National General Insurance Yay or Nay?

[dblr]

Yay for me, had to file a claim just over a year ago, no issues whatsoever with great results, spoke to the same person every time I needed to either on phone or email, I was holding my breath come renewal time for a rate increase but there was none. They offered the best rate for our truck but they did want the camper as well to prove the truck is only for towing the 5th wheel.

[rmac04401]

Originally Posted by dblr

Yay for me, had to file a claim just over a year ago, no issues whatsoever with great results, spoke to the same person every time I needed to either on phone or email, I was holding my breath come renewal time for a rate increase but there was none. They offered the best rate for our truck but they did want the camper as well to prove the truck is only for towing the 5th wheel.

They do have accident forgiveness so if it was your only claim or under 1700 dollars they don’t consider a chargeable claim.

[dblr]

Originally Posted by rmac04401

They do have accident forgiveness so if it was your only claim or under 1700 dollars they don’t consider a chargeable claim.

It was well over that amount, so just like every year it's a wait and see

[cruisinhwy66]

I just happened to call Good Sam's yesterday, for the second time, in response to a mail out, thinking maybe rates had come down, "not". I was quoted a higher rate than before, which was about a year ago. The quote, in my opinion, was far to high for a RV that's sits in our driveway about 70% of the time. Our 2 autos that have full coverage, can be driven daily, and we pay way less to insure them.

To remember correctly, I've called 3 times, soon after we purchased this RV, a 2018, about 1 year later in response to a mail out, and yesterday. Each time the quote had increased, not decreased. Because we were able to pay cash for this RV, I decided to self insure and keep the premium payments in the bank and save if needed. So far we've saved almost $4000. I insure the T-V with enough liability, $$ at less cost, to cover any damage the RV may cause. Based on 12 years of history and thousands of miles of travel, the T-V has done all the damage, the RV "0".

I realize no one can not insure if the RV is financed, but It's a risk I'm willing to take. I also think it a money grabbing scheme, an RV is a luxury item, and if you can afford an RV you can afford too pay the premium being asked.

cruise

[Jan and Jim]

Have them and they covered damage to Winnebago Class C with $500 deductible. Straight forward and uneventful

[whj469]

I would not self insure a $114,000 fifth wheel. I noticed that many of you above have a $1,000 deductible? Does this work for you? Mine is $500 and maybe I should move it up?

[eviled]

I've had National General over 20 years for both automobile and RV. They covered a broken awning and roof repair on my first 5th wheel and replaced the roof on my current 5th wheel. Also over the years have covered accident damage on 2 trucks, all with no problems. I think the key to what everyone is saying is the person representing you is very important. I have never had a problem and my rates are reasonable. I have checked around and have not found anyone cheaper of the major companies and the major companies do not compare their prices to National General in their advertisements. Some may be cheaper but I prefer the service I have received over the years.
Just my thoughts.

[BehindBars]

Originally Posted by whj469

I would not self insure a $114,000 fifth wheel. I noticed that many of you above have a $1,000 deductible? Does this work for you? Mine is $500 and maybe I should move it up?

Not sure what you mean by "does this work for you?" It does in a sense that it reduces the premium.

Mine are all $1000 deductibles, or else I just don't bother with collision and/or comprehensive on low cost vehicles. Liability and Uninsured/Underinsured coverages are your most important ones. Insuring the vehicle itself just depends on if you would consider it's loss to be a catastrophic/life changing event, or merely an inconvenience.

[TeacherLee]

Nay, we had theft from car with replacement value. Never seen such a hassle. They want receipts from original purchase. It isn’t replacement based on quote, they only pay replacement after you purchase replacement. Has been a huge hassle and still not settle 6 months later.

[sau51]

We have had them since purchasing our 5th wheel, 5 years ago. They paid two claims last year. We shall see what happens to the renewal.
Also purchased through Good Sam for replacement cost coverage. No complaints about their claims handling.

[gwj123]

I switched from NG to Progressive. I had NG through Good Sam, last year backed my trailer into the water faucet in the camp site. Went to my dealer and got an estimate, then filed a claim with NG, they wanted pictures of the damage and said they would do their own estimate. It came in about 1/4 of what the dealer wanted, but they said that Camping World would do it for the NG estimate. (Camping World, Good Sam and NG are in bed together). I said fine, called Camping World 4 days in a row leaving vmail and even talking to a person to have the service manager call me to schedule an appointment to fix. They never called me back. I finally called NG and said I am having it fixed at my dealer and will pay the difference. The dealer did a lot of negotiation on my behalf and finally got NG to agree to a compromise. Took almost 2 months, but I ended up only having to pay my 1k deductible. A few months later, I got my renewal notice from NG, they increased my premium 3x what it was, saying that because I had an "at fault" claim. I said no thanks and went to Progressive for a few dollars more than my original premium, and they didn't care about the claim I had.

[tomaziegler]

So, your timing on this post/request is very interesting... So, we have been with them for 10 years or so. Been very good. Policy allows for full replacement of RV, many don’t. Have had several claims in that 10 years (not our fault) and covered no problem with no increase in premiums. Also, when we bought the new cedar creek fifth wheel three years ago got a tremendous deal on an extended warranty through Good Sam because of the relationship with National General. And, they allow for reduced coverage and premium when In storage.

Having said all that, they ticked me off recently and just signed up with another company. I had a “self-induced” accident with my truck last Fall. Long story short, released the RV before landing jacks were down. (No razzing please). Was just in too much of a hurry.
Luckily, the tailgate was still up and took the brunt of the weight and damage. (RV never dropped. Stayed in truck).
Anyway, after much debate, decided to file a claim rather than pay out of pocket. Approx $1450 claim. Received my renewal several weeks ago and they raised my premium $1100 for only 6 months ($2200 yr). I called and they readily admitted they raised the premium because of my claim. I escalated it to a manager who basically told me there was nothing they could do. Further, told me the increase would be in place for three years??? So you are going to charge me $6600 additional over three years for a $1500 claim? I don’t think so. They actually did me a favor. I found coverage thru Auto-Owners for both vehicles, RV and bundled my homeowners ins for price that was less than Nat General “pre-claim” premiums. (Overall savings on both policies is about $800 per year before the increase). Coverages on both autos actually got better. the only thing I lost was the replacement coverage on the RV. To me, that was worth $800 a year in savings.

No longer a fan of Nat General!

[JimChow]

I have NG for 2 years now. When I signed up they charged an extra $60/year due to a not at fault accident. They said extra $60 would be in place for 3 years because I filed a claim, even though the accident wasn't my fault. Sure I filed a claim....my car was still new.

Anyways, renewal went up $40 last year. I stayed because TT was new and I had replacement coverage. I'm waiting to see what the increase is this year.

We had Citizens Ins for house , 2 cars driven, and a classic Chevy but premium increased so much I dumped them for AAA. Better coverage and $800 less/year. They may be getting my TT this year also.

[jkoenig24]

Originally Posted by NMWildcat

We had them, switched when they raised their rates. Can't say they are any better or any worse than any other insurance company.

Ditto.

[Missdenise]

We have had National General for the past 3 years. On our first outing with the camper 2 years ago a tree fell onto the camper and totaled it. We had a replacement clause in the insurance and we could get our 2015 Rockwood replaced with a 2019 for the deductible - $250. or actual cash value. We took the replacement.


Getting all the paperwork finished and getting the camper delivered to our site, did take about 6 wks. But much better than waiting for a repair. All and all we were very happy.

[dapennington]

Originally Posted by mistyshadow5360

Looking for experiences with National General Insurance. For those of you that have National General Insurance would you recommend it?



If you have had it before why do you not have it now?


I like that they lower the rate when your unit is in storage. Are there other companies anyone is using that does that?

i have them and had to file a claim Sept 2018 when i had to Goodyear China Bomb's blow they were "Johnny on the spot". Paid the claim then went after Goodyear for reimbursement. No rate increase. I have by 5th wheel and my vehicles with them.

[Smittty]

It would not be any more of a problem for me to pay the $1000. than the $500. deductible and it really helped on the yearly rates. I just made sure the windshield was covered with no deductible. We have had NG for several years and they have increased their rate a bit but so has every other insurance carrier that I have ever had. We had one claim on an auto covered by them and no problem with the claim. I have multiple policies with them. MH, Auto(3) and had house until they stopped writhing in Ca. and than they found me a new home insurer (ASI)