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Good Sam Insurance Rip Off Washington State

Jpony56hd
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Explorer
The wife went on line to re-new our Insurance on our class A and pick up truck this morning. The web site gave her No Other Option than to pay in Full! We've had NG for 9 years now, never late on payments. When we called we were told that National Generals Product Manager for Washington State had reviewed our policy and based on some secrete code system decided that we are and Insurance Risk. I been driving for 50 years with only one accident back in 2003 when some kids lost control of their car spun out and crossed into opposing traffic and hit my classic 1953 Ford. I just retired from Boeing with 18 years in, I've been a member of Boring Credit Union since 1988 and have an excellent Credit Rating. So what was our crime?? The best as the rep could tell us was that our Visa is Maxed Out! Seriously! Time for a new Insurance Company..
28 REPLIES 28

Bigdog
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Ah, ha....:o
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Sourdough_Biscu
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Bigdog wrote:
beemerphile1 wrote:
Jpony56hd wrote:

...a Good Sam Reprehensive...


Now THAT is hilarious!
\

If you go back to the first page,you'll find that there was a post by a insurance rep from Good Sam that said that he'd look into it. It appears that it isn't only the CEO of Good Sam that watches these forums.


I believe the "hilarious" part was the typo? :))

Bigdog
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beemerphile1 wrote:
Jpony56hd wrote:

...a Good Sam Reprehensive...


Now THAT is hilarious!
\

If you go back to the first page,you'll find that there was a post by a insurance rep from Good Sam that said that he'd look into it. It appears that it isn't only the CEO of Good Sam that watches these forums.
GO COUGARS
2001 Tradewinds 7390 LTC
330 Cat Turbo Freightliner Chassis
2011 Jeep Liberty(toad)

'88 Mustang 5 Spd 5.0L GT convertible (not Toad)

OkSixpack
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Explorer
ugh wrote:
Just to be clear to everyone. Having too many CCs or maxed out CC does not impact your insurance rate. Those things impact your credit scores which in turns impact your rates. Just like mortgage rate, car loan rates, etc. The better your credit score, the better your rates and it is not equal for insurance companies. That is why it pays to shop around even if you have great rates now.


Their wording to me was "That I had too many credit cards." My credit score has always been outstanding.
Jim

P.S. Why did my other post disappear, or did I just miss it?

beemerphile1
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Explorer
Jpony56hd wrote:

...a Good Sam Reprehensive...


Now THAT is hilarious!
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OldFogie
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louiskathy wrote:
Just because he's max'd his card out doesn't mean it's a high amount of money. I intentionally called cust. service and lowered my credit card limits to make my credit score higher. (and to protect me from someone running up my card if it were stolen.)


Actually this will lower you credit score.
2007 Bounder 35E
2011 Jeep Grand Cherokee
1999 Jeep Wrangler

Water-Bug
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Explorer
If an online rep can correct the problem, it doesn't resolve thae fact that it should NEVER have happened to begin with. Over 90% of consumers would probably just live with the increase, especially the elderly. I had AAA REFUSE TO RENEW for too many accidents, when they never paid out a penny in claims and I had no moving violations in the prior 10 years. Found a new insurer and never looked back.

Jpony56hd
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Explorer
The Dust Finally Settles. The wife recently received a call from an High Up manager apologizing for a Big Mistake on their part. It appears we were accidently flagged as a risk and due to intervention from a Good Sam Reprehensive from this blog, they were able to go back and review our account for the last 9 1/2 years and found us to excellent valued customer. So they erased everything and sweetened the pot some and now we're all just one big happy family again. So the squeaky wheel gets greased. Our Thanks to the Good Sam Representatives who got involved and brought this to a Happy Conclusion. The Johnsons:)

ugh
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Explorer
thestoloffs wrote:


If someone has retired, this can also affect one's credit score -- especially if one's replacement sources of income to repay outstanding CC debt are not readily apparent from published records.


NO NO NO. The amount of income has zero impact on your credit score. Its how you pay your bills on time for CC, loan payments, etc. Other factor is the credit to debt credit ratio that affects the score. This is where OPs problem comes into play I.e., three credit cards with a total limits of 50K. If the person owes 45K, then the score will tank as the credit to debt credit is very low compare to those who owe 5k out of 50K.

The income has absolutely no bearings or impacts on credit score! Don't believe me, google it or call one of the credit beaus. If you pull your credit report, it does not report incomes. There are millionaires out there with bed credit report. If they have millions of dollars, how can they have bad credit scores? Its because they do not count incomes, savings, 401k, etc. on credit report.
---------------------------------
2001 F250 5.4 3.73
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Jpony56hd
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Explorer
Well we finally got to the root of the problem. In February of this year, in our local Wall Mart parking lot another driver and I backed out into each other. No damage to our truck and a small dent in the other drivers door. The other driver hung around to get my info and then took off. Unknown to us the other driver made a claim and was paid aprox $2k for his damages. We've had Good Sam Insurance for 9 1/2 Years and have paid out aprox $15k in payments. So because Good Sam had to pay out on a claim we now have three driver points on out Good Sam Record, our rates went Up and they want us to pay $1,400 up front. Time to find another Insurance Company! This is not how you treat your customers.. DONE..

thestoloffs
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Explorer
If you think this keeps on showing new information, we might have missed another factor on the credit score issue:

Jpony56hd wrote:
I just retired from Boeing with 18 years in


If someone has retired, this can also affect one's credit score -- especially if one's replacement sources of income to repay outstanding CC debt are not readily apparent from published records.

DSDP_Don
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"Jpony"......In this day and age, insurance companies will rarely ever show any allegiance, even to long time customers. I was with State Farm for 20 years, towards the end they kept raising my rates with no real explanation. Finally, I went shopping and cut my rates almost in half by going with the Auto Club. Dropped State Farm like a hot potato. After 20 years, not even a phone call when I left.

Sooooo.....when he rates go up, go shopping!. If you read these forums, you'll frequently see posts about rate increases. Sometimes it comes in waves where one company suddenly raises it rates in one area or another.....Progressive is notorious for this. It's just something they do....when they do, move on.
Don & Mary
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beemerphile1
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Explorer
Owing over 30% of your available credit has a large negative impact on your credit rating. It isn't the amount that is critical but the ratio.
Build a life you don't need a vacation from.

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rr2254545
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This story just keeps running along with new information
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