National General Insurance Arvostelua 133

It took one month for them to decide they were going to deny a claim. They shouldn't need more than a week.
No need to use these insurers anyway, since they're insurance in name only. They'll just deny you hoping you won't be able to hire a lawyer. Doesn't have to be a good reason, and they won't be punished for it in any way if it gets reversed.

🚨 CONSUMER BEWARE — Absolutely do not trust National General Insurance to handle your claim professionally or ethically.

We’ve spent over a month trying to resolve a simple reimbursement caused by an accident involving their insured. Despite following every step of their process, submitting all receipts and documentation, and calling daily, we were ignored, lied to, and spoken to with complete disrespect.

Their adjuster, Eric Fouts, repeatedly failed to return calls, hung up after placing us on hold for 40+ minutes, and was shockingly rude when he finally did respond. He refused to escalate the issue or provide a supervisor’s name. One of our own employees who spoke to him was appalled by how disrespectfully he treated her — we even have the call recordingto prove it.

We submitted:

✅ A $1,704 receipt for required re-lettering of a new work van

✅ A tow bill
Both were ignored or sent to the wrong address.

To make matters worse, the claims portal we were required to use was suddenly shut down, wiping out all of our submitted documents and history. This feels like an intentional move to avoid accountability — and from our experience, it sure looks like they’re covering their tracks.

We’ve now been forced to consider:

🚨 Hiring legal counsel

🔁 Subrogating the claim to our own insurer

📝 Filing formal complaints with the Department of Insurance and consumer protection agencies

This is not how insurance is supposed to work. We’re a small business trying to recover from an accident that their customer caused. If this is how they treat people with valid, documented claims, imagine what they’ll do with yours.

Think twice before trusting National General with your business or personal coverage.

DO NOT DO BUSINESS WITH THIS COMPANY!!!

We were in an accident in January with our truck-bed camper. We'd always paid our premiums on time — but when it came time for National General to hold up their end, they did everything they could to avoid paying.

First, they refused to cover the tow. Then they sent an adjuster who completely disregarded physics and offered a laughably low repair estimate — only 10% of the final payout — even though it was obviously totaled from the start. We demanded a second assessment. From there, it was a nightmare: endless runarounds, emotionless bureaucratic excuses, and no real action. Not only could we not get anywhere — the repair shops couldn’t either. One even emailed us: “She’s no good. She just talks in circles.”

We had to file a complaint with the Arizona Insurance Commission just to get traction — and even then, National General stalled as long as legally possible. They eventually demanded a title for the truck-bed camper — which we didn’t have because truck-bed campers don’t have titles. (You’d think an insurance company would know that.)

It took 4½ months of stress, delays, and hoop-jumping before they finally paid the fair market value for the totaled camper — which had been clear from the beginning.

I'm still not sure how this wasn’t illegal. Over and over, we were one inch away from lawyering up — but they kept stringing us along just enough to delay. It was emotionally exhausting, needlessly complicated, and completely avoidable.

DO NOT DO BUSINESS WITH THIS COMPANY!!!

I had a very disappointing experience with this company. Despite being insured with them, I became a victim of car theft. However, they made it incredibly difficult to file a claim, and the adjuster has not contacted me at all. I have been paying for my insurance, yet there has been no communication regarding the situation. Car insurance is mandatory, and this company’s lack of responsiveness and support has made me decide that I will never use their services again. It was the worst experience I’ve had with an insurance provider.

I pray you never go into business with this company. Can not add vehicles to policy unless on phone with representative. They keep bankers hours and long hold times and very weak automation systems that cause more trouble than provide any solutions. If there was a way to put 0 I would. There is no customer service to speak of.

Shady, Dishonest, and Utterly Incompetent

My experience with National General Insurance has been nothing short of a nightmare, defined by deception, delays, and downright unethical behavior.

Following an accident caused by a driver insured by National General, they dragged their feet for weeks before accepting liability, even though the police report, recorded statements, and all documentation were handed to them on a silver platter. Their excuse for the delay? That the driver was “unlisted.” This is an irrelevant stalling tactic, especially in North Carolina, where insurance follows the vehicle, not the driver, something they clearly know, yet pretended not to.

Communication? Nonexistent. My assigned adjuster went radio silent for weeks at a time. Calls ignored. Emails unanswered. Only after demanding to speak to a supervisor and filing a complaint with the Better Business Bureau did I get any kind of response, and even that was a mix of lip service and gaslighting.

Then came the repair estimate, if you can even call it that. Their “field claims representative” conveniently left out obvious, visible damage to my vehicle and then tried to pass off a lowball estimate using cheap aftermarket or recycled parts in place of proper OEM parts. OEM parts were on my vehicle before the accident, and OEM parts are necessary to restore my vehicle to its pre-loss condition. Their justification? OEM parts are. not covered under the policy. This is not only irrelevant (this is a liability claim) but also blatantly misleading. Insurers don’t offer OEM coverage for third-party claims; they just don’t want to pay for quality parts.

Their entire strategy is clear: delay, deny, and devalue. They push heavily for the “supplemental” repair process after intentionally lowballing the repair estimate. This shady tactic gives them two easy outs. If the full extent of the damage is revealed through supplements, they can quickly declare the vehicle a total loss, not to protect you, but to avoid paying the full cost of proper repairs. However, more often, they’re banking on you giving up, accepting a cash payout based on their incomplete, manipulated estimate, which doesn’t come close to covering the actual damage.

Either way, they win by cutting costs, and you lose by being left with a vehicle that’s either devalued or unrepaired. It’s a calculated, predatory move executed with zero concern for fairness, safety, or the customer they’re supposed to support.

The cherry on top? The only actions they took, like reimbursing me for a rental or replacing damaged car seats, were done after I filed an official complaint. They didn’t act out of integrity or accountability. They acted out of damage control. Their own timeline proves it.

National General does the bare minimum to appear compliant, all while undermining your rights, dodging responsibility, and manipulating the system in their favor. They are not just incompetent, they are predatory.

DO NOT GET YOUR INSURANCE HERE!!! I have had them for almost 4 years because it was the cheapest. I have them for my insurance and I was also just hit by one of their idiot customers and they totaled my car for me! I went through the process of getting them the title, releasing the vehicle to them, and they have had the title since 10:27 am on Friday May 30th,but the lady handling my claim Nicole White appertly comes in to the office whenever she feels like it! It's now Noon and she just got ahold of me. I called and called and her voice-mail says she was at home. I call the 1st lady handling it and had her get ahold of Nicole's manager and he confirmed she wouldn't be in till later in the day.... ummm yall are keeping me from working because she is at home, I can not do my job with a rental car! Do they care NOOOO!!! SO GO SOMEWHERE ELSE THAT MIGHT COST A LITTLE MORE BUT THE PEOPLE ACTUALLY SHOW UP FOR WORK AND DO THEIR JOB.

A DOUBLE ZERO stars should be an option for this company, because they don’t deserve ONE single star, a Deer hit my vehicle causing some damage to the front of it, the appraiser guy only allowed for the front light to be replaced, but Completely Ignored the paint damage, then when I tried to reach out to them, they’re Never there to enquirer about the car, left Several Messages, and Still NOTHING, No Response No call back they Completely ignored ME, just Wanted to KNOW WHY didn’t the paint job got approved by them, when CLEARLY it was damaged by the impact, piece of advice, Take your money And RUN from this company, they are No Good, they Only care about their DEEP POCKETS, AND HOW MANY MILLIONS THEY GONNA MAKE, we’re just another expense to them, because that’s what I’m going to do….Take My Money/Business Elsewhere!!

If I could give this a zero, it would’ve been done. My grandson car was demolished totaled, but he managed to get out of it with just a scratch on my head and seen by ambulance on site. The police officer said that he hit water hydroplaned and the car flipped twice. The insurance NGIC/Direct Auto company proceeded to say that he did not have full coverage insurance. He applied online. Nobody called or sent any information to ask questions about where the vehicle was financed. I assume that with the vin number entered they would see it was financed. It was a new car 2022 Kia forte..the insurance company absolutely refused to pay for the car would not go look at the car. The Insurance Adjuster Leonard Parker was very rude. Ignorant wouldn’t let my grandson answer the questions correctly and he answered them for him with all incorrect answers. He has tried to get help and cannot get any attorney to help. It’s a shame how this insurance company can be so cruel. We do not do not recommend this company to anyone do not apply online.

If I could I would give them a zero. Honda of Sarasota made purchase this insurance before I went to the finance office. After spending hours waiting for the finance manager, I decided not to purchase the car. I contacted them the next day to cancel the policy. I was told to contact the dealer. I contacted the dealer, instead of helping they were trying to convince me to purchase the vehicle. I disputed with my bank. A staff from the bank contacted them. They claimed they couldn't find me in their system, they couldn't find my policy. Therfore they couldn't help me. I don't know what is the next step.

National General initially seemed like a reliable company when I first started my policy. However, over time, my fees increased after they claimed my policy had been canceled. When it was reinstated, I was charged one amount, but later, my monthly bill increased again. They explained that this was due to my reinstatement fee being lower than it should have been and also incorrectly claimed that my checking account had insufficient funds. As a result, I stopped automatic payments and began making payments online or through a representative because they were withdrawing funds on random days instead of my scheduled payment date. Despite explaining that I had switched to manual payments, they continued to provide incorrect information. I even offered to pull up my bank statements to show the discrepancies.

Another issue occurred when the company canceled my insurance for non-payment, even though my bill had been paid in full. When I spoke with a representative, he initially couldn’t find my payment. However, after I provided my bank statement and an email confirmation from their company, he suddenly "found" my policy but was unsure why it had been canceled. He claimed it was a computer glitch. Based on my experience, I feel this insurance company is disorganized and does not know how to properly conduct business.

This company is a zero! I do not have insurance from them, I do not do business with them, nor care about them, however, some scoundrel allowed my debit card to be illegally used by this company for some even bigger scoundrel to acquire insurance. Here's the deal folks, when a company knows that they don't have a customer, and charges a card for a joe blow stealing money or someones identity, they are just as gross in my book. DO NOT DO BUSINESS with identity stealers!

I cancelled my home and auto policies 10 days before their renewal date. Cancellation notices were issued. To my shock I found that my bank account was drafted more than $3k for their renewal anyway. I’m told it will be 15 days minimum before they can correct their error and issue my refund. As I read other reviews this seems to be a common practice for this company.

hello. I received notice in November 2024 that National General was cancelling my insurance (i do have a screenshot) i was forced to find and alternative and when i did-i notified NG and ceased policy a week before NG ended my policy. NG only refunded me $50. this should have been a $125 refund (i only had this ins for 2 months (12.50 per month=$25) this is not my fault for cancellation. NG cancelled me and I am entitled to full refund of $125. * please note cancellation by them was due to them not wanting to insure LSV’s. not due to claims (as there were zero)

UPDATE: National General reached out and did correct my refund properly. Im sorry it had to come to internet shaming but am very happy they communicated and did the right thing and I thank those involved.

A Auto Claim was filed and NG took weeks to decide if they were going to repair or total the car. Ultimately they chose to Total the car and that is when the lowballing with inaccurate appraisals and delay tactics started. Lucky for us we have a friend who is Very High up with the Scottsdale Police Dept who told us we were able to hire an independent appraiser which we were forced to do since NG initial offer was so low. Then after hiring our own appraiser NG refused to speak or negotiate with us directly and were again forced to spend more money to hire an Attorney to negotiate on our behalf. After almost (1) month went by our settlement went up by $5000.00 over their initial low ball offer. Stay Away from National General

Insurance was cheap through these guys for me. It's just that I sold my vehicle with 4 months left on my fully paid off policy. I called the main hotline and spoke with a call center representative who was kind and helpful. They couldn't get ahold of my agent at first so they told me that if I cancel my policy through them they will have to charge me like $35 for the service fee, but if I go through my agent I won't have to pay it or at least not as much as they charge. So I went through my agent who I haven't spoken to in years once they got ahold of him, only for him to take half my refund money, 2 months of insurance, for his service fee for being on the phone with me for literally 5 minutes. I know he's got to make money also but taking 2 months worth for his service fee is just greedy and ridiculous. It's clear he didn't give a care in the world about a loyal hardworking client for over 5 years, just with collecting one last payment from me as fast as he could before I moved on. I have always been on time and paid in advance for years with these guys. Just sucks to be taken advantage of on the way out. Thanks burbank office! Went from a 5 in my experience to a 1.

Stay away from this organization. I mean it they are not credible run from this company

Fraudulent, incompetent, no communication. The absolute worst!!!! Sales Agents tell you one thing, customer service reps and CHAT line tell you something different and are useless. National General and Direct Auto stay away from.

This is absolutely the WORST insurance company I’ve ever had in my 46 years of living. I was reluctant to even go with them because I’ve never heard of them. I had a recent increase with State Farm due to a teen driver and was shopping around and found them. I wish I never did and I should have trusted my gut. After my insurance was written they forced all of my drivers to use an app but didn’t tell me anything about this app until after I paid. Mikayla the person who wrote the policy was crazy calling me day and night to get the policy started. I felt very pressured by her, but never heard from her again after that. You are basically left hung out to dry with this company. The customer service is terrible and they don’t know anything ever when you call or email. I’ve had them for about three months and now today I get a letter of cancellation. The reasons in the letter are they think I have a wood stove, which I don’t. I have a gas fireplace like most people, my swimming pool is an issue apparently but they have no reason why. I have a five foot tall chain link fenced in back yard with two locking gates and live in the country. This is such a ridiculous company to deal with. You are a number to them and nothing else. I would strongly advise NOT going with this company.