The General offers a variety of car insurance coverage options, including liability, collision, comprehensive, and full coverage for the high-risk drivers that other insurance companies won’t insure. A.M. Best has recognized the insurance companies behind The General for their financial stability and excellent “A” ratings.

Learn more

Omni-channel capabilities, payment flexibility, and easy reinstatements.

Superior customer experience

Options for customers with imperfect credit, no credit, poor payment history, foreigners, and more.

Broad product

Brand recognition

A well-established and reputable brand, spearheaded by the charismatic Shaq and the iconic mascot, The General.

Key value propositions

Products offered: Personal Auto

Sweet spot

Liability only

Imperfect credit and no credit

Poor payment history

Foreign driver’s

Lapse in coverage

Suspended/revoked licenses.

They vary by state, so we encourage you to read the specifics at the end of this page.

Underwriting

Coverages and Deductibles

Bi limits available: 25k/50k- 100k/300k * Some restrictions apply for 100/300 please check underwriting guidelines at the end of this page.

Property Damage: 20k-100k

Medical Payments: 500, 1000, 2000, 5000

Physical Damage - Comprehensive Collision deductibles: 100, 250, 500, & 1000

Discounts

Enhanced Transfer: Enhanced Transfer tier will be determined using 5 years of prior policy tenure, number of days lapse, number of different companies, prior limits, and carrier information.

Homeowner: Insured must reside in a house, condo, or townhouse (garaging address must be the same).

Multi-Car: More than one vehicle on the policy.

Paid in Full/Quarterly: Policy must be paid in full or on quarterly pay plan to qualify.

More discounts available in FL, check the UW guidelines at the bottom.

State availability

** Certain zip codes are closed for appointments but open for business.

~10-12 days

Form submitted

~3-5 days

Credentials sent

Licensing review

Send a Docusign to the agency

~2-3 days

If you qualify for appointment with The General, review the Appointment Process below:

If The General does not appear on your appointments tab, check out our Bind with Agentero program!

Learn more about our Bind with Agentero Program here or contact your Agency Development Manager to find out how you can quote with our rater and bind The General with our underwriting team.

~1-2 days

Integrations

Agentero integrations

Commission statements

Agentero’s Rater
ITC
Vertafore
Ezlynx

Raters & downloads

How to quote and bind with The General

Coming soon...

More info

Underwriting
underwriting@thegeneral.com

Claims
877.222.4586 Option 1, then option 3

CSupport@thegeneral.com

Marketing/Agency Support

877.222.4586 Option 1, then option 1
IA_Marketing@thegeneral.com

Additional resources

FL underwriting guidelines
TX underwriting gidelines