National General Insurance: Your Comprehensive Guide to Coverage

National General Insurance, now a proud member of the Allstate family, is a leading insurance provider offering a diverse range of products and services tailored to meet the unique needs of individuals and businesses. From auto insurance and homeowners insurance to RV insurance and supplemental health insurance, National General provides a comprehensive safety net designed to protect what matters most. They are known for their flexible coverage options, competitive rates, and commitment to customer service, making them a popular choice for policyholders across the United States.

A Deep Dive into National General’s Offerings

National General’s success stems from its ability to adapt to the evolving needs of the insurance market. They don’t just offer standard policies; they provide customized solutions that address specific risks and circumstances. Let’s explore some of their core offerings:

Auto Insurance: Protecting You on the Road

Auto insurance is arguably National General’s flagship product. They offer a variety of coverage options, including:

• Liability Coverage: Protects you if you’re at fault in an accident, covering bodily injury and property damage.
• Collision Coverage: Pays for damage to your vehicle, regardless of who’s at fault.
• Comprehensive Coverage: Covers damage to your vehicle from non-collision events like theft, vandalism, or natural disasters.
• Uninsured/Underinsured Motorist Coverage: Protects you if you’re hit by a driver without insurance or with insufficient coverage.
• Medical Payments Coverage: Covers medical expenses for you and your passengers, regardless of fault.

National General goes beyond basic coverage, offering extras like accident forgiveness, diminishing deductible, and roadside assistance to enhance your peace of mind. They also specialize in providing coverage for high-risk drivers, those with less-than-perfect driving records who may find it difficult to secure affordable insurance elsewhere.

Homeowners Insurance: Safeguarding Your Sanctuary

Homeowners insurance from National General protects your dwelling, personal belongings, and liability against various perils, such as fire, windstorms, theft, and vandalism. Their standard policies typically include:

• Dwelling Coverage: Covers the cost to repair or rebuild your home.
• Personal Property Coverage: Covers the cost to replace your belongings if they are damaged or stolen.
• Liability Coverage: Protects you if someone is injured on your property and sues you.
• Additional Living Expenses (ALE) Coverage: Covers temporary living expenses if your home is uninhabitable due to a covered loss.

National General allows you to customize your policy with endorsements (add-ons) for specific needs, such as flood insurance (often required for homes in flood zones) or earthquake insurance.

RV Insurance: Adventure Awaits, Protected

For the adventurous souls who embrace the open road, National General offers specialized RV insurance. This coverage protects your recreational vehicle against accidents, theft, vandalism, and other covered perils. RV insurance goes beyond auto coverage to include features unique to RVs, such as:

• Total Loss Replacement: Replaces your RV with a new one if it’s totaled.
• Personal Effects Coverage: Covers your belongings inside the RV.
• Emergency Expense Coverage: Covers expenses like lodging and transportation if your RV breaks down far from home.
• Vacation Liability: Provides liability coverage while you’re parked at a campground or RV park.

National General understands the unique risks associated with RV travel and offers tailored solutions to keep you protected on your adventures.

Supplemental Health Insurance: Filling the Gaps

National General also offers a range of supplemental health insurance products designed to fill the gaps in your existing health insurance coverage. These policies can help with expenses not fully covered by your primary health plan, such as:

• Accident Insurance: Provides benefits if you’re injured in an accident.
• Critical Illness Insurance: Provides a lump-sum payment if you’re diagnosed with a covered critical illness, such as cancer or heart attack.
• Hospital Indemnity Insurance: Provides a daily benefit for each day you’re hospitalized.

These supplemental plans can provide financial security and peace of mind in the face of unexpected health events.

Frequently Asked Questions (FAQs) About National General Insurance

Here are 12 frequently asked questions about National General Insurance, designed to provide even more clarity and insight:

1. Is National General Insurance a reputable company?

Yes, National General Insurance is a reputable company with a long history and strong financial ratings. It’s now a subsidiary of Allstate, one of the largest and most respected insurance companies in the United States. They are known for their commitment to customer service and financial stability.

2. What are National General’s financial strength ratings?

National General, backed by Allstate, typically holds strong financial strength ratings from agencies like A.M. Best, Moody’s, and Standard & Poor’s. These ratings indicate the company’s ability to meet its financial obligations to policyholders. Check the latest ratings on the rating agencies’ websites.

3. What types of discounts does National General offer on auto insurance?

National General offers a variety of discounts on auto insurance, including discounts for:

• Safe driving records
• Multi-car policies
• Bundling policies (e.g., auto and home)
• Anti-theft devices
• Affiliations with certain organizations
• Paying your premium in full

4. Does National General offer SR-22 insurance?

Yes, National General specializes in providing SR-22 insurance for drivers who are required to file an SR-22 form with their state. This is often required after a DUI or other serious traffic violation.

5. How do I file a claim with National General?

You can file a claim with National General online, by phone, or through their mobile app. You will need to provide details about the incident, including the date, time, location, and description of what happened. It’s important to file your claim as soon as possible after the incident.

6. How long does it take to settle a claim with National General?

The time it takes to settle a claim with National General can vary depending on the complexity of the claim. Simple claims may be settled within a few days, while more complex claims may take weeks or even months to resolve. National General is committed to processing claims fairly and efficiently.

7. Can I get a quote from National General online?

Yes, you can easily get a quote from National General online for most of their insurance products. You will need to provide some basic information about yourself and the property or vehicle you want to insure.

8. Does National General offer mobile app services?

Yes, National General has a mobile app that allows policyholders to:

• View their policy information
• Pay their bills
• File claims
• Request roadside assistance
• Access their insurance ID card

9. What is National General’s customer service like?

National General strives to provide excellent customer service. While individual experiences can vary, they offer multiple channels for contacting customer support, including phone, email, and online chat. Reading customer reviews online can give you a broader perspective.

10. Does National General offer insurance in all states?

National General offers insurance products in most states across the United States. However, availability may vary depending on the specific product and state regulations. It’s best to check their website or contact them directly to confirm availability in your area.

11. What is the difference between National General and Allstate since they are now connected?

While National General is now a subsidiary of Allstate, they operate as separate entities with distinct brands and product offerings. Allstate is a larger, more well-known brand, while National General often focuses on niche markets and specialized coverage, like high-risk auto or RV insurance. Think of it as two different departments within the same large company, each with a unique focus.

12. How do I cancel my National General Insurance policy?

To cancel your National General Insurance policy, you typically need to contact their customer service department by phone or in writing. You may need to provide a written request for cancellation, and you may be entitled to a refund of any unearned premium. Be sure to understand the terms and conditions of your policy regarding cancellation.