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08-10-2012, 05:03 PM
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#1
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Member
Join Date: Sep 2008
Posts: 75
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Notice of Nonrenewal from American Modern Ins.
Received an interesting letter (registered BTW) from American Modern Insurance. It states they will not renew my policy when it expires. It goes on to state the reason:
"The reason for nonrenewable is our company (American Modern Insurance Group) recently decided to discontinue writing recreational vehicle business in the state of Maryland solely for business and economic reasons...."
FYI: I've never filed a claim or got a ticket.
Any body else with AMIG get something similar?
Just for kicks I went to their site and looked for RV coverage....pages are gone.
So, now I am insurance shopping again. Luckily I have until October.
Kathy
__________________
2008 Daybreak 3578 on a Ford F53 V10 228" WB 20.5K Lb Chassis
Four-Down towing a 2008 Ford Escape
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08-10-2012, 05:07 PM
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#2
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Community Administrator
Join Date: Aug 2009
Posts: 53,560
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It doesn't matter that you never had a claim ( but will when you shop another Co. ). It's not uncommon for a Co. to stop insuring a class of business. Don't take it personal.
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Cliff,Tallulah and Buddy ( 1999-2012 )
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08-10-2012, 05:10 PM
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#3
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Senior Member
National RV Owners Club
Join Date: Jun 2009
Posts: 2,618
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I have American Modern and have made a claim, but haven't received a letter yet. I'm in New Mexico but it's hard to imagine the state would matter.
Dick
__________________
1999 Tradewinds 7372 Cat 3126
Albuquerque, NM
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08-10-2012, 05:17 PM
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#4
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Senior Member
Newmar Owners Club
Join Date: Jul 2006
Location: Wellington, Florida
Posts: 13,599
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Hi Kathy_MD,
Consider contacting a motor coach insurance broker. Go to RV Advantage | FCIS Insurance - RV Insurance, Motor Home Insurance, Travel Trailer Insurance and see if you want to contact them. My coaches have been insured with one of their companies for years.
__________________
Gary
2005 Newmar KSDP 3910 + GMC ENVOY XUV 37K lbs Moving Down The Road
The Avatar Is Many Times Around The USA
Nobody Knows Your Coach Like Somebody Who Owns One Just Like Yours
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08-10-2012, 05:38 PM
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#5
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Administrator in Memoriam
Newmar Owners Club Retired Fire Service RVer's Spartan Chassis
Join Date: May 2000
Location: Newark, DE
Posts: 25,898
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Another vote for RV Advantage that Gary recommends above.
They are brokers and write for several companies. I found them quite easy and pleasant to deal with and they found me the lowest price for the best coverage.
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Adios, Dirk - '84 Real Lite Truck Camper, '86 Wilderness Cimarron TT, previously 4 years as a fulltimer in a '07 DSDP
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08-10-2012, 05:41 PM
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#6
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Member
Join Date: Sep 2008
Posts: 75
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Thanks Gary.
I have USAA for everything (Home, Auto, Motorcycle), but they don't cover Motorhomes. They (USAA) sent me to Progressive and they gave me a quote of $450 a year. Still shopping and thanks for the link to RV Advantage (I filled out the on-line forms and await their response).
Kathy
__________________
2008 Daybreak 3578 on a Ford F53 V10 228" WB 20.5K Lb Chassis
Four-Down towing a 2008 Ford Escape
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08-10-2012, 05:43 PM
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#7
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Senior Member
Fleetwood Owners Club Ford Super Duty Owner
Join Date: Jun 2012
Location: Port Charlotte Florida
Posts: 2,721
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I went with Hartford seemed to be pretty good, have decent Road Servicewith the policy.
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08-10-2012, 08:36 PM
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#8
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Senior Member
Join Date: May 2012
Posts: 2,792
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Quote:
Originally Posted by Brockx
I went with Hartford seemed to be pretty good, have decent Road Servicewith the policy.
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Same here. Haven't had to make a claim or use the roadside (thankfully), so don't know how good they'll be, but feel their price is good.
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Gene, Gayle, & Oliver
2006 Holiday Rambler Endeavor 40 PDQ/2012 Honda CRV
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08-10-2012, 08:47 PM
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#9
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Senior Member
Join Date: Jun 2011
Location: Phx, Arid~zona
Posts: 11,106
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Quote:
Originally Posted by Kathy_MD
Thanks Gary.
I have USAA for everything (Home, Auto, Motorcycle), but they don't cover Motorhomes. They (USAA) sent me to Progressive and they gave me a quote of $450 a year. Still shopping and thanks for the link to RV Advantage (I filled out the on-line forms and await their response)
Kathy
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Get it. I'm paying $713 a year with Allstate and I have everything else on it. Home, and two trucks.
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08-10-2012, 09:07 PM
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#10
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Senior Member
Fleetwood Owners Club
Join Date: May 2011
Location: Southwest
Posts: 1,549
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Quote:
Originally Posted by Brockx
I went with Hartford seemed to be pretty good, have decent Road Service with the policy.
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X2 Same here - good rates, good road service coverage.
__________________
Joe and Debbie, Emma the Aussie Cattle Dog who adopted us
2012 Discovery 36J, Blue Ox and Air Force One, 2010 GMC Acadia Toad
USAF (Ret) WDØM https://wd0m.com
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08-10-2012, 10:23 PM
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#11
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Senior Member
Country Coach Owners Club
Join Date: Dec 2010
Posts: 7,803
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Don't wait until your policy expires to find new insurance. One of the questions from a new company will be: Have you been denied insurance of have you been refused renewal"? If you answer yes, then you will be assessed at a higher rate.
Start now and find a new policy before yours expires, get it in place and then cancel the current policy before the expiration date. This way you are not lying and the rate will be better.
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08-11-2012, 05:46 AM
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#12
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Senior Member
Newmar Owners Club Freightliner Owners Club
Join Date: Mar 2012
Location: Weston, Fl.
Posts: 916
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Ditto on getting a policy with another company now. Cancel the other when insured. That quote from Progressive was reasonable. Here in Florida, that quote would be double.
__________________
2003 Newmar Kountry Star 3905, Freightliner XC chassis with CAT 330. Winnie the black lab, pretty Airbus captain wife, retired airline pilot with 11 grandkids. UH-1 pilot (Huey) U.S. Army 1967-1983. RVN 68-69. Northern Idaho my summer home.
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08-11-2012, 06:12 AM
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#13
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Senior Member
Join Date: May 2005
Location: Full-timers - Home is where we park it.
Posts: 4,722
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Quote:
Originally Posted by Theberrys
I have American Modern and have made a claim, but haven't received a letter yet. I'm in New Mexico but it's hard to imagine the state would matter.
Dick
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The state does matter a great deal. Cost of claims can vary greatly from state to state due to state regulations, driving records, and other factors. For example, there are many more claims per capita in highly populated states and fewer claims in more rural states (like New Mexico where you live). Some companies feel they can not compete under certain circumstances, so they stop writing policies for everyone in those states, not just for those who have had claims.
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08-11-2012, 06:26 AM
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#14
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Community Administrator
Join Date: Aug 2009
Posts: 53,560
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Quote:
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Originally Posted by paz
The state does matter a great deal. Cost of claims can vary greatly from state to state due to state regulations, driving records, and other factors. For example, there are many more claims per capita in highly populated states and fewer claims in more rural states (like New Mexico where you live). Some companies feel they can not compete under certain circumstances, so they stop writing policies for everyone in those states, not just for those who have had claims.
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Also some Co's can't get rate increases and decide to leave that State.
__________________
Cliff,Tallulah and Buddy ( 1999-2012 )
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