Recently acquired by Allstate, National General specializes in selling insurance to high-risk drivers that standard insurers might refuse. Its rental and emergency assistance offerings make it stand out, and it has a special program for first-time DUI offenders.
Rental and Emergency Assistance
The prospect of dealing with an accident or roadside emergency is stressful for any driver, especially if you’re new to the road.
Many auto insurers offer some form of rental reimbursement coverage, which pays for a rental car after an incident while your car is in the shop under a covered claim. National General is unique in offering valet service as part of its rental reimbursement coverage.
After a claim, National General will send someone to pick up your damaged vehicle and bring you a rental car. Once your car is repaired, someone will deliver it to you and return the rental vehicle. It’s one less hassle to deal with after an accident, which can be helpful if you’re a new driver dealing with a claim for the first time.
Additionally, National General gives customers an emergency expense allowance. For covered claims, National General will pay you up to $500 for travel expenses, lodging, and food. That way, you can focus on returning home safely and repairing your car.
Special Policies for First-Time DUI Offenders
Impaired driving poses an enormous risk to anyone in the car and others on the road. After a DUI offense, many standard insurers will drop your coverage or increase your premiums substantially.
DID YOU KNOW?
The Insurance Institute for Highway Safety estimates that if drunk drivers stayed off the road, it would prevent about a quarter of deaths from car crashes every year. That’s about 10,000 lives, which is enough to fill a small concert venue several times over.1
If you are a driver returning to the road after your first DUI, National General is a good option. After your first DUI offense, National General gives you a chance to complete a safe driving and substance abuse therapy program. Drivers who complete the program can get rates that are more affordable compared to the competition.
Though each individual’s insurance premiums are unique, National General claims it can save first-time DUI offenders up to $442 a year. (Note: National General does not offer this opportunity for second and subsequent DUI offenses).
Additionally, if you need to file an SR-22, National General will handle the paperwork for you.
Good Deals for RV Owners
National General offers a 20 percent discount for bundling your auto and RV insurance, making it a good choice for RV owners. And if you get into an accident involving both your regular car and your RV, National General will waive one of your deductibles.