Forum Discussion

born_free_28's avatar
born_free_28
Explorer
Aug 03, 2014

Insurance Rate Doubled after Accident--Help!!

I currently have my RV insured with National General. In january 2014 I backed into a parked car and busted his headlight along with some other minor damage. I had very little damage.
I contacted National General, filed a claim and had the damaged car repaired. I had nothing done to my vehicle.
Two days ago I got my new policy renewal information from them and they had doubled my premium and said I had been assigned 5 points against my driving record from the accident.
First time in over 20 years I have had to use my car insurance and I really got banged up!
Now faced with a huge premium increase, thought I would ask any rv.net members for advice and see if any of you have experienced this and what you did?
Guess I will start looking around for a new carrier…Any Recommendations?
thanks
john
Class A
  • Popsie's avatar
    Popsie
    Explorer
    Aug 03, 2014
    Hmm, with perfect hindsight, would it have been better to pay for the repairs to the car out of pocket?
  • loulou57's avatar
    loulou57
    Explorer
    Aug 03, 2014
    This seems to be the norm these days. You make a claim and you pay. It isn't right that we "have" to carry insurance, never have a claim for years and then basically pay for the next 20. No wonder people are paying out of pocket for repairs. That minor damage to the other car, will likely cost you triple in the long run through insurance. However, it is when we happen to have a huge claim for damage, injuries and loss of life that we need it.
    Just remember that if you change companies you will be treated as a new customer and possibly as if you are a new driver. It happened to my friend who changed companies when her hubby died. She was 52 and charged the rate of a new driver.
  • DownTheAvenue's avatar
    DownTheAvenue
    Explorer
    Aug 03, 2014
    Insurance is just like anything else you buy. There are lots of companies offering a dizzying array different policies with an equal variation in prices. Shop around and you will probably save a lot of money.
  • Vet_Man's avatar
    Vet_Man
    Explorer
    Aug 03, 2014
    Change Insurance companies. You may find one that will still give you a lower rate. I changed companies soon after an accident and got a good rate. I told them of the accident but it was not yet in the system so they said they did not care.
  • rgatijnet1's avatar
    rgatijnet1
    Explorer III
    Aug 03, 2014
    Change companies and have your wife pull the new policy, listing YOU as the additional driver. This is one company that insures all of my vehicles and the RV. Haven't found another company that can even come close to their rates. They only write in certain states but Colorado is one of them. Auto-Owners insurance
  • cyntdon2010's avatar
    cyntdon2010
    Explorer
    Aug 03, 2014
    Insurance companies will screw you. Shop around for a better deal, don't take it lying down.... LOL
  • rware's avatar
    rware
    Explorer
    Aug 03, 2014
    I have my RV insured with Progressive. I had an accident earlier this year and did quite a bit of damage to the rear end cap. It was my fault. Progressive were very helpful and paid for the repairs. When I received my renewal notice from Progressive my premium did go up but nowhere near that much. I renewed.
  • PortWentworthSa's avatar
    PortWentworthSa
    Explorer
    Aug 03, 2014
    I have Progressive on my m/h. I've had 2 large claims on my policy in the last 5 years or so. Lightining hit my Winnie M/H destroying all the electronics in the coach. $8,000.00+ claim. Then I hooked my Fleetwood M/H to 220V by error (long story) and fried everything in that coach. Another $10,000.00+ claim. When it came time to reniew my policy there was NO CHANGE in my premiums. I expected a big increase. That was over a year ago,

About Motorhome Group

38,705 PostsLatest Activity: Jan 14, 2025