National General Insurance
This National General Insurance review will cover National General Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The National General Insurance A.M. Best rating is A-. To compare insurance rates from the best companies in your locale, enter your ZIP code below.
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Written by
Natasha McLachlan
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Reviewed by
Laura Walker
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UPDATED: Nov 19, 2011
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Based in Winston-Salem, North Carolina, GMAC Insurance is affiliated with GMAC Mortgage (a home mortgage corporation) and GMAC Finance, which offers financing on new and used vehicles. GMAC Insurance is also a part of the General Motors (GM) Corporation, and was the first insurance company in the United States to be founded by an automobile manufacturer.
GMAC Insurance is available throughout the United States. Although the company is affiliated with General Motors, you do not need to own a GM car in order to have them as your insurance provider. The GMAC Insurance website has a learning center full of information about every type of insurance that they offer, including:
- Automobile Insurance
- Home Insurance
- Recreational Vehicle (RV) Insurance
- Commercial Vehicle Insurance
- Motorcycle Insurance
- Mexico Insurance
- Collector/Classic Car Insurance
- Health Insurance
GMAC Insurance offers a number of different discounts to their policyholders. They fall into the following categories, including:
- GM/GMAC Customer Discounts for those who have more than one GMAC account or who own a GM vehicle.
- Paid-in-Full Discount for paying for your insurance policy up front rather than in installments.
- Multi-Vehicle Discount for having more than one vehicle combined on a single policy. This includes RV’s, motorcycles, and automobiles.
- GM Loyalty Discount for those who own only GM vehicles that are insured with GMAC Insurance.
- Safe-Driver Discounts for people who have completed a safe-driver course or who have an active OnStar account.
- Motorcycle Discounts for those who are considered safe riders, or who have multiple vehicles on their policy along with their motorcycles.
- OnStar Subscriber Discounts for people who have an active OnStar account.
- Low Mileage Discounts for people who only drive less than 15,000 total in a single year.
- GM Family First Discounts for customers who either work for GM or have a direct family member who does.
- Affinity Discounts for people who support various charities and organizations.
- GM Supplier Discount for people who work for a company that supplies parts and other items to General Motors.
Besides the online learning center, the GMAC website also has an online claims center, and customer care section. You can receive an online quote, manage your policy, or find a local GMAC insurance agent to contact if you have additional questions.
RIP off!!! Difficult to contact, rude reps. Run!!
If you need to make any policy changes and you don’t mind being passed around on the phone for hours on end then I’d say this is the company for you. It’s nearly impossible to talk to anyone other than a bot and if you do talk to a person they just transfer you to another bot loop.
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DO NOT USE NATIONAL GENERAL
This company is terrible and has the worst customer service that I have ever experienced. We needed Short-term insurance on our 18 year old child that is still in high school. Autopay is required and we are okay with that because we don’t want to have to remember to log in and do it manually. I needed to update the cvv code on my daughter’s billing information because we received a new card. I didn’t need them to provide me with any information whatsoever, they just needed to take the new number. They can’t do that. There is absolutely not way to do this yourself on your online account. The account is set up in a way that only allows you to change your password, and to print receipts and other documents. This because they would like to prevent you from easily canceling your policy in the future. I recognized this when I was getting the short term insurance policy for my daughter. For that reason, I got one of those GreenDot cards from Wal-Mart to make sure this company did not have my banking information. We preloaded it with 3 months worth of premium funds and let it go. We did not know that GreenDot Card would send us a plastic card with a chip by mail. My problem is that with legitimate insurance companies, like Anthem, you can do all of this online if you need to. These days, if you don’t have a nice, usable website, I do not want to use you . I am counting down the days until January when my daughter is on my Anthem policy and we can drop this poor excuse for insurance. DON’T WASTE YOUR TIME AND MONEY with National General Health Insurance.
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Stay away!
Worst company I’ve ever dealt with! They will low ball the customers and the service department of any repair facility. Do your homework, call any RV repair facility and ask ( who are the worst insurance companies they deal with? ) This company will be in the top five.
Don’t make the same mistake I made! Stay away!
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unsatifed with this insrunace
Need photo of Hearth Rug by fireplace , took fire place out , they would not renew policy because home was under construction , even after sent photos of fire place gone
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Terrible customer sevice. Greed
Called my agent at Charles Short Agency nxt day after big dog ran out in front on highway, pushed my radiator into cooling fan was close to my home managed to get it home so no police report.I told her it was not driveable anymore because of radiator obviously. Would be looking for another car so didnt need it insured any longer and my premium was due that same day.She said shed take care of it. Called her 3x nxt day when signed for new car.She never returned my call ( until weeks later)so i went with a different company.I get a late notice for not making my payment.I call her again she says she’ll take care of it. She didnt nor bothered to call me back.Then i get a notice from collection co. Sorry sorry way to do buisness !!
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Customer service is terrible.
RUN AS FAST AS YOU CAN FROM THIS GOOD SAM RV INSURANCE COMPANY….ALL THE REVIEWS YOU READ ARE TRUE….MY TRAILER HITCH BROKE OFF IN ATLANTA AND THE TRAILER SMASHED INTO THE RV..THEY DID NOTHING TO SOOTH THE PROBLEM AT ALL… AND MONTHS LATER THEY TRY TO SETTLE IT FOR $1,000.00 THE ENTIRE BEDROOM WAS CAVED IN LADDER SMASHED INTO BEDROOM…WHOLE RV WAS CRACKED AND THEY ONLY PAID TRAILER DAMAGE AND CLAIMED IT WAS THE RV DAMAGE….THESE PEOPLE ARE STRAIGHT CROOKS….THIS INSURANCE INST WORTH A PENNY…IF YOU BUY THIS INSURANCE ….YOU WILL BE DRIVING WITHOUT INSURANCE….WORST INSURANCE I’VE EVER HAD IN MY 50 YEARS DRIVING…BUYING THIS INSURANCE IS PAYING THEM TO SCREW YOU OVER
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Worst insurance ever
Worst insurance ever!!!!! They are tipoffs and in no way want to help you! Customer service is worst ever, if you can get through after hours on phone!!!!! Do not use this company they don’t pay out and just take your money!!!!!!
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Three times more expensive than most
I only went through National General as I had an RV to insure that I lived in part of the year, so I added my autos. I sold the RV, moved and kept my autos. However, upon getting a quote for the rates at the new location, it went up triple the amount and more than double compared to other insurance companies. They then charged me a fee to cancel earlier than my one year renewal date which was a significant amount. Would never do business with them again.
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This place is a huge rip off!!
They told me a month ago the price and installments for my home insurance. After, they got my money as a down payment and my first installment, they sent me another letter with higher installments. They misled me. Don’t recommend this insurance. I asked to talk to the supervisor but nobody is available on purpose. They don’t want to face their lies.
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WORST COMPANY EVER
THIS COMPANY IS REALLY SOMETHING I DONT THINK I WILL BE RENEW. YOU MIGHT BE SAVING MONEY BUT THE SERVICE IS NOT WORTH IT. YOU CALL THE 800 NUMBER AND I PROMISE THEY HATE THERE JOB. YOU THINK YOU PAYING YOUR INSURANCE THATS WHY THEY HAVE A JOB AND THEY TREAT YOU POORLY.
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Cancellation fee
I canceled my policy and went to progressive while I still was covered by National General. My contract was coming to an end and insurance was going up, mind you I never once made a claim and paid early myself. I received the email to renew I would need to make a payment which I didnt do. 7 days later they proceeded a direct payment which I never set up and never authorized. I then canceled the same day. They said no problem and refunded the payment and hung up. Now it’s the 23rd and was asked for $75 for cancelling and I was covered till the 7th. I was threatened with it going to collections because I hesitated and confused and not blindly paying the fee. Very unprofessional. Will never recomend this so called company EVER.
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National General Insurance fraudently charges!!
I had never heard of this National General Insurance ever. Beware they get their personal information somehow, and then can charge your credit card monthly for their health insurance premiums. They did me, and I missed it going on my credit card for months by being out of town. I hope they seriously get caught doing this in the future with others, because they need to be put out of business! What a true nightmare it has been to get the 5 months of charges taken off my credit card that totalled almost a $1,000.00!! Please report them like I have!!
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0 should be an option for stars
We’re a repairshop that had the misfortune of having to deal with National General, going on 2 months and they still have not settled the claim or reimbursed storage or towing, we call daily with from a recorded line and still get no where, ther ewas a NYS Insurance board that kept these companies from taking advantage of people, but thanks to a complete moron of a governor we no longer have that… so we lose $1000s in towing and storage laid out by us and the customer loses their car… do not purchase national general unless you want to be sued as an individual as this company has no intentions of settling claims for anyone and the federal gov could care less what they do…. jennifer, Casey, and stephanie can all get syphilis of the face and privates and suffer a miserable existence from representing such a poor excuse for an insurance company with such low degree of compassion for the people they destroy, along with all the upper management that condones this behavior
Sincerely
Kraftwerks
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LESS THAN ONE STAR
paying all this money and National General does not want to help in my car accident that I did not have at fault. the dealership set up the worst insurance ever I should of switched when I had a chance
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Warning shop around
They harass you daily by calling your cell phone even if you don’t have a policy with them. And when you call to get them to quit calling you they blatantly lie to you and say they will remove your number but they never do. If they lie about this they can’t be trusted for anything.
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Shady dishonest crooks
Their short term insurance is a complete scam. You answer the questions honestly, bingo, you are insured. Then if you make a claim, they spend months (6 total) reviewing every aspect of your past history. In this case, there was none but in the very first visit to a doctor they found a single sentence in the doctors notes that I had noticed symptom and therefore, I was guilty of a pre-existing condition. Seems I am a doctor despite me not knowing I was.
So they denied everything, 6 months post facto and rescinded the policy leaving me sitting with 128,000 in medical expenses and little negotiating room since now they are all 6 months old and unwilling to negotiate much. Maybe this horrible company should do some diligence up front instead of giving everyone a policy, approving all sorts to treatments and then leaving the customer hanging with the bills? A complete scam.
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Cancellation fee to cancel policy
Cost of insurance went up annually and they charged a 50.00 cancellation fee to cancel my insurance before the 6 month renewal period. I was paying month to month BTW. Their website indicates you “may incur” a cancellation fee if you cancel your policy early. I think if that is their standard practice then a customer should be informed with the amount.
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Buy today get marketing calls forever!
I just purchased an RV insurance policy from General Insurance. Now I get at least one marketing call every single day offering me quotes for additional insurances. I’ve asked them repeatedly to remove my name from their marketing list. The calls keep coming. I’m going to cancel my policy with them because I hate the constant telemarketing calls!
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Scam
Do not sign up for a policy with this company. If you cancel your policy before the end you have to pay them 10%. What kinda BS is this. There is way better insurance than this out there. Costumer service was terrible.
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Zero quality, Greedy, fraud, takes money.
National General Insurance and Good Sam have provided me phenomenal coverage over the last few years. I’ve had a few claims both on auto and home and they were both handled wonderfully and in a timely fashion. I was with state farm for 20 years and never received this level over service in all 20 years in 3.
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Dishonest, incompetent, scam artists! Horrible !
This is the absolute worst insurance company ever! The claim adjusters are dishonest and rude. They are full of lies, excuses and empty promises.
My truck was vandalized in my driveway, an attempted theft/break in. I filed a police report and got an estimate for the repairs.
It was more than my deductible, so I filed a claim. After jumping through all their hoops, I have called almost every day since to follow up with the adjuster. When he actually answered, I have only heard exuses and insult. Continously stating that it’s out of his hands and there was nothing that he could do.
It’s been 3 weeks since I filed this claim, still nothing. They have stalled out for so long, we will have to pay out of pocket to get the truck fixed for safety reasons.
We would really like to cancel all of our policies that we have with them. However, there is a cancelation fee and I doubt that we would ever be refunded on our prepaid premiums.
This company should be put out of business. It is a total scam!
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Charged 25. for cancelling
We were charged 25.00 for cancelling on the date it was expiring after having this insurance for 3 yrs. Who does that ??? We found a better insurance, so decided at the expiration date , we would change. I am very upset to think they charged us for cancelling.
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worst ever
They took $247.00 from our account for 4 months before I realized it, when it was only supposed to have been about $100.00 They will not refund the money they have stolen from us. However I have canceled the policy.
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Don't pay claim/ uninsured motorists stalling
Won’t pay uninsured motorist keep stalling and avoiding claimants. Prices are not awesome. Customer service don’t even know their companies policies misinformation to caller or messenger
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The Pits go somewhere else !
National General/Time Insurance company is a greedy company that takes our honest American dollars every month, leaving you with the expectation that you will get accidental coverage to help you meet a deductible, while not paying hardly anything towards your claims. Do not use this company unless you are a sucker like me. Payments were made for five years, I had an accident laceration and my hospital bill was $1400 and they claimed to only pay $100 for my claim.
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Very sloppy. Avoiding paying
Had accident in which floor was ripped open and they tried to say that it was previous damage. I’m not done
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WORST EVER
worst at handling claims wrong information in their system high way robbery and I can only imagine how many people just take their word for whatever they tell you. Fight for what is yours and I am glad I did they will take your money it’s triple from other insurance companies not to mention our agent sucked and dropped the ball as well.
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Lot of talk/little action
Victim of Campfire Disaster, lost everything. Insurance keeps delaying payment, passing the buck. Polite & nice, yet nothing happens. Required itemization, which we did, in spite of Insurance Commissioner’s urging of companies to forego this and pay in full for this disaster.
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terrible company
Recently filed a claim because one of their insurers rear ended me. It was clearly his fault and they did not want to pay me for me to get my car fixed. I haf my 9 month old son in the car with me at the time of accident. So by law if you have children in a car seat and you are in an accident, you have to replace that car seat. I was told by one of their reps to purchase my car seat and email him the picts of the old car seat and the receipt of the new car seat. It has been over a month and I have yet to receive my reimbursement. I call and leave messages over and over again almost everyday and I continue to get the voicemail of this representative that is suppose to be helping me in this claim. He never calls back and quite frankly I think it’s sad. This is the worst insurance company with the worst customer service. Do not waste your time on purchasing their insurance. They may be affordable, but it’s not worth it.
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Rip off temporary inssurance
I kept calling to inquire about the depth of this insurance. Link to connect to drs, not valid. Numerous deceptive phone calls to company. Agent that wrote it, I Allianze and company totally misrepresents this insurance. STAY AWAy FROM NATIONAL GENERAL
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Do not use this company
This is a terrible auto insurance company! Insurance adjuster took 3 days to look at my car after an accident and over a week to get me a rental. They are slow doing business and do not care about people. They just want your money until an accident happens. STAY AWAY FROM THEM!
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Do not use this company
This is a good company, I really like kim. Would I leave the company for a cheaper policy with the same coverage, yes, but only because I’m on a fixed income and need to keep my monthly bills as low as possible
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Pretty bad
They kept going up up on our insurance with Absolutely no warning. and they charged us over 100 monthly. We had them for over 4 yrs and never filed a claim. We felt like they ripped us off when we canceled. We found insurance for half the price.
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Awful
I was being charged $290 a month for insurance through them so I decided to shop around. I found insurance for $180 a month else where. When I tried to call to cancel no one picked up for hours so I sent an email. I got a cancellation bill for $160 in the mail, but on my policy it says the cancellation fee is $50. WTF. Impossible to get a hold of and they charge you more than they say they will.
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Very shady.
I have paid for 6 month auto insurance, and was tolled my insurance was canceled 3 month ego with out proper notice and refund. The sad part is I realized that I am not covered when I called to place a claim.
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Dissatisfied
Claim filed in March still not paid and very hard to get in touch with anyone to find out where we are on my claim. Very disappointed with the way the claim is being handled
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Stay away of National General!
My wife & I were planning an RV trip last March. I went to my file to get my RV policy & couldn’t find a current policy. I went on-line only to discover my insurance had been cancelled in August of 2012!
Why? Lack of payment. Had I paid? No. Was I contacted in advance advising me my policy was coming due? No. Was I notified that due to lack of payment my policy would be cancelled? No. Was I notified that my insurance had been cancelled? No. I had no insurance on my new 5th wheel trailer for 8 Months. I was never notified until around September 1st, 2013 from a collection
agency. Only then did I learn that GMAC had sent the claim to a collection agency. In talking to GMAC, I learned that Az. law requires insurance companies to cover the insured for an additional week. I was being billed almost $100 for a week’s worth of insurance. Some of the claim was for a late fee! Well, was I upset?Yes. I told the person from GMAC that I had never in my 50+ years paying insurance ever been treated so shabbily & refused to pay until my Insurance Agent in Az. was consulted.
Was I a rare case? Don’t know. Will I ever use them again? Absolutely not!
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$50 Cancelation Fee in Fine Print
Hidden somewhere in the fine print is their $50 cancelation fee, Thank you Good Sam Club RV insurance with NGI. Insurance rates unwarranted and theft by deception practices give all insurance companies a bad name. BUYER BEWARE!
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Worst insurance company in the U.S
When other reviewers say this is a Borderline criminal company” they were not kidding… I believe this company coined the phrase ” Bate and switch “
One star rating is still too much for this company.
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National General/Meritain
Their prices are hi, when trying to get a live person on the phone to get Insurance Coverage is the worse Ives seen in sixty years. I spent 30 minuets on the phone listen to music and has to be grilled by a person reviewing my policy, before I could ask for additional coverage the person hung up. It took me two hours to be screwed with for a simple request what a wast of time. Don’t get insurance with National General / Good Sam insurance. The person on the phone tried to trick me to have my payment taken out each month on my credit card with out asking me, and when I addressed the issue with her she became nasty.
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RIP OFF
got insurance through Good Sam Club. Canceled to go to another company. Hit me with a $64.00 cancel fee. Good Sam Club told me not to pay. Nat. Gen sent it for collection so I paid to get rid of them. Glad I never had a claim with them. Beware of doing business with national general.
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Worst
My camper had a electrical surge i lost alot of appliances and the ceiling had a burn spot from a surge protector. Like a$2500 claim. They would not cover the claim. They made excuses. The company is one of the worst insurance company’s around do your home work. BUYER BEWARE!
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Worst
Just bought a new car. Card was given to me by dealership. 8 days into policy my car was vandalized while it was parked at my job. No cameras in employee parking lot. Even though police who wrote report confirmed it has happened to other employees there they called me a liar, my claim false, and refused to help me pay for it. They were very rude. Manager included. Even though I have full coverage i’m stuck paying a $1,400 repair bill for something I didn’t do and should be covered. Worse experience of my life.
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No Accident Forgiveness
Insurance premium is too high. They kept the pro rated refund amount after I canceled , then charged me an extra $22.80 for which I was given multiple vague responses by two employees as to why I was being charged. One employee got defensive and rude after I called her out on what is clearly a rip off.
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Poor customer service in claims/ripoff
I was in an accident on snoquiame pass 11/3. Hit a freak snow storm / ice car in front loss control,we tried to avoid the car when we hit ice (on bridge) loss control of vehicles smashed in to cement barrier on the left side of freeway. We then bounced back hit tell in of cube truck( lift gate), then we than swung back to the left in line 3 facing wrong direction when we see truck moving at a good speed in line 4 , then they switch to lane 3. All I see is a big truck. Ford raptor coming at me , he then hit my fronted driver side flips around twice ended up slamming into the right cement barrier. When we came to rest in lanes 1 and 2 sideways. Ok his the kicker I called these people in claims They do not send an adjuster to look at my vehicle they just figure by the police report it had to be totaled. They don’t return calls . Know the driver of the truck is claiming rearend damage and the frames is bent and it looks like a key it going to be approximately 20000.00 damage to this truck. I tell my insurance that I did not hit him in the rear that we were nose to nose. No one was given a ticket, there was a total of 12 spin outs at the same time. Ok it now March 12 ,2018 and no one has ever returned my call from claims. And they canceled my insurance
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Poor Service
The policy we had with them was too pricy. I only went with them because I was working for USPS an they were the only company that would insure my vehicle while delivering mail. When I got a company truck, I switched to a cheaper insurance company. Our new agent said to let our national general insurance just run out. National general then claimed that they covered us for 14 days into the month after we stopped paying and billed us for half a month. When we refused to pay they hired a collection agency to come after the money. We pleaded our case with the collection agency, but they didn’t seem to care. Now we either have to pay for coverage we didn’t ask for, or take a hit to our credit. Crooked insurance agency. Do not go with them, there are way better options out there.
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1 star is too much!
I had a car accident and nobody returns phone calls or emails. They are quick to collect payment but when something happens to you. You are sh!t out of luck!
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Refused to cover legit claim!!
We hit a large bird with our motorhome. Although we checked for damage at the time (none apparent), the bird cracked the seal around the windshield. All of the wood rotted under the dash and firewall between the engine and coach. The water never came inside the motorhome, however, so we had no idea that it was leaking and incurring water damage. $5900 later National General informed us that they would not cover the damage because we did not date and document the bird encounter, I have never dated and documented a bird hit in my life!!! That would be like documenting when a butterfly is hit. Anyone on the road near dairy country knows that there are large birds. Apparently National General does not believe in road hazards. One representative even made the comment that deer are only on farms!!! Do NOT use this insurance company! They are more expensive than others and do not pay legitimate claims!!
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poor customer service what's the point of filling!
My camper had a electrical surge i lost alot of appliances and the ceiling had a burn spot from a surge protector. Like a$2500 claim. They would not cover the claim. They made excuses. The company is one of the worst insurance company’s around do your home work. BUYER BEWARE!
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JUST LIKE HAVING NO INSURANCE
We are having to sue our insurance company for hail damage to our RV. They wouldn’t even look at it. The automatic response is no…long term damage. This is for a 2 year old RV. We got National General Insurance through Good Sam. We have had to cancel several trips due to having to wait for the legal process. There are plenty of better choices.
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Got a claim and they refused to pay .
Had accident and wasn’t my fault but according to police report no evidence who’s fault and according to that they refused to pay. They are horrible company. Horrible customer service.
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beware on medical insurance
We got a 1 month medical insurance policy because our insurance at the end of the year changed and my husband was going on Medicare (turning 65) in Feb. The companies web site was not functioning correctly and it made our insurance from Dec 15-Jan 15. We needed it from Jan 1- Jan 31. They would not correct THEIR mistake. Beware also that they will continue to charge you a $15.00 charge monthly even though you do not have insurance.
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CHEAP but HORRIBLE
starNational General Insurance deserves a 0 Star rating! BEWARE of THIS INSURANCE COMPANY. Recently my son was involved in an auto accident that was 100% the fault of the other driver. The other driver was texting and driving and slammed into him causing him to hit the car in front of him because they were both stopped. Our son told the insurance adjuster he was staying with his grandparents in Oregon at the time of the accident. Because of this detail, they are trying to get out of offering us any assistance. It will cost them nothing because ultimately the other driver is at fault, however, they have spent the last three weeks trying to get out of helping us with this claim at all and are telling us it’s because the car was Garaged” somewhere else. We have paid them thousands of dollars and NEVER EVER filed a claim. The first time we need their assistance, they cancel our policy and don’t want to help us settle with the driver’s insurance company. I can’t warn you enough to stay away from these guys. The way they have treated us…it’s hard to believe they’d treat a victim of an accident that had injuries this way. SHAME ON THEM!”
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Best Company I've ever had
My wife was hit and taken out of the way by another vehicle, I am today May 9 two months exact waiting for the full payment of my vehicle, it took 3 weeks to receive the estimate of repair or total lost by a company named MITCHELL INC. which is not saying that is being investigated for fraud by giving estimates of vehicles like mine, since they valued it with similar vehicles not equal and in the end its price was even half of what they cost in CRAIGLIST !!! The lack of professionalism of the adjusters is the worst, even my number was blocked when calling to ask about the status of my claim, for almost 3 years I never had problems, pay punctually and as a client I get paid in the worst way! not resolving my claim with professionalism and HONESTY, there are many complaints and little space, one of them is that they were charging me for damages in my vehicle caused by the accident $ 347.67 per condition? I deducted money for not having supposedly left the key $ 250.00 but the key stayed in the vehicle, still ask how they knew the miles, the odometer is digital, you need to enter the key and turn it to see the miles, my policy had two Vehicles, one is from this accident, they declined to remove it from my policy and I had to pay the next 9 months for it, even though I no longer had my car! getting a MOCKERY from the adjuster, laughing and telling me not to expect them to discount the payment for the damaged vehicle, today I am trying to cancel my policy and I find that I have to pay about $ 300 OR OVER to cancel it! Stay away from National General Insurance, as a client I feel cheated, robbed and humiliated.
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Horrible Customer Service Ever!!!!
Pray you are not in an accident with a driver that has this insurance. I was in an accident caused by someone that had NGIC insurance. The police accident report stated the NGIC insured was responsible for the accident and I had no contributing action. Multiple witnesses were on record stating their insured ran a red light. They forced the accident to go to arbitration, even after their driver pleaded guilty to running the red light. I filed a complaint with the insurance commissioner and one of their managers responded with a letter full of half-truths and stories. My car was not drivable after the accident, so I had it repaired under my policy and paid my deductible. After the arbitrator found their insured 100% responsible for the accident, my insurance company immediately refunded my deductible. NGIC did not respond to pay my out-of-pocket costs even though I had filed the claim with them months before. I had to file with them again and again for payment of my car rental and diminished value. The process took 9 months and many unnecessary letters. Stay away from this shady company as I doubt they treat their insured any better than they treated me.
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WORST EXPERIENCE EVER.. WE WILL NOT RENEW
My car was subpost to be fixed my back bumper and my front bumper they started refusing to fix my car once it was in the shop and not to fix parts of my car that was in the claim. Why should my insurance go up of they didn’t fix my car that I made a claim for!
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Horrible service
horrible service, will never use them again, people in Cleveland office are very unprofessional and rude. stick to a local agent
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TERRIBLE CLAIMS
Representative said my wife’s procedure was covered so we had it done. Now they refuse to pay after we checked 3 different times to see if it was covered. Now stuck with $1000.00 in bills!
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Worst insurance ever
AVOID THEM, GO WITH YOUR OWN AUTO COMPANY, DO YOUR RESEARCH. Purchased through Camping World/Good Sam Club when purchasing a new trailer. Should have put under our auto insurance. Filed claim for hail/ water damage to our trailer in Nisswa, MN 6/19/2016 (all in news) under Nisswa,MN 6/19/2016 storm. Denied, told storm never occured, we must have done the damage through maintenance neglect. Our truck sustained $5k plus hail damage (Insured Hartford,quickly fixed) supporting our storm defense. Did not matter to NGI. Should have checked there ratings, but trusted Good Sam. Pulling up Good Sam website. People who purchased as I did gave them 1/2 star. Same as us claims denied. What do these people do with our premiums? I have turned over to BBB. Will pursue every avenue possible to take them on. After a few frustrating phone calls, last message was we can at our cost strip the trailer down and they would come and trace the water damage lines. A person pays their premiums in good faith. Why do we puchase insurance? To protect our property. NCI is only interested in making money, not paying legitimate claims to honest people who put their trust in this greedy company.
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Rude and unhelpful
The moat horrible insurance company I have ever been with in my 40 years of buying insurance. Agent asked that I bring in my old policy in which I did. He copied all info. Had me sign the papers. Neglected to disclose that he did not include my daughter ( so he could give me a low quote ) 6 months later my daughter has a accident, THESE JERKS REFUSE TO PAY CITING SHE WAS NOT ON THE POLICY. SHE DOESN’T even live with us. They had no intention of covering us. DO NOT USE THIS COMPANY. THEY WILL SCREW YOU! !!!!
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Horrible
I was told I needed to insure my RV immediately (at Camping World) and they passed me a phone and offered to start my coverage asap. They set me up on a 1 year plan.
I decided to shop their cost against State Farm. National General was 6 times more expensive. SIX TIMES!!! I called to cancel the insurance and lo and behold, the cost to cancel the insurance plan cost me the same as two years of coverage from State Farm!!! Then they proceeded to threaten sending my account to collections if I didn’t pay their ransom.
STAY AWAY! STAY FAR FAR AWAY! RIP OFF!!!
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Stay far away
They forgot to send me the application form, then they cancelled me for not signing that form they forgot!!! Charged my checking account twice for one month. After that I changed my checking account number because I DO NOT trust them. Changed the monthly rate 4-5 times for no reason, without notifing me of why the increase, and to see if I would accept the increase. I would NEVER ever trust them with anything! Stay clear of them crooks! There billing department is crooked!!
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They SUCK.
Thats right, this insurance is cheap, So you might be happy when you first joined, I have had this insurance for two years. HORRIBLE experience started two month ago. Comprehensive claim happened two month ago. Kim was the person who was holding my case but before I receive the check, she no longer working there anymore WHAT!!?? It has been now two months after the incident that I have not received the check yet. They sent the check to the wrong address which Kim said the check was going to me but the check was mailed out to the wrong body shop HOW COME!!? Please tell me what I can do to get the check, the check doesn’t belong to me. It belongs to the body shop. DON’T GO CHEAP IT’S HORRIBLE
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BEWARE HORRIBLE COMPANY
So, my son got into an accident with my vehicle. I was not aware that my son was not on my policy until that day. Well, I found out because the other driver found a claim, and I received a call from Sarah H. Well, this is when my nightmare began. This woman was so mean and unempathetic. I did not get a warm greeting. I felt the need to tell Sarah that I also work in customer service and I am just a receptionist, but I represent the school, I work for. Well, she remained silent, after she told me, that she allowed me to speak, so give her the same courtesy. I understand how she felt, because, I was trying to connect with her, but, we hit a wall. I am so dissatisfied with her treatment. However, nothing compares to when a person is choosing to spend their money with you that you treat them like to you ar doing the customer a favor. I am appalled. I cannot wait until my term is up and find another. It a shame that these big companies don’t train on customer service. They would be more prosperous. Also, I thought that the car was insured?
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EXPENSIVE!!!! RIP OFF!!!!!!
I was looking for cheaper rates and went with them after reviewing several premiums. They were ok in the beginning. It seemed like most companies, they take the premium for the insurance and leave you be. They took the amount they said they would so no complaint here UNTIL 1 month after my second policy renewal with them, I got side swiped in a construction zone and the other driver claimed it wasn’t their fault. Both vehicles were needing repairs and mine was the worst. Now it just got ugly. They sent me a check for the amount they think” it should cost ($955) minus deductible of $500 for a total of $1,455. I clearly had a statement from the repair company stating that it was more. So then we get the repairs and after fighting about it for several weeks they give me another check for $897. Repairs done, ok. So I start looking for another company cause I’m actually not a fan anymore after paying so much a month and then having to beg for the payment for what they are suppose to pay. Thats what I pay for each month, I’m suppose to be able to know that if I get in an accident then it’s covered (FULLY COVERED=FULL COVERAGE) anyways, they’re a joke. I asked to cancel the policy and they want to charge cancellation fees out the rear end. Who should have to pay $50 to cancel a policy when the next bill is not due for 15 days. Seriously, bad service if you ask me. I haven’t had another company charge me when I’m cancelling early, yet on time. Anyways, do yourself a favor and avoid them altogether. The service is all around poor. Poor if you need to cancel, reach anyone in a timely fashion, or heaven forbid you get into an accident and rely on them to do what they are suppose to do. “
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Horrible
Tried everything to wear me down and their check also bounced costing me $12 that they haven’t refunded. The ultimate worst.
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Refused to accept claim. Rude customer service.
Insured with National General (formally GMAC) for 12 years. No claims ever until last month. Had minor incident with our truck vs pole. No other vehicles involved, no injuries and no ticket. Blind spot incident. Claim process was easy. We received a check within 10 days for $1,080.00 to have repairs done. Just received our renewal notice our policy was jacked up by over $600.00 annually. Shopping for another policy but this minor incident has been reported and we cannot get a better rate as this has ruined our perfect record. Charged 3 points. Would have never reported this, could have paid to have it fixed overall for what it will be costing us for increased premiums for the next 3 years. Buyer beware!
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POOR SERVICE
This company is an absolute joke. after sending some company to look at my house they told me i needed a new roof. Well i have been in construction for 50 years and i know when you need a roof and even had another contractor look and send a report and no good the losers are cancelling me.DO NOT USE them they are HORRIBLE .
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Poor service
Being a GM employee I made the mistake of going with the company’s auto insurance. Big mistake. They were slow to process my claim (which wasn’t my fault). They did not pay for parts they considered too old even though I had just replaced those very parts. The service rep was unprofessional.
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Horrible customer service
I wouldn’t even give national general one star. The customer service is terrible. My policy was paid in full and wasn’t up for renewal until August 19,16. I called August 2,2016 and cancelled my insurance due to selling the car. I asked the agent if I would be charged anything to cancel and he assured me that I wouldn’t since my policy was paid in full. The following Friday i received a bill for $33.00 I immedently called and the agent told me I was charged for a $50.00 cancellation fee and they deducted $17.00 in over payment which brought the total to $33.00. The agent said they would have to pull the prior call and return my call. I never received a call so I called back and another agent told me I was going to be charged $50.00 regardless to what the prior rep stated.
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JIK
This is the worst company I ever did business with! They are now folded into National General. Filing a claim has been a nightmare, with absolutely an unreasonable offer and no negotiating whatsoever.
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PACKAGE WITH CAR
CAR AND HOUSEHOLD INSURANCE GREAT
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PACKAGE WITH CAR
CAR AND HOUSEHOLD INSURANCE GREAT
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horrible
this is the worst insurance I ever had. I authorized them to take my payments out of my account and they decided to take out double what I was supposed to pay. I got a new car and they raised me a lot. I decided to look for cheaper insurance and geico was $100 cheaper a month so I cancelled my insurance with gmac and now they r trying to charge me for cancelling..really??? this insurance company is all about money and screwing their clients..people are better off staying away from this company they are rip offs and a thief.
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Horrible Customer Service
My daughters car was damaged in the Hurricane we just had and they have kept us in the dark of what was going on with the process. We have called and still nothing. We called today and they told us they would not accept the claim. That is why you pay insurance in case their is a claim. The car was damaged by wind and rain in the Hurricane, we didn’t know about it because it is my daughters car and she was away at her boyfriends. When she came home is when we found out their was damage from the storm. It was 2 weeks later. As soon as I found out about the damage I turned it in. They are claiming it was not direct and accidental. A hurricane is direct and accidental. I am not laying down I am fighting them. I have already lodged a complaint with the DOI. The practices they are doing is 100% illegal and they should be turned in and investigated for their illegal and immoral practices. You want something done about this company start turning them in to the DOI. I know my rights as a consumer and how shady this company is being.
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Fire brush
After being with this company they decided our zip code was in a fire brush area and cxld our policy
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GMAC Since 1986
I have had GMAC coverage thru the Good Sam RV club for many years and have mostly been happy with them, except they (and their subsidiary Homesite”) are no longer providing homeowner coverage in FL. I would be happy to renew if they stayed.
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Sucks
Not worth the paper it was written on!!!! Claims was slow and inept. Did not return phone calls promptly or at all.
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Confused about Non-Renewal
I’m confused why after 7 years and a recent claim why they will not renew now – 02/06/13.
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gmac insurance
WAS VERY SATIFIED WITH GMAC. THEY ARE NO LONGER INSURING HOMES IN FL. HAD ONE CLAIM AD THEY TOOK CARE OF IT POWER SURGE ON AC
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GMAC IS NO LONGER WRITING POLICIES IN FLORIDA
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GMAC IS NO LONGER DOING BUSINESS IN FL. AS HOMEOWNERS INSURANCE. HAVE BEEN VERY SATIFIED WITH GMAC
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GMAC Good Sam
We have insurede with GMAC through Good Sam for our RV and auto and have been pretty satisfied with them. We have basic liability on car and RV + contents.
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reason for seeking new insurer
will no longer insure in FL
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Underwriter doesn't provide insurance in FL
They have changed underwriters and offering others, but I would like to find my own.
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This is a good company
This insurance is horrible when I purchase the package I was told I was purchasing a PPO for hospitals and doctor office visits, pharmacy, dental, and vision. When I attempted to use this insurance I was informed that all I had was the PPO for medical and hospital there was no coverage for dental vision or pharmacy I was informed that I needed to go online to a free discount phamacy like good RX which is free for my medications, and that they never sold me the package that I was told and confirmed 3 times. I have paid to nation general $2400 for coverage for the last 5 months. They have paid nothing for
any invoices sent into them for pharmacy for medical visit and labs nothing has been paid, nor removed from my deductible I will be talking to an attorney over this issue. before you consider buying national general run as fast as you can…
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good
Never had a problem, payment through escrow was easy, not sure why we they are leaving Florida. Hope to get some insurance at an affordable cost without delay.
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Cancelled
GMAC notified me that Homesite Insurance would no longer offer policies in Florida, so I was forced to obtain other coverage.
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Great value foe little cost!
Gmac so far been a great insuance company. It is difficult to find a company with these rates and coverage in my area.
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