GMAC Insurance Personal Lines


1939 as Motors Insurance Company (MIC) by General Motors Acceptance Corporation (GMAC). It is now part of GMAC Insurance, a wholly owned subsidiary of GMAC.


An integral part of GMAC Financial Services, GMAC Insurance Personal Lines is a provider of nonstandard, standard and preferred automobile insurance and homeowners insurance. The company focuses on selling insurance products for cars, trucks, RVs, motorcycles, commercial vehicles and specialty/modified vehicles. GMAC Insurance sells insurance through over 10,000 independent agents across the United States, directly to the public with dozens of affinity and GM partners, and through its online service at

Our Story

In the early 1900s, when the motor vehicle industry was just in its infancy, dealers paid cash to stock their inventory, purchasing just a few vehicles at a time. Subsequently, with the onset of the assembly line, manufacturers wanted dealers to buy vehicles in large quantities in order to keep factories running regularly. To help dealers buy larger quantities, GM created General Motors Acceptance Corporation in 1919. By 1939, the fast growing financial arm of America's premiere auto manufacturer was not only helping dealers, they had expanded into helping consumers get on the road with financing and insurance options.

On Nov. 30, 2006, General Motors sold a 51 percent controlling interest in GMAC to a consortium of investors led by Cerberus Capital Management, L.P., a private investment firm, and including Citigroup Inc., Aozora Bank Ltd. and a subsidiary of The PNC Financial Services Group, Inc. Strengthened by the company's new ownership structure, GMAC Insurance will be able to pursue new business opportunities going forward. Today, GMAC Insurance Personal Lines is a thriving $1.453 billion dollar company with 2,598 employees, offering full-service insurance solutions for nearly all automotive brands and models in 47 states, as well as homeowners insurance.

Today, GMAC Insurance ranks among the top insurers in the nation. In total, 1.2 million policies and 2 million vehicles are currently serviced by GMAC Insurance Personal Lines for a full spectrum of drivers, buying their insurance through a variety of channels.

Our Promise

As the country's only insurance company to come from within the automotive industry, GMAC Insurance has a unique perspective. To its very core, the company understands that, to Americans, a car is more than a transportation tool. It is a tangible link to our freedom, self-expression, and most of all, the fundamental catalyst that keeps our lives moving. GMAC Insurance's first priority is to make sure its customers are OK in the event of an accident, and then the company focuses on getting them back on the road as quickly as possible. From its Smart Services, a first-of-its-kind collection of benefits designed to help ease the post-accident recovery process, to its customer service representatives that make you feel like a person and not a policy number, GMAC Insurance is built from the ground up to anticipate, understand and meet its customers' needs.

Our Products and Services

GMAC Insurance offers insurance products tailored for individual drivers, RV owners, and even modified specialty vehicles.

  • Personal Vehicle Insurance – The products and services at GMAC Insurance are a distinctive experience - not merely about insurance policies. The Company treats customers as people. GMAC Insurance underwrites the full spectrum of American drivers - young to old and of all driving experiences and histories - with services that can better assist customers in their daily lives. And it has been recognized for some of the most innovative and supportive services, including its nationwide towing service, 24/7 claims service, and its Smart Services, including the SmartParts Promise and SmartReplacement Program.
  • Affinity Groups – GMAC Insurance partners with many affinity groups and associations to customize their policies and better serve their membership. Among those groups whose automotive insurance needs are provided by GMAC Insurance are the International Brotherhood of Teamsters, The Good Sam Club, The American Institute of Certified Public Accountants, the National Rural Leader Carriers Association and Moose Clubs.
  • RVs – In perhaps the ultimate expression of handling special needs for groups, GMAC Insurance is America's #1 RV insurance specialist. While most insurance companies treat RVs as a big car, GMAC Insurance's RV policies are specific to these unique vehicles, offering many of the industry's best coverage and protection plans in the industry.
  • Specialty/Modified Vehicles – GMAC Insurance offers products to complicated, hard-to-peg areas of the market that are simply deemed too difficult for other insurance companies to underwrite. One example of this is specialty-modified vehicles. GMAC Insurance remains one of only a handful of companies willing to underwrite rural US postal delivery vehicles, which are often modified trucks or cars used by people serving as contract letter carriers in remote areas.
  • Homeowners Insurance – GMAC Insurance offers one of the most comprehensive homeowner insurance coverage plans, including medical payments coverage of up to $1000 for anyone injured on a customer's property, personal liability protection up to $100,000 per accident, and temporary living assistance when the home is declared uninhabitable. Also, as part of its homeowners policy, GMAC Insurance also offers personal umbrella coverage.

Key Numbers

2006 Sales $1.453 billion

2006 Employees   2,545

Key People

President and CEO – Gary Kusumi

Chief Financial Officer – Bernie Buselmeier

Chief Marketing Officer – Jim Curtin

Chief Legal Counsel and Claims Officer – Sheena Poe

Major Corporate Locations

St. Louis, Missouri
Winston-Salem, North Carolina
Atlanta, Georgia

Media Contacts

Anne Houseman
617-248-0680 x33

Noelle Guerin
617-248-0680 x10