Direct National Auto Insurance Review

When seeking auto insurance companies in many of the southern states, Direct National Auto Insurance might arise as a potential option. The insurance company provides various types of auto insurance policies to customers who are seeking auto insurance.

Having an understanding of the coverage and the business can help determine if it is the right company for personal needs.

Location and Headquarters:

Direct National Auto Insurance is headquartered in Nashville, Tennessee and has around 420 office locations in the 12 states it serves. The company is licensed to provide free auto insurance quotes to 12 states that include Tennessee, Florida, Arkansas, Georgia, Mississippi, Illinois, Louisiana, North Carolina, South Carolina, Texas, Missouri and Virginia. Anyone seeking insurance in a state that the company does not cover should seek other insurance options. These are the only states that the company is licensed and able to provide any auto insurance coverage to customers.

History Facts:

Direct National Auto Insurance, which is sometimes called Direct General Insurance, was originally founded in Nashville, Tennessee in 1945. Since the company founding, it has gradually grown and expanded into the surrounding states, providing coverage needs to those who are seeking auto insurance options.  As the company has grown, it has enjoyed a strong reputation as a reliable business for investors and customers.

Coverage Options:

The company offers a wide range of potential coverage needs. This helps customers determine if it is the right insurance company or if they should seek further assistance in searching for the auto insurance that fits individual needs.

Bodily injury liability is one of the types of coverage offered. The exact terms of the liability coverage depends on state minimums. The coverage is designed to prevent liability for injuries that occur in the event of an accident.

Property damage coverage is another option provided to customers. The exact coverage again depends on state minimums, but helps pay for damage to the property of other motorists if an accident occurs.

Full coverage is called collision and comprehensive coverage in the company. The collision coverage pays for damages to a personal vehicle if an accident occurs. Comprehensive coverage is designed to manage the damages for accidents like hitting a deer, damages from storms or vandalism.

The medical payment option provides payment for injuries that occur to the insured driver and passengers in the event of an accident. Th

eexact amount varies by state.

No-fault states are provided personal injury insurance coverage to pay for the cost of medical expenses and lost work after an accident occurs. This is particularly designed for states that have a no-fault policy for motorists.

Drivers who are concerned about accidents with others who are uninsured can opt for uninsured motorist coverage. This provides funds to pay for vehicle repairs if the accident occurs as a result of an uninsured driver’s mistake.

Though the basic coverage options provide funding to handle most problems that might occur, each state has different minimum requirements. Finding out the details of the state requirements can help determine which added coverage might be needed.

Stability of the Company:

The AM Best rating for Direct National is B. The rating combined with the company’s assets and income suggests that it is a highly stable option. The company has around 20 million dollars worth of assets, a policy surplus of around 4.4 million and working capital of around 2.5 million dollars. This helps maintain strong stability ratings as the company continues to grow at a slow and steady rate.

Anyone seeking auto insurance in one of the 12 states covered by Direct National will want to find out more details about the company and coverage options. As a stable company, it is a good option to consider when comparing insurance options.