Funeral costs: Pays for “reasonable and necessary” funeral, burial or cremation expenses if an insured driver dies from injuries within 24 months of a covered accident.
The General has many add-on options you can buy to boost your coverage. Gap insurance pays the difference between what you owe on a car loan and what you receive as an insurance settlement if the car is totaled. Personal injury protection insurance is required in some states, and is optional in others. This type of auto insurance compensates you and your passengers for medical costs if injured in an accident, regardless of who caused the accident. Uninsured motorist coverage is sometimes required, but not in all states. It applies to you, family members and anyone else riding in your car at the time of the accident. This coverage pays for injuries and for property damage if you’re in an accident caused by an uninsured or underinsured motorist. This coverage pays for medical expenses that you, a family member or a passenger racks up as the result of a car accident. The both also pay out up to the actual cash value of your vehicle, minus your deductible. Collision and comprehensive insurance are optional coverages, but are typically required if you finance your car, and both carry a deductible. Collision car insurance kicks in when your car runs into another car or an object (like a utility pole or a tree). For instance, it covers damage from flooding, hail, fire, vandalism, falling objects or animal strikes. This type of coverage pays for damage to your car that wasn’t caused by a collision. Most states require motorists to carry a minimum amount of liability car insurance. The coverage applies to you and your spouse as well as any relative in your household.
Liability auto insurance pays for injuries or property damage that you cause to someone else in an accident. The General sells the following types of car insurance:
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