Understanding National General Insurance Your Complete Guide to Smart Coverage

When it comes to protecting what matters most—your health, vehicle, home, or business—choosing the right insurance provider is key. Among the many insurance companies in the U.S., National General Insurance stands out as a trusted name with decades of experience and a customer-first approach.

In this article, we’ll explore everything you need to know about National General Insurance, including its history, types of coverage, key features, pros and cons, and why it could be the right choice for your insurance needs.

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️ A Brief History of National General Insurance

National General Insurance, originally known as GMAC Insurance, has roots going back to 1939. Initially a part of General Motors, it later transitioned into a full-service insurance company, now under the umbrella of Allstate Corporation, which acquired it in 2020.

Today, National General operates across the United States and is known for offering a wide array of property and casualty insurance products. It continues to grow its customer base thanks to flexible plans, competitive pricing, and strong financial backing.

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What Does National General Insurance Offer?

National General provides a variety of insurance products tailored to individuals, families, and businesses. Here’s a breakdown of its main offerings:

1. Auto Insurance

This is the flagship product of National General. It includes:

• Liability coverage

• Collision and comprehensive coverage

• Uninsured/underinsured motorist protection

• Medical payments

• Rental car reimbursement

• Towing and roadside assistance

They also offer SR-22 insurance for high-risk drivers, which is a major differentiator from many mainstream insurers.

2. Homeowners Insurance

Protects your home and belongings from:

• Fire and smoke damage

• Theft or vandalism

• Natural disasters (except flood and earthquake)

• Liability protection if someone is injured on your property

3. RV and Motorhome Insurance

National General is a leader in RV insurance, offering specialized coverage that includes:

• Full replacement cost

• Vacation liability

• Emergency expense coverage

• Custom equipment protection

4. Health and Supplemental Insurance

National General also offers:

• Short-term health insurance

• Accident and critical illness plans

• Dental and vision coverage

These products help bridge the gap for people between jobs or those needing an affordable alternative to ACA plans.

5. Business and Commercial Auto Insurance

For small business owners and fleet operators, National General provides:

• Commercial vehicle coverage

• Liability protection

• Employee coverage

• Cargo and equipment protection

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Who Is National General Insurance Best For?

National General Insurance is especially well-suited for:

• High-risk drivers (e.g., DUIs, SR-22 requirements)

• RV and motorhome owners

• People seeking short-term health insurance

• Budget-conscious consumers who want flexible options

• Small business owners looking for commercial auto coverage

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Key Features of National General Insurance

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Customer Experience and Support

National General has made major strides in improving its customer service. Their online portal and mobile app allow users to:

• View policies

• Make payments

• File and track claims

• Access roadside assistance

Customer reviews are mixed, with many praising their affordable rates and others noting variable claims experience—a common theme in the insurance industry overall.

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Discounts and Savings Opportunities

National General provides multiple ways to lower your premiums:

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Pros and Cons of National General Insurance

✅ Pros:

• Flexible coverage options for high-risk drivers

• Competitive pricing

• Excellent RV and motorhome insurance

• Wide range of policy types including health, auto, and home

• Multiple discount opportunities

• Strong backing from Allstate

❌ Cons:

• Mixed customer reviews on claims process

• Limited availability of some policy types in certain states

• Not always the cheapest option for low-risk drivers

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Tech and Tools

National General has embraced digital transformation with:

• Mobile App: Manage policies, payments, and claims

• Online Quotes: Get instant estimates without a phone call

• SmartDrive Tracking: Offers discounts based on driving behavior

• Online Chat Support: Available for general queries

These tools improve accessibility and give customers more control over their insurance management.

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Claims Process: What to Expect

Filing a claim with National General typically involves:

1. Contacting the Claims Department

   • Via phone or online portal

2. Submitting Evidence

   • Photos, police reports, repair estimates

3. Assessment

   • Adjuster evaluates the damage

4. Payout

   • If approved, payment is processed within a few days

They also offer direct repair programs where claims are handled faster through partner garages.

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FAQs About National General Insurance

Q: Is National General Insurance legit?
A: Yes. It’s a long-standing insurer now owned by Allstate, one of the largest and most trusted names in U.S. insurance.

Q: Does National General offer full coverage auto insurance?
A: Yes, including liability, collision, and comprehensive coverages.

Q: How can I get a quote from National General?
A: Visit their website, use their online quote tool, or speak to an agent.

Q: Are their health insurance plans ACA-compliant?
A: No. Their health plans are short-term and supplemental—ideal for temporary needs but not compliant with the Affordable Care Act.

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Final Thoughts: Is National General Insurance Right for You?

National General Insurance offers flexible and comprehensive insurance solutions with a special edge in covering high-risk drivers and RV owners. Backed by Allstate, they combine the trust of a big brand with the accessibility of a modern insurer.