The person who hit my car has this insurance company and the assigned adjuster did not return our phone calls after the initial week. It's been well over 30 days since we have heard anything from her and our damaged car has yet to be fixed. We have sent emails and left many voicemails for her and did not receive any information until we contacted another adjuster who was only able to give us limited information. This is frustrating and like other comments have said, this company may not be holding their employees accountable for their job. So annoying that we are without a car for over a month now with no word from them. Just wanted to put this review here in case others are going through the same thing or are forced to work with them. UPDATE: We got connected with another adjuster and the manager of our original adjuster and things turned around super quickly. Both were so helpful and quick with their responses and actions. So it seems like a problem with just the assigned adjuster, which we already complained about. read more

I had a very disappointing experience with this insurance company. Communication was poor, and getting answers to simple questions took multiple calls and emails. When I needed assistance, representatives were either unavailable and did not return phone calls. When I tried escalating to the appropriate mangers, they did not return calls after repeated attempts. As such my car repairs have been delayed for over 3 weeks now and still not resolved/approved. Customer service is especially important when dealing with insurance, and unfortunately this company fell short of my expectations. Based on my experience, I would not recommend them to others looking for responsive and reliable service. read more

Very disappointing experience with National General. I have full coverage, but my claim is moving extremely slowly, and I'm constantly being told they are waiting on DoorDash or Uber. The delays and lack of communication have caused me a lot of unnecessary stress. I expected much better service from my insurance company when I needed them most. read more

Do not ever choose this insurance company they won't return your calls or emails and if you have apart that is on backorder or it takes them 2 weeks to move it to a shop they will not reimburse you the $900 on your policy. They will base it on there estimate on how long they think it should take for body shop to fix your as and the clock starts ticking as soon as you file a claim. Please take my advice. This has been the most horrible experience I have ever had . Complete scam. Also I have an app I was given by the person that sold me the policy that says Direct Insurance. These are LLC of Allstate. Stay Away! read more

National General Insurance - This is my jeep still waiting on an axle. Today is August 16. The accident occurred on June 21 2026. - Insurance Near Me - Tracy, California

Probably the worst insurance company out there when the employees don't hang up on you they either lie to you or charge you more money. I wish I could give negative stars. If you wanna hate your insurance company even more go to this one. read more

Terrible insurance to have, I should of known better owing a brand new 2025 tacoma with 0 mileage my adjuster name was Sean, my windshield to my vehicle was cracked on the road by an accident that occurred by a vehicle in front of me. Clearly not my fault and an accident that this insurance couldn't help by any means. Ill be paying for this damage out of pocket and canceling my insurance policy with National General what a loss for them as i will be paying insurance for a very very very long time read more

National General Insurance - Cracked windshield - Insurance Near Me - Tracy, California

What a joke of an insurance company, my daughter hit a deer with a car she bought 3 weeks before hitting a deer and now national general is doing nothing but giving the run around. If you have their insurance get different insurance they are a joke. They take your money from payment and gives the run around when there is a claim. They need shut down read more

Like what everyone else says, the assigned adjuster does not return calls and seems to purposely create delays to get your car repaired, several weeks have passed. It seems they don't issue customer surveys, which tells you they don't hold their employees accountable, so their employees don't care. Like a typical insurance company, slow to pay out. read more

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. read more

National General Insurance - Insurance Near Me - Tracy, California

I have had them for several years with no problems. Our agent was great but as soon as we filed a claim and had to deal with the claims department it all went to crap. They don't respond to calls or emails. They finally sent their inspector to look at the vehicle damage then lowballed the amount they were willing to pay. After 2 weeks of trying to contact them (with Honda also trying) I got a one line email stating they issued payment to Honda. Only Honda never got the money. So we spent another 2 weeks with them Never responding to emails or voicemails. Finally, after 2 months with the car in the shop they refused to pay the full amount. They also doubled our premium added our 28 yr old son to the policy without even mentioning it to us. Yesterday I cancelled our policy with them. Never again. read more

I had National General for one year--home and auto--and I can honestly say my only decent experience with this company was when I didn't have to speak with them. After getting into an accident in August, that had to change. Filing the claim was easy enough, done online, and that was where the ease and convenience ended. My Adjuster, Nita Love, at first would only correspond via email or vague text message. When I asked for a direct phone line to reach her, she ignored the requests multiple times. The initial repairs were completed, and I hoped to be done with NGIC. One more issue was discovered by the dealership's service shop, and they submitted a request for supplemental work on a Wednesday [Day 1]. Nita didn't acknowledge the request until Monday [Day 5], at which time, she said she would pass it along to the supplement department for review--24-48 review period. I called her on Thursday[Day 9] and she had no update. When I called on Friday[Day 10] and got the same answer, I asked for someone from that department's information so I could reach out myself. I was, again, ignored. When I called the next Monday[Day 13] for an update, she didn't answer her phone. Same for Tuesday and Wednesday. I left voicemails that were never returned. Finally on Thursday [Day 16], I called the general number and asked for Nita's supervisor by the agent working. I was given a name and number, but Nita's supervisor would be out of the office until the next week. When the supervisor got back to me, things finally started moving along. But incorrectly. The supplemental work was approved ( as my car had been in the shop for two weeks at this point exhausting my rental car allowed for this claim, I was paying out of pocket). Unfortunately, they addressed the supplemental check to the body shop rather than the dealership's repair shop and mailed it off. When I finally got ahold of Nita, she said we would have to wait as long as it took for the body shop to receive the check, decline it, and notify NGIC that it was declined. Nita's supervisor understood how frustrating and unnecessarily drawn out this entire process had been and offered the alternative solution (that she did not suggest) of cancelling the check to the body shop and e-paying the supplemental payment to me, as I had finally had no choice but to go and pick up my car and pay out of pocket for the repairs to avoid having to pay for a rental another day. The accident was on August 16th, and I wasn't paid the final supplement until November 18th. The lengthy process was not due to extensive repair time nor parts. It was due to neglect and poor customer service by NGIC. I was so turned off by the entire experience that I switched insurance the second I was able to. Customer service is practically nonexistent. God forbid you actually need to get in touch with the insurance company you're paying for! read more

I bought a camper in August 2016 and always have my insurance through NG. It was on autopay at $20/mo. This year at the beginning of August, my autopay stopped and when I logged in, I found they had changed my renewal to July and raised my rate to $35/mo. No claims or changes. I found a new policy at half the cost and went to cancel NG in August only to be told there was an early cancel fee of $100. This was never disclosed and my renewal was always August. Don't trust them, there's a reason they have low reviews. read more

I am NOT insured by this company however, I had the most amazing experience with Donna who helped me file a claim. She was nothing but helpful, kind, understanding and supportive in this type of situation. If there were Donna's around the world would be a better place! I'm really appreciative to have spoken to her and received the help needed. read more

So my NIGHTMARE experience started when I was recommended by "The Baldwin Group" They set me up with National General as my auto insurance because of the cheap rates. WHAT A MISTAKE. So, I had just gotten married prior to using National General as my insurance. Me and my wife were long distance during the time in which I had gotten the policy and they had not mentioned anything initially about my spouse upon me signing the documentation and paying, however later in the month they reached out and said they needed her proof of insurance which I kept providing but since she is under her moms insurance it did not have her name on it. They then said it was not sufficient because they needed something with her name on it. I then stated that my wife does not even live in my household and I asked why she even needs to be on it. They then reached out and said "well, if your wife does not live in your household then this may not apply to you, does she not live in your household?". I then replied and confirmed that she indeed does not live in my household. They never responded after that. So in my head I'm thinking okay, so they no longer need her information since I confirmed that she is not living with me and they haven't replied. They intentionally ignored my email where i stated this and waited till after their "deadline". They then responded by telling me I am past the deadline to provide my wife's information and JACKED my rates up to $518 a month completely ignoring where someone had told me that this wont apply to me if she's not living with me. HERES THE KICKER, I canceled immediately but I now owe $518 to national general because they charged the entire month that I was with them as if my wife was on the policy and driving my vehicles!! all because they ignored my email confirming that she does not live with me. Its almost like they reel you in with a good price and then intentionally trap you with Higher Rates by putting you through a loophole you cant escape. RUN FROM THIS COMPANY!!! 0 STARS. read more

This place is a scam. Don't trust these people they will use anybody's address for profit. They've been using my address for a couple of years now and they won't do anything to fix this. I've called several times and they won't fix the issue. Scam scam scam beware. read more

I spent 9 weeks waiting on my claim to be finalized. 9 weeks of checking in with anyone who would bother speaking with me, and 9 weeks of hearing people blame someone else for the delay in the process. 9 weeks of waiting without any updates on the process, save what I was able to track down myself. 9 weeks of rude and dismissive experiences. Save yourself 9 weeks and move on from National General. read more

It's been two weeks haven't heard from the company just giving me the runaround. This company is no good. I was on hold for a half an hour then got disconnected adjuster never answers or calls back. read more

I had one their customers hit me in the back. While driving under the influence of Alcohol. Been try to contact them for the last 3 weeks to finalize my claim. No answer, please don't not get in a accident with one of their customers. They will do all they can to not pay you. Ignore phone call won't call you back. Stalling tactic like ( send me this document) you send in the document they ask for. When you think your claim is finalized ( they will ask for another document). That's stalling tactics, why not ask for everything at one time. They will do their best not to pay you. Poor customer service they agents are terrible read more

This company insures a driver who plowed into a car stopped at a red light which then plowed into my car. The adjustor refuses to take liability for the damages to my vehicle. In addition to refusing liability when the driver was clearly at fault, the adjustor was rude, took weeks to get back to me and was generally a terrible person. Her name was Emily Rivers. read more

Very frustrating experience, claim was opened and adjuster was impossible to get a hold of. Ignored my calls, texts went unanswered. Do yourself a favor, stay away. Rates come out on the low end and unfortunately you do get what you pay for. read more

Terrible insurance company. Filed a claim a month ago after getting rear ended. Our adjuster, Becky Goble, never responded to any of our calls or communicated in any way to help us. No updates, no assistance, and car is still damaged. Avoid this company at all costs. I'd do 0 stars if I could. read more

I would give them 0 stars if I could they totally are unprofessional worse experience ripped me off , awful customer services , biggest NO car insurance, stole my money read more

If I could give 0 stars I would, not even my insurance but filed a claim with them after being hit, it's been 2 months and counting and they haven't done nothing, lowballed us with a cheap check, not answering and unwilling to pay the full amount of damage, what is the point of the company if they're going to keep dodging phone calls and avoiding their own clients mistake, hope this place closes asap and I hope you read this. read more

I inherited National General Insurance, also known as Direct Auto Insurance, fromEsurance which left California after the many fire disasters. I did not research other companies and decided to stick to the recommended Direct Auto Insurance. DO NO BUY DIRECT or National General Insurance. I was in a minor accident, and as of this writing since 10 days of the accident, no one has come out to look at the vehicle. Repeated phone calls and emails are left unanswered. Trying to get any customer service is next to impossible. I cannot stress enough not to buy this insurance company. read more

Had an amazing call with Lili today and would like to say very professional and helped me so much. Great experience.

Cannot cancel. I purchased a better policy through FEMA. I am unable to cancel the National General flood insurance policy I purchased through Beyond Floods. I received this email responding to my request: "Please note, your agent/agency advised you correctly. Unfortunately, we are unable to cancel this policy due to the insured finding other flood coverage with another carrier. The only way we could cancel due to duplicate coverage is if the policy with the other carrier has an effective date is the same day or predates the effective date with Beyond Floods. This does not appear to be the case for this policy. For this reason, it cannot be cancelled it must expire." read more

They gave us an absurdly low offer on the damage to our vehicle and we are still fighting them a month later and have had to take public transportation this entire time. read more

Worst customer service ever if you can even get past AI phone system. Finally was able to cancel policy because the rates were significantly higher than competitors and they took an extra month of premiums and refused to reimburse me. read more

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. read more

I was in an accident on the 6th of March and one of their customers T-boned me. He came speeding towards the light before it changed and hit me without attempting to change course. Later we found out that it was not his vehicle, he did not even have a driver's license, and he either falsified his name or he is not registered in america. This would seem open and shut in my opinion, but the insurance decided to take his side. So you're telling me that someone that is on the road illegally for several reasons can almost kill a disabled veteran and they're going to side with him? And when I mentioned that I might make this go to court they have the gall to ask me if I really wanted to ruin someone's life over this. I hope you can say that to my family's face, because he had no problem almost doing that to mine. BTW the agent that said that was :Jonathan Garcia read more

National General Insurance - The damage THEIR customers did to me - Insurance Near Me - Tracy, California

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I got insurance from them and when I went to cancel I got the major runaround. Put on hold for the longest time listening to horrible music. Asked to speak to a supervisor and they couldn't find one. I should have researched them better but was never told canceling would be almost impossible!! I'm still waiting for help after 30+ minutes of music, yuck!! They don't seem to have a department to help with canceling their services, or any supervisors that are available either!! DON'T SIGN UP WITH NATIONAL GENERAL INSURANCE EVER!! read more

If you use online accounts and have more than one policy, avoid this company. We have 3 rental properties insured by them. Previously for online access,you couldn't have more than one policy per log in. Each one required a different user ID. That was annoying, but tolerable. I went to log in today and they switched their system to login by email instead of user ID. So I had to reregister. They still don't provide a way to have more than one account. However now instead of different user IDs, they expect you to have different email addresses for each policy read more

terrible. i cancelled my insurance 2 months ago. they STILL continued to take $300 from me. i called to get a reimbursement, only to get $42. I ALSO needed a tow cuz my car broke down on the freeway. no one answered me. didnt call back until a week later asking if i still needed one. obviously not- terrible insurance, save yourself and go else where. read more

On March 1st, I paid $660 in full for car insurance, only had it for one day and was refunded $565.00 via check on March 16th. I was charged $95.00 for coverage for ONE DAY! WHAT A RIP OFF. GEICO is the better choice. Charged me a bit more but I have better coverage and great customer service. The representative I spoke with at NGI, barely spoke english. read more

Absolutely horrible company. They always tried to bill me additional charges even though I paid in full for six months. Total joke of a company! I would never recommend them to anyone, not even someone I disliked, because I would like this company to fail. read more

Absolutely AWFUL insurance company. It has been ONE MONTH, and my boyfriends car, which was a hit and run, is still not being seen by a repair shop! AWFUL agent, Alexandra Cady, who not only DOESN'T answer her phone but NEVER returns our phone call!!! AND, very difficult to get a HUMAN on the phone.. Trying to get a supervisor. I will get obtain a lawyer, if need be. And will report to the Better Business Bureau. This has been a nightmare. Shady company. read more

Just had my truck stolen. The police arrested the person and got my truck back. My insurance national general wanted my phone call history, and all these useless information like the size of my tires and the size of my engine. None of that was taken. I gave them everything they asked for. Now my father is receiving a letter from them saying I am trying to sue him for the money even though he had nothing to do with anything and I'm under the same policy with him. Thinking about getting a lawyer at this point read more

We had National General Insurance since 2017. In June 2025, our daughter had an accident. The first time it was our fault. We were paying under $300 each month. They did automatic withdrawal from our account. September 2025, the withdrew over $800 from our checking account. We called and asked, why so high. They said, my daughter was unlicensed. Which was untrue. I would NEVER let anyone drive our vehicles without a valid license. Then it was, we didn't give them some info in time. Then it was the accident. I informed the agent, this was more than we could afford. We found another insurance carrier and called them back, later that week. And cancelled the policy I just got a call from a collection agency. Stating I owe Nat Gen over $1300. That DIRTY! They jacked up our insurance, $600 more a month. So we had to cancel the policy. Then suddenly I owe them $1300. They're trying to ruin my credit. Because I wouldn't pay them $850 a month. National General Insurance is LOW! read more

I wish I had read reviews before paying them a to. of money for car and home insurance. we had an accident two days ago and have heard nothing from them and can't get a human on the phone despite multiple calls and messages. absolutely awful read more

On March 22, 2025, while on my way to visit my 86-year-old father, I was hit by an uninsured driver who ran a red light. Police officers, firefighters, and EMTs arrived at the scene, and the police report confirmed that the accident was entirely the other driver's fault. My car was totaled, and I sustained several physical injuries. I went to the emergency room for evaluation and then followed a months-long course of chiropractic treatment. I filed a claim through my insurance company, National General, and the experience was a nightmare. I had to work with two separate departments--one handling my vehicle damage and the other managing my bodily injury claim. The department responsible for my car was responsive, professional, and empathetic. However, the department handling my physical injuries was horrendous. Sam Frederick, the Bodily Injury Claims Representative, created one of the worst customer service experiences I have ever had with any insurance company. His lack of empathy, failure to return calls or emails, and consistently unprofessional, condescending tone made an already difficult situation even worse. I frequently had to escalate my concerns and contact his supervisor just to get a response. His initial estimates for my injury, pain, and suffering were unreasonably low, forcing me to repeatedly provide documentation and evidence to justify the extent of my trauma and ongoing pain. Needless to say, I canceled my policy after the claim was finally settled. I decided to write this review so others are aware that National General employs representatives who lack empathy, professionalism, and basic customer service skills. National General, please take better care of your policyholders and carefully select your representatives so you don't continue to lose customers. Sam Frederick provided an unacceptable and deeply disappointing experience. read more