Insurance Headache - RV-Dreams Community Forum

SnowGypsy · RV-Dreams Family Member

Insurance Headache

Clay L · RV-Dreams Family Member

We got an email a while back announcing the change in ownership and saying that we would be getting an email with more info.
After reading this thread I realized we haven't received anything from them. Our renewal will be due in Sept.
My wife called our broker who said the policy notices should be going out today and we should be getting another email soon.
It appears that our bank transfer (electronic) still goes to the same place.

-- Edited by Clay L on Saturday 10th of August 2013 01:54:02 PM

SnowGypsy · RV-Dreams Family Member

I got a call from a customer service rep saying that my husband agreed to the switch to paperless and that they have it on tape. He had to call last spring because he could not get into the website to pay the bill. We were getting a paper bill and paying it online. He thought all he agreed to was access to paying the bill online. They said it was followed up with an email confirmation which I never saw and my husband never, ever cleans out the email box. Never. So, if we were paperless, we still didn't receive the bill online and they didn't answer my email asking where the bill was. I did learn today that they have new software and that our policy number changed. You got to wonder why the policy number would change if the only thing that changed was the name.

Several years ago, I got tired of all the junk mail associated with Good Sam membership so I opted out. Well, it ends up that our membership lapsed because we were not sent a renewal. If you wanted a renewal notice, you couldn't opt out of the junk mail.

Edit: I called them about a coverage that had appeared (required by law here now I found out) and they had not changed our email address. She actually had the new one from last month when my husband called to pay the bill but no one had put it into the system to be changed yet.

-- Edited by SnowGypsy on Thursday 8th of August 2013 12:50:57 PM

Hina · RV-Dreams Family Member

I got the email about the change to National General, not sure about the paperless. I wanted to go on auto-payment, and they're like, "fax us this, fax us that" and I'm like, really, do you think full time RVer's are driving around with fax machines? I got it squared away, but really, an insurance company that specializes in fulltime RVer's expecting us to fax them stuff.

Jo And Craig · RV-Dreams Family Member

That's why I put things of this nature in my Outlook calendar. I remind myself... and they can keep their junk mail. I live by the philosophy that if you want something done right, do it yourself. End of story. The days of (1) someone else doing their job, and (2) doing it well are gone... lost forever. We are not RVing, yet, but I'm getting all my little ducks in a row! I've learned to look out for myself, because ain't no one else gonna!

SnowGypsy · RV-Dreams Family Member

Well, I would think someone wanting money from me would do a better job. I have just finally accepted that our adult son with DS will be at home with us until death do us part because the services provided are so poor that I don't have the heart to send him out with incompetent people providing poor service and I fought the battle and lost again on that. I started cutting my own hair years ago, cook from scratch, alter our clothing, treat our medical issues with homeopathy to include the dogs after one just had a bad reaction to an antibiotic. So, there really is a limit and I have to prioritize so Good Sam is probably going to get dumped over this.
We dumped Sprint and Yahoo last month and replaced them and that was a long time coming and glad to be rid of them. So, we are putting things in order. Perform or hit the curb!

Clay L · RV-Dreams Family Member

Update:
"It appears that our bank transfer (electronic) still goes to the same place."
Apparently that is not true. Lee had to use a new address she got from National General.

Terry and Jo · RV-Dreams Family Member

We got an unexpected surprise today. I had received a letter from Coachnet a few days ago, and because we received a "complimentary" membership when we bought our Mobile Suites, I figured they were trying to entice us to sign up with them again. Jo happened to look at it today and it said something about "membership material" on the outside of the envelope. (I seldom do more than read the return address to see who it is from.

Come to find out, because we recently went through Miller Insurance in Oregon and went with a policy from National Interstate (different company than National General), it appears that we also have a membership for their emergency roadside service along with our insurance. That just adds icing to the cake of having a policy that also has "full original price" replacement if anything happens to our Mobile Suites.

I'm happy......

......now, if we were just traveling to where the emergency roadside service would be a real benefit.

Terry

Dave Buck · RV-Dreams Family Member

Terry, Is that something extra that you sighed up for. I've have Nation Interstate insurance through Miller for two years and I pay for Coach-Net also.

Dave

PIEERE · RV-Dreams Family Member

I have GMAC insurance which is now National General. I have been well satisfied; maybe because I'm old school and pay by phone with my CC/DC. I have been treated well and respected in my conversations with whom ever answers the phone and they have been available 24/7 to answer any questions. A satisfied customer since 2000.
If I was being treated wrongly would drop them in a NY minute!!!

Terry and Jo · RV-Dreams Family Member

Dave Buck wrote:
Terry, Is that something extra that you sighed up for. I've have Nation Interstate insurance through Miller for two years and I pay for Coach-Net also.

Dave

Dave and Marge,

We had conversations via phone and e-mail over several days with Marlene at Miller Insurance. I don't recall her saying anything about "signing up" for Coach-Net, but who knows. I'd have to look over the paperwork again to see just what was listed when we made the purchase of the insurance. Jo was insistent that we get our coach covered with better insurance after we had the incident with the tree. Since we've had the Mobile Suites, it was insured under Farm Bureau insurance. Jo was always concerned with that because we were told that Farm Bureau wouldn't cover people's RV's if they were living in them full time.

Slight Change to the Neighborhood

Terry

Dave Buck · RV-Dreams Family Member

I may have to check with Marlene to see if I'm covered. I doubt they would refund what I've already paid.

SnowGypsy · RV-Dreams Family Member

It really is necessary to go over all paperwork with a fine tooth comb anymore. They make a lot of changes and rarely for the better although there are always a few "roses among the thorns", you just have to seek them out. I know that some are starting to realize that if they can't reduce costs that better customer service can win customers and keep them.

SnowGypsy · RV-Dreams Family Member

Be aware that Ex-Good Sam insurance, now National General Insurance, no longer issues insurance cards for trailers and that you need to run a copy of the declarations page from your policy and keep that in your trailer. I talked with customer service just a few minutes ago. I expressed that I thought for my $150.00 charge for 6 months for a pop-up trailer I should be entitled to a copy of a paper insurance card. They do record the calls so I wanted to make sure I expressed my displeasure. Time to shop around. The carrier for our home desperately wants to quote us on a policy for the vehicles and trailer, desperately.

Hina · RV-Dreams Family Member

Here's a little glitch this change of name is bringing up; I got the RV registered in Nevada, and although it was obvious I have been paying my insurance, the change of company name changed an ID number (kinda like a bank routing number) and the Nevada DMV computers couldn't identify my insurance company, from the paper I brought in (printed out pre-National General) So, I need to get that number, and get it to the Nevada DMV, or face a BIG fine for being uninsured (even though I am)