How to Add a Vehicle to a National General Auto Insurance Policy

Adding a Vehicle to National General Auto Insurance

National General Insurance allows existing policyholders to add a vehicle to an active auto policy through multiple channels. Whether you purchased a new car, a used vehicle, or are adding a second car for a household driver, the process requires specific details about the vehicle and its intended use. Understanding the steps, required documentation, and coverage implications helps you complete the addition efficiently and avoid gaps in protection.

Methods to Add a Vehicle

National General offers several ways to add a vehicle, depending on your preference and access to your policy details.

• Online Portal: Log in to your National General account, navigate to your policy, and select the option to add a vehicle. Enter the VIN, make, model, year, and mileage, then review the updated premium before confirming.
• By Phone: Call the National General customer service line listed on your insurance ID card. A representative will collect the vehicle details and process the endorsement on your behalf.
• Through Your Agent: If you work with a local agent or broker, contact them directly. They can submit the vehicle addition and adjust your coverage limits if needed.
• Mobile App: National General's mobile app provides a streamlined interface for policy changes, including adding new vehicles to your existing policy.

Information You Will Need

Before initiating the addition, gather the following details to prevent delays in processing:

• Vehicle Identification Number (VIN)
• Make, model, and model year
• Current odometer reading or mileage
• Primary use of the vehicle (commute, pleasure, business)
• Name and date of birth of the driver(s) listed on the policy
• Lienholder information, if the vehicle is financed or leased
• Safety features installed, such as anti-theft devices or driver-assistance systems

Timing and Coverage Gaps

Ideally, add a vehicle to your National General policy before you drive it off the lot or within the first few days of ownership. Most standard policies include a short grace period for newly acquired vehicles, typically 14 to 30 days, but this varies by state and policy terms. During that window, the new vehicle may receive the broadest coverage already on your policy. However, relying on this grace period is risky, and it is best to formally add the vehicle as soon as possible.

Driving without the vehicle listed on your policy can create complications if you file a claim. National General may deny or limit a payout if the vehicle was not disclosed at the time of the incident, even during a grace period.

Impact on Premiums

Adding a vehicle almost always changes your premium. The increase depends on several factors:

National General calculates the additional premium based on the vehicle's risk profile and the drivers assigned to it. You will typically receive a confirmation with the updated premium amount before the change is finalized.

Coverage Endorsements to Consider

When adding a new vehicle, review whether your current coverages are sufficient or need adjustments. Common endorsements to evaluate include:

• Comprehensive and Collision: Required if the vehicle is financed or leased. Choose deductible levels that align with your financial comfort.
• Uninsured/Underinsured Motorist: Protects you when the other driver lacks adequate coverage.
• Roadside Assistance: Adds towing, lockout, and flat-tire service for the new vehicle.
• Rental Reimbursement: Covers a rental car if the added vehicle is damaged in a covered claim.
• Gap Insurance: Covers the difference between the vehicle's actual cash value and the loan balance if the car is totaled.

Removing a Vehicle Later

If you sell, trade in, or remove a vehicle from your National General policy, contact the company promptly. Removing a vehicle reduces your premium, but you must ensure the vehicle is no longer being driven on public roads without its own coverage. National General can issue an endorsement to drop the vehicle from your policy, and you may be eligible for a pro-rated refund on the unused portion of the premium.

Frequently Asked Questions

Can I add a vehicle to someone else's National General policy?

Generally, the vehicle must be added to a policy held by someone with an insurable interest in the car, such as a spouse or parent. National General will verify the relationship and the listed driver's eligibility before processing the addition.

How long does it take to add a vehicle?

Online and app submissions are typically processed within a few business days. Phone and agent-assisted additions may be completed on the same day, depending on the time of request and the completeness of the information provided.

Will adding a vehicle cancel my existing policy?

No. Adding a vehicle amends your current policy through an endorsement. Your original coverages, deductibles, and limits remain intact unless you choose to modify them.

Adding a vehicle to your National General auto insurance policy is a straightforward process when you have the right information ready. Whether you use the online portal, call customer service, or work through your agent, completing the endorsement promptly ensures continuous coverage and avoids potential claim disputes down the road.