National General Insurance

Hello,

I am going to close this topic due to lack of activity. Thank you for your time and participating. Feel free to open a new thread on this topic in the future.

Thanks,
Stacy
Good Sam Care Team

I believe this company is much like other insurance, the old bait and switch routine. First period they will entice you to sign up with a very attractive premium quote. The renewal nearly doubles that and when asked why they replied it was necessary because of claim experience in my state. I have owned 14 RVs without a single claim (at least not in the past 20 years) and a perfect driving record. Their response justifying such a hefty increase was unacceptable and so I switched companies. Of course, I expect the same increase 6 months from now, but you never know. Someone out there may value my business

Pops R wrote:
Well "delwhjr",I would say you are lucky to have found a good agent and company. I grew up in the 1950's with my family having Farmers Insurance and one agent. He not only insured my parents but then my sisters and brother and then me when we each became of age and driving. He was a great persoanl agent back in the day.
I stayed with Famers for years after becoming an adult and married myslef but with a different agent and area then the one I lived in as a child growiung up.
I thnnk for the most part gone are those days.
National General, Good Sams insurance is so big they do not have its own local agents or adjusters and they contract out, and there is the prpoblme or at least the problme we ran into in July of 2016 and the hail storm we were cought in.
The people in the insurance company were far removed from that friendly one on one relation with the customer and more focueed on cutting their costs. If it were not for the honesty of the repair shop owner they sent us to we would not have been serviced well at all. We were actually told by our phone representative handling our case the owner should not have said the things to us he did about how National General was just trying to do it on the cheap and he in good conscience could not do it. She said he works for us. I was thankful he was working more for his customers and protecting his BBB A rating than doing the cheap fix for the insurance company.

My point exactly.
When we lose the personal touch and companies are insulated from direct customer contact(local agent) then we become just numbers on a score card. The company model in many cases is to deny and delay to increase profit because they know and it has been proven that many people will accept the low settlement or drop the whole thing due to hassle.
This goes along with another thread on this forum about quality. We look for the "bargain" and then get the results of less durability, service and product.
National general has one of the worst financial ratings of all the insurance companies. Maybe this explains why they do business the way they do. Their claims performance is also one of the worst.

Well "delwhjr",I would say you are lucky to have found a good agent and company. I grew up in the 1950's with my family having Farmers Insurance and one agent. He not only insured my parents but then my sisters and brother and then me when we each became of age and driving. He was a great persoanl agent back in the day.
I stayed with Famers for years after becoming an adult and married myslef but with a different agent and area then the one I lived in as a child growiung up.
I thnnk for the most part gone are those days.
National General, Good Sams insurance is so big they do not have its own local agents or adjusters and they contract out, and there is the prpoblme or at least the problme we ran into in July of 2016 and the hail storm we were cought in.
The people in the insurance company were far removed from that friendly one on one relation with the customer and more focueed on cutting their costs. If it were not for the honesty of the repair shop owner they sent us to we would not have been serviced well at all. We were actually told by our phone representative handling our case the owner should not have said the things to us he did about how National General was just trying to do it on the cheap and he in good conscience could not do it. She said he works for us. I was thankful he was working more for his customers and protecting his BBB A rating than doing the cheap fix for the insurance company.

Regarding GEICO, we had an absolute nightmare with them and switched.
We have had Sate Farm for many years now and have had excellent service. They came out on a claim for a previous trailer and wrote a check on the spot for the claim. When the repair came in over by a small amount they paid the shop that day over the phone.
I think people have problems with all insurance companies and I believe the best help you can get is when you have a good relationship with your agent. My agent called me when I had a claim and checked up on it to make sure I was being taken care of. When I had an increase on my policy a few years ago, he called me and told me to not worry that he would fix it and he did.
So, when people look around constantly trying to save a buck they lose that personal touch from a long relationship with the agent.
Then again maybe I'm just lucky to have found one who really cares.

We are just starting with Safeco. See how it goes....

The new director should step up,and dissolve "Good Sam" while it still might have some positive things from the past. These new scam companies all of which are theves.
NGI , Progressive, ect. Are crooks and do not pay claims!
Go to Geico !
There is no Good Sam anymore!

Ha ha ha shame on you N G I aka good Sam !
Yes I had to sue the losers and came out with half at least !
They hire scam appraisers and loser adjusters to try and pay nothing ,giving them vaciton insentives to not pay! Really! It happened to me! My appraiser left me hanging after a accident and went on vacation and could not be reached for a week!
Losers shame on you !

We have a 2014 Keystone Fuzion Toy Hauler fifth wheel that we bought new in Lakewood CO before we retired and moved to Florida. We have had National General Insurance through Good Sam since it was bought and they, in addition to our RV, also covered our home, truck and scooters. We never filed a claim until after a March 2016 hail storm broke the outer skylight over the bathroom and caused significant hidden damage to the roof decking while the unit was in storage near our home in Florida. Once we had the RV inspected we were told that we needed a new roof which would cost over $11,000.

When we reported the damage and filed a claim with National General Insurance they denied our claim without even looking at the unit. I am now in the process of suing National General Insurance and have dropped all of their insurance coverage (except for RV).

I strongly recommend that everyone AVOID National General Insurance through Good Sam even if you have to pay more for your coverage elsewhere. YOU HAVE BEEN WARNED!

It was unfortunate that your experience 3 years ago was not as it should have been. I apologize for that. I can tell you with 100% certainty that my statement about our agents not knowing the commission level of each company is true. You are correct that NGIC is the only company available on our website. Maintaining accurate rates which typically change yearly for 6 different companies in 40+ states on a website is challenging to say the least. Any customer calling our 800# will be quoted with multiple companies and offered the appropriate coverage's at the best rate.