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The General Auto Insurance Review & Complaints

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the general auto insurance

She truly enjoys helping others learn more about everyday, practical matters through her work. To ensure the most secure and best overall experience on our website we recommend the latest versions of Chrome, Edge, Firefox, or Safari. Internet Explorer will not be supported as of August 17, 2021. Since the inaugural season of the SYFL, there have been over 1,500 kids in the greater Los Angeles area that have participated in the League. The artist’s voice has also been featured in the animated films Turbo, Arthur and the Invisibles and Hotel Transylvania and TV shows, including The Simpsons, King of the Hill, Futurama, The Boondocks and The Cleveland Show. As a producer through his company Snoopadelic Films, Snoop Dogg has produced Mac & Devin Go to High School, Boss’n Up, Hood of Horror and Reincarnated .

Both states have relatively low rates of people driving without insurance. Please note that if you request to be contacted by a Progressive agent, the agent may have different privacy practices. To serve you better, the agent may share your information with other insurance companies to obtain competitive quotes or offer other products and services to you.

The Insurers are solely responsible for any claims, and coverage is subject to policy terms and conditions. OnStar Insurance Services seeks to create a centralized location for customers’ automotive insurance needs. In the coming years, OnStar will work to provide customers with a seamless insurance shopping experience. With OnStar Insurance Services, convenient online support will be available, and OnStar Insurance Services’ agents will stand ready to help customers with insurance needs.

The General’s coverage options are, quite frankly, barebones protections. While there are some supplemental options like roadside assistance and rental reimbursement, don’t expect the luxury of accident forgiveness. And when you need to file a claim, you’ll have to do so over the phone — though it offers live chat and online policy management, The General doesn’t allow its customers to file claims without talking to a representative. If you have a hard time finding coverage elsewhere, just being able to obtain insurance may be a big draw. But the cost of such insurance can be steep — and we don’t just mean premiums.

The General Taps Shaquille O’Neal in Emotional Insurance Ad Campaign – Variety

The General Taps Shaquille O’Neal in Emotional Insurance Ad Campaign.

Posted: Tue, 13 Apr 2021 07:00:00 GMT [source]

Disclose use, and ask for more information if you need to use your car for work. The General® offers a free, highly rated app for Android and iOS. It covers all the basics, allowing you to get a quote, make a payment, view your ID cards, or submit a claim.

Comprehensive product development and program management solutions to capital intensive insurance and reinsurance companies. From our Driver Distractions program to Cargo Securement, we also provide risk control solutions to address the toughest challenges. Our Underwriting and Risk Control professionals offer tailored industry-specific coverages and provide the tools and resources to understand exposures and address potential losses. And if there is a claim, our skilled Claim professionals are dedicated to working diligently and quickly with policyholders. No matter what industry a company may serve, chances are their customers are spread far and wide. Which means getting to them may be one of the most important parts of day-to-day operations.

The General is intended for drivers who may face steep rates from other insurers, but that doesn’t mean it will be able to provide those drivers with the protection they need. Few coverage options and a history of complicated claims resolution keeps us from recommending The General. Even if it offers lower rates than the competition, you might eventually get hit with unexpected fees that drive up the price of your coverage. If you can avoid it, you should — there are better insurance options out there.

The General Auto Insurance Reviews And Ratings

The General also provides full coverage, rental car, medical, personal injury protection and uninsured motorist insurance, among other policy options. Think of Insurify as your personalized, online insurance agent. Insurify’s platform uses the latest in AI to match you with real, accurate, and bindable car insurance quotes based on your driver history and budget.

And we constantly review our criteria to ensure we’re putting accuracy first. The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy . This insurance option may be offered by The General or by another company that the General coordinates with.

We strive to help you make confident auto insurance decisions. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Federal employees are protected against liability resulting from their operation of a motor vehicle while within the scope of their official employment. Any deviation from your assigned route could jeopardize your Tort Claims coverage. The government protects you from liability only; damage to your vehicle is not covered. To fully protect your vehicle, separate coverage must be purchased.

The General Car Insurance Discounts

The General writes a lot of basic car policies, including liability-only. This is due to the fact that their target markets are high-risk drivers who are generally in need of basic coverage they can afford. The General does offer low down payments – slightly more than one monthly payment, likely due to a small new policy fee. That is less than some companies require to get a policy started. Policies are sold directly over the phone and online, as well as through independent insurance agents across the country. There are several service centers in other states, but not in all covered areas.

The General has an online portal and mobile app to make policy management easier for its customers. The online portal, MyPolicy, allows customers to make payments and track their policy details. Creating an account on the company’s MyPolicy portal grants you access to various on-demand support features such as email, chat and FAQs. You can reach out to an agent to manage your policy through the online portal, over the phone or through The General’s mobile app. The National Association of Insurance Commissioners is a customer service standard-setting regulatory body, enacting best-practice insurance standards across the nation.

Good Student Discount – Students who have a B average or better (meaning a 3.0 GPA or higher), are on the dean’s list or honor roll, or are in the top 20% of their class can qualify for the Good Student Discount. The company focuses mainly on consumers who want to comply with state-level minimum insurance requirements. Full BioMaddy Simpson is an experienced data journalist and fact-checker with a background in financial analytics.

Failure to fully disclose your driving record from the previous 36 months. You knowingly make a material misrepresentation in relation to you or a regular driver’s driving record. You or a regular driver of the car has had their driver’s license revoked or suspended. Revocation or suspension of your driver’s license or motor vehicle registration. The car changed shape or condition during the policy in a way that substantially increased the risk. You failed to fully disclose your motor vehicle accidents and moving traffic violations for the preceding 36 months .

If you’re not a member of AAA or another auto service provider which offers roadside assistance coverage, opting for supplemental coverage on your policy will provide greater peace of mind while you’re on the road. Most companies that insure high-risk drivers keep costs down by reducing the coverage options available. The General features various basic car insurance coverage, including liability, medical payments, collision and comprehensive coverage. The initial quote provides the lowest legal minimum coverage. Drivers will need to manually select additional coverage if they wish to receive more protection. Geico auto insurance is one of the largest car insurance companies in the country, largely thanks to its extensive online resources and well-developed smartphone app.

USAA Car Insurance vs. Geico Car Insurance: Which Is Better in 2021? – U.S. News & World Report

USAA Car Insurance vs. Geico Car Insurance: Which Is Better in 2021?.

Posted: Fri, 09 Jul 2021 07:00:00 GMT [source]

When typing in this field, a list of search results will appear and be automatically updated as you type. I agree that I have not received compensation for my comment and that my opinions reflect my authentic experience as a customer or former customer. National General does have a higher-than-average 2017 complaint ratio listed with the National Association of Insurance Commissioners at 6.08 while the national median average is 1.00. For instance, National General does have great discount options if you qualify for any or all of them. Previously, the company was GMAC but in 2013 it changed its brand name to National General Insurance. Product name, logo, brands, and other trademarks featured or referred to within our site are the property of their respective trademark holders.

Price is important to many insurance shoppers, so be aware of fees you may be charged in addition to your premium. Earlier this year, Authentic Brands Group bought the rights to 51 percent of O’Neal’s future income and will receive revenue on his endorsement and licensing deals. 2 Discounts and their availability may vary by state and eligibility requirements. We offer a wide range of products to help protect what you worked so hard to build. Electronic Funds Transfer ProgramsConvenient method for the payment of Invoices and Premium Tax remittances. Separate enrollment is required for the Invoice Payments EFT Program and Tax EFT Program.

You, your household members or anyone who customarily drives your car uses it for business purposes. You changed the shape or condition of your car during the policy period in a way that would substantially increase risk. Many states have sought to crack down on uninsured drivers with legal ramifications.

We also focus on helping those in theLos Angeles & Sacramento area. A.M. Best’s Financial Strength Rating is an independent opinion of an insurer’s financial strength and ability to meet its ongoing insurance policy and contract obligations. Fraud can come in many different sizes and varieties, all of which are costly to New York drivers. It can be as simple as misrepresenting facts on insurance applications and inflating insurance claims or as serious as staging accidents and submitting claim forms for injuries or damage that never occurred.

What If I Cant Afford My Car Insurance Payments?

Multicar discounts are also available, as well as discounts for having previous insurance. Paying for your full insurance plan in advance also gives a discount. Since auto insurers must get state Insurance Commission approval for rate increases in most cases, the rates you pay this year are driven by what happened in the trailing years. And natural disasters, expensive amenities and increased accident rates all put upward pressure on insurance premiums.

the general auto insurance

You can contact the General’s customer service over the phone, through secure email, or via online chat. Insurify lets you freely compare accurate car insurance quotes and discounts from top national and regional insurance companies in a matter of minutes. You can choose between coverage levels and adjust deductibles to ensure you’re not just getting the cheapest policy, but the most appropriate one, too. Users save an average of $489 a year when they buy a new insurance policy through Insurify.

For example, when company ranking is subjective our advertising partners may be ranked higher. If you have any specific questions while considering which product or service you may buy, feel free to reach out to us anytime. The employee experience below at The General, compared to a typical company. When you’re ready to review, click the compare button that appears in this menu. Not all companies/options/discounts available in all states/situations.

However, you can add a few extras to expand your level of protection to include your property. A typical The General insurance policyholder may have had trouble finding coverage or affordable rates elsewhere, but most drivers will find the level of coverage they expect. With a focus on low-cost minimum coverage for high-risk drivers, The General doesn’t have the substantial dollar amount coverage options that some other insurance companies do. Bodily injury liability caps out at $100,000 per person/$300,000 per accident, and property damage liability caps at just $100,000 per accident.

You and family members listed on the policy are also covered when driving someone else’s car with their permission. While different states have different mandates for auto insurance, most basic car policies consist of six types of coverage. The University’s Property program provides coverage for direct physical loss sustained to university property due to an event that falls with the terms and conditions of the insurance policy.

When comparing quotes, keep in mind that coverages, limits, deductibles, and discounts can have big effects on prices. A small difference in even one of these areas can make a bad quote look like a good one. Be aware that different insurers may not offer exactly the same overall benefits. American Family Insurance Group, including its The General subsidiary, claimed 1.85 percent of the private passenger auto insurance market as of June 2015, the most recent data available from data analyst A.M. That makes American Family the ninth-largest auto insurance carrier among the more than 1,400 tracked by Best. If you have an existing history of accidents or driving violations, it’s important to recognize that you’re more likely to be involved in future accidents.

the general auto insurance

Please contact customer service if you are trying to place physical damage coverage on vehicles in these areas. If you’re driving more, your auto insurance premium might be increasing. But there are plenty of ways to keep your money in your pocket. Here’s an overview of ways to mitigate increasing insurance costs. An analysispublished by Apple shows that mobility is significantly up in the US since last year, when the COVID-19 lockdown was much firmer.

The General accepts credit cards, debit cards, and e-checks in most states. The newest version of their app even allows users to pay in cash. If you’ve spent a lot of time adding accessories and enhancements that change the appearance or performance of your vehicle, you’re in luck!

A travel plan will ensure nothing spoils your perfect vacation. Please give us a call and our award-winning customer service representatives can help you finish your quote. CGIS maintains a fully operational infrastructure to manage programs with deft underwriting, comprehensive claims solutions, and proprietary policy management software. We understand risk and their unique exposures and leverage our resources and services for our carriers and retail partners.

the general auto insurance

Permanent General Companies provides services in Arizona, California, Colorado, Florida, Georgia, Illinois, Indiana, Louisiana, Nevada, Ohio, South Carolina, Tennessee, Texas, Virginia and Wisconsin. Its Web site provides a variety of insurance coverage details for existing policyholders. The company provides services through a network of affiliated agents and has its headquarters in Nashville, Tenn.

Prices for policies sold through agents and brokers are available from them and through progressive.com/agent. National General offers online quotes and claims but does not have a mobile app. The General doesn’t ask for any identifying information when you get a quote You’ll just need to answer a few questions about your driving history, vehicle, and basic personal information like age, gender, and marital status.

  • If you have a clean driving record, you’ll pay about $260 a month for car coverage.
  • The average cost of a fatal car crash is over $1.3 million and even the average fender bender cost is about $3,500.
  • The General’s coverage options vary by state, but always include your state’s minimum liability insurance requirements or greater.
  • Logos, trademarks and service marks are owned by the respective companies represented on this web page.
  • Contact an agent today and ask them to tell you about our products.

Consumers can pay for The General auto insurance by credit card, and in some states, also by electronic check. Consumers can pay online or pay via The General’s mobile app. The price of car insurance is calculated by a mix of factors like age, vehicle, and location. Most insurance companies don’t advertise policy costs, but we’ve found Geico has some of the best prices in the industry.

They have learned a lot over the years and are quite financially solvent, meaning they can pay out even in the event that there is a natural disaster and they need to pay out a lot of claims at one time. Progressive is one of the honest car insurance companies who will really tell you what is going on. If you have struggled to find a car insurance company that is willing to insure you because of your driving record or credit, the General can be a solution to your problem. It specializes in policies for people with past driving infractions, and you can get insurance online and comply with state-level minimum requirements quickly.

You notified your insurance company that your legal residence has changed and your car will be garaged in a new state. The North Dakota insurance commissioner determines that continuation of the policy would place the insurance company in violation of the law or would be hazardous to the interests of policyholders, creditors or the public. The insurance company has terminated your insurance agent’s contract or the agent has terminated their contract with the company. Fraud or material misrepresentation when obtaining the insurance policy or in submitting an insurance claim.

It’s recommended that policyholders buy more than the state-required minimum liability insurance, enough to protect assets such as your home and savings. Never overpay for car insurance Jerry automatically shops for your insurance before every renewal. National General may charge you a cancellation fee of up to $50, so be aware of this. If you prepaid for your car insurance, you’ll probably qualify for a prorated refund. Discounts may vary by state, property policy form and company underwriting the homeowners policy. Discounts may not apply to all coverage on a property policy.

You failed to pay membership dues or fees to an organization that was a prerequisite for obtaining or continuing the policy. The car is altered in a way that would substantially increase risk. You or your household members who usually drive your car have had their driver’s license revoked or suspended. Nonpayment of premium or an installment that was overdue, and any unpaid fees charged for installments, late payments or reinstatement. Discovery of an act of omission or violation of policy conditions that occurred after the policy effective date and substantially increased the risk.

Affordable car insurance doesn’t mean you have to compromise on service and extra features. With GEICO, your cheap car insurance policy comes standard with exciting perks that provide benefits beyond just a low monthly premium. The General mainly offers auto insurance, but it also sells other types of insurance, including renters, motorcycle, phone, boat, motor home, travel trailer, commercial, home owner, life, pet, and health insurance. Depending on your state, you may only be required to have property damage liability coverage.

You need the level of service that comes from working with a premium insurer who specializes in successful individuals like you. Customizable coverage options for businesses of all types and sizes. Cyber A suite of privacy, network, media, and errors and omissions products to provide the specific insurance you need. Quick and easy access to MetLife customer support services and resources. If you have received a Notice of Suspension regarding an insurance case, the links below will provide information on how to keep your license valid. Your letter will have a number at the bottom right hand corner called the ‘FR Sanction’ number.

Our editorial team does not receive direct compensation from our advertisers. Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. All providers discussed on our site are vetted based on the value they provide.

Your car insurance company is required to give 14 days notice of cancellation for nonpayment of premium and 30 days for other grounds. The notice will be mailed or e-mailed to you and the loss payee. Your car insurance company is required to give you 15 days notice of cancellation for nonpayment of premium and 45 days for preferred auto insurance all other reasons. Your car insurance company is required to give 15 days notice of cancellation for nonpayment of premium and 60 days for all other reasons. Your car insurance company is required to give you 10 days notice of cancellation for nonpayment of premium and 45 days for failure to sign the state residency form.

We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by auto insurance agencies demystifying the financial decision-making process and giving people confidence in which actions to take next. We are an independent, advertising-supported comparison service. We publish unbiased reviews; our opinions are our own and are not influenced by payments from advertisers.

High-risk drivers usually include those with poor driving records, those without prior coverage, or those with a foreign/international license. Over the years, The General has earned its reputation as one of America’s best non-standard auto insurance companies, allowing high-risk drivers to obtain automobile insurance at reasonable prices. Your state will probably require your insurance company to file an SR-22 if you were caught driving without a license or had a DUI. SR-22 counts as “proof of insurance” required by your state before it allows you back on the road. While some insurance companies are hesitant to file this on behalf of drivers, The General will file an SR-22 on your behalf in most states.

Sometimes you can get similar quotes from smaller companies like Dairyland and Plymouth Rock. Larger companies, like GEICO, may even offer insurance to high-risk drivers and place them with smaller subsidiaries like GEICO Casualty Co. Click here to find thecheapest car insurance quotes in your state.

We’re looking for licensed agents to assist our customers with their insurance needs. As an employee-agent, you can help people get affordable coverage and take advantage of our generous commission package. Maybe you’ve had car insurance with National General for several years. Regardless of how long it’s been, if you’re looking to cancel your coverage, you’ll find that the process is quite reasonable. Insurance policies sold through OnStar Insurance Services Inc. (“OnStar Insurance Services”) are underwritten and issued by member companies of American Family Mutual Insurance Company, S.I.

So, minimum coverage means different things in different areas of the United States. Make sure that any quote you receive includes a “coverage selections page” that shows the coverages, limits, and deductibles that you want. Read the coverage selections page carefully to ensure that everything is as you requested and that all information is correct.

Through its insurance company subsidiaries and their predecessors, PGC has been writing automobile insurance since 1963. Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family. Our Commercial Auto insurance provides coverage for bodily injury and property damage caused by owned, hired and non-owned vehicles used for business.

Drivers can save money on their insurance policy simply by reducing their mileage. To claim this discount, drivers must have an eligible vehicle equipped with OnStar technology that was delivered after April 2004. All insurance products advertised onReviews.comare underwritten by insurance carriers that have partnered withHomeInsurance.com, LLC. HomeInsurance.com, LLC may receive compensation from an insurer or other intermediary in connection with your engagement with the website.

Cheap rates should not mean you have to settle for limited policy coverage options, high deductibles, poor customer service, and a lack of important safety features like emergency roadside service. Things are different with GEICO, where cheap car insurance doesn’t change the exceptional service, features, and coverage options that our auto insurance policyholders receive. Tata AIG General Insurance Company Limited is a joint venture company between Tata Group and American International Group . Tata AIG General Insurance Company Limited celebrates 20 years of service as on 2020, since it commenced operations in India on January 22, 2001.

” Since The General has ads for other insurance types like motorcycle and renters, you will be redirected to the respective company websites offering those particular services/products. Nothing stands out, you are way to overloaded with claims, expectations way to high. Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content.

All while providing you with 24/7 customer service and top-of-the-line insurance for your vehicle. Expensive premiums for people with good driving records – While the General can be useful if you have a history of past driving violations, it can be expensive. If you have a good driving record, you can likely get a policy with cheaper premiums with another insurance company.

Note that these discounts might not be available in all states. Direct Auto Insurance believes that everyone should be able to get outstanding coverage they can afford, regardless of their driving, insurance, or credit history. Instead of focusing on drivers’ pasts, we choose to believe in their futures, giving them peace of mind as they go through their daily routines. It’s very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money.

the general auto insurance

They invest in technology to make things as easy as possible for their customers. Their agents haveelectronic verification programsto ensure that they can get you their best price on car insurance with no surprises. The General® will help you secure the car insurance coverage you need in the most convenient way possible, whether that’s on a cell phone, tablet, online, or through a local agent. SR-22 filings available – An SR-22 filing is a certification issued by your insurance company that shows that you meet state minimum coverage requirements. It’s typically required for people who have a DUI conviction or once had their license revoked.

Factors like a vehicle’s mileage and make, along with your location, credit score, and driving history all affect the price of an insurance premium. Our own research showed The General’s prices are similar to other major insurance providers. If you’re a high-risk driver, The General may be able to offer a more affordable rate on coverage than other providers. It offers liability insurance and full coverage but has an above-average number of customer complaints. AM Best is a rating agency that reports on the financial strength of insurance companies.

How long is the general car insurance been in business?

Although PGC was founded in 1963 and has offered auto insurance for over 50 years, it did not actually start offering insurance through The General until April 1997. The General may be best for drivers in the high-risk category.

I ended up getting pulled over and gotten a ticket for no registration as it had gotten revoked because of this. It took me 2-3 weeks to get this resolved because I had a hard time getting ahold of the DMV. Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance. Specifically, many reviewers liked that they could pay and file claims through the app rather than get on the phone to talk to someone. The app gives users the option to speak to a representative as well.

American Family also ranks first in the Southwest region for customer satisfaction, tieing with GEICO. With Direct Auto, you can be confident about your coverage, drive legally, and protect your financial future. Our quality coverages and great services, including 24/7 claims service and roadside assistance, will make you feel more secure on the road and everywhere in between. Whether you need an auto policy that fulfills your state’s minimum requirements or provides more coverage, we’ll help you custom-build a plan that fits your life perfectly. Simply select the payment date, amount, and method of payment that’s convenient for you. If you want extra protection, you may be interested in full coverage insurance.

The notice will be mailed or delivered to you and your lienholder , or sent electronically. Your car insurance company is required to give you 15 days notice of cancellation. The notice will be mailed or delivered to you, or sent electronically. Your car insurance company is required to give you 20 days notice of cancellation for nonpayment and 30 days for all other reasons. Your driver’s license or vehicle registration was revoked or suspended. Generally, if you have your license or registration revoked or suspended within the policy period, or often within 36 months before the notice of cancellation, your policy could be canceled.

At General.com our easy to use online tool can help you get free quotes for most carriers. The days of just going with the first insurance provider you come across are gone for smart shoppers. It only takes a few key strokes to make sure you’re paying the lowest price you can.

You or household members who drive your car have had their license revoked or suspended. Material misrepresentation or fraud in relation with the application, policy or claim. You or a regular driver has had their driver’s license suspended. Fraud or material misrepresentation in relation to an insurance claim.

What is the meaning of general insurance?

Definition: Insurance contracts that do not come under the ambit of life insurance are called general insurance. The different forms of general insurance are fire, marine, motor, accident and other miscellaneous non-life insurance.

Heavily congested urban areas may have a more low speed fender bender accidents, while rural areas may have more open highway high speed crashes. The range of prices from low to high for average car insurance coverage covers a very wide range. Travelers Insurance offers the most comprehensive coverage of any auto insurance provider we saw.

The General accepts multiple different types of payments for convenience. In addition to accepting credit card payments and electronic checks, people can set up automatic online payment and debit card payments here at The General. In addition, multi-payment installment plans are also available. For those who prefer it, mail payment and mobile app payments are also available.

What food chain did Shaq buy?

NBA Hall of Famer Shaquille O’Neal is the founder and largest shareholder in Big Chicken, a fast-casual restaurant concept he launched in 2018 and is now franchising. Josh Halpern joined Big Chicken as CEO in May. A variety of crispy chicken sandwiches and sides are on the menu at Big Chicken.

Allstate becomes a top 5 personal lines carrier in the independent agent distribution channel by combining Encompass and Allstate’s Independent Agent businesses with National General. auto insurance liability coverage The next 10 insurers combined have less than 30% market share. Allstate’s market share in 2019 was less than 1.5%, including both Encompass and Allstate Independent Agents.

The General’s custom equipment coverage will cover damage to those parts. This applies specifically to car parts that weren’t installed by the original car manufacturer. According to the National Association of Insurance Commissioners, The General is licensed to offer auto insurance in all states except Michigan and New Mexico. “My experience was good, people I talked with were courteous and pleasant. They helped me in making my decision to purchase coverage for my vehicle. Thank you all very much. A satisfied customer.” When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles.

It will also pay to repair your windshield if it is cracked or shattered. This coverage pays for damage you may cause to someone else’s property. Usually, this means damage to someone else’s car, but it also includes damage to auto insurance florida lamp posts, telephone poles, fences, buildings or other structures your car hit. However, too many income eligible drivers remain uninsured because the costs of standard insurance premiums are beyond their financial reach.

Date: November 2, 2021