Claims Frequently Asked Questions

It's simple! Call 1-800-468-3466.

• Have your National General Insurance Policyholder Number handy.
• Be ready to explain the details of the loss.

• Always drive with your license, registration and insurance card handy. In the event of an accident or incident, you will have all the information you need at your fingertips.
• Keeping your auto insurance policy information current speeds all your auto insurance processes, including reporting and resolving your claims.
• If an accident occurs, stay calm. Make sure you call authorities as well as a National General Insurance Claims Representative.
• Make sure you have written down the names, license plate numbers and insurance information of others involved.
• If the police are there, get the officer's name and the police department's location if possible.
• Write down cross streets or landmarks when an accident has occurred.
• If you have a camera, take some quick photos. When you are asked to describe the accident – particularly if there are complex intersections and turning lanes involved – this will be helpful in remembering the details.
• It is generally recommended that you only discuss the details of the accident with the police, your local agent, or your National General Insurance Claims Representative.
• Keeping track of your paperwork, including the police report, your claims number, and the name and phone number of your assigned National General Insurance Claims Representative will also speed processing.

Since there are many kinds of claims – everything from a fender-bender to a total loss – there's no predicting exactly what will happen to your premium in the event of a claim. Don't assume your rates will go up!
 
Generally speaking, you will not be penalized for something that has no bearing on how much risk you represent. We certainly don’t have any intention of penalizing someone for something that is not their fault. Some things will cause your rates to increase, including:

• Numerous accidents over a short period of time
• A history of reckless driving behavior
• Accidents due to DWI or DUI

The best idea? Safe and responsible driving behavior. Accidents do happen – and when they do, we’re here to help.

Depending on the claim, it could take as little as 24 hours to process. The more details you offer, the easier it will be for us to settle your claim quickly and accurately. Claims that involve more complicated settlements, such as disputes over who is liable, will take longer to process. Because it is our goal to make the claims process as efficient as possible, we promise to work hard to get your claim settled in the shortest amount of time possible.

• Make sure you are safe from oncoming traffic.
• Make sure you, your passengers and others involved in the accident are okay.
• Call authorities.
• Call National General Insurance at 1-800-468-3466.
• Do not assume that you are fine. Let someone know you are injured or get to a hospital or doctor if you have any doubt at all that you might be hurt.
• Exchange insurance information as well as the names, license plate numbers, and phone numbers of others involved. Also note the names and numbers of witnesses if possible.
• Document the date, time and location of the accident.
• Record landmarks, names of streets or the address where the accident occurred.
• If you have a camera, take some quick photos. When you are asked to describe the accident – particularly if there are complex intersections and turning lanes involved, this will be helpful in remembering the details.
• In the case of a hit-and-run, jot down whatever you can – vehicle description, partial license plate, etc.
• It is generally recommended that you only discuss the details of the accident with your auto insurance company or authorities.
• Do not admit fault or assess blame; it’s very human to feel at fault after an accident, even if you are not at fault legally!
• Get the names of witnesses before they leave the scene.
• Get the name and department of the police officer on the scene.