I am very disappointed in the Good Sam Insurance. Had an accident a year ago that damaged my tow vehicle and 5th wheel. The company that my truck was insured with, Progressive Insurance Co. arbitrated with the at fault party's insurance and returned my $1,000 deductible to me within 6 months. Almost a year later, NG informs me they were not able to successfully settle with the at fault party and I am out the $1,000 deductible and now have a claim on my driving record. I am switching to Progressive for my 5th wheel coverage. Think twice before going with the Good Sam policy.

Call Judge Judy and file a claim aganist the other Insured. You will get your $1000 and be on tv. :S

I had National general too when I bought my first camper. I never had a claim but had issues when trying to renew my policy. It was just so rinky dink. I cancelled because I thought that if they couldn't even get a renewal done correctly, I wouldn't have any faith in them if I had a claim. I am now with Progressive and I'm much happier.

Hello baker84102,Thank you for contacting Good Sam, I apologize for the experience you have had with your claim. Please provide your contact and policy number in a private message, we will look into this further.Thank you,EllaGood Sam Care Team

Hello RobWNY,Thank you for your time and providing your feedback, please let us know if we can be of assistance in the future.Thank you,EllaGood Sam Care Team

My wife and I are Life Members of The Good Sam Club. I am currently recommending that everyone steer clear of Good Sam Insurance. Here is my experience:We decided to go with National General Insurance through Good Sam RV Insurance when we purchased a new travel trailer in September 2016. I wanted Good Sam RV Insurance because I thought they would be more in tune with RV'ers unique problems and concerns. On June 11, 2018, our travel trailer was stolen from the storage facility where we kept it. We filed a claim with National General on June 15, 2018. I was told claims such as mine are typically settled in 2-3 weeks. I just retired in April, and my wife and I had planned our first retirement trip in August. National General Insurance has been less than responsive to my concerns. The only way I heard from them was if I initiated contact. I was told more than once about some problem or other that they were facing. I was promised by more than one agent that they would get back to me in a day or two. I never heard anything unless I called them back. I spoke with a supervisor in the Claims Department twice. The response from him seemed to be better, but my claim did not move along. Apparently, there was a mistake made on the paper work when we purchased the travel trailer concerning the VIN number, resulting in two VIN numbers being used. This paper work was all done by the Sales department at Camping World. I don't fault National General Insurance with the mistake, however, I don't feel that they were aggressive enough in pursuing a solution. It has now been over two months since my initial claim, and there is no end in sight, as far as I can tell. My trip plans have been ruined. Before realizing that this claim was being dragged out, I transferred my other vehicle insurances to National General Insurance. I am now thinking that I made a big mistake. I continue to make monthly loan payments on a travel trailer that I no longer have the use of. I can't help but wonder if National General Insurance is not delaying a settlement for as long as possible in order to reduce the amount they have to pay. I am also continuing to make insurance payments on a vehicle that I no longer own.As of September 1, 2018, I still have no resolution. My claims agent told me everything had been handed over to the RV replacement company. The agent there tells me he has heard nothing from National General. What a mess! Needless to say, I will be shopping for new insurance once this claim is settled.Roy JacksonSebring, FL.

National General Insurance | Good Sam Community

24 Replies

Good_Sam_Care_T
Explorer
Sep 28, 2018
Hello,

I am closing this topic due to lack of activity. Thank you for your time and participating. Please feel free to open a new thread on this topic in the future if you wish.

Thank you,
Ella
Good Sam Care Team
1968mooney
Explorer
Sep 11, 2018
BadgerMcAdams wrote:
KPetrick wrote:
Baker84102,

I am sorry that you did not get your deductible back but wanted to share with you how this process generally works. I was a manager of a collections/subrogation group at a larger carrier. Most companies work through a company called Arbitration Forums. For smaller claims everything is submitted in writing. There is no chance to state your case verbally or meet face to face. You have no idea who at Arbitration Forums will decide your case. It is totally up to the arbitrator to read the material and assign blame for the accident or possible assign some to each driver. I had cases that seemed very cut and dry and they went 50-50. Others were I thought we probably would lose we won. Most of the time they are pretty good but once in awhile you just get a bad arbitrator who did not spend the time to read through all the material. Carriers do this because the costs to take these claims to court would exceed the amount that could be collected. Keith

So basically, if the person who got your case had his wife leave him, his dog died, and his daughter got pregnant that morning, you can pretty much be assured that your case is gonna get tanked.

Is there a Technical School that I can go to to learn how to hose people over or is it a 4-year thing...

Arbitration is designed to give the Insurer/Big Company/etc the edge in a case. If this were not true, then there would be NO companies wanting to use this system to decide the fate of a case/litigation.

And if it is a fight between 2 insurance companies (one of them being the people representing you), can it be proven beyond a reasonable doubt that the arbitrator is totally unbiased and is not being influenced by an outside force (i.e. the other company)?

That is why we have courts in the United States. To have the ability to have several people come to a conclusion after seeing all the facts in your case. And then decide your outcome.

Unfortunately, the ability of the "little people" to raise their voices and have their say is being stomped out by corporations who are ONLY in it for the money.

But what do we know.

Okay, rant over...continue with your normally scheduled programming.

As I posted earlier, call Judge Judy. You may get your $1000 back and be a movie star to boot.
BadgerMcAdams
Explorer
Sep 11, 2018
KPetrick wrote:
Baker84102,

I am sorry that you did not get your deductible back but wanted to share with you how this process generally works. I was a manager of a collections/subrogation group at a larger carrier. Most companies work through a company called Arbitration Forums. For smaller claims everything is submitted in writing. There is no chance to state your case verbally or meet face to face. You have no idea who at Arbitration Forums will decide your case. It is totally up to the arbitrator to read the material and assign blame for the accident or possible assign some to each driver. I had cases that seemed very cut and dry and they went 50-50. Others were I thought we probably would lose we won. Most of the time they are pretty good but once in awhile you just get a bad arbitrator who did not spend the time to read through all the material. Carriers do this because the costs to take these claims to court would exceed the amount that could be collected. Keith

So basically, if the person who got your case had his wife leave him, his dog died, and his daughter got pregnant that morning, you can pretty much be assured that your case is gonna get tanked.

Is there a Technical School that I can go to to learn how to hose people over or is it a 4-year thing...

Arbitration is designed to give the Insurer/Big Company/etc the edge in a case. If this were not true, then there would be NO companies wanting to use this system to decide the fate of a case/litigation.

And if it is a fight between 2 insurance companies (one of them being the people representing you), can it be proven beyond a reasonable doubt that the arbitrator is totally unbiased and is not being influenced by an outside force (i.e. the other company)?

That is why we have courts in the United States. To have the ability to have several people come to a conclusion after seeing all the facts in your case. And then decide your outcome.

Unfortunately, the ability of the "little people" to raise their voices and have their say is being stomped out by corporations who are ONLY in it for the money.

But what do we know.

Okay, rant over...continue with your normally scheduled programming.
KPetrick
Explorer
Sep 11, 2018
Baker84102,

I am sorry that you did not get your deductible back but wanted to share with you how this process generally works. I was a manager of a collections/subrogation group at a larger carrier. Most companies work through a company called Arbitration Forums. For smaller claims everything is submitted in writing. There is no chance to state your case verbally or meet face to face. You have no idea who at Arbitration Forums will decide your case. It is totally up to the arbitrator to read the material and assign blame for the accident or possible assign some to each driver. I had cases that seemed very cut and dry and they went 50-50. Others were I thought we probably would lose we won. Most of the time they are pretty good but once in awhile you just get a bad arbitrator who did not spend the time to read through all the material. Carriers do this because the costs to take these claims to court would exceed the amount that could be collected. Keith
Good_Sam_Care_T
Explorer
Sep 08, 2018
baker84102,

Thank you for providing an update and I am sorry to hear about your experience. I have updated your case.

Thank you,
Stacy
Good Sam Care Team
baker84102
Explorer
Sep 08, 2018
So I did get a call from a NGIC representative. Story is that they went to "binding arbitration" and that they lost...even though Progressive won on the claim on my truck. Guess Progressive has more competent negotiators. So I'm out $1K on deductible will continue to have a ding on my insurance record. Oh..GS also is raising my premium. I'm through with Good Sam insurance moving carriers.
Good_Sam_Care_T
Explorer
Sep 08, 2018
busterbrown73,

Thank you for contacting Good Sam and sharing your experience. I am sorry to hear about the delay on your claim. Please let us know if you need assistance.

Thanks,
Stacy
Good Sam Care Team
Jq1953
Explorer
Sep 08, 2018
Sorry to here you had a problem. I've used Good Sam's Insurance (NG) without any issues. But if I had an issue I would contact my state's Insurance Department. They should help with your problem.
busterbrown73
Explorer
Sep 08, 2018
More real world reviews of National General...enjoy.

National General

https://www.rv.net/forum/index.cfm/fuseaction/thread/tid/29504773/srt/pa/pging/1/page/1.cfm
StephJohn2010
Explorer
Sep 07, 2018
I am leaving Progressive. They raised my premium 20% last year and then another 25% this year. I have had no speeding tickets or accidents and my credit score is about the best you can have. Plus my rv is worth alot less that when I first got the insurance with them 6 years ago.