plans come with the electronic verification of driver information and vehicle information for each customer.

General Insurance Auto App

General Insurance Auto has an app that allows customers to pay with cash and use multiple, split and scheduled payment options while receiving helpful alerts. With the app, you can start a new claim or see current claims. To start a new claim, all you need to do is take photos of the damaged vehicle, provide details and submit this information. There is on-demand support available for chat, email, calling and requesting a callback right through the app. With the app, you’ll also get the convenience of a digital policy ID card.

Drivers in Your Household

When buying insurance, you must include all residents of your household age 14 and up and any other individuals who regularly drive your car as drivers on your policy. If you don’t include them as drivers on your policy, they will be excluded from your auto insurance coverage.

Revoked Driver’s License

As long as you have been licensed at some point and have a driver’s license number you can purchase a policy with General Insurance Auto even if you have a suspended or revoked driver’s license.

Initial Quote

General Auto Insurance includes the minimum coverage required by the state in its initial quote. Coverage can be added and policy limits can be modified after this initial quote.

How to File a Claim

You can report a claim through the General Insurance Auto app or by calling an 800 number with representatives available 24 hours a day and seven days a week. The length of the claims process depends on the complexity of the claim. But you don’t have to go through it alone. You’ll meet with a claims adjuster to go through your side of the accident. Once fault is determined, your claims adjuster will negotiate with the other party to determine who will pay for damages and injuries.

Insuring High-Risk Drivers

General Insurance Auto specializes in providing high-risk insurance or “non-standard” insurance to high-risk drivers. Who are the high-risk drivers? There are several different types.

If you’ve had your license suspended or revoked and require a SR-22 policy for reinstatement, you are a high-risk driver.

If you are 70 years old or older, some insurance companies may consider you a high risk. And if you are 20 years old or younger you may be regarded as high risk as well.

If you have a history of auto accidents or violations, General Insurance Auto will insure you even though you are a high risk. General Insurance Auto will even offer these drivers discounts points over time for keeping a clean driving record and being a cautious driver.

If you have a DUI, you may be considered a high-risk driver, but General Insurance Auto can provide insurance.

In addition to high risk drivers, General Insurance Auto specializes in providing affordable insurance to drivers who have never been insured and drivers who have had a lapse in their prior auto insurance coverage.

Standard and Non-Standard Policies

General Insurance Auto offers non-standard policies with the same flexible rate plans as its standard policies.

Flexible and Cheap Car Insurance

General Insurance Auto has cheap and flexible auto insurance policies with several types of drivers in mind including new car drivers, individuals with less than perfect credit and, as already mentioned, drivers with a history of driving violations or accidents and, as already mentioned, drivers with lapsed auto insurance policies.

General Insurance Auto offers both six-month and 12-month policies as well as monthly payment plans for all customers. General Insurance Auto shows customers what their initial down payment would be and what the monthly payments would be at the time of their free car insurance quote.

Auto pay is available on your car insurance policy with General Insurance Auto. With General Insurance Auto, auto pay payments are made each month from a bank account or a credit card.

In most states, General Insurance Auto offers a discount to customers who pay their policies in full. Discounts are offered to customers who pay auto insurance policies in full for both 12-month and six-month policies. In addition, some states offer discounts when customers choose to pay quarterly.

Help with SR-22 Filings

A SR-22 is a certification issued by your car insurance company to prove you have the minimum coverages required by your state. If you are required to hold an SR-22, you will be notified by your state.

This certification is usually mandatory for drivers involved in at-fault accidents while driving without insurance, drivers convicted of a DUI, drivers who have had their license revoked or suspended or a driver who has had many tickets or traffic offenses in a relatively short period of time.

The typical SR-22 insurance requirement lasts three years. In most states, your insurance company handles the filing of a SR-22 form. And General Insurance Auto does this service for customers. The fee to file a SR-22 form is usually around $25.

General Insurance Auto provides SR-22 filings in most states. Just let General Insurance Auto know that a SR-22 filing is needed when you apply for your free car insurance quote. And a SR-22 form will be included in your documents.

Get a Free Auto Insurance Quote Online Now.

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