FOLLOW US

Compare Quotes and Save

Find the Best Car Insurance

Get Quotes
The General Auto Insurance
Overall Satisfaction Rating
3.15/5
  • 5 stars
    59
  • 4 stars
    38
  • 3 stars
    40
  • 2 stars
    10
  • 1 stars
    68
Based on 215 ratings submitted in the last year
SHOW RATING DISTRIBUTION

The General Auto Insurance

ConsumerAffairs Verified Brand

The General Auto Insurance specializes in offering car insurance to high-risk drivers. The General is a verified carrier for InsuraMatch–which powers the *ConsumerAffairs insurance program. For free auto insurance quotes from The General and other verified carriers, call InsuraMatch today.

Compare Quotes and Save

Find the Best Car Insurance

Get Quotes

481 The General Auto Insurance Consumer Reviews and Complaints

Sort: Recent
Filter by: Any

A link has directed you to this review. Its location on this page may change next time you visit.

Page 1 Reviews 1 - 30
Rated with 1 star
Verified Reviewer
Original review: Oct. 20, 2018

I paid on time with auto pay for six months straight. It’s so happened that I switched banks and in the resulting delay from my new direct deposit from my job, my first month on the next policy was missed and the policy lapsed. I offered to pay right away and asked if I could just continue my policy from there with auto payments since my bank account had by now been straightened out. They refused and said I needed to start over with a new quote. Since my lapsing payment now was visible when making my new quote it caused the price of my car insurance to drastically increase. I got zero help from them even though I had never paid late before.

Be the first one to find this review helpful
Rated with 1 star
Verified Reviewer
Original review: Oct. 16, 2018

They said I couldn't start a new policy and then wouldn't add the coverage and kept trying to get me to sign docs that weren't even what I wanted nor was it the state minimum. They refused to work with me and said they couldn't advise me. The whole time eating up the money. In the end they charged me way more than even their quote or any other company would have for now of the coverage I needed. Same coverage as I had on an owned vehicle for one that was financed. This was them finagling a way to get more money. I paid $168 for a nothing policy that was $38 originally.

Recently got full coverage with low deductible and paid $80+ approx. Their quote was $90. I paid the $168. Then they said it would be $189 month and $500 ded. Ridiculous. They caused me so much stress. They shouldn't be in business. They were rude and made a simple situation become a nightmare. Since I'm on a fixed income also I only had so many options. They were the worst I've ever dealt with. Absolutely no care for customers other than to get the money whatever it takes!!!

View more
Be the first one to find this review helpful
Not sure how to choose?

Get expert buying tips about Car Insurance delivered to your inbox.

Thank you, you have successfully subscribed to our newsletter!Enjoy reading our tips and recommendations.
We value your privacy. Unsubscribe easily.
Rated with 1 star
profile pic of the author
Verified Reviewer
Original review: Oct. 12, 2018

I have insurance they The General, but since the accident was a rear ending I was advised by my rep to wait for the person that hit me rep to contact me. This person was also covered by The General. I received a call from Diane and after a brief conversation she accepted liability on behalf of her client. She said a check would be mailed to me as soon as possible. It was. I deposited it and unbeknownst to me The General put a stop payment on it. So now my account is overdrawn and I still have not received compensation for the accident. I am so upset and frustrated. I guess I’d better find a lawyer.

4 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Oct. 9, 2018

From my experience, I believe The General is not an honest company nor are they professional. The staff I spoke to did not know what they were talking about, lied to me, and did not return my calls. Two months ago, someone rear ended me and he told me and the state trooper he had insurance through The General. I filed a claim through The General, and they denied my claim because "I was at fault," which the police report clearly showed otherwise. A man working in claims at The General proceeded to tell me my insurance company paid for the other guy's repairs, which was a lie. I called my insurance company to confirm they had not paid for anyone's repairs. Turns out the guy who rear ended me did not have insurance, and I had to spend two months calling The General and my insurance company to finally get the truth and access to coverage.

Be the first one to find this review helpful
Rated with 1 star
profile pic of the author
Verified Reviewer
Original review: Oct. 4, 2018

I recently filed an insurance claim on August 30th of 2018 where my vehicle struck a curb and no other vehicle. It is now October 5th and my insurance claim is now in the investigative section and my vehicle is not been repaired. My investigator initially asked for my schedule at work and my phone records. Next my investigator ask for the address phone number and name of my supervisor. It has now been well over a month and my vehicle is nowhere near being prepared or repaired. My investigator does not even live in my city or county and is not able to visit for an interview.

I am not sure why my claim is taking so long when I have insurance and I have a low deductible. I do not believe that any insurance company should take 35 day without the vehicle being repaired. The general is by far the worst Insurance Company in the world with no customer service. I think there needs to be more oversight of Adjusters.

View more
2 people found this review helpful
How do I know I can trust these reviews about Permanent General Auto Insurance (PGAC)?
  • 1,254,182 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Rated with 1 star
Verified Reviewer
Original review: Oct. 3, 2018

Had an accident, slid and hit our old rental property. They completely denied the claim and lied and denied coverage to our state. Now my wife whose name the car was in is losing her license for a year and we have a judgment on use. They lied the entire process and we didn’t even get a day in court.

4 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Sept. 28, 2018

My vehicle was hit on Sept. 4, 2018 by Mr.__________ of ______ Winterpock Rd.Chesterfield, VA. He was deemed to be at fault - Chesterfield Police report # **. This individual was issued a summons for reckless driving in addition to 2 other offenses. I have been going round and round with The General Ins. co. since this happened - my vehicle a 2010 Ford Explorer has been repaired as of today Sept. 28, 2018 and I was told by Caliber Collusion, 2820 Hull St. Richmond, VA 804-233-5446 that they cannot release my car because they haven't received any confirmation of payment or any money from The General.

I have been trying to speak with The General's claims adjuster, Lauren ** 844-327-9870 ** to no avail. I keep getting voicemail and no response. This also applies to email, no response. I have also called the corporate office and was told that this adjuster and her partner were either on the phone or have left the building.

I was authorized a rental vehicle on Sept. 5, 2018 for what was supposed to be the duration of the repair process. This authorization was canceled on Sept. 26, 2018 when in fact my car was still in the body shop. I tried calling to explain that my car wasn't finished and that I needed to extend the rental and got nowhere, neither Ms. ** nor her supervisor ever got back to me. I subsequently was forced to return the rental or face paying for it out of pocket. I have lost a considerable amount of business as a result of this. Please let me know how to proceed.

View more
8 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Sept. 28, 2018

Awful. I am losing my license for three months because of their horrible lack of customer skills and billing practices. But most importantly because they have liars for reps. They say that everything is fine we took care of it come to find out that was a lie. Wish I would have read these reviews before going with them. I will be seeing a lawyer about this lemon company. Anyone wanna join. I talked to other insurance companies and they are definitely in the wrong here. Run while you can. Pay a little more and go with a reputable company because these jokers need to be put outta business. I could only imagine if you got in an accident then you would really be in trouble.

7 people found this review helpful
Rated with 2 stars
Verified Reviewer
Original review: Sept. 27, 2018

This company is a thief. I started a new policy Feb 2018 for two cars, a 17 Elantra and a 15 Elantra which are both financed. When financed you need full coverage. I told them clear as day both cars need full coverage and I gave them the name of the finance company. My payment was perfect for us until Aug 2018 it increased by $80+ which I thought was because I removed the 2015 and added a 2013. Now it’s Sept and come to find out the original payment was low because these morons only had a Liability on one car. REALLY? DO YOU PEOPLE KNOW THE LAWS? Bye bye. I’m back with Liberty Mutual where I was for the past 24 yrs. I guess the grass really isn’t greener on the other side.

4 people found this review helpful
Rated with 1 star
profile pic of the author
Verified Reviewer
Original review: Sept. 26, 2018

Don't get The General as your insurance. They don't care about you or what happened. They seem to care more about paying the other companies JUST TO RAISE YOUR RATES. First of all the entire time they kept talking to me like I was a stranger. It made me feel real upset that they kept asking me my name, what car I drove, what year it is. REALLY? You are my insurance and you don't know what car I drive, my name, or where I live?

They asked me from person to person as I made my way from one claims to the other. Then come to find out that "even though the driver was not supposed to be driving that car/his name is not on the insurance. They will still pay and raise my rates. I was backing out of a parking lot and he spun out of nowhere and hit my car; but it's MY FAULT because I was backing out. I feel bad that I paid for the rest of the year. I am going to switch. I felt so cheated like they don't care about their customers, anything to raise your own rates is all they care about.

View more
4 people found this review helpful
Rated with 1 star
profile pic of the author
Verified Reviewer
Original review: Sept. 18, 2018

Don't insure your car with that little ** with the white mustache. The General they are one of only a few companies that won't pro-rate a refund of your paid up premiums when you cancel your policy and go with another company. Allstate is a good company. They don't ** their customers.

Be the first one to find this review helpful
Rated with 1 star
profile pic of the author
Verified Reviewer
Original review: Sept. 15, 2018

I asked why my premium increased. I was told it was because I moved. That's a reason??? They kept saying the same thing over and over. I moved to a less congested area a MILE from where I was before, less crime, and my car is now parked inside of a garage. I asked how underwriting came up with an increase simply because I moved. Their response? "Underwriting doesn't answer those kinds of questions". I asked, "Can someone answer the question intelligently?" Their response "the answer is that your premium increased because you moved". BYE BYE GENERAL!!

7 people found this review helpful
Rated with 1 star
profile pic of the author
Verified Reviewer
Original review: Sept. 14, 2018

My wife and I purchased insurance for her and myself with General. We went along several months paying the agreed upon rate, only to call in to make a payment one month and have them state that we owed them $400 MORE than our monthly payment. Was due to their running some sort of Nexus scan and they claimed we had a street kid that we had let use our address to get some mail that he needed living with us and had hiked our rate accordingly since he had such a bad driving record. The boy had never touched one of our vehicles.

We had received a cancellation notice stating that our insurance would be canceled at the end of the month. When I called a few days before the end of the month, they refused to remove the extra charges, so I informed them that I was going to get insurance elsewhere. I then got insurance through Geico (at half the rate of the General). Now, several months later, they've turned us into collections for a month's worth of insurance that we didn't have! As far as I concerned, what they're doing is nothing short of organized crime. I now cringe every time I see that little thief and his cohort in crime Shaq O'Neil come on the TV and try to con more unsuspecting folks into their scam.

View more
3 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Sept. 5, 2018

I had a policy for a year, at renewal time they increased my rates $10 per month for no reason. I had no accidents nor tickets. I researched other insurance options and found out I was paying way too much! I ended up getting a policy at Nationwide with a little better coverage, including roadside assistance for less than half than what I was paying on my original policy with The General! I was amazed. Then I felt dumb that when I originally bought The General policy I used one of those sites that supposedly check all sites for the best rates, but actually it only checks the 4-5 that pay to be on the site. Live and learn, and now I pay a whole lot less!

11 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Sept. 3, 2018

I've already got good coverage through Geico but decided since we are on such a limited income and tight budget so decided to just see if we could do better. Waste of time. DOUBLE what we are paying now for identical coverage. What a joke. Considering my wife and I are in our late fifties with extremely good driving records and no other drivers in the home. They quoted me nearly $1000 a year! Are you JOKING?! I've already been paying less than half that for over ten years. So where's the great discounts?

9 people found this review helpful
Rated with 1 star
profile pic of the author
Verified Reviewer
Original review: Aug. 29, 2018

These people are cons... I took out a policy and paid a down payment of over $100, just to have them cancel me (my driving record is very good!) 6 days later. I assumed I would receive a refund of something but instead I got a bill for another $114! Lmao!! Good luck collecting that General???

12 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Aug. 4, 2018

I started my insurance with The General on the 30th of June which my monthly was going to be 121 with a downpayment of 186. Five days later I called to add another vehicle which let me tell you was a headache of its own. Well with me adding another car which was only liability my monthly went up to 305. So I decided to cancel. When I cancelled I thought I’d get most of my money back but was I wrong. Coverage for 4 and a half days costed me 120. They charged me a month payment for 5 days coverage. Never will I even consider this company for insurance. Their system sucks and they will rip you off. Look elsewhere people unless you can afford to lose money for nothing.

24 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Aug. 2, 2018

Beware of this company. They raised my rates so, I canceled & did not renew back with them. I got another insurance policy with their competitors. They started charging me all sorts of fees for services that they never provided, to or for me after my policy had ended. They put me into collections & threatened to ruin my credit unless I paid their made up charges. I disputed so many times with this company & their collection company to get nowhere with them. They eventually ruined my credit because I did not pay their ransom (made up charges). I am in the process of legal counsel to hold this company accountable for what they have done & the damages they caused. Please be very careful with this company & do your homework. I am a very very upset person with them & want to get word out of how they are.

29 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: July 28, 2018

Shaq should be ashamed! Two vehicles - paid coverage for a year. Ran over debris and it’s been NINE weeks. I didn’t get rental coverage or I’m SURE my car would be fixed by now. I noticed that the GOOD reviews here have never filed a claim. I hope you don’t have to go through the General’s BS when you need them. Does it REALLY take over TWO months to get your vehicle fixed? I’ve now contacted the WA State Insurance Commissioner. I’m betting The General will do their job now.

20 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: July 27, 2018

I started with The General in 2015. I had 2 vehicles on my policy. A 2006 Chevy Express and a 2008 Mazda CX-7. On Dec 16 2016 I donated the Chevy Express to Kars4Kids. I called The General telling them the van was no longer on the road. I donated the van to Kars4Kids. I was reading my policy for some reason. Around 08/2017 the van is still on my policy. I call The General. Really po'd it must of been a mistake. A month ago in July 2018 the van is still on my policy. I think to myself there is something going on here. By keeping the second vehicle on the road they are receiving payment for that while knowing that the

vehicle will never have a claim because it is not on the road. I have a feeling I am not the only one this happened to. Why else would an insurance not take the vehicle off the road, I have a feeling there might be enough people to start a class action.

20 people found this review helpful
Rated with 1 star
profile pic of the author
Verified Reviewer
Original review: July 17, 2018

Words fail me. I have never ever dealt with such an asinine company sending out notice of cancellation when I paid 2 months in advance and 10 days early. Every rep I speak with says ‘that’s what they do...’ We get huge numbers of complaints but nothing changes and yes it’s a Mickey Mouse company. Even the recordings sound like they were made by some uneducated person. Absolutely horrible customer service.

20 people found this review helpful
Rated with 1 star
profile pic of the author
Verified Reviewer
Original review: July 16, 2018

Policy stated 33.00 premium payment. Invoice states 33.00 but have paid 52.00 consistently. Cancel policy on due date and charge reinstatement fees even though should be next payment on date policy started. Asked about price hike and they said they didn't know why it would be stated as 33.00 but when I look at my recent invoice it states the payment at 33.00 even though they are billing 51.00. Very strange practices with billing. Fraudulent practices, no real explanations. Tried to pay bill on 16th only gave me an option for the 17th. Very weird. Will cancel as they quote one thing, invoice same, then bill is totally different online. Just not sure how they do business.

20 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: July 13, 2018

I would not recommend anyone using this insurance company for anything. I was in an auto accident and the agent with this company has been rude, disrespectful to myself as well as the person driving the vehicle I was riding in. They do not return their calls and when they do they take it upon themselves to try to browbeat the customer into settling as well as say things one way and then switch it around. They also take it upon themselves to make decisions for the customer against what the customer may have said. So if you are in an accident and the person who hit you has the general hire a lawyer as you will not be treated decently by any of the agents who work for the general auto insurance.

29 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: July 12, 2018

Was told I wasn’t eligible because my boyfriend visits me and has a car. Really? I guess I have to break up with him to get insurance. So, I can’t ever get it and he doesn’t even live with me. Wow so disappointed with this insurance company.

13 people found this review helpful
Rated with 2 stars
Verified Reviewer
Original review: June 28, 2018

Though true The General is fair with their low rate insurance their claims adjusters are low rate as well. Me and my mother-in-law got into a wreck June 15, 2018 Friday. It took till Monday for the adjuster, Rita ** to look at the damages and Tuesday till I could get a rental car. Here it is Thursday the 28th and I have called her at least 7 times, no callbacks, left several messages and still NOTHING. I had no idea what was going on nor if they were going to say if my van was totaled or can be fixed so I know if I can find another car or not.

I called again today to try and talk to her and got told she's been on vacation and won't return till Monday July 1st. I was pissed. Not only was I being ignored she's went on vacation this past Tuesday till 1st and no one bothered telling me nor even tried to get me another adjuster to help. As far as I'm concerned I'll have to keep The General till my claim is taken care of then I'm finding a company that actually cares about their clients and their already stressful situations.

View more
30 people found this review helpful
Rated with 1 star
profile pic of the author
Verified Reviewer
Original review: June 18, 2018

I’m gonna start by saying I’d give them no stars if I could. This company is horrible. Me and my husband went to change our insurance from our separate policies into a combined policy. Signed up with them on June 8th. Was offered a better combined rate to stay with Geico so we faxed in cancellation on the 11th three days into the policy after paying original $90 sign up. Called to see if there would be a refund. And got a big Fat NO!! Apparently in the fine print they keep 10% of your original premium which was $67 then charged us another $15 to process that and the remaining $7 was applied to the three days we actually had a policy!! Make damn sure to read the fine print on this policy before buying. We basically paid $90 for three days worth of insurance.

37 people found this review helpful
Rated with 3 stars
Verified Reviewer
Original review: June 7, 2018

General Auto Insurnace was cheap and the down payment and monthly payments were affordable for someone on a tight budget. The payment options were convenient and so was the claim process. However, customer service in the local office was poor. It's like they say you get what you pay for. It was ok, had to wait for over 30 minutes to speak to someone because they on had two people work. They need to have more. I got the office on a Friday afternoon which is obviously a busy time for those that live paycheck to paycheck and use companies like this to get by.

13 people found this review helpful
Rated with 1 star
profile pic of the author
Verified Reviewer
Original review: June 7, 2018

On April 4th 2018 I was in a comprehensive motor vehicle accident. An 18 wheeler tire popped in front of me, flew through the air and smashed the front of my 2010 Mitsubishi Lancer Evolution Sportback. My car sits 2 inches from the ground has several factory modifications as it’s a special edition. I pay for the special insurance also. When it hit the front of my car it hit the ground and flew under the driver side of my car. It chopped up the doors and back quarter panel. Of course I reported it to the General. They sent an adjuster out to my home Ms. Tracy ** and I had told Ms. ** that there was minor damage from a deer incident. She had stated she did not include that into the estimate. I waited to hear from the General. I did hear from a Mr. ** an investigator that worked for the General stating that I had made a prior claim on the same damage. I had not.

I reported the deer accident to Liberty Mutual for Carfax purposes only. I did not ask them to pay for that damage. Mr. ** sent an email stating everything was fine. I would hear from the adjuster within 24 to 48 hours. I didn't hear from them for a week or more, I got an email from Cedrick ** stating he would contact me within 24 to 48 hours. Of course that was on a Friday. So I didn't hear from anyone that whole week. Got another email Friday. I would hear from them in 24 to 48 hours. I didn't hear from them. I called on Wednesday. Talked to a representative they sent me through to a lady. She told me I need to choose a shop and get back to them. I chose Gerber **. Set the date to drop the car off. It was the next Thursday.

Tuesday came around. I called the shop to see if I could bring the car in a day early. They said sure. I pay someone to come follow me to the shop. I called them that morning to let them know we were going to be a few minutes late. They ask for my insurance name and adjusters number. I told them the general insurance. They said they did not have an appointment for me and that I would have to find another shop. We are 30 days in now. It should have been a red flag to me that Gerber didn't want to do the work.

Here's why I call around frantically to find another shop for my car. I found Abra Auto Body in Cornelius, NC. They told me to bring the car to them. They contacted the general for the estimate to be sent over so they sent the estimate. It was 7 pages and was 2908.32. Mr. ** the shops manager took me through what all was on the estimate and what had to be done.

I return home from this crazy day to find a 1500 dollar check in the mail from the General so I called them because of course that isn't gonna pay the estimated damage. Still at this moment have not spoke to Cedrick **. They put a Krista ** on the phone. She is supposed to be a supervisor. I ask what the check was for. She stated she stopped payment on that check that they had dropped the estimate down to 1100 dollars and some change (which is not legal in any way without the adjuster signing it). So I told her she needed to contact Abra to let them know that the estimate had been changed. She did not. I had already signed for the work to be done.

So a day later I finally heard from Cedrick ** who stated that 2 checks were being sent to the body shop. One for 2908.38 the original estimate and 1800 dollars which I went to Abra to find out if they have found new or any under carriage damage. Mr. ** had stated that he had not heard from anyone at the General. So the work continued. I got a call from the rental car company stating that the General hasn't paid for the rental car.

I called the General again. Got this Ms. ** again. I try to find out why they would not pay for the rental car when they still had my car in the shop. She was very hateful and not full of any kind of information that was relevant to the claim or the car or even the rental but went on to say that they were not gonna pay but 1100 for the damages to the car. And that she had stopped payment on the other 2 checks. All the while cannot explain where this 1100 dollar estimate came from. And still have no explanation as to where this estimate came from.

Another week went by car is done. We are waiting on the general to pay this original claim because they know the laws but playing dumb about it. They are still refusing to pay it. It is not legal for them to change an estimate on a car without the adjuster signing it. The only one Ms. ** has signed on is the 2908 32 so what makes them think that it is right not to pay everything rental car included because they are the reason for the hold up. Not to mentioned not very trained on the insurance laws.

View more
38 people found this review helpful
Rated with 5 stars
Verified Reviewer
Original review: June 7, 2018

My overall experience with The General was excellent. I am completely satisfied. I am a happy customer and will continue to use their services if I purchase an additional vehicle. It was an easy call to set everything up. Finding the right policy for me was easy and staff made the experience fast and painless. I love their app. I will definitely refer this company to family and friends. The only thing is I have yet to receive my cards in the mail after almost a month.

8 people found this review helpful
Rated with 3 stars
Verified Reviewer
Original review: June 6, 2018

It's been a while since we had insurance with The General. Being a large family, we ultimately switched to another company that provided us a more affordable auto policy & cheaper monthly payments which The General could not accommodate us with.

8 people found this review helpful
Loading more reviews...

Permanent General Auto Insurance (PGAC) expert review by Matthew Brodsky

Permanent General Auto Insurance is a licensed insurance agency that offers insurance in many states. They have been in business for over 50 years and have been recognized by A.M. Best for their financial stability.

  • Accepts drivers regardless of history: The General offers insurance for most drivers, even if they don't have a perfect driving record or have let their insurance lapse.

  • Electronic payments: They make it easy to pay monthly bills online via their electronic platform.

  • Low down payments: They keep their down payments low and affordable so that drivers can sign up for insurance, even if they don't have a lot of money upfront.

  • Continuing to expand: The General is continuing to expand their coverage and has taken on new states such as West Virginia and Nebraska.

  • Great customer service: The General has excellent customer service that makes it easy for drivers to contact a representative and settle claims.

  • Best for: Drivers with a poor driving history and drivers who want a low down payment.

Profile picture of Matthew Brodsky
Matthew Brodsky Insurance Contributing Editor

Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.

The General Auto Insurance Company Information

Company Name:
Permanent General Auto Insurance (PGAC)
Website:
www.thegeneral.com
Make the best choice, every time

Join our community to stay up-to-date with the latest reviews, recall notices, and brand recommendations. Our community members are happier with their purchases than consumers who didn’t research before buying. To see why, sign up below!

THANK YOU

Keep an eye on your inbox, the latest consumer news is on its way!