If you’ve been involved in a car accident in Arizona and The General Insurance Company is involved—either as the at-fault driver’s insurer or your own carrier—you’re likely in for a challenging experience. As an experienced Arizona car accident attorney who has handled countless cases involving The General, I can tell you that this insurance company has earned its reputation for making the claims process unnecessarily difficult for accident victims. Here’s what you need to know about dealing with The General and why partnering with GAMESQ, PLC can make all the difference in securing the compensation you deserve.

Understanding The General Insurance Company’s Market Position

The General Insurance Company occupies a unique and troubling position in the auto insurance market. With approximately 0.3% market share nationally, they specifically target high-risk drivers who may have been rejected by other insurance companies or who are seeking the absolute cheapest coverage available. While their memorable advertising campaigns featuring animated characters might make them seem approachable, the reality of dealing with their claims department tells a very different story.

This business model creates a fundamental problem for accident victims. The General attracts customers primarily through low premiums, which means they must aggressively control costs when it comes to paying claims. This cost-cutting approach directly impacts how they handle your accident claim, often to your significant detriment.

As Garrick McFadden, the founder of GAMESQ, PLC, I’ve seen firsthand how The General’s approach to claims handling can devastate accident victims who are already dealing with injuries, property damage, and lost income. Their tactics are predictable, systematic, and designed to minimize payouts regardless of the legitimate value of your claim.

What to Expect When Dealing with The General’s Claims Process

Poor Communication and Accessibility

One of the first challenges you’ll encounter when dealing with The General is simply reaching someone who can help you. Their adjusters are notoriously difficult to contact, often failing to return phone calls promptly or providing conflicting information about your claim. This isn’t accidental—it’s a deliberate strategy designed to frustrate claimants and encourage them to accept whatever offer is eventually made just to end the ordeal. Even as a Phoenix car accident lawyer, I find dealing with this insurance company exhausting. It is hard to report back to my clients that I am not getting anywhere with the insurance company. This is one of the few insurance companies that I do not think you should try to represent yourself without a Goodyear motorcycle accident lawyer.

At GAMESQ, PLC, we understand these tactics and have developed systems to cut through The General’s communication barriers. We know which departments to contact, how to escalate issues effectively, and most importantly, how to document every interaction to build a strong case for our clients.

Minimal Investigation and Documentation

The General typically conducts the bare minimum investigation required to justify their predetermined decision on your claim. They’re not interested in uncovering evidence that might increase the value of your case—quite the opposite. Their adjusters are trained to look for any reason to deny coverage, reduce settlement amounts, or shift blame to the victim.

This superficial approach to investigation can be devastating if you don’t have experienced legal representation. Critical evidence can disappear, witness memories can fade, and medical documentation can become incomplete if not properly preserved and presented. As your Phoenix personal injury attorney, I ensure that a thorough, professional investigation is conducted immediately after your accident, gathering all the evidence necessary to build the strongest possible case.

Lowball Settlement Offers

Perhaps the most notorious aspect of dealing with The General is their approach to settlement offers. Initial offers are often insultingly low—frequently under $1,000 regardless of the actual damages involved. This isn’t based on any reasonable assessment of your losses; it’s simply their standard opening gambit designed to test whether you’ll accept minimal compensation without a fight.

These lowball offers prey on accident victims who are facing mounting medical bills, lost wages, and financial pressure. The General counts on people accepting these inadequate settlements because they need money immediately and don’t understand the true value of their claims.

It also sets the bar low so when they give you a slightly less awful offer it seems like they are being generous and that advocating for yourself you made that happened. Instead when I get a bad offer I file a lawsuit. I explain how much it is going to cost them to defend and I tell them what I am going to get at the arbitration: two times my medical bills.

Limited Authority Among Adjusters

The adjusters you’ll initially deal with at The General typically have very limited authority to make meaningful settlement offers. This creates a frustrating dynamic where you may spend weeks or months negotiating with someone who ultimately cannot approve a fair settlement. This is another delay tactic designed to wear down claimants and force them to accept inadequate compensation.

The General’s Defense Strategy in Arizona Litigation

When cases proceed to litigation, The General employs a predictable defense strategy that reflects their cost-cutting approach to claims handling.

Reliance on Minimum Coverage Limits

Most of The General’s policyholders carry only the state-required minimum insurance coverage. In Arizona, this means $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. These minimal limits create immediate pressure on claimants to settle quickly, even when their damages far exceed these amounts.

The General uses these low policy limits as leverage, essentially arguing that claimants should accept whatever the policy limits provide regardless of the actual extent of their damages. This strategy is particularly harmful to seriously injured victims whose medical expenses alone may exceed the available coverage.

Yet, sadly if the person who is insured by The General does not have any assets that might be the insurance that is available. Furt

Volume Defense Approach

The General typically employs defense attorneys who handle hundreds of cases simultaneously. This volume approach means that your case is unlikely to receive the individual attention it deserves. Defense counsel may be unprepared for depositions, miss important deadlines, or fail to adequately investigate the facts of your case.

While this might seem like an advantage, it actually creates additional challenges. Volume defense attorneys often rely on delay tactics and procedural maneuvers rather than engaging in good-faith settlement negotiations. They may drag out the litigation process hoping that financial pressure will force you to accept an inadequate settlement.

However, there is a trick here. When I was a defense attorney for Progressive. I had 92 cases at one point. I was barely keeping my head above water. Yet, if a Glendale Arizona car accident lawyer made it personal, I would spend time outside of the office and on the weekends making sure you got nothing.

Therefore I make sure that my clients are prepared to be charming and nice to the defense lawyer and I never try to upset them. I am firm with them. I am professional with them, but I do not do anything that will make them take this case personally.

Systematic Delay Tactics

The General and their defense counsel routinely employ delay tactics designed to increase the financial pressure on accident victims. These may include:

• Requesting unnecessary extensions of discovery deadlines
• Scheduling depositions at inconvenient times and locations
• Raising frivolous motions that must be addressed before the case can proceed
• Demanding excessive documentation that has little relevance to the actual issues in dispute

These tactics can extend the litigation process for months or even years, creating financial hardship for victims who need compensation to pay for ongoing medical treatment and replace lost income.

Uninsured/Underinsured Motorist Claims with The General

If you’re dealing with The General regarding an uninsured or underinsured motorist claim—meaning you’re seeking coverage from your own policy with The General—the experience can be even more frustrating. You might expect better treatment from your own insurance company, but The General applies the same cost-cutting approach to their own insureds.

Routine Denial of Valid Claims

According to the reaserch the General frequently denies UM/UIM claims that should clearly be covered under the policy terms. They may argue that the uninsured driver wasn’t actually at fault, that your injuries aren’t related to the accident, or that policy exclusions apply even when they clearly don’t.

These denials force their own customers to hire attorneys and potentially file lawsuits just to access coverage they’ve been paying for. It’s a particularly cynical approach that demonstrates The General’s prioritization of profits over customer service.

I must admit that as a Suprise Arizona car accident lawyer, I have never represented a client who had to make a UI/UIM claim.

Inadequate Settlement Offers on Legitimate Claims

Even when The General acknowledges that a UM/UIM claim is valid, their settlement offers are typically far below the actual value of the case. They apply the same lowball tactics to their own insureds that they use when defending against third-party claims.

This approach is particularly harmful because UM/UIM coverage is designed to protect you when other drivers can’t or won’t provide adequate compensation. When your own insurance company refuses to honor this protection, you’re left in an impossible situation without experienced legal representation.

Why GAMESQ, PLC is Your Best Choice for Cases Involving The General

Having handled numerous cases against The General Insurance Company, I understand their tactics, their weaknesses, and most importantly, how to beat them. At GAMESQ, PLC, we’ve developed specific strategies that are particularly effective against The General’s predictable approach to claims handling.

Immediate and Aggressive Case Development

The General counts on accident victims being unprepared and overwhelmed by the legal process. We flip this dynamic by immediately conducting a thorough investigation, securing all relevant evidence, and building a comprehensive case file that makes it difficult for The General to deny liability or minimize damages.

Our team begins working on your case immediately after you contact us. We photograph the accident scene, interview witnesses, secure police reports, coordinate with medical providers, and begin documenting your losses. This aggressive approach prevents evidence from disappearing and demonstrates to The General that we’re prepared to fight for full compensation.

Understanding Their High-Risk Market Approach

The General’s business model creates unique vulnerabilities that experienced attorneys can exploit. Because they insure high-risk drivers, their policyholders are more likely to have previous accidents, traffic violations, or other factors that could complicate their defense. We know how to investigate these background factors and use them to strengthen our clients’ cases.

Additionally, The General’s reputation in the legal community works against them. Judges and juries are familiar with their poor claims handling practices, which can create advantages for our clients during litigation.

Immediate Litigation Readiness

While many attorneys try to settle cases without filing lawsuits, The General often assumes that injured parties won’t follow through with litigation. They’re wrong when it comes to GAMESQ, PLC. We’re prepared to file lawsuits immediately when necessary and have the resources to see cases through to trial if that’s what it takes to secure fair compensation.

This litigation readiness often motivates The General to make more reasonable settlement offers earlier in the process. They know that we have the experience, resources, and determination to take cases to trial, which eliminates their primary negotiating advantage.

Leveraging Their Poor Reputation

The General’s poor reputation for claims handling can actually work in our clients’ favor during settlement negotiations and litigation. Other insurance companies and defense attorneys understand that The General’s unreasonable positions often backfire in court, creating additional pressure for them to resolve cases on reasonable terms.

The GAMESQ, PLC Advantage: Garrick McFadden’s Experience and Approach

As the founder of GAMESQ, PLC, I bring a unique combination of legal expertise and understanding of the insurance industry to every case involving The General Insurance Company. My AV rating reflects the recognition of my peers in the legal community, and my focus on car accident and personal injury cases means that I understand the specific challenges posed by carriers like The General.

Comprehensive Case Evaluation

Every case involving The General requires careful evaluation of multiple factors that may not be immediately apparent. I personally review each case to identify all potential sources of recovery, including:

• The at-fault driver’s insurance coverage limits
• Your own uninsured/underinsured motorist coverage
• Potential third-party liability (such as employers or vehicle owners)
• Product liability issues if vehicle defects contributed to the accident
• Premises liability if road conditions were a factor

This comprehensive approach ensures that we’re pursuing all available compensation, not just the obvious sources that The General wants to limit your recovery to.

Strategic Settlement Negotiation

Negotiating with The General requires a specific approach that accounts for their predictable tactics and limitations. I know when to push aggressively for higher settlements and when to file lawsuits to increase pressure. Most importantly, I understand how to present cases in ways that make it difficult for The General to maintain their typical low-value positions.

My experience with The General has shown me that they often increase their settlement offers significantly when faced with attorneys who clearly won’t accept their standard lowball tactics. This knowledge allows me to position cases strategically from the beginning to maximize settlement value.

Trial-Ready Representation

While most cases settle before trial, The General needs to know that you’re represented by an attorney who’s prepared to take your case all the way if necessary. My trial experience and track record demonstrate to The General that we’re not looking for quick, easy settlements—we’re committed to securing full compensation regardless of how much work that requires.

Protecting Your Rights Against The General’s Tactics

If you’re dealing with The General Insurance Company after an Arizona car accident, time is critical. The longer you wait to get experienced legal representation, the more opportunity The General has to implement their standard tactics designed to minimize your compensation.

Don’t let The General’s poor claims handling practices cost you the compensation you deserve. Their systematic approach to underpaying claims can be overcome, but only with the right legal strategy and experienced representation.

At GAMESQ, PLC, we understand that dealing with The General Insurance Company can be one of the most frustrating aspects of an already difficult situation. You’re dealing with injuries, property damage, lost income, and the stress of an unexpected accident—you shouldn’t also have to fight an insurance company that’s more interested in protecting their profits than providing fair compensation to accident victims.

Contact GAMESQ, PLC today for a free consultation about your case involving The General Insurance Company. Let us put our experience and knowledge to work for you, ensuring that you receive the full compensation you deserve regardless of The General’s tactics. Visit us at gamesqlaw.com or call our office to schedule your consultation. Don’t let The General’s poor reputation for claims handling become your problem—let us handle them while you focus on your recovery.

Remember, you only have one opportunity to resolve your claim properly. Don’t let The General Insurance Company’s predictable tactics prevent you from securing the compensation you need and deserve. Contact GAMESQ, PLC today and let us level the playing field in your favor.