National Union Auto Insurance Review (2024)
National Union Auto Insurance is a subsidiary of American International Group (AIG.) National Union Insurance Company specializes in fire insurance, and National Union Insurance ratings are A (Excellent) with A.M. Best. National Union doesn't offer auto insurance, but you can easily compare auto insurance from top auto insurance companies with our free comparison tool below.
Read moreJeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
UPDATED: Aug 18, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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National Union Fire Insurance
Average Monthly Rate For Good Drivers
$83A.M. Best Rating:
AComplaint Level:
LowPros
- National Union Fire Insurance is a subsidiary of American International Group (AIG)
- National Union offers both business and individual coverage
- National Union strives to provide a fast and accurate claims department
Cons
- There are no options to file your claim online
- National Union Fire Insurance is a subsidiary of American International Group (AIG)
- National Union offers both business and individual coverage
- National Union strives to provide a fast and accurate claims department
UPDATE: National Union is a subsidiary of AIG. AIG does not offer any options for personal auto policies.
This National Union 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 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 coverage, either, although they do offer luxury automobile coverage.
Looking for the National Union Insurance phone number or hoping to find cheap auto insurance quotes? Before starting this National Union auto insurance review, just enter your ZIP code to see multiple options for free right now.
What You Should Know About National Union
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 National Union insurance claims are paid 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.
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National Union Insurance Coverage Options
Under AIG Property Casualty U.S. Inc., National Union’s parent company, a variety of policies are offered, providing comprehensive insurance solutions across different domains.
Types of Insurance Available From American International Group (AIG)
| Type of Insurance | Coverage Types Available |
|---|---|
| Life Insurance | Term Life Insurance, Guaranteed Issue Whole Life Insurance, Quality of Life Insurance, Universal Life, Variable Universal Life |
| Travel Insurance | Travel Guard® – trip insurance plans include assistance with navigating canceled flights, lost bags, sudden health emergencies, and more – virtually anywhere in the world. |
| Private Client Group products | Homeowners, Private Collections, Excess Liability, Yacht, Luxury Automobile |
| Personal Accident & Health Insurance | Accident Insurance, Accident & Sickness Insurance |
| AIG Direct products | Term Life Insurance, Quality of Life…Insurance®, Whole Life, Guaranteed Issue Whole Life, Universal Life Insurance |
Is Canceling Your National Union Policy Easy?
What should you do if you need to cancel your 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 agent to see what factors apply to you.
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How do you cancel?
You can cancel your policy at any time simply by contacting your 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 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 Do You Make a National Union 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 claims 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 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 claims must be handled by phone one way or another.
Keep reading to learn more about National Union Insurance.
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National Union Insurance Rates Breakdown
While the price isn’t always the deciding factor when it comes to choosing an auto policy, it’s usually one of the most important things people consider before entering an insurance contract.
Although National Union does not offer auto 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.
Average Auto Insurance Rates by Coverage
| Coverage Types | Average Annual Auto Insurance Rates | Average Monthly Auto Insurance Rates |
|---|---|---|
| Comprehensive coverage | $150.36 | $12.53 |
| Collision coverage | $299.73 | $24.97 |
| Liability coverage | $516.39 | $43.03 |
| Total Full Coverage Cost | $954.99 | $79.58 |
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 date 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.
Keep reading to learn more about National Union.
National Union Discounts Available
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.
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What programs are available from the National Union auto insurance company?
National Union offers different types of 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 discounts.
Generally, your 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 discounts available, an estimate of how much money each can save you, as well as the major auto insurance companies that offer the discount.
Standard Auto Insurance Discounts Offered by Major Companies
| Discounts Offered | Average Savings | Available With |
|---|---|---|
| Low mileage/Low usage discount | Up to 20% | State Farm, Allstate, Travelers, Nationwide, Progressive |
| Defensive driving discount | 10%–15% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers |
| Safe driver discount | 10% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual, State National |
| Military and federal employee discount | 8%–15% | Geico, Esurance, USAA |
| Good student discount | 5%–25% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual, State National |
| Senior/Mature driver discount | 5%–10% | Geico, Allstate, Liberty Mutual, State National |
| Homeowner discount | 3% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers |
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.
Understanding National Union Auto Insurance Coverage Options
National Union extends beyond typical insurance offerings by leveraging AIG’s global network, thus providing expansive and specialized insurance solutions both locally and internationally.
National Union Auto Insurance, a subsidiary of American International Group (AIG), although primarily known for fire insurance, provides a broad scope of insurance services. While National Union itself does not directly offer auto insurance, potential customers can explore auto insurance options through AIG’s extensive network. AIG provides specialized insurance packages, including luxury automobile coverage, which might appeal to owners of high-end vehicles seeking comprehensive insurance solutions.
How to Navigate Claims with National Union Fire Insurance
For filing claims, customers can directly call the National Union Fire Insurance claims phone number at 1-800-225-2467. This line connects you to their 24/7 claims department, ensuring immediate assistance. Alternatively, claims can be filed through an independent agent for those preferring a more personal interaction.
Customers are encouraged to contact the claims department directly via their dedicated phone number. This ensures prompt service and direct communication with a claims adjuster who will guide you through the process. The claims service is designed to handle your case efficiently, aiming for a swift and fair settlement. For those preferring a more personal touch, claims can also be filed through an agent, which might be comforting to those who value face-to-face interaction.
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Maximizing Your Benefits with National Union Insurance
National Union offers more than just standard insurance policies. Their affiliation with AIG allows customers access to a variety of specialized insurance products and benefits. This includes access to AIG’s global network, providing not just local but international insurance solutions. For customers, this means a more comprehensive coverage that extends beyond typical insurance offerings, providing peace of mind whether at home or abroad.
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Frequently Asked Questions
Why would my provider cancel my auto insurance policy?
Your 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 or if they find that you are in any kind of breach of contract.
What kinds of questions should I be prepared for when purchasing my 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 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 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, providers 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.
Does National Union Insurance offer SR-22?
Since neither National Union Insurance nor AIG offers auto 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, 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 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 can be as much as $541 a month.
How does adding drivers to my auto insurance policy affect my rates?
Adding another driver to your auto 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 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 rates drastically since teenage drivers are inexperienced and 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 policy.
Most companies will only allow you to add people in the same household to your policy.
Always talk to your provider or an agent about adding new drivers, as a claim filed involving a driver that isn’t on your policy will be denied.
Are there benefits to using an agent to purchase coverage?
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.
What is National Union Auto Insurance?
National Union Auto Insurance is an insurance company that provides coverage for automobiles and related vehicles. They offer a range of policies to protect drivers, their vehicles, and their financial well-being in case of accidents, theft, or other incidents.
Is National Union a reputable insurance provider?
Absolutely, with a long-standing presence and backed by AIG’s resources, National Union is recognized for its reliability and customer satisfaction in the insurance sector.
What types of auto insurance policies does National Union offer?
Although National Union itself does not offer auto insurance, potential customers can explore AIG’s broad range of auto insurance policies, including luxury automobile coverage.
Their coverage choices may include the following top five:
- Liability insurance
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage
- Personal injury protection
Are National Union Auto Insurance premiums competitive?
While National Union doesn’t directly offer auto insurance, it’s crucial to compare offerings across different insurers to ensure competitive pricing, particularly when exploring options through AIG’s network.
However, premium rates can vary based on these five common factors, including:
- Your location
- Driving history
- Type of vehicle
- Coverage limits
- Deductibles
It is recommended to compare quotes from multiple insurance companies to ensure you are getting the best possible rate.
How can I file a claim with National Union Auto Insurance?
To file an auto insurance claim call the National Union auto insurance claims phone number directly. Provide all necessary details about the incident, such as the date, time, location, and any other parties involved. An adjuster from National Union will then assess the damage and guide you through the next steps according to your policy terms. The claim process culminates with the resolution of your claim, where you will receive the appropriate payment or services as per your insurance agreement.
How can I manage my policy with National Union online?
The National Union car insurance company facilitates online management of policies through its platform, allowing easy access to policy details, payment options, and coverage adjustments.
After logging into your account on their official website, you can access all your policy details, make premium payments, modify your coverage, and handle other aspects of your policy management. This online service provides a convenient way to keep track of your insurance policy and make changes whenever necessary.
What should I know about auto insurance coverage with the National Union auto insurance company?
National Union offers a variety of auto insurance coverage options. This includes standard coverage such as liability, collision, and comprehensive coverage, as well as uninsured/underinsured motorist coverage and medical payments coverage. They may also provide additional options tailored to meet specific needs, giving you a comprehensive protection plan for your vehicle.
National Union provides a gateway to a comprehensive array of AIG’s auto insurance coverages, catering to diverse needs from basic to specialized insurance requirements.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.