National Union Auto Insurance Review (2020) Reviews

UPDATE: National Union is a subsidiary of AIG. AIG does not offer any options for personal auto insurance. This National Union Auto Insurance review will tell you all you need to know about the company, from the types of coverage they offer to the rates you can expect to pay. This review will focus on…

UPDATE: National Union is a subsidiary of AIG. AIG does not offer any options for personal auto insurance.

This National Union Auto Insurance review will tell you all you need to know about the company, from the types of coverage they offer to the rates you can expect to pay. This review will focus on the National Union Insurance Group Inc. in Pennsylvania, not the National Union Fire Insurance Company of Vermont or Tennessee.

National Union Insurance Company specializes in fire insurance and is a subsidiary of American International Group (AIG). The company does not offer auto insurance policies at this time.

AIG Insurance, a commerce and industry insurance company, also offers general property/casualty, life insurance, and retirement, and financial services. AIG does not offer general auto insurance, either, although they do offer luxury automobile coverage.

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National Union Auto Insurance Rates

While the price isn’t always the deciding factor when it comes to choosing an auto insurance policy, it’s usually one of the most important.

Although National Union Insurance does not offer auto insurance policies, you can look at the table below to get an idea of what you might pay for car insurance depending on how much coverage you decide to buy.

The table shows average, annual rates based on coverage levels.

These are just guidelines. Actual rates will depend on a variety of factors such as age, driving history, auto theft rates in your area, and ZIP code. If you’d like to check out the crime rates where you live, you can visit the online database for the Federal Bureau of Investigations (FBI).

What is National Union Insurance availability by state?

The history of the National Union Fire Insurance Company of Pittsburgh, PA. Subsidiaries dates back to 1919 and they offer coverage in all 50 states and over 80 countries, most of those policies covered by National Union’s parent company, AIG.

The administrative office for the National Union Insurance Company of Pittsburgh, PA is located in New York, NY. You can take a look at the video below to get an idea of the company’s culture. It features an ad that AIG runs to advertise the multiple types of coverages they offer.

Keep reading to learn more about National Auto Insurance.

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National Union Auto Insurance Coverages Offered

National Union Insurance’s parent company, AIG Property Casualty U.S. Inc., also offers a range of different insurance policies to its customers. You can take a look at the table below to see what options are available through AIG.

National Union Insurance Discounts

Below you will find the different insurance products available through National Union which you may be able to bundle for discounts or ask about discounts for.

What programs are available from National Union Insurance?

National Union Insurance offers insurance coverage to both businesses and individuals.

Their commercial products include:

• Alternative Risk and Finance
• Aviation
• Accident and Health
• Casualty
• Environmental
• Energy
• Marine
• Management and Professional Liability
• Multinational Companies
• Property
• Workers Compensation

Their personal products include:

• Accident and Health
• Auto
• Home and Property
• Private Client Group
• National Union Fire Insurance Travel Insurance

More generally, you can see below the most common auto insurance discounts.

Generally, your auto insurance discount options through the company depend on what each provider has to offer, but many discounts are standard throughout the industry.

The table below shows some of the most common auto insurance discounts available, an estimate of how much money each can save you, as well as the major auto insurance companies that offer the discount.

As you can see, it is always best to check with your insurance provider to see what insurance discounts are available to you.

Keep scrolling to learn more about National Union Insurance.

Canceling Your National Union Auto Insurance Policy

What should you do if you need to cancel your policy? You can watch the video below to get an idea of what to expect should you need to cancel your car insurance policy.

Keep reading to learn more.

Is there a refund?

Whether you can get a refund on your policy depends on the type of policy and when you choose to cancel. If you choose to cancel a refundable policy in the middle of the policy cycle, you’ll receive roughly half of what you paid, assuming that you only paid for that cycle.

Since refund amounts may vary and depend on a variety of factors, you should always check with your insurance agent to see what factors apply to you.

How do you cancel?

You can cancel your policy at any time simply by contacting your insurance agent and letting them know that you’d like to cancel your policy. Your agent will let you know when the changes will take effect and whether you’re entitled to a refund of any policy premiums you’ve paid in.

When can I cancel?

You can cancel your policy at any time simply by contacting your insurance agent and letting them know that you’d like to cancel your policy. Once you’ve canceled your policy, any excess premiums will be refunded to you promptly.

How to Make a National Union Auto Insurance Claim

You should always know how to file an insurance claim. One of the things that this company is known for is its fast and accurate claims department. The company has 320 claims offices around the world and 9,000 employees who only handle claims.

You have two options for filing a National Fire Insurance Company claim. The first one is to call the company directly by using the National Union Insurance phone number at 888.760.9195 which will connect you with their 24/7 claims department.

If, however, you prefer to speak with someone in person regarding your auto insurance claim or simply want to use someone you know, then you can file your claim with your independent agent who will file the claim with the company on your behalf.

Truthfully, this will slow down the process a little, but as long as there are no major issues with your claim, it shouldn’t cause a huge time delay.

There are no options to file your claim online. There are also no forms available online for you to fill out in advance to speed up the process. Simply put, National Union Insurance claims must be handled by phone one way or another.

Watch the video below to get an idea of what you can expect during the claims process. This video pertains to car insurance claims.

Keep reading to learn more about National Union Insurance.

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National Union Insurance: Auto Insurance Ratings

Overall, the reviews for this company are positive from both a client standpoint and from a standpoint of people who work for the company as well. Common compliments are that the company pays its claims fast and that they are easy to work with. A common complaint is that their prices are increasing.

National Union Fire Insurance Company of Pittsburgh, PA’s A.M. Best rating is A (Excellent) and they also rate the company as stable.

National Union’s parent company, AIG, is accredited with the Better Busines Bureau (BBB) and has been since 2011. The BBB gives them an A+ rating. However, AIG has only one out of five stars based on customer reviews on the BBB website.

The Bottom Line

Now that you know everything you need to know about National Union Insurance, we hope that you’ll feel more confident in purchasing your policy.

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National Union Insurance FAQs

In this section, we answer some of the most commonly asked questions about National Union Insurance. Some of the answers may have been covered in part or in full in the guide above.

#1 – Why would my provider cancel my auto insurance policy?

Your auto insurance provider may cancel your policy if you do any of the following:

• Get your driver’s license suspended or revoked
• Lie during the application process
• Fail to pay your auto insurance premium

Your auto insurance company may also choose not to renew your policy if they determine you to be a high-risk driver.

#2 – What kinds of questions should I be prepared for when purchasing my auto insurance policy?

When you apply for an auto insurance policy, you will be asked a series of demographic questions such as your name, age, sex, etc. You will also be asked a variety of other questions aimed at assessing your risk as a driver.

Some of the things the insurance company will want to know about are your financial background, the type of vehicle you’re insuring, and whether or not you’ve had any tickets or accidents in the past.

Once this information is collected, the insurance company uses this data to assess your risk as a driver and to determine your policy rates. This is known as the underwriting process.

By using this method of risk evaluation, auto insurance companies are able to reduce their chances of losing money on issued policies. Through this process, the insurer can determine your risk factors and decide if they want to insure you, and if so, at what rate.

#3 – Does National Union Insurance offer SR-22 insurance?

Since neither National Union Insurance nor AIG offer auto insurance policies, they also do not offer SR-22 policies.

If you’ve had more than your fair share of traffic citations, automobile accidents, and/or auto insurance claims, you may be considered a high-risk driver.

Normally, high-risk drivers are required to purchase SR-22 insurance, which isn’t available through all companies, so it may take some looking around to find coverage.

The filing fee to get SR-22 insurance is only $15–$35, but the increase in rates for SR-22 insurance when compared to rates for drivers without any driving violations on their records is steep.

Rate increases for driving violations that result in a driver being forced to carry SR-22 insurance can be as much as $541 a month.

#4 – How does adding drivers to my auto insurance policy affect my rates?

Adding another driver to your auto insurance policy means that your car will be spending more time on the road, as multiple people will be driving it. That alone is enough to raise your rates, but adding someone else to your auto insurance policy also means that your rates will be affected by that driver’s perceived risk, as well.

For example, adding a teenager to your policy can raise your auto insurance rates drastically since teenage drivers are inexperienced and auto insurance companies see them as high-risk drivers, whereas adding your spouse might not raise your rates quite as much.

There are restrictions as to who you can add to your auto insurance policy. Most companies will only allow you to add people in the same household to your policy. Always talk to your insurance provider about adding new drivers, as a claim filed involving a driver that isn’t on your policy will be denied.

#5 – Are there benefits to using an agent to purchase auto insurance?

While it’s possible to purchase your auto insurance policy directly instead of through an agent, there are some possible downsides to doing so.

First of all, if you choose to go with a local agent, you will get the advantage of more personalized service. This experience is just not possible when you purchase directly from a large company. With a local agent, you may even speak to the same person about your policy every time.

Many people believe that buying directly from the company can save them money by cutting out the figurative “middleman,” but this theory fails to take into account the amount of money these companies spend on direct marketing. That can even out the playing field, meaning that a local agent can often offer you the same price you could get buying directly from the company.