The General Car Insurance Coverage

When you get a quote online, the quote you get first is the price for a policy that meets state-level minimum requirements. If you want additional coverage, you’ll have to edit the coverages to get an updated quote. The General’s car insurance policies have the following coverage options:

Liability Coverages

Depending on your state, you may only be required to have property damage liability coverage. However, many people add bodily injury liability protection to their policies.

  • Bodily Injury Liability  This coverage pays for injuries to the other driver and passengers if you are at fault in an accident. It covers lost wages, medical costs, and death related to the accident.
  • Property Damage Liability  Property damage liability pays for property damage resulting from an accident where you are at fault.

Medical Coverages

  • Medical Payments Coverage  Medical payments coverage is an optional supplement to your insurance policy. It covers medical or funeral expenses due to injuries sustained in an accident.
  • Personal Injury Protection (PIP) – Also known as “no-fault insurance,” PIP is required in some states; with it, you’re covered for your own and other’s injuries in a car accident, regardless of who is at fault and even if some injured parties don’t have health insurance.

Uninsured Motorist Bodily Injury

The General only offers uninsured motorist bodily injury protection, which is optional in most states. If you are in an accident, and the at-fault driver is uninsured or has insufficient insurance, this coverage option will pay for expenses you incur, such as lost wages or medical bills.

Vehicle Coverage

While collision and comprehensive insurance aren’t required in most states, the General does allow you to add these coverages to your policy.

  • Comprehensive  Comprehensive coverage pays for damage to your vehicle that occurs outside of an accident, such as from a storm or theft.
  • Collision – Collision coverage pays for damage to your vehicle resulting from an accident.

Additional Coverage

You can add rental reimbursement coverage to your policy through The General. If your car is damaged in an accident, rental reimbursement will cover the expense of renting a vehicle, up to a maximum amount.

Factors That Affect Your Cost

Several factors impact your premiums with the General, including your age, gender, driving record, vehicle type, and how long you’ve been driving. While the General does offer insurance to people with driving infractions on their records, having a history of accidents or DUIs will cause you to pay a higher premium than if you had a clean driving record.

We got insurance quotes for two different drivers, both 35-year-old women living in Florida. One had an excellent driving record, while one had an at-fault accident on her record and needed an SR-22 certification. We requested quotes for state minimum coverages for a mid-sized sedan. In Florida, that means $10,000 in property damage liability coverage. Because SR-22 certification has additional requirements, we also added $10,000/$20,000 in bodily injury liability.