National General Insurance

KPetrick wrote:
Wbwood- I wanted to address a few things outlined in your posting. I am not sure of when Bob sent you a private email but he has been gone from Good Sam Insurance Agency for over a year. I am the current director of GSIA. National General is one of our main insurance carriers but we also write with Progressive, Safeco, Allied, Foremost and National Interstate. The commission structure is different for each carrier and is based on many different variables. We now have a software package that is called a comparative rater that returns rates for all our carriers at once. Rates vary greatly by state, risk, RV type, etc. Our agents are trained to look at coverage's and rates for customers and offer what is best for the customer. They do not know what commission each of our carriers pays and they are not trained to offer policies based on commission. Our focus is on the customer first and offering the coverage's that they need. I am sorry that you got the impression that we offer policies based on commission. That is not the case. It is coverage's and rates and they are fully reviewed and outlined with each potential customer.

As I stated above, it was 3 years ago. I know what you should be doing, but I know what you were doing also.



If the agent was supposed to give me the best coverage and rate, then why did I need to give them the info a separate time? And then when they came back with the rate for Allied, it was nearly half the price of NGIC. I think Bob's message, which I have saved, kind of tells it all. You can't tell me that your agents don't know which ones pays the most. Especially when your then VP is telling me and your online quoter automatically goes through NGIC as well.

I call BS!

Wbwood- I wanted to address a few things outlined in your posting. I am not sure of when Bob sent you a private email but he has been gone from Good Sam Insurance Agency for over a year. I am the current director of GSIA. National General is one of our main insurance carriers but we also write with Progressive, Safeco, Allied, Foremost and National Interstate. The commission structure is different for each carrier and is based on many different variables. We now have a software package that is called a comparative rater that returns rates for all our carriers at once. Rates vary greatly by state, risk, RV type, etc. Our agents are trained to look at coverage's and rates for customers and offer what is best for the customer. They do not know what commission each of our carriers pays and they are not trained to offer policies based on commission. Our focus is on the customer first and offering the coverage's that they need. I am sorry that you got the impression that we offer policies based on commission. That is not the case. It is coverage's and rates and they are fully reviewed and outlined with each potential customer.

As mentioned, National General Insurance used to be GMAC. Don't let the words "Camping World Insurance" or "Good Sam Insurance" confuse you. Camping World/Good Sam is only a brokerage. If you call to get a quote or get one online, they will automatically quote you through National General. However, as a brokerage, they can and do underwrite under other insurance companies. The caveat is that you have to ask them to quote you under other insurance companies/brands. To me, that is not holding up to a true brokerage that is working for you.

4 years ago, we traded in our TT for a motorhome. We had Allied Insurance (purchased through camping world 3 years previously) with the TT. When we called to get a quote on the motorhome, they automatically quoted us with National General. It was nearly twice as high as what we were thinking it would be and what the camping world finance manager though it would be. I asked the person on the phone to quote us under Allied. I had to give all the information again to her (this is will be important a little later in my story). The quote I got back was nearly half the price for the exact same coverage. Matter of fact, the lady told me it was the same coverage and the same level. 3 years ago there was some talk about insurance on the forum. I had a private message with Bob Fulcher (then VP of Insurance Services at Camping World). I asked him why we are automatically quoted under National General and if it had anything to do with higher commissions. Below was his response.....

You are partially correct in your assumption. National General does pay higher commissions compared to the other carriers we represent. They also provide the most comprehensive coverage and the largest discounts for Good Sam members. That being said, my instructions to our agents has been to present National General first only if the price is competitive with the other companies; presenting NGIC when they are twice as high is a definite error by the agent. NGIC is also the only company that we presently have available for online quoting. If someone requests a quote from our website, they will get a NGIC quote.

Thanks for your message and your business.

So straight from the horses mouth. But remember when I told you up above that I had to give the lady all my information a second time to get a quote through a different company? If they tell their agents to ONLY give NGIC quotes ONLY if they are competitive. Um half price is not competitive. How can it be an error from the agent if the agent had to ask me the information a second time? They never looked up any other companies!

The only thing I know about NGIC is that their quote from me was nearly twice as high as other insurance. I know that they paid we well when one of their customers hit me and totaled my car a couple years ago.

But I do know it's a sham of Camping World is doing with automatically quoting people through them because of the higher commissions. To automatically quote them through the website. Those who do not know any better do not understand this practice of theirs and in my eyes is deceitful.

No Stress Express,

Thank you for contacting Good Sam and I am sorry to hear about your experience. Please send a private message with your phone number and membership number.

Thanks,
Stacy
Good Sam Care Team

I had no idea Good Sam had other carriers. I had to file a claim recently for damage to our MH which I believe was caused by vandalism or something but because I did not witness or do not know exactly what happened NGIC automatically files a collision claim. WHAT? I have never heard of this in my life.
My assigned adjuster never called me. I always had to call her. She was to contact within 24-48 hrs - I waited a week. She said I'll call you tomorrow - never happened. No one came out to look at the damage. They had me take pictures and upload them 3 times and that's how they estimated damage. I don't know if I'm too old school; but I really believe that adjuster's should still come out and assess the damages in person. Especially for the prices paid.
One of the biggest disappointments: my adjuster was located in another country. I couldn't figure out why I had such difficulty communicating and why she did not know the details of my policy well. She repeatedly had to either check with her "supervisor" or put me on hold to reread the policy.
If I may also say, I don't like that I cannot make changes to my policy online.

The crooks National General / "good Sam ", finally paid half my claim after suing them!
Progressive are just as bad, would not pay a rv claim at all!
Trying Gieco for a lot less!
Who do they think they are fooling!?

They both are crooks. Try Gieco you will save a lot!
I am paying $1200 for full coverage 300/100 500d on my rv and truck
J

Bird Freak wrote:

mikejodifin wrote:
Thank you, hope nothing happens, just didn't know if not near a Camping World, how much of a hassle.

camping World really has nothing to do with it other than getting a kick back from selling their insurance.

Very true. "Camping World Insurance" is not an insurance company. As a brokerage, they sell insurance through various insurance companies. They automatically quote you through NGIC because NGIC pays out the highest commissions amongst the various companies. If you call to get a quote, tell them immediately that you want to be quoted through various companies. Our experience is the NGIC's quote was nearly twice as high as the Allied Insurance (Nationwide company) that we went with. They try to say NGIC is more comprehensive, but upon comparison, we have not been able to see much difference. NGIC will say they are the only company to do this or that, but they aren't.

Do your homework. Your mileage may vary.

Redfredg,

Thank you for contacting Good Sam, I apologize for the expereince you are having. I would like to look into this for you, please send a private message with a contact number and I will follow up.

Thank you,
Ella
Good Sam Care Team

When I purchased my RV from Camping World I got a free Good Sam membership and when I closed on my RV they mentioned insuring it with Good Sam and I automatically assumed it was from a fair reputable company...after all it's Good Sam right? WRONG!! Run...run far away and never insure your RV with Good Sam...I'm a travel nurse and went through a major hail storm with mine not even 3 months after I purchased it...I checked with the company my policy was with, National Interstate, because my skylight and one roof vent was broken in the storm...I asked about getting them repaired right away instead of paying someone to cover them up...after all why not fix them because I'm living in my camper and would pay salvage value and keep it even if it was totaled to give me time to find something different...they said that was fine and I would be reimbursed for the repairs when they got the damage estimate on my unit....WRONG AGAIN!!! They now tell me it's totaled and will not only not allow me to retain the unit but they will not reimburse me for the repairs they said they would reimburse me for!! And they won't pay me for my unit until they come get it...so where am I suppose to put all my belongings out of my camper after they take mine and I wait for them to send me a check and I find a different one?!?! WHAT A NIGHTMARE!! My Dad had a total loss and American Family took less than a week to give him a settlement which allowed him to keep his to use while he found a new one...I've been fighting with these bozos for almost 3 weeks now and the only thing I've gotten is an eviction notice and lots of stress, anguish and sleepless nights...don't make the same mistake I did...go to some place reputable for your insurance!