The General: Specialized Coverage for High-Risk Drivers
Why we partner with The General: unmatched affordability and tailored non-standard auto insurance for drivers who value coverage access despite driving challenges. Available through FoCoIns with expert guidance and claims advocacy.
Claims Information
24/7 Claims Hotline: 1-800-280-4166
Online Claims: https://www.thegeneral.com/claims
Mobile App: The General Mobile App (iOS and Android)
60+ Years in Business
Established 1963 - Pioneering affordable non-standard auto insurance for high-risk drivers
Millions of Customers Served
Strong presence in Colorado and Utah serving drivers with challenging records
Regional Coverage
Focused coverage with digital and agent-supported service in Colorado and Utah
Recognized Industry Player
Rated A- by A.M. Best and ranked #22 in J.D. Power Auto Insurance Customer Satisfaction
What Makes The General Stand Out
Why we recommend The General for high-risk drivers needing affordable, accessible auto coverage with reliable claims support.
Affordability for High-Risk Drivers
What it means for you: The General offers competitive rates tailored for drivers with tickets, DUIs, or SR-22 requirements, making insurance accessible when others decline.
Real example: A driver denied coverage elsewhere due to multiple speeding tickets found affordable liability coverage and SR-22 fulfillment with The General.
Best fit for: Drivers who need non-standard auto insurance with limited budgets and challenging driving histories.
Digital Tools and 24/7 Claims Support
What it means for you: Convenient mobile app and AI chatbot provide instant quotes, policy management, and claims filing any time of day.
Real example: Customers appreciate filing claims digitally and tracking status online without waiting for agent availability.
Best fit for: Tech-savvy customers who prefer self-service combined with direct claims hotline access.
Strong Financial Backing
What it means for you: Backed by American Family Insurance’s $11+ billion in assets and an A- rating, The General delivers reliable claims payment and policyholder security.
Real example: Clients maintain confidence that claims will be handled promptly even in complex SR-22 cases.
Best fit for: Drivers seeking stability in a niche carrier with reputation for specialty coverage.
Specialized Market Focus
What it means for you: The General’s exclusive focus on non-standard auto insurance means tailored underwriting and claims expertise for high-risk drivers.
Real example: SR-22 filings and accident disability policies designed specifically for the insurer’s target clientele.
Best fit for: Drivers who require insurance inaccessible through mainstream companies due to driving history.
The General Coverage Specialties
- Non-Standard Auto Insurance: Expert coverage for drivers needing SR-22 filings and with prior violations.
- Accident Disability & Medical Assistance (ADMA): Bundled affordable protection beyond basic liability.
- Direct-to-Consumer Digital Sales: Mobile and online quoting tailored to self-service preferences.
- Flexible Payment Options: Low down payments and FlexPay plans designed for budget-conscious customers.
Filing Claims with The General Automobile Insurance Services, Inc.
24/7 Claims Hotline: 1-800-280-4166
Online Claims: https://www.thegeneral.com/claims
Mobile App: The General Mobile App (iOS and Android)
Step 1: Report Your Claim
- When to call: Immediately after accident or as soon as safely possible.
- What you'll need: Policy number, date/time/location of incident, involved parties, and photos if available.
- Phone: 1-800-280-4166
- Online: Report via The General website or mobile app claims portal.
Step 2: Initial Assessment
- What happens: Claims representative reviews information and opens your claim file.
- Timeline: Assign adjuster typically within 1-3 business days.
- Your role: Provide any requested follow-up details and documentation promptly.
Step 3: Investigation & Evaluation
- Adjuster assignment: Adjuster contacts you to schedule inspections if needed.
- Documentation: Photos, police reports, and repair estimates are commonly requested.
- Inspection process: May include independent or preferred shop inspections.
Step 4: Settlement & Resolution
- Payment process: Direct deposit or check payment after claim approval.
- Repair coordination: You can choose preferred repair shops; direct pay available in some cases.
- Timeline: Typical resolution within 7-14 days for straightforward claims.
Customer Service Options
General Customer Service
- Phone: 1-800-280-4166 (Hours: Mon-Fri 7am-6pm CST)
- Online Account: The General Website
- Mobile App: The General Mobile App
Policy Changes
- Contact customer service phone or manage via online portal for endorsements and updates.
Billing Questions
- Phone: 1-800-280-4166 or manage payments online through account portal.
Technical Support
- Assistance via app support channels or website contact forms.
Claim Filing Tips for The General
Before You File
- Have your policy number and incident details ready before contacting claims.
- Document accident scene with photos and gather witness info if possible.
- Report claims promptly to prevent delays, especially for SR-22 related cases requiring state verification.
During the Process
- Maintain clear communication with your claims adjuster and respond quickly to requests.
- Keep copies of all submitted documents and correspondence.
- Follow up if you don’t hear back within the expected timelines to ensure progress.
After Settlement
- Review your policy and coverage options annually to ensure continued suitability.
- Maintain a positive relationship for smoother future renewals or claims.
The General Digital Tools & Apps
Online Account Portal
- View policy documents and coverage details anytime.
- Make payments and set up automatic billing.
- Access claims status updates and communicate with representatives.
Access: https://www.thegeneral.com/
The General Mobile App Features
- Instant quotes and policy purchase for fast coverage decisions.
- Manage your policy details and payment methods with ease.
- File and track claims digitally with real-time updates.
- 24/7 AI chatbot support for quick answers to routine questions.
Download: Available on iOS and Android
The General Payment Options
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Available Payment Methods
- Automatic Payment: Bank account or credit card - no fees and eligible for discounts.
- Online Payment: Available via website with no fees.
- Phone Payment: Call customer service at 1-800-280-4166 with no additional fees.
- Mail Payment: Send check or money order to The General's billing address; allow 5-7 business days for processing.
- In-Person: Not applicable; primarily digital and phone-based payments.
Payment Schedules
- Monthly: Most common plan; $5 service fee may apply in some states.
- Quarterly: Available with small discounts in select states.
- Semi-Annual: Not widely offered.
- Annual: Usually not offered due to target market preferences.
Auto Insurance Discounts
- Bundled Policy Discount: Combine auto and ADMA policies - Save 10-15%
- Safe Driver Discount: No recent violations - Save up to 5%
- Low Down Payment Discount: Choose FlexPay with $20 down in select states - Save varies
Multi-Policy Discounts
- Multi-Policy Bundling: Auto + ADMA or other eligible policies - Save 10-15% on both
Is The General Right for You?
The General Works Best For:
High-Risk Drivers
- Drivers with tickets, DUIs, or recent accidents.
- Those required to maintain SR-22 filings by the state.
- Looking for affordable insurance despite challenging driving history.
Budget-Conscious Individuals
- Seek low down payments and flexible billing options.
- Prefer digital self-service but want access to direct support if needed.
- Value specialized coverage over premium features.
Tech-Savvy Customers
- Use mobile apps and online portals for convenience.
- Prefer 24/7 access to claims filing and policy management.
- Comfortable with limited agent interaction.
Consider Other Options If:
- You prioritize premium customer service and personalized agent relationships.
- You need comprehensive coverage enhancements like accident forgiveness or new car replacement.
- Your driving record is clean and you qualify for standard market rates with larger insurers.
Our job is finding the right fit for your specific needs. If The General isn't ideal for your situation, we'll help you find who is.
The FoCoIns Advantage with The General
Why Choose The General Through FoCoIns
Expert Guidance
We help you understand The General’s niche focus and ensure policies match your unique risk profile.
Claims Advocacy
FoCoIns supports you throughout the claims process, ensuring timely communication and fair resolution with The General.
Ongoing Review
Regular policy reviews help optimize your coverage and pricing as your driving record and needs evolve.
Local Support
FoCoIns’ community presence in Colorado and Utah means personalized attention, complementing The General’s digital-first approach.
Why Choose The General Through FoCoIns
Expert Guidance
We help you understand The General’s niche focus and ensure policies match your unique risk profile.
Claims Advocacy
FoCoIns supports you throughout the claims process, ensuring timely communication and fair resolution with The General.
Ongoing Review
Regular policy reviews help optimize your coverage and pricing as your driving record and needs evolve.
Local Support
FoCoIns’ community presence in Colorado and Utah means personalized attention, complementing The General’s digital-first approach.
The General vs. The Market
Stronger in: High-risk driver coverage and affordability
- Provides SR-22 filings and specialized non-standard auto policies unmatched by many competitors.
- Competitive pricing for drivers rejected by mainstream carriers.
Competitive in: Digital tools and claims service accessibility
- Mobile app and 24/7 claims hotline enable streamlined service consistent with market standards.
- Financial strength supported by parent company ensures claims payment reliability.
Consider alternatives for: Premium customer experience and comprehensive coverage options
- Competitors like State Farm or GEICO offer more extensive agent networks and value-added features.
- Customers seeking accident forgiveness or newer vehicle replacement might consider other carriers.