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Old 08-10-2012, 06:03 PM   #1
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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
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Old 08-10-2012, 06:07 PM   #2
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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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Old 08-10-2012, 06:10 PM   #3
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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.

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Old 08-10-2012, 06:17 PM   #4
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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.
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Old 08-10-2012, 06:38 PM   #5
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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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Old 08-10-2012, 06:41 PM   #6
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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).

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Old 08-10-2012, 06:43 PM   #7
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I went with Hartford seemed to be pretty good, have decent Road Servicewith the policy.
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Old 08-10-2012, 09:36 PM   #8
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I went with Hartford seemed to be pretty good, have decent Road Servicewith the policy.
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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Old 08-10-2012, 09:47 PM   #9
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Quote:
Originally Posted by Kathy_MD View Post
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)
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Old 08-10-2012, 10:07 PM   #10
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Quote:
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I went with Hartford seemed to be pretty good, have decent Road Service with the policy.
X2 Same here - good rates, good road service coverage.
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Old 08-10-2012, 11:23 PM   #11
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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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Old 08-11-2012, 06:46 AM   #12
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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.
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Old 08-11-2012, 07:12 AM   #13
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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
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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Old 08-11-2012, 07:26 AM   #14
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Quote:
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.
Also some Co's can't get rate increases and decide to leave that State.
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