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Old 08-03-2014, 10:18 AM   #1
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Insurance Premium Doubled--Help!!!

I have my RV insured with National General. In january 2014 while in Charleston, I backed into a parked car and busted the drivers side headlight along with some superficial damage. Very little damage was done to my vehicle.
I called National General and reported the claim and they had the damaged car repaired. I had nothing done to my RV.
Two days ago I received my new insurance premium notice and it had gone up by more than double my previous rate. I called to verify and they said I had been assigned 5 points as a result of the accident and that was the reason.
This was the first accident my wife and I have had in many many years and I can't believe they are screwing me like this for a minor infraction!
Thought I would see if anyone else has experienced this problem and what you have done? Also, any suggestions on another carrier to contact? I am scared to death of National General at this point!!!!
thanks
john
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Old 08-03-2014, 10:28 AM   #2
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I've had great luck with The Hartford/AARP coverage. Reasonable rates. It pays to be "old"!
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Old 08-03-2014, 01:06 PM   #3
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My agent once told me the insurance company is only concerned with how much money you've cost them, hence your rate increase. I do know that some are more forgiving for a first infraction, but that is probably also reflected in their rates. They might be a tad more expensive than others but also don't jab you for everything that happens. We are with AARP/Hartford, but haven't had any claims, so can't give advice there. I'd just shop around with every company and see what happens. This accident will probably not work in your favor while shopping.
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Old 08-03-2014, 01:41 PM   #4
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I get the best rate with Progressive
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Old 08-03-2014, 01:47 PM   #5
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I have used this company for many years. Hi Sage Insurance - Your RV, Fifth Wheel, Travel Trailer, Motorcycle, Boat insurance specialists over 25 years. If I remember correctly they have sold me policies for four different insurance companies since 1987 or there abouts. Whe Progressive raised rates a few years ago they came up with a difference insurance policy that met or exceeded the Progressive policy and the same or slighly lower cost. Might be worth giving them a call.
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Old 08-03-2014, 01:58 PM   #6
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We had Good Sam, which, if I recall, is National General. Our annual premium increased by $300.00 after making a claim for windshield replacement on our Challenger. After looking into various companies, we went with Progressive and saved a bundle. No claims as yet, so we will see how that goes when the time comes.

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Old 08-03-2014, 02:00 PM   #7
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I sure wished that I could own a company whereby when unfortunate things happen which would cause me to lose money from my bottom-line, I can simply pass it onto the consumer by raising their rates.

Insurance companies, utility companies, oil companies, etc. are all guilty of doing that at the drop of a hat.

Your only solution is to shop for insurance EVERY year and don't take your old companies rates as being the very best.

Usually insurance companies will have introductory rates just to get you to sign up with them. Yearly rates are the best deal versus 6 months rates.

Having chargeable accidents and moving violations makes it tougher to find decent rates.

Dr4Film ----- Richard
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Old 08-03-2014, 02:37 PM   #8
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That happened to me with State Farm. Had State Farm for 38 years with no accidents. Someone tried to burglarize my MH and broke the back window. They never actually got into the MH. When my renewal came it was doubled. I never acknowledged getting the bill. I went out and got insurance with another company, actually National General, and told them my present rates. They beat that rate. When my State Farm became due they sent all these letters about dunning me etc. LOL. I finally called the agent and told him get a clue I am with someone else at a better rate.
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Old 08-05-2014, 10:14 AM   #9
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Went With USAA Good Riddance to National General

thanks to those who replied to my insurance problem.
After many, many phone calls I realized most of the major companies are in collusion with one another and once you have a ticket, accident, file a claim, etc., it gives them a "LICENSE TO STEAL OUR MONEY."
Got a tip from a forum member on the Born Free web site and called USAA.
I was familiar with them, but they used to only insure military officers; now, they also offer insurance, etc. to enlisted as well.
Called them up and they actually beat the rate I was paying on my cars before National General doubled my premium.
Since USAA doesn't insure RV's, they patched me through to progressive and they gave me the best quote, so went with them.
A lesson learned……..
DONT FILE A CLAIM IF YOU CAN PAY FOR THE DAMAGE OUT OF POCKET. SAVE THE INSURANCE FOR ANYTHING MAJOR.
good luck and thanks
john
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Old 08-05-2014, 12:14 PM   #10
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I have National Interstate. I have had 2 small claims in the last 5 yrs and have not received a premium increase. They are easy to work with and have a great claims dept. Plus they added Coach Net to my coverage for roadside assistance.
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Old 08-05-2014, 12:20 PM   #11
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Insurance = Legalized Extortion.
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Old 08-05-2014, 12:38 PM   #12
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Quote:
Originally Posted by born free 28 View Post
...This was the first accident my wife and I have had in many many years...
Insurance companies NEVER forget filed claims. If you've had more than 1 (& it sounds like you have from the above statement), even if it's been many many years, your rates will go up.

As others have stated, recourse is shopping around.

Lori-
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Old 08-05-2014, 09:17 PM   #13
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Obviously some are not familiar with how insurance works. The companies charge a premium and hopefully make a profit just to protect you from having to cope with a single catastrophic loss that could wipe you out. Can't have that sort of protection and expect to get it for nothing.
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Old 08-06-2014, 01:48 AM   #14
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Quote:
Originally Posted by Tony Lee View Post
Obviously some are not familiar with how insurance works. The companies charge a premium and hopefully make a profit just to protect you from having to cope with a single catastrophic loss that could wipe you out. Can't have that sort of protection and expect to get it for nothing.
We know insurance works. They readily take your money but really whine when you file a claim.
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