The General does offer “full coverage” car insurance. Full coverage is not an official insurance term, but it’s generally used to mean that a policy has more than just the liability coverage required by most states. The General has liability-only policies, which pay for damages to other people and property caused by a policyholder in an accident. They can also add collision and comprehensive insurance to build a reasonably priced full coverage policy for the high-risk drivers who are its target market.
Collision and comprehensive insurance protect your own car. The General’s collision insurance covers damage to your vehicle if it flips over or collides with something. Comprehensive covers other kinds of damage, including losses caused by fire, theft, vandalism, weather events or contact with an animal.
Although both types of insurance are optional if you own your vehicle outright, The General requires drivers in most states to purchase them together. If your car is leased or financed, the lender will usually require collision and comprehensive coverage to protect their own financial interest in the car.
Despite having the basic policy options needed for full coverage, The General’s menu is relatively limited compared to other major car insurance companies. For example, they don’t offer guaranteed auto protection (GAP) insurance or mechanical breakdown coverage. For the full story, check out WalletHub’s 2019 review of The General.
To get a quote for full coverage insurance from The General, call (844) 328-0306 or visit The General’s website.
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