At the Stephens Law Firm, we know that navigating insurance after a car wreck is stressful. Every insurance company is different and requires a unique approach. One you might recognize is The General. The agency is recognizable for its commercials featuring a cartoon military general. For many drivers, it’s a popular choice, but it is not without its issues.
The General Has a History of Lawsuits
The General is an insurance company in operation since the turn of the 21st century. In addition to the cartoon general, it also featured advertisements with legendary Shaquille O’Neal. Before this, it operated as the Permanent General Agency owned by its parent company.
The General covers drivers in Texas, Ohio, Louisiana, California, Arizona, Georgia, and Florida. It is a subsidiary of PCG Holdings, an affiliate corporation of American Family Insurance since 2012.
The company has faced class-action lawsuits for making illicit telemarketing calls. As with any insurance company, you have to expect that they don’t necessarily have your best interests in mind. Instead, they are about their bottom line.
Targeting High-Risk Drivers
In its marketing scheme, The General aims to market in the nonstandard auto insurance base. Their focus is on providing insurance to people who may not qualify for coverage from larger standard companies for various reasons.
Inexperienced, a bad driving record or other high-risk categories may disqualify applicants from other companies. The General reports they “accept most drivers” with low monthly payments and down payments.
Often, high-risk or bad drivers will carry the bare minimum of liability insurance. These limits will comply with legal standards, but it might not go far in the damages of a car accident.
The General Tries to Delay Payouts
So, what does all this mean for you, and why should you contact an 18-wheeler wreck lawyer in Houston after a car crash?
Over our decades of experience, our law firm has learned how to work with various insurers. We know many of our clients find The General challenging. The issue is a hallmark of most insurance providers offering nonstandard auto insurance coverage.
Nonstandard insurance companies will often “delay and defend.” It’s a tactic to circumvent liability when their driver is at-fault in a car accident. Suppose the injured party does not follow through with obtaining damages while the company delays and defends. The insurer knows it will save money and avoid responsibility.
As a victim, these delays can affect you drastically. It may hinder your ability to obtain proper medical care and the compensatory damages you deserve. Any delays in medical care may also weaken your claim as you seek full compensation.
Call an Experienced Car Accident Lawyers in Houston
If you need assistance navigating the claims process, you need an experienced Houston vehicle wreck attorney on your side. Contact the Stephens Law Firm for that expert assistance.
Our expertise comes from decades of experience handling personal injury cases in the Houston area. We understand this is a difficult time. With a lawyer on your side, you can be defended against the General and get results. Call for a free consultation!
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