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 happens during the auto claims process? How long do insurance claims take?
The insurance claims process can be long, and sometimes frustrating, lasting anywhere between a few weeks to a few months. However, it’s a necessary process to make certain of a fair outcome for all parties involved. The length and complexity of the process usually depends upon the severity of the accident.
The most common first step after a car insurance claim is the assignment of a claims adjustor. He/she will usually get in touch with you within a few days after the accident. The adjustor will want to get your side of the story, take pictures of the damages to your car, talk to the other drivers involved, and more. Basically, the claims adjustor will be your go-to person throughout the claims processing.
While the claims process is taking place, your insurance company will typically cover all of your damages and injuries. Once fault is determined, the insurance agencies will negotiate over which company 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.