Car Insurance Claims
How to reach us
In the event of an accident, The General® is prepared to assist you with your claim and guide you through the process. If you have an auto insurance policy from The General® and need to report a new claim or check an existing claim, please contact us by phone or through the app. We are here for you.
If you're calling our number, 1-800-280-1466, select option #3. You can reach our representatives 24 hours a day, 7 days a week. If you'd like more information on what to do after an accident or how to report a claim, you can watch our videos below.
Submitting a Claim
After an accident
When should I file a car insurance claim?
You should always file a car accident claim if other drivers were involved, even if the damage appears to be minor. One of the reasons your insurance company is there is to protect you against unreasonable demands and lawsuits from other drivers, which, unfortunately, can sometimes arise when drivers settle outside of their insurance companies.
If no other cars or drivers were involved in your accident – you backed into a tree, for example – then it’s up to you whether or not you should contact your insurance company. If you do contact them, you run the risk of raising the cost of your insurance premium, especially if you’ve been involved in a number of other accidents in recent years. If the damage is minor, and the cost doesn’t meet your deductible, it might be worth it to pay for the repairs out of your own pocket.
What can I expect during the auto claims process?
The auto insurance claims process can be quick and easy, but sometimes it can be confusing and take longer than you might like. It’s important to know that your auto insurance company is working in your best interest and the claims process is necessary to ensure a fair outcome is reached for all parties involved. The length of the process usually depends upon the complexity of the claim.
The most common first step after a car insurance claim is the assignment of a claims adjuster. The adjuster will be your go-to person throughout the claims processing and will usually get in touch with you within a few days after reporting the incident. Once reaching out, the adjuster will want to get your side of the story, obtain pictures of the damages to your vehicle, talk to any other drivers involved, and more.
While the claims process is taking place, your insurance adjuster will confirm your available coverage and handle your vehicle damages if the appropriate coverage has been purchased. Some policies may include coverage for your medical expenses and injuries. Once fault is determined, your adjuster will negotiate with the other party’s company to determine which carrier will pay for which specific damages/injuries.
How long do I have to file a claim after an accident?
If another driver was involved, you should always report an accident as soon as it’s safe to do so. As far as what the definitive time frame is, that’s hard to say. Different insurance companies have different windows of time. If you’re unsure, you should read your policy agreement, or talk to your insurance agent.
How do I file an auto insurance claim?
Most auto insurance agencies have a toll-free 24-hour claims hotline. You can usually find it printed directly on your policy. If not, simply call your auto insurance company and speak with an agent. He/she will point you in the right direction to get your claims process started.