How to Handle Your National General Insurance Claim
If National General has said your car is a total loss, the offer usually comes from a valuation report. This guide walks through how that number is often built and how to check it yourself before you respond.
How Total-Loss Offers Work
How your National General total-loss offer is usually built
This is the general total-loss process most auto insurers follow. Your policy and state rules decide the details.
An insurer usually declares a total loss when repair costs come close to, or pass, the car's value. The exact threshold depends on your state and policy.
The offer is often based on a valuation report that estimates your car's actual cash value from comparable vehicles sold or listed near you.
Each comparable may be adjusted for mileage, options, packages and condition, and those adjustments can move the final number a lot.
Depending on your state, sales tax, title and registration fees may be added to the settlement.
On a claim under your own policy, your deductible is usually subtracted. If the car is financed, the lender is often paid first.
The first figure from National General is an offer. You can ask how it was reached and send your own evidence before you accept.
Steps to Check the Offer
How to check your National General total-loss offer
Work through these before you accept or reject the number.
Ask National General in writing for the full valuation report behind the offer, including every comparable vehicle.
Check each comparable: same year, make, model and trim, similar mileage, and a reasonable distance from you.
Compare the options and packages in the report with your window sticker or build sheet, and note anything missing.
Check the condition rating. Photos, maintenance records and receipts for recent tires, brakes or other work may support a better rating.
Gather your own comparable listings from your area and keep links or screenshots with dates.
Read your policy for an appraisal clause and any deadlines, and keep every message with the insurer in writing.
Ask in Writing
What to ask National General for in writing
The complete valuation report, with each comparable vehicle and the adjustments applied to it
How your car's condition was rated, and what each condition adjustment is based on
A line-by-line settlement breakdown: value, taxes, fees, deductible and any salvage deduction
The section of your policy that covers appraisal or disputes over the amount of loss
If the car is financed, the lender payoff figure and how any remainder will be paid to you
The Appraisal Clause
If your National General policy has an appraisal clause
What it is
Many auto policies include an appraisal clause for disagreements over the amount of a loss. Read your National General policy to see whether yours has one and what it says.
How it often works
Where a policy has one, each side usually picks its own appraiser. If the two appraisers disagree, they may choose an umpire, and an agreement by two of the three often sets the amount.
What it may cost
Each side often pays its own appraiser and shares the umpire's fee. Weigh that cost against the gap between the offer and the value you can support.
If there is no clause
You can still send your evidence and ask the insurer to reconsider in writing. Your state's department of insurance takes consumer complaints, and a local attorney can explain your other options.
Frequently Asked Questions
Common questions about National General claims
How InsurifyAI Helps
Tools to dispute a National General offer yourself
InsurifyAI gives you tools to check the insurer's numbers and document your claim yourself.
Free Report Check
Answer a few questions for a free check of what commonly gets missed in an insurer's valuation.
Comparable Vehicles
The Full Claim Kit includes market comps from authorized sources, so you can set them beside the insurer's list.
Valuation Report
The Full Claim Kit includes a total-loss valuation report you can send with your response.
Letters You Send
Draft a dispute letter that lays out your evidence. You review it and send it yourself.
Certified Mail
Send your letter by USPS Certified Mail with tracking, straight from your account.
One Claim File
Upload the insurer's documents, your photos and records, and keep the claim in one place.
Dispute a National General offer
Know what goes into your National General offer before you accept it. InsurifyAI gives you tools to check the insurer's numbers and document your claim yourself.
Free to start. No credit card required to sign up. Paid kits are a flat fee, never a cut of your settlement. Results vary. Not legal advice.
More total-loss help
Total-loss rules by state
InsurifyAI is an independent claims-help service. We are not affiliated with, endorsed by, or sponsored by National General. National General is a trademark of its owner and is used here only to identify the insurer a claim is with.