General Car Insurance – Why Is It Necessary and How It Helps Its Policyholders?

This article explains general car insurance, how it works, and its benefits to people who invest in it.

Cars have brought ease and convenience of transport to our lives. With vehicles, the distances that slowed human pace have been erased. Today, cars play a crucial role in our everyday lives. Whatever we do in our daily routines, wherever we want to go, we can do it all with the help of cars. All machines have a durability limit up to which they usually function, and once that limit is met, the machines totally give up working. In the case of cars, this limit depends upon many factors, including the nature of usage and the history of the functionality of the vehicle.

All in all, cars are prone to damage, which can wear a person’s budget down. Preventive measures can help a person elongate the working life of his vehicle and have the mandatory aid he may require in times of need. Multiple General Car Insurance plans are available to people through insurance-providing companies and organizations. These companies can help their clients with car insurance plans and provide all necessary benefits that they minted to avail through such insurance policies.

What is car insurance?

Car insurance or auto insurance is basically a contract between a car-holder and an insurance provider that helps with financial loss. Cars and vehicles, in general, can break down due to various reasons. And if they do not break down, they may have to deal with unexpected situations such as accidents and other technical issues. Car insurance companies offer a contractual period of financial aid to vehicle owners to bring ease and convenience to their lives. Cars are expensive motor vehicles, and their maintenance can also cost a lot of money. Insurance policies help their clients deal with all sorts of unforeseen events that can prove burdensome on the pockets of the vehicle owner. These policies also aid the clients with theft and natural or unnatural damaging factors. All in all, car insurance programs have made keeping vehicles and their timely maintenance easy.

Car insurance covers all sorts of damages to your vehicle and protects you financially if you’re liable for your own or someone else’s injuries or damages. An auto insurance policy can also pay for medical expenses and assistance if you or your passengers are injured in an accident. An insurance policy may also cover the costs if an uninsured or underinsured driver hits you. Your policy protects you up to certain limits, agreed upon by you and your insurer.

A car insurance program provides financial aid for a variety of different things. These include property damage, personal damage to yourself, or personal damage that you end up causing someone else. Natural or unnatural wear and tear also provide coverage in car insurance policies. A person can choose to avail of all the possible assistance or simply select the ones that suit his interests or are affordable for him. There are multiple general car insurance programs that several companies offer, so there are also many options to choose from. Car insurances are also a lawful requirement in many states, and some do not make it a legal requirement. But, it is always beneficial to stay on the safe side, so drivers and car owners, in general, should invest in car insurance plans.

Auto insurance is mandatory in all states except for New Hampshire, but drivers are required to prove their ability to cover financial losses even there. Only if drivers are financially stable are they let go without having insurance. But all other states make it a lawful necessity, and anyone violating this has to face fines, license suspension, or even have to serve jail time. Through proper research, any person can easily find suitable insurance programs and companies that benefit on a grander scale.

What is The General Car Insurance plan?

The General Car Insurance is a company founded in 1963 and has been providing insurance for all sorts of vehicles, including cars.  This company states its business under the name Permanent General Agency, and since then, it has worked as a licensed insurance provider in the United States. This company has also become an affiliate of American Family Insurance and has thus, worked for a long, long time in the world of insurance. It is headquartered in Nashville, Tennessee. The General provides car insurance to even high-risk drivers and issues SR-22 forms in most states.

For more than fifty years, being in the insurance world has helped The general gain a good name for itself and establish a good image. It operates in many states of the US, including Louisiana, and internal offices in Arizona, California, Colorado, Florida, Georgia, Ohio as well as Texas, among other states. This company provides insurance to all clients, regardless of their driving record or history. High-risk drivers can also find suitable policies at The General. There are three states in which The General does not operate, and these are; Massachusetts, Michigan, New Jersey. Like all prominent insurance providers in the market, The General also helps its clients with mandatory benefits.

Catering high-risk drivers has been a clear choice of The General. Usually, drivers with a bad driving record struggle to purchase car insurance policies, or even if they end up getting insurance, their coverage is limited. But for people with clean records, sometimes The general fails to prove the best choice because of its high premiums and lack of discount offers. Usually, people with a bad driving history and who fail to get insurance from other insurance providers often come to The General for auto insurance.

What does The General car insurance cover?

The General provides its customers with financial aid regarding property damage and bodily injury liability. These coverages are also mandatory in most of the states of the United States. This insurance company also would cover you if you turn out to be an at-fault driver in a car accident. A client can also pay for medical bills and property damage sustained by the other driver with car insurance policies. This is why The General and all its insurance policies have proven a lot beneficial for its existing and potential clients across the USA. The General auto insurance offers full coverage for all customers, including high-risk drivers. Complete coverage includes comprehensive and collision insurance and uninsured or underinsured motorist insurance. While most states do not mandate you to buy uninsured or underinsured motorist coverage, it’s always a good idea to be fully prepared.

Auto insurance companies across the USA follow the ruleset of their states. Some states offer more insurance coverage compared to others. It all depends upon what the laws in a state are. The General provides the required minimum coverage in all the forty-seven (47) states it works in and offers additional coverage. Following are some of the basic coverage that The General provides to its clients and policyholders:

  • Bodily injury liability
  • Property damage liability
  • Medical payments
  • Personal injury protection
  • Comprehensive coverage
  • Collision
  • Uninsured/ underinsured motorist coverage

Bodily injury liability

The General helps its policyholders with bodily injury liability. If a person is responsible for a car accident, bodily injury liability coverage pays for the medical expenses and assistance required after the accident. With this coverage, an insurance company of the injured people involved in the accident can get treatment without paying a lot of money out of their pockets (not including yourself). This coverage also helps cover payment for legal defense if a person is sued for damages resulting from an accident.

According to financial experts, the recommended amount for bodily injury liability that you should carry is at least $100,000 for one injured person and $300,000 to pay the expenses of multiple victims involved in the accident. Most major car insurance providers will allow you to increase your coverage to these levels, perhaps even higher, but your premiums also get high with more coverage claims. This insurance coverage helps a person to pay off the medical expenses of others if he ends up the at-fault driver. If you are an at-fault driver, you need to take full responsibility for medical costs and costs regarding treatments of the injuries.

  • Property damage liability

Property damage liability coverage is also a part of car insurance policies and programs. This aspect of the insurance programs helps pay to repair the damage a person causes to another person’s vehicle or property. Suppose you get into an accident and damage the other person’s vehicle and also his property with your own car. You will have to pay for all the damages inflicted upon the other person. This coverage typically helps cover the cost of repairs for the other person’s vehicle or property if you are at fault for a car accident that damages another vehicle or property, such as a fence or building front, or any property possession.

According to a research study, the average amount that is required for property damage liability is between $5,000 to $100,000. It typically depends upon the insurance provider that a person chooses. Every company follows a different ruleset and can decide for itself independently. For instance, drivers must have at least $5,000 of property damage liability coverage in California. Whereas in Texas, the minimum amount for property damage liability coverage is $25,000, and in Nevada, the amount goes up to around $10,000. A limit is a maximum amount your policy will pay for a covered claim.

The General car insurance also provides property damage liability and helps its clients if they cause damage to someone else’s vehicle or his property. Paying and covering expenses for unforeseen events can cost a lot, and most people cannot meet such expenses at short notice. They require additional help and assistance. This is where the insurance policy kicks in and helps its policyholders.

  • Medical payments

Insurance companies usually cover medical expenses within their car insurance policies. A medical professional liability insurance policy covers bodily injury of the insured or the people he injures while using his vehicle. Medical liability insurers firstly investigate the accidents and try to find root causes. Sometimes, accidents occur because of the negligence of the drivers, and for such claims, insurance providers usually do not cover the expenses. In some states, it is lawfully mandatory for insurance providers to pay for medical costs to their policyholders if they prove eligible for coverage.

For instance, in California, it is lawfully mandated for companies to provide car insurance with medical coverage of at least $1,000. But most insurance companies offer higher limits as well. Typically the coverage ranges from $2,000, $5,000, $10,000, and $25,000, depending upon the insurance provider and the policy plan a person ends up choosing. Some large insurers such as State Farm offer Med Pay coverage of up to $100,000.

With its medical liability coverage, The General helps its policyholders with maximum coverage and offers additional convenience by catering to all necessary claims. This program supports a person to pay all his medical expenses and take care of medical treatments of others that a person harms.

  • Personal injury protection

This policy coverage helps policyholders with financial expenses when involved in an accident, suffer severe injuries, and no longer work and support themselves financially. This coverage aids people financially with a particular amount to meet their expenses. Moreover, with this policy coverage, a person can also take full responsibility for his actions. If he damages someone’s property or vehicle, he has to deal with repair costs and expenses. This is easy to deal with by using The General car insurance policies. This coverage does not just pay for medical expenses but also pays for all necessary aspects while a person is physically unfit and cannot work and earn. The suggested amount for personal injury protection (PIP) should at least be $10,000. This amount can cover all medical expenses of a person and pay for other everyday expenses until a person can successfully find a job or recover from existing injuries.

  • Comprehensive coverage

Like all prominent insurance providers, The General helps its clients with comprehensive coverage. This coverage helps deal with all sorts of damages that can happen to any vehicle without being involved in an accident. These non-accident situations can cause a lot of damage to cars. In simple words, Comprehensive coverage helps pay the cost of damages to your vehicle when you are involved in an accident that does not occur because of a collision. Comprehensive coverage covers losses like theft, vandalism, hail, and hitting an animal or falling objects such as trees, etc. Comprehensive coverage is an optional coverage you can carry to help protect your vehicle. But it is indeed a beneficial coverage that can help you a lot if you require additional coverage for unforeseen situations.Comprehensive coverage also helps with the cost of repairing or replacing your car if it’s stolen or damaged by something other than a collision. Comprehensive typically helps cover theft and damage from vandalism and natural disasters, falling objects, fire, hail, flood, or animals. Some insurance companies also enable coverage for lost items present within your vehicles. According to most experts, the recommended amount or percentage of comprehensive coverage is about 10 percent of your vehicle’s actual cash value in the market minus the deductible exceeding the overall premium cost.

  • Collision

A collision is an instance when two or more vehicles collide with one another violently, causing vehicle damage and bodily injuries to the passengers and drivers involved in the accident. If a car collides with a building or any other sturdy object, it is also called a collision. All insurance companies provide collision coverage, but their coverage nature is different. Some offer full coverage while others pay partially. It all depends upon the policy type and coverage limits. Collision coverage also pays for the cost of repairs to your vehicle or someone else’s vehicle if you cause a collision.

The plus point of collision coverage is that an insurance company pays for damage repair and bodily injury, both even if you are the faulty driver or not. Regardless of fault, this coverage helps a person deal with costly bills and expenses that he has to pay to keep his vehicle running. Sometimes, the car is badly totaled and cannot be repaired. In such a case, collision cover also covers the cost of replacing the vehicle.

Once you have paid your deductible, your collision coverage will help pay to repair or replace your vehicle up to its actual cash value. This is why this type of coverage is the most advantageous if you live in an area where roads are always heavily packed. The best collision coverage for most drivers is according to the car type and its market value.

  • Uninsured or underinsured motorist coverage

Sometimes, people also have to face situations where they are involved with an at-fault driver who carries lower coverage or does not entirely have an auto insurance policy. In such cases, the faulty driver cannot pay for your damage and maybe his own in such cases. So what should a person do in such a situation? Having General car insurance programs have proven highly beneficial, as they also offer uninsured and underinsured motorist coverage.

Having an uninsured/ underinsured motorist coverage helps its policyholder to pay for repair costs and replacement expenses if need be. This insurance policy kicks in to pay for medical assistance to people involved in the accident if the faulty driver has low coverage limits or has no insurance at all. Out of all the states of the USA, twenty-two require uninsured/ underinsured motorist coverage. Whereas it is not lawfully required in the rest of twenty-eight states.

For instance, California requires all its drivers to hold uninsured and underinsured motorist coverage ranging with an average of 15-30-15. According to a recent study, the average underinsured/uninsured motorist coverage needs to be at least $1,000. It is also essential to consider the amount of your uninsured motorist insurance coverage.

What services does The General offer to its customers?

Typically, The General offers all standard coverage to its policyholders except for rental car insurance coverage. So if a person usually drives rental cars, The General will not provide any coverage to him, and he might need to consider another insurer for his needs. Moreover, The General’s add-on options are all quite extensive, and people can add any of them to their policy as per their requirements. Following are some of the optional inclusions that The General offers its clients and policyholders:

  • Transportation
  • Deductible waiver (for safety equipment)
  • Custom equipment
  • 24/7 road assistance
  • Hospital coverage
  • Optional basic economic loss (OBEL) coverage
  • Towing coverage
  • Coverage in case of job loss
  • Funeral benefits
  • Accidental coverage
  • Combination-first party benefits
  • Extra medical benefits
  • Loan/lease payoff benefits
  • Transportation

A person can come across situations where he has to find other means of transportation. Suppose a person loses his car in an accident and cannot get to his destination, he can rent a car for traveling. The General will reimburse the expenses associated with renting a vehicle. However, there sure is a restriction for the policyholders. If they want to avail this add-on facility, they must also include comprehensive and collision coverage in their policy programs. Many other insurance providers do not make this feature mandatory, but for The General, this is mandatory if a person wants transportation coverage in times of need. The average coverage on a daily basis is $20, and it goes for around 30 days.

This policy inclusion is a blessing for people living in states where weather conditions are unpredictable and severe since they can deal with car breakdowns and other tiring situations, including accidents.

  • Deductible waiver

The General allows its policyholders to file coverage claims to waive off their deductibles if they pay for safety equipment within their cars. These types of safety equipment may include installing windshields, door repairing, glass window repairing, and other necessary changes or additions to upgrade vehicle safety. A deductible waiver is a convenience that The General offers to its clients and program buyers through which they can benefit greatly and do not have to pay additionally for their deductible costs.

  • Custom equipment

For the better safety of their vehicles, people install various aftermarket spare parts in their cars. These include fog lights, bed liners, camper shells, additional rear mirrors, etc. With the help of a custom equipment policy, any General Car Insurance holder can pay for the damage to these aftermarket parts after getting involved in an accident. Usually, policy coverage does not include claims for such portions of the vehicle, and they require a separate policy plan such as custom equipment coverage.

The limit for coverage varies from state to state. For instance, the maximum limit for equipment coverage in California is $1000. Whereas, in many other states, this limit goes up to $5000. This facility is also available for drivers who carry comprehensive and collision coverages in their policies like transportation coverage.

As the name indicates, this policy inclusion helps with all types of situations while a person is on the road. Vehicle breakdowns, towing, battery replenishment, fluid delivery including gas and oil, and lock-out services are some of the immediate roadside assistance required by any stuck person. This policy helps its holders take care of their cars and have a smooth and obstacle-free journey. Suppose a person gets stuck because of technical damage to his car and cannot leave his car at a stranded place. In that case, he can rely on The General car insurance policies for instant roadside assistance using this beneficial coverage.

  • Hospital coverage

This is additional coverage for hospital charges and expenses that includes coverage of %10,000 for accidental death, $1,000 for other medical expenses, and $125 daily for dealing with hospital expenses for up to a year. People who include this feature in their policy can stay stress-free and get their desired treatments in emergency situations like accidents and collisions requiring medical assistance.

  • Optional Basic Economic Loss (OBEL) coverage

This policy pays for any additional financial help that the existing policy fails to deliver after meeting the coverage limits for no-fault situations. Loss of earnings, medical therapy, or any health condition that requires constant medical aid but does not fall under the coverage limit of an existing insurance policy is covered through this optional addition offered by The General.

  • Towing and other labor

With the help of optional inclusions of The General, its policyholders can cover the cost of towing their vehicles. It can cost a lot to tow a car from one place to another. So, through this service, people can save themselves from struggle and rely on their insurance providers for better service and convenience. This service is given in some states where vehicles already have a collision and comprehensive insurance policy.

  • Total income loss

If, after an accident, a person cannot return to work and meet his medical and daily expenses, the insurance company provides him with compensation that lets the insured pay for his day-to-day expenses. The duration for this coverage depends upon the insurance company and its policy settings. Typically, this coverage is given to the insured for a period of 6 months to a year and can be extended. It all depends upon the insurance company.

  • Funeral benefits

Another essential aspect that The General offers its clients and customers is funeral benefits and overall claim coverage. By this policy, The General covers the funeral of its policyholders if they die in a collision or an accident. It also deals with cremation expenses if the insured person dies within 24 months of any covered accidental situation. Funeral benefits coverage is usually a part of auto insurance policies. This feature falls under the policy’s Personal Injury Protection (PIP) clause. If a covered individual dies from accident-related injuries, The General Car Insurance coverage pays for either a portion or covers the entire funeral expenses. This aid is provided to policyholders regardless of who the at-fault driver was in an accident.

  • Accidental death

If a covered individual dies in an accident, this policy pays his family or personal representative a specific amount. Accidental death benefit (ADB) pays for death expenses if, in a covered car accident, bodily injuries cause the death of an insured person or a covered family member. The benefit paid is according to the terms of your specific accidental death benefit policy.

  • Combination-first party benefits

This policy is a combined solution for medical expenses, income loss, accidental death, and the funeral of any insured person. This combination benefit allows an insured policyholder to purchase flexible first-party benefits. Suppose you are buying, for example, $10,000 of first-party insurance. If you are in an accident, you can decide to use the $10,000 of coverage for any combination of payment of medical or wage loss benefits or even in case of a funeral. According to policies and inclusion limits, the average coverage is up to $177,500.

  • Extra medical benefits

The insurance holders of The General also have the leverage to include an extra coverage plan for medical and rehabilitative care. The coverage limit is $1 million and pays for all insured people’s medical expenses or their family members if included in the policy. The availability of this policy depends entirely on the state a person lives in since some states do not offer such benefits or coverage through car insurance policies.

  • Loan/lease payoff benefits

This insurance coverage is also known as Gap insurance. This applies when an insured person’s car faces extreme damage or is completely destroyed in an accident or collision. For instance, if a person’s car is completely totaled when he has to pay a loan worth $20,000 and his car is worth $15,000, the insurance provider will pay for the extra $5,000 gap, minus the insured’s deductible rates which the insured has to pay. The General car insurance only allows the inclusion of this coverage to policyholders having comprehensive and collision coverage.

Additional discounts offered by the General insurance

The General car insurance prices and pay rates depend upon multiple factors, including vehicle model and type, driver’s location, age, driving record, etc. All these factors affect the pay rates of an insurance policy. Some states charge more than others, and some do not allow various coverage claims whereas, others allow partial or entire coverage plans.

The General directly does not offer discounts on car insurance plans and policies. However, its policyholders can benefit from various other deals and offers that are equally beneficial, if not more. Some of these insurance discounts and deals are as follows:

  • Homeowners discounts
  • Multi-vehicle discounts
  • Double deductible deals
  • At-once premium payment discounts
  • Previous insurance offers
  • Good student deals
  • Homeowners discounts

The General allows its policyholders discounts if they own a property, preferably a home under their name.

  • Multiple vehicle discounts

According to The General policies, if a person owns more than one vehicle, he is eligible for an additional discount. So policyholders who have more than one car are encouraged to buy more insurance programs per vehicle over discounted rates and offers.

  • Double deductible deals

With double deductible deals, an insured person can reduce his insurance plan’s overall cost by paying for the first 45 days of an insurance policy’s activation.

  • At-once premium payment deal

Instead of monthly payments, if an insured person offers to pay all his yearly premiums at once, he can get an additional discount and be tension-free for an entire year too. People who can easily afford to pay off their premium prices at once can benefit from getting some $ off their premium costs yearly.

  • Previous insurance

If you switch from another insurance company to The General or if you renew an insurance policy and are existing customers already, The General may find you eligible for special discounts and offers.

  • Good student discount deals

Students with good academic standing and grades can avail special discounts on The General car insurance plans.


Multiple insurance companies offer car insurance plans and programs at affordable rates with up-to-the-mark services. The General is a prominent name among these insurance providers and has made a song and solid image in the market. Car insurance plans have made it highly convenient for car owners to deal with unpredictable and sudden costly situations and events.

So, buying auto insurance plans have provided convenience and financial stability to individuals who cannot afford sudden financial expenses that come their way. The General car insurance program continues to provide financial aid to its clients with comprehensive policies and good customer services.

Charles Bains

Charles Bains

Charles Bains started his insurance career as a marketing intern before pounding the pavement as a commercial lines agent in Orlando, FL. As an industry journalist, his articles have appeared in a variety of trade publications. His insurance television career, short-lived but glorious, once saw him serve as the expert adviser on an insurance-themed infomercial (yes, you read that correctly). Having recently worked for various organizations, coupled with his broader insurance knowledge, Charles is able to understand our client’s needs and guide them accordingly. He is a gem for Insurance Noon as his wide area of expertise and experience have been beneficial in conducting further researches to come up with solutions and writing them in a manner which is easy for everyone including beginners to comprehend.