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National General Insurance Review & Complaints: Auto & Home Insurance

National General Insurance offers a variety of insurance products with a focus on auto and home insurance. You cannot get a National General insurance quote online, but you can submit National General insurance claims online through its website.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 11, 2020

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Formerly known as GMAC, National General Insurance is a big company with a long and somewhat unusual history. Following the 2013 name change, the company is no longer readily associated with General Motors but does, in fact, have a long history and continued connection with the major American car manufacturer. That makes them the only auto insurance company that was born out of the auto manufacturing industry – a unique background.

National General writes a variety of insurance products but their main focus is on auto insurance, which they write across the nation. They are one of the biggest and yet lesser known insurance companies in the market, with the name change making a definite impact on brand recognition.

In July of 2020, it was announced that Allstate would acquire National General Insurance in a $4 billion deal. The deal makes National General part of one of the biggest insurance companies in the U.S.

Read our National General car insurance review below, but first enter your ZIP code to get free quotes.

About National General Insurance

National General’s history traces back to the founding of Security Life and Trust Company in 1920. That company eventually changed names to Integon, and it became a popular choice in the non-standard auto market over the years.

While the actual National General name seems to be a new one to customers used to GMAC, it was one of the companies that combined to become GMAC itself. Originally founded as National Insurance Underwriters out of St. Louis, it was operating as National General when, along with Integon, it was acquired by General Motors in 1991. The combination of companies operated as GMAC Insurance for more than two decades.

GMAC also operated a financial services branch, and it was part of the major government bailout of financial companies that took place in 2008. They received two more bailouts over the following years, creating a great deal of controversy. Distancing itself from this, GMAC’s financial branch changed its name to Ally, while the insurance branch went back to an old name – National General Insurance. The two now operate separately.

National General Insurance writes mainly personal lines insurance, including auto and home insurance, as well as some commercial policies. Not all products are underwritten directly by National General, which is a common practice for large insurers, particularly with specialty policies.

National General Holdings, the holding company, does not quite make the Fortune 500, ranking at number 563 for 2018. The holding company has headquarters in New York City, but the underlying insurance company lists its headquarters in Winston-Salem, North Carolina.

Even though the GM name is gone from the company name, the connection remains. GM employees and even GM owners are still offered a discount on their insurance. Auto insurance is the company’s main focus, but they also have home and specialty policies as well. Commercial coverage is available for businesses, including commercial auto. Polices are sold online, over the phone, and through independent agents as well, putting National General in the market through multiple approaches.

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National General Products

National General focuses strongly on personal insurance, particularly auto insurance. Their products are comprehensive and customizable in an effort to stand out in a competitive industry.

Auto Insurance

In addition to all of the basics, you would expect from a big insurance company National General offers several added benefits and plenty of options.

SmartServices is the name given to the auto program’s extended benefits that are meant to provide coverage above and beyond the ordinary. This program offers, at no additional premium:

  • Lifetime guarantee on repairs through the preferred shop network
  • SmartInspect – post-repair independent inspection of the work
  • Claims satisfaction guarantee, with the deductible waived (up to $250) if the customer isn’t satisfied
  • $500 in emergency expenses allowance, such as food and lodging, when the insured is stranded by a covered claim
  • A $500 theft reward
  • Minor claims handled within 48 hours
  • SmartValet, which picks you up and brings a rental car to you, as well as returning your car to you and picking up the rental car after repairs
  • SmartReplacement car shopping services after a total loss

There are also a few options that can be added to enhance the coverage:

  • SmartAssist nationwide towing to the nearest repair facility
  • SmartDrive, which delivers up to a full-size rental car to you
  • Additional equipment coverage

Some of these services are fairly standard with most insurance companies, while others – such as delivery of a rental car – are unusual and are nice perks to have if a little gimmicky in terms of the value they offer.

Continuing the smart theme is the list of Smart Discounts, and this company does differentiate itself somewhat here.

There are plenty of affinity discounts for GM products, including for driving a GM vehicle, for having any other GMAC services, or – as mentioned above – for being a GM employee, or an employee of a company that works with GM. There is even a GM loyalty discount if all of the vehicles you insure are GM. Not surprisingly, this is in place to attract a specific market to National General and represents their GM connections.

In addition to the many GM-related discounts, National General offers some of the common discounts – good driver, multi-vehicle, and paid in full. They also have affinity discounts for many groups, but a list of these groups is offered. OnStar subscribers (also a GM product) can also get a discount and qualify for an additional discount for low mileage recorded through the system.

RV Insurance

National General also has an RV insurance program, which they present almost as strongly on the website as their auto insurance. They offer a program in which the RV can be insured along with a vehicle on a single-deductible policy.

The specialized RV coverage available from National General includes:

  • Optional full replacement coverage
  • Optional “in storage” coverage during winter months
  • Full replacement cost on personal belongings up to $3,000
  • Permanent attachments coverage
  • Optional full-timer coverage
  • Access to RV specialist claims adjusters

Most of the same coverage offered on the auto policy also applies to RV policies, including the waiver of deductible up to $250 if you are not satisfied with the claims process, emergency expenses coverage, and the $500 theft reward. Also included are the SmartValet, SmartReplacement, and SmartInspect services.

SmartAssist for RVs provides coverage for up to one hour of labor at the site of a breakdown as well as towing to the nearest repair facility with no limit on mileage or cost.

Home Insurance

National General’s home insurance program provides both homeowner’s insurance as well as renter’s insurance options. Coverage includes all of the basics you would expect – dwelling coverage, personal property, and liability – with some extras that National General adds on to make their policies stand out.

The homeowner’s program offers extended and guaranteed replacement cost coverage as well as up to $50,000 in “Green Upgrade” coverage to rebuild with sustainable and eco-friendly products after a loss.

Free basic identity theft protection is included with every policy. Add-ons include upgraded personal property protection and extended identity theft coverage.

National General writes policies for both detached homes as well as condos under their homeowner’s program.

The NatGen Premier program is designed specifically for high-value homes and offers more extensive coverage and highly customized options, including coverage for private art and other collections. This program has its own website and appears to be a separate branch of the company focused on high-income customers.

Business Insurance

National General writes package policies for small business and other commercial needs. These include options such as business property coverage, general and specialized liability, worker’s compensation, and more.

Commercial auto coverage is also offered as part of a package or as an independent policy.

Some business insurance is underwritten by partner companies, but National General underwrites their commercial auto directly. The website itself offers somewhat limited information on commercial auto, directing visitors to contact a representative for details. The business products are all listed in the “other products” section of the site, and clearly do not form a large part of the company’s business overall.

Other Products

National General partners with other companies to offer specialty coverage, such as motorcycle or collector car insurance. Classic and collector car coverage is underwritten by Hagerty, a well-known and established specialty car insurer that works with a wide variety of classics and collector vehicles.

They also provide assistance with obtaining health insurance and setting up group benefits (although National General health insurance isn’t sold directly). These are really just referral services that National General partners with in order to provide assistance to customers with obtaining all of the coverage they need.

Rates

National General does provide online quoting, but at the time of this review was unable to provide us with a quote online; no explanation for this was given. We tried several zip codes in several states but were given the same result, a message stating that online quoting was unavailable. The message also stated that a link to an un-affiliated quoting site would be provided, but we saw no such link.

Quotes can also be obtained over the phone, which appears to be the only option at the time of this review.

In previous rate tests, we have found National General’s auto rates to be slightly above average. We see no reason why this would have changed in recent years. National General is not the type of company that advertises based on the lowest rates, but instead focuses on offering extended benefits and services to create a more value-focused approach to insurance.

National General is likely to be much more affordable for those who qualify for a lot of their population-specific discounts. A GM employee, driving only GM vehicles, with multiple policies in place and an On-Star subscription as well is going to get a lot of the biggest discounts. That means people who fit that market are likely to find this company more affordable than someone with none of those qualifications.

It is worth noting that our past rate quotes with this company did not include affinity discounts, and they still came in not far above average.

National General Insurance Claims

National General insurance claims can be filed online, with a live chat option as well for assistance with getting everything entered correctly.

There is also a National General car insurance phone number that is toll-free and can be called to file a claim over the phone 24 hours a day, 7 days a week. That number is 800-325-1088.

As promised in the policy, National General completes processing on minor claims in as little as 48 hours. More complex claims will depend on the damage and repairs that are needed. The company offers drive-in appraisal facilities and will also assist with getting a non-drivable vehicle to that facility.

Also, as promised in the policy, customers can arrange to have a rental car delivered to their location and have their repaired car delivered when the work is done. The assumption here is that these items are available on full coverage policies, as a liability-only policy would not have rental car or collision coverage at all.

National General has a preferred repair shop network through which they will guarantee all of the work for as long as you are the owner of the vehicle. Customers are also welcome to select any repair shop of their choosing, even outside the network – but guarantees will not apply.

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Ratings and Consumer Reviews

National General has an A+ rating with the Better Business Bureau (BBB), with a total of 485 complaints on file in the past three years. This number is not a high volume of complaints for such a big company. 185 complaints were closed in the past 12 months.

The Consumer Affairs page for this company is focused on homeowner’s insurance, with a total of 38 reviews and an overall 4-star rating. There are a few negative reviews mixed in with overall positive comments.

Yelp shows an opposite picture, with 35 reviews resulting in less than two stars overall. These reviews are mixed between auto and home, but there is little in the negative reviews to raise any serious concerns. Overall, they are similar in nature to other insurance company complaints, and the volume on these sites is actually very low for a company of this size.

It is possible that some of the lack of complaints here is due to the name change, although that took place five years ago and should have long since stopped impacting National General Insurance reviews. The overall impression of this company is that they have a pretty solid reputation.

The National General insurance phone number for customer service can answer most questions quickly, including things like National General insurance cancellation fees.

The Bottom Line

National General has some good insurance products, particularly for auto insurance. They are likely to appeal mainly to those who qualify for the many General Motors-related discounts, but the program itself is a solid choice for any driver. There are some included benefits that, while a bit gimmicky, are nice touches and differentiate them from other companies.

There is nothing to raise red flags over in the way of reviews for this company, but it is frustrating to be unable to obtain any rate information online as this makes it hard to give a proper comparison of National General to its competitors. If the rates are competitive, this company could give some of the larger insurers a run for their money.

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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

140 Comments

  1. National General is the worse company I have worked with in my entire life.

    I had a death in my family and have tried to cancel their insurance policy.

    Its taken 2 days and about 15 attempts to get someone on the phone which had to be repeated twice because they placed me on hold and I was then cut off.

    They required a DPA to be sent to their service email and claimed it would take at least 72 hours to review.

    Then they refused to return any of my calls and emails. I give up.

    If they want to steal her money that bad then they can have it.

    Vengeance is mine says the Lord.

    Reply
  2. 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 no 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.

    Reply
  3. Fine way of explaining

    a good article to take data on the topic of my presentation topic, which I am going to convey
    in school.

    Reply
  4. I just got into an accident today with one of their Insured drivers, police cited him being at fault so will see what happens.

    I’m waiting on their Adjuster…but based on what I read so far in here looks like I’m in for a wild ride.

    Reply
    • My car was in an accident over 1 month ago, I am still waiting to get my car fixed,

      I call every day to see what is up with my car(full coverage)

      every call that I make to National General I get told “it”s under review”!

      one of the ladies in CLAIMS told me “we don”t know if we (national general) can afford it!

      meaning my car, National General will NOT even return your call.

      If they think for one minute that I will get discouraged and walk away ha!

      they are wrong I will fight them to the very end!!!!!!!!!!

      Oh and they have accepted 2 of my insurance payments last month and the month before that

      Reply
  5. These people are crooks! I was a victim of their client. Rather than pay the full claim they sent the quote 500 miles to an adjuster, Comsearch who never personally inspected the damage to my property.

    That adjuster 500 miles away decided that the damage to my driveway could be repaired for half the estimated price.

    I can’t find any contractor to touch the job because National General Insurance did not pay but half the amount required. They have informed me that this is the way it is. Do not trust these people.

    The hide information, make excuses and lie and never answer direct questions. They control the narrative and screw their victims.

    My nightmare was created by Angela Bauza in Claims at the Winston-Salem Office. Nat General used Comsearch, located in Rhode Island to determine the allowed cost to repair the damage in Reidsville, NC.

    Even Comsearch’s quote was a joke. They used plastic to replace terra cotta pipe. They decided that the replacement concrete did not need re-enforcement. The joke list goes on and on yet National General still says it is what it is.

    Stay away my friends. Stay far away!!!

    Reply
  6. DO NOT go with NATIONAL GENERAL home insurance. They will do everything possible to avoid paying your claim.

    Reply
  7. Had surgery on my shoulder. First National General said they would cover it. Then the day before surgery they said they wouldn’t cover it. I needed the surgery and went ahead with it hoping to sort it out afterward. They kept changing their story of why the couldn’t cover it. Pretty lame.

    Reply
  8. Horrible awful experience. I had to get homeowners insurance and add my apartments as an interested party. They told me two different times that I called that they had done it.
    It was only AFTER my broker contacted them that I found out they had lied about it. Now I’m having to switch to Progressive and even though I just paid via direct deposit and have to fork out more money for this new plan they’re only refunding me 60 out of the 160 AND they’re sending it via snail mail.
    That’s not even an accurate prorate. Not only did they lie and inconvenience me with this, but they also slap you in the face by not even giving half of it back.
    Crooks. Horrible service and I will always tell people not to get this insurance.

    Reply
  9. Bought this insurance for my new RV at the encouragement of Camping World in July. On a cross-country trip had a small accident in a small desert town in Arizona and immediately filed a claim. Next day had to run down a live human being only to be told I had to wait for an adjuster to contact me within 24 hrs of the claim. Had to finally get the adjuster’s name and the repair shop and myself had to leave voice mail messages and repeatedly call until we reached her. She then told us she had received everything but had to give it to someone else to review. End of the day now, she went home at 5:00pm (not 5:01) and now left hanging in the desert until at least Monday. Probably will have to run them down all over again. Not a large claim but the motorhome cannot move until repaired, and if it takes so many people to make a small decision they obviously have the wrong people. The total lack of concern is really sad when they obviously demand their payments quickly and then you seem dead to them! The “excuse” she gave was the hurricane which I would believe except for the fact everyone leaves work at 5:00pm and not putting in any extra work. Very sad experience.

    Reply
  10. This company is horrible. I had insurance through direct general and this company was handling my claim process. It has been an agonizing wait. They keep giving me different claims specialists, can’t send off paperwork off properly which is causing a delay due to there negligence, finally asked to speak to a manager only for [Redacted] to be rude and completely disregard my stress and frustration. I can not wait until I am done with this process and get a different insurance company. Its very sad how people spend their hard earn money and have to deal with things like this, especially at a stressful time.

    Reply
    • That was exactly what happened to me. Totally rude with no concern for my thoughts. Good Sam would be wise to remove their name from this company!

      Reply
      • Yes this is what I am going through currently the adjuster and her supervisor are extremely rude and condescending. I will never renew with the company again!

        Reply
  11. NATIONAL GENERAL INSURANCE: this is a horrible company. I have insurance with another carrier, I was hit by a driver who has NGI as their insurance company. The driver was found at fault and NGI claimed responsibility for the cost to fix my car. I was given a damage quote and they were to issue me a check for the damage. I was told 3 to 5 business days to receive it which is normal mail. 4 weeks later no check has ever come. I call to explain and get hung up on 3 times. Finally get to speak with a person and she says I should have gotten it. I asked if there was anyway to pick it up and she says not unless I want to drive to North Carolina. (I’m in Florida).when I asked what to do until it comes she said I could pay out of pocket and cash the check later. ( thank god I didn’t do that I still haven’t gotten my check) I also asked her to fix my last names spelling which was not done. Call my insurance company and they tell me to call them back and ask for a stop check. Which this woman never mentions. I call back and keep getting transferred to an adjusters voicemail, which says she will be out of town until June 6th and its Sept. I left many messages never got a callback. It took me many times of calling before I get to speak with a person who straight up told me if I don’t have my claim number she can’t do anything and hung up on me. Call back again and speak with a man who never asked me for my claim number. He finally issued a stop check and says to call back on Monday to make sure it went through. Call back on Monday and of course it was not done. Spoke with a person this morning and she said that they issued it 4 days ago. Why wouldn’t the guy I spoke with see that.? Hopefully it comes soon I’m thinking its been on someone’s desk for weeks…. Would really like to drive my car again. No organization or customer service skills. Very upsetting how much time I have wasted trying to get my car fixed.

    Reply
  12. Do Not, I repeat Do NOT waste your time or money with National General Accident and Health/ Time Insurance Co. It has been going on 10 months of pure [redacted] with them just to tell me if they are going to pay the claim or not…. I have never had such horrible experience with any other company nor have I had a company prolong a claim such as National General will do. Seriously, they should not be allowed to be in business!!!

    Reply
  13. If there ever is a class action lawsuit against this company I would like to join. [Redacted]

    Reply
    • Me too!!!! A commercial vehicle with 1500 miles on it was wrecked on 6/7/18 and Nat Gen has done NOTHING but procrastinate and apparently indeed to deny the claim, eventually, forcing me to sue. In the meantime, I’m going broke making the monthly payment and still paying for insurance. It is absurd that they are allowed to do this to customers.

      Reply
    • Oh you could count me in…. If ever I would be first in line! After hurricane Michael they sure don’t want to pay. Want to pay less on claim on my house than I pay yearly for coverage! Come on!

      Reply
  14. NATIONAL GENERAL INSURANCE CLAIM [Redacted]
    Correspondence:
    National General Insurance

    My car was hit 5/2018 while my 17 yr old was driving (his car is 2005 Nissan 350z) but it is in my name under my insurance). He was not found at fault, and National General only spoke to me to tell me I could get a rental in MAY, which I did. I never spoke to them again.
    Today when I find out I was charged for 1500.00 for rental, and call insurance I am told the adjuster contacted my minor son, about canceling my rental on June 7th but they just needed to be in touch with the body shop for supplements to extend time, never that they were canceling. They charged my card $1500. Today saying the body shop never responded to any supplements or extensions of time.
    I was paid $3100.00 to fix the car and gave it to the shop less the money for tires [Redacted] got.
    The problem is NO ONE ever contacted me, the insurance company only today tells me today that he could not get in touch with the shop. [Redacted] in [Redacted] is the shop that took over 2 months to FIX (not due to our FAULT). The adjuster was [Redacted] [Redacted] and [Redacted] [Redacted] as his supervisor, they both agreed no one called me, or spoke to me, neither ever let me know any of this, and when I called today no one has let me know how this will be corrected.
    I only found out today I was charged, by the rental place, [Redacted] in [Redacted] NC.

    Is there a way to dispute??

    Suzanne

    Reply
    • You need to file a complaint with the Department of Insurance / Insurance Commissioner and contact the attorney general. This company operates borderline illegally. Heard they fired a whole group of adjusters and claims people who refused to regularly [redacted] their customers over. The only way things will ever change is through complaints and lawsuits. They have been listed as the worst insurance company in America for several years but people continue to do business with them.

      Reply
    • File a complainant with the NC Department of Insurance. This can be easily done online on the NCDOI website or by mail. If people who have been cheated by this company do not speak up then we are sending National General a message that it is ok to treat consumers with total disrespect.

      Reply
  15. It was one year ago tomorrow that our RV slid into the mud after the shoulder collapsed beneath us. The state trooper told us that it was not uncommon in their area because of rain. So here we are ONE YEAR later with no conclusion…. it took them almost eleven months to decide it was totaled (although they immediately had pictures of the bent frame). And then more than a month to determine the value! We had to hire an attorney to have them explain how the value had dropped so considerably. After talking with our attorney, they finally agreed it should be higher. But here we sit, still waiting for the payment, weeks after the agreement. I have no use for National General. Then to add insult to injury, today we received a package with no note, no explanation. It is a screwdriver, with National General listed as the return address. All I can think is “screw you” is the message. These people should not be allowed to do business.

    Reply
    • We are also having issues. Our motorhome was in the hail storm back on March 19, 2018, that hit Cullman Alabama. National General values motorhome at 83,000. Just to have a roof put on as to replace will cost 43,000. Pictures were also sent next day after the storm. We still have not received a full estimate. The claims adjuster has set a preliminary estimate at 18,000 for all repairs. Now we have mold growing in inside as walls are full of water. Could you pass on the name of the lawyer? Because we are about to that point.

      Reply
  16. Sorry to say that we are now victims of National General like so many of you. When hit by another driver we filed our claim on his National General policy. Nothing but trouble since calling them. The adjuster and the other employees seem to have had a predetermined agenda to total our car which was driveable and fixable. On one letter from them, they listed our car’s location at a local dealership in a town 30 miles away and we nor our car had ever been there. This company, unfortunately, is giving us half the value of the car and to get that has been a constant struggle. I saw a rating of 2 out of 5 stars but a correct rating would be a negative 100 out of 5 stars. Ashamed that this company is in NC –we are not all like this group of liars, cheats, and rude people.

    Reply
    • I’m happy to say that I filed a complaint with the NC Insurance Commissioner / NC Department of Insurance and I have had positive luck. I have not fully achieved what’s due but getting there. The more we all file complaints the sooner National General will be forced to either clean up their act or be run out of NC. The adjuster that I have been dealing with stated she was leaving her job and wanted to close put my claim beforehand. In arguing with her about what crooks they all are she finally snapped back and said why do you think I’m leaving.

      Reply
      • Thanks Dave. You have given me hope. I am in the process of filing a complaint and you are correct. Anyone that has been cheated needs to make the Dept. of Insurance aware. Thanks for taking the time to respond.

        Reply
        • Can you provide the link to the site to file a claim?

          Reply
      • Is there a contact number to complain about NATIONAL GENERAL. I’m not a customer of National General but was rear-ended by there customer and their representative said due to the small amount of damage to my car they don’t believe I was injured and are not going pay my medical bills and hung up the phone on me when I disagreed with her.

        Reply
        • What State are you located in? I would call your state’s Department of Insurance / Insurance Commissioner and file a complaint. You may be able to do so online as I know in North Carolina you can. Just Google your state’s DOI. I would also file a complaint with the Attorney General for your state because they operate at criminal levels. They need to be shut down and their representatives prosecuted to the fullest extent of the law.

          Reply
        • Get a lawyer!!

          Reply
        • Anyone with a claim against them needs to contact their state insurance commissioner and file a complaint. Shut them down. Frauds

          Reply
    • If you live in NC file your National General complaints at the following link but if you live outside NC just do a google search for your state’s Department of Insurance / Insurance Commissioner and they should have an online help/complaint section. National General will continue [redacted] people until the right agency who allows them to operate hears about it. I can tell you from my experience, National General is scared, very scared of complaints to the Department of Insurance / Insurance Commissioners of the state they sell in. Here is the NC Link: http://www.ncdoi.com/Consumer/File_a_Complaint.aspx

      Reply
    • National General is HORRIBLE!! I went with them BECAUSE of Good Sam. I had their insurance on my 40′ motorhome for 4 years with zero claims. It is always parked at my home and I inspect it every other day or at least 3 times/week. I had a squirrel get into my Mhome from the top through the AC and destroy my ductwork and some electrical, all from the top. This HAD to happen, at most, over a 2 day period. They would not cover it, so I am out all the money, INCLUDING MY PREMIUMS!! When I first took the Mhome in for service the adviser asked who was the insurance with, I told her and her words were, “UH OH, you can forget them paying anything!!! They never pay. Good Sam has also lost me as a customer, and I will do my dangdest to tell anyone and everyone about this SHILL of a company!!!

      Reply
  17. National General operates at a borderline criminal level. They do not answer the phone or return phone calls at all. [Redacted] and her supervisor [Redacted] are two of the worst people I have ever (not) dealt with. I have left each of them 1 message per day and have not received a callback. They are responsible for TWO WEEKS of delays in the repair of my vehicle and have revoked my rental coverage because they made my repair shop order damaged junkyard parts. THIS IS THE WORST INSURANCE COMPANY EVER!!!

    Reply
    • I am having the exact same issues. The supervisor [Redacted] is the biggest [redacted[ I’ve ever dealt with professionally. How someone like that could have been promoted to that level is pure amazement. I’ve been a Company CEO and president, and a program director and I would have terminated someone who acted like he does towards customers immediately. His behavior is atrocious and extremely unprofessional. Initially, my claim was delayed due to the other company trying to investigate the claim. My adjuster initially gave a 30-day authorization. When it reached 20, Hertz needed it reauthorize for some reason and she stated she needed her supervisor’s authorization. She didn’t need it initially when she did 30 to begin with but after 20 she did. Made no sense, the supervisor immediately said no, would not negotiate at all and actually called hurts and reversed the authorizations I already had. He was rude and I cannot stress enough how unprofessional he was. I called the Department of Insurance in North Carolina and was told to file an online complaint with the Department of Insurance/insurance commissioner. Within 24 hours I received a call from an investigator who stated they had received my complaint and we’re moving forward with an investigation. Less than 48 hours later my adjuster called stating they were extending my rental another 10 days but still under 30 days but I pay for each month and not until the car was repaired. I argue the point and she stated she would ask her district manager. She mentioned the district managers have been reviewing all the tape conversations we have had. At no point, was I ever informed that all telephone conversations are recorded. However, I do have an app on my phone but record all my conversations and I’m happy to forward them all to the insurance commissioner. I brought up there claims guarantee that states if you are dissatisfied with the claim process, they will waive your deductible up to $250. She stated she had never heard of such a program but yet at the end of our conversation called it by its name “Guaranteed Claims Service Satisfaction”. That afternoon the [redacted] supervisor called me trying to clarify. I explained to him what their website says about the guarantee claim service satisfaction and state of it obviously I was dissatisfied. He said we’ve already made concessions to you with the rental car. Not sure how they had made concessions when I pay for 30 days of coverage with each policy renewal, their field adjuster/appraiser declared my vehicle and safe and undrivable, my vehicle repairs were not finished and it was still well under 30 days of rental coverage. Furthermore, he kept saying that he needed me to say but I fully understood what he was telling me and agreed. I guess he thought I was too stupid to know the line was recorded. I would highly recommend anyone having issues contact their Department of Insurance / Insurance Commissioner’s Office and file a formal complaint.

      Reply
  18. I absolutely do not know why the state of Alabama allows this company to write business in this state. I was hit by one of their “insureds” I called the company to report the claim and they told me the driver was not covered even though I did not know her name at the time. huh? How do they know that when they did not even know about the accident. Six weeks later they are still “investigating” the claim. Uh, I was sitting still and was hit by your insured. There was a police report and two witnesses. I am not sure what needs to be investigated other than your crappy fake company? Thanks for nothing and for Bad Faith.

    Reply
  19. Received a cut to my RV rubber roof due to a low tree limb with scratches to the front cap all verified by local RV repair shop, now the insurance company is denying the claim. The reason they are giving for denying the claim is that the wind driving down the road caused it. Guess they only take your premiums but fail to tell the customer they don’t pay claims. Last year I will deal with a fraudulent insurance company.

    Reply
  20. Have a claim for our new motorhome due to wind damage from a tree. They told us to pick the shop we wanted to go to. Now they won’t pay them the hourly rate that the big RV dealers get. Guess they figure since they are a smaller shop that they don’t need to pay them. So we are $1800 off what they want to pay plus another $1000 for our deductible. We are stuck with them….what a rip-off.

    Reply
  21. Worst company to deal with! I am not a policyholder with this company. I currently have a claim open due to my neighbor’s dog breaking through their fence and attacking my dog and injuring my husband. We have had to pay for everything out of our pocket. We have been told 3 times that they would email us the forms so we can be reimbursed. We continue to get no follow up.

    Reply
  22. I was rear-ended by a National General policyholder and dealing with National General was awful!
    [Redacted] was the adjuster handling my incident and she never returned my calls or emails. I had to call the general line every time I needed a response and escalate my issue and then would get a return call.
    I have no clue why anyone would insure with this company after seeing the MANY negative reviews on various sites.

    Reply
  23. I ran into National General through RV share and was told all rentals would be fully covered.
    After two months of renting out my RV a driver ran it off the road and now they only want to pay 1/3rd of the damage. I would stay away from this company or anything they insure.

    Reply
  24. They refused to prorate a refund of my monthly pre-payment after cancellation and attempted to charge me an additional $80.00 including a cancellation fee. I had multiple vehicles for over 11 years with zero claims! They said that November was paid, but no record of December, yet January they said was paid. I emailed records of every draft. Futile attempts to scam me. Stay on top of these people. Be diligent. Be aware.

    Reply
  25. This company was $150 more to start up and $20 more monthly than my current car insurance. It also didn’t have any perks, at all. Whereas I do have roadside service with current auto insurance. They are very sneaky and had it deducted autopay when I told them Not to do that. When they deducted it caused overdraft and the agent said to do a stop payment which I did. They never had any record of previous conversations via phone and email with me when I would refer back to them. They are saying I owe for coverage past the cancellation. They are sneaky and liars.

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  26. My family had health insurance through this company. They completely screwed us. I am going to make it known how much of a fraud this company is. My husband had an accident and they decided not to cover our medical bills claiming it was pre-existing. Unbelievable!

    Reply
  27. not a good insurance company.. my agent found it for me because cheaper…. signed up and i went to vacation for a month…. out of country travel

    they cancelling my premium now just because they couldnt reach me for home inspection. really…… what a joke…

    Reply
  28. Well, am a new driver, so I got into this company this year in October, but unfortunately for me in November I got involved in an accident. According to them It was my fault, so they covered the lady I collided with and asked that I fix my car myself as I do not have collision coverage, I have liability. Every thing was alright and all problems solved in less than a week. The lady’s car was fixed right away and I fixed my own Car. They were really fast and responsive. But the problem is, the company is very costly. Even for only liability, it’s very costly, talk more of adding other coverages. That’s a whole lot of money.

    Reply
  29. This is one of the worst insurance companies I have ever dealt with. I am now retired but I was an independent insurance agent for over 20 years and in all that time I never dealt with such an inferior company. We had a comprehensive claim earlier this year and we were given the run around-claims in Florida and adjuster in California so it was most difficult to get them to return calls and send a local adjuster to agree with the estimate given by the body shop. We were not asking for a cent above what the cost of damages but they seemed to accuse us of requesting payment for things that were not accident related. We had to wait for 13 weeks before our vehicle was restored and ready for pick up. So we chalked that up to our first mistake. Then it comes time for our renewal-the premium is increased $600 so we do look for other coverage. We have received a quote for $1000. less. And now since we have coverage with this company for another month, I called last week and left a message on their voice mail following their instructions to place a vehicle in storage and I would receive confirmation from them-now it is 3 days later and have not heard anything so I chat and repeat my request to place a vehicle in storage-first the chat person wants to take it out of storage=NO put in storage effective last week-oh we have nothing showing that request-then while I am typing my response it must have been time to go home because the next message from them is that they hadn’t heard from me so chat was discontinued. What a horrible company!!!!!!!

    Reply
  30. On Tuesday I was rear-ended by a policy holder of National General. They are the worst insurance company I have ever had to deal with. They took a week to come out and deem my car non-drivable and the claim agent never returns calls. I would never in life buy insurance from a company with such poor customer service and I hate that I have to deal with them to alleviate paying my deductible. They have a lack of compassion, a lackadaisical attitude about getting repairs completed, no sense or urgency, my claimant hung up on me, did not call back, was not concerned with my claim. Please consider another company before choosing this one. I’ve never had any problems dealing with Geico.

    Reply
  31. STAY AWAY FROM THIS COMPANY THEY ARE SO CORRUPT AND MONEY HUNGRY. I just switched to USAA today and I’m paying over 50 dollars less with them. I have a few tickets so I didn’t question why my premium was so high. When my policy auto-renewed this month, I noticed it went up $20 so I called to see why. They said it was because my state increased my fees so I asked if there was anywhere else I could be saving. The rep suggested I send in proof of my husband’s own insurance which she said would lower my premium by $70 and that my address change was also a $10 decrease. I did what she said to send in the documents and called in to check on the status and gusss what? All lies. Submitting that proof of his insurance raised it by 70, not decreased it!!! So awful. I called a manager to tell her what happened and she said she would look into it and call me back. Never a call back. I’m so glad I don’t have to deal with this terrible company.

    Reply
    • Shelby, Where are you located?

      Reply
      • Pensacola, FL

        Reply
  32. They are trying to screw me over. They requested forms to be signed and returned, which I did. Now they are saying they didn’t get them, so they will only cover liability. I had an hit and run accident a week after I took out this policy, how convenient for them. They also informed me that my rate will go up, guess I need to find another company. It would appear that they would have to pay for the damages because I was fully covered prior to them notifying me of the change. Wish I had read these reviews before choosing them.

    Reply
  33. This company is actually grabage. I dont know if the agent is doing anything. I cancelled my policy back in june 7 when i transfered to geico. The agent(agents) I talked to on the phone told me I would not be paying anything after I cancelled it. Thinking that my policy was cancelled, I went on on my days. Out of nowhere I was still billed even though I paid my june 5 fee which I was not supposed to pay i think. Out of nowhere I was still billed thinking it was a mistake. After a few months I was sent a collection notice dated 9/22/17.a policy I cancelled with words from agents I did not have to pay anything and no longer effective because I already have insurance with a different company. But checking my policy online it was cancelled july 17 and reason was non payment of premium. What!? Seriously?

    Reply
  34. Terrible. Just sad. They are the worst.

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  35. This is absolutely the WORST insurance company EVER!!!!

    My son was on his way to school (college) which is about 100 miles away from home and was in a 3 car accident which his airbag deployed. His car was undrivable so we had to leave it on the side of the road. My son called these people and was assigned a claim agent. This woman did not know what to do and told my son that he would need to (move his car) before they could do anything. And what was worst, told my son not to call back because she was going home for the evening. (WHAT?!?!?) So, he tried to call the 1-800 number but was constantly transferred back to the [redacted] of a claim agent.

    Move on to the next day. This time I wanted to talk to them. I wanted her supervisor, but of course…we are in North Carolina, which means these hungry people go to lunch waaay before lunchtime. Not to mention that they take 2 hr. lunches at that! No wonder the average person here is grossly obese. But anyway…The supervisor NEVER called me back after trying all day. We tried using 3 different phone numbers…but to no avail. So, I called the 1-800 number back, and guess what? They sent me to the [redacted] claim agent. So, I absolutely went off on her. I said that what kind of insurance company that avoids calls, don’t call back, do not have a reachable supervisor, no kind of policy for picking up cars or at least having a database of tow companies that we could call.
    I was trying to explain to this [redacted] that we do not know the area and the car was undrivable. But, she was emphatic in telling me that they need a physical address before they could do anything. HOW CAN YOU GET A PHYSICAL ADDRESS IF THE CAR IS DISABLED ON THE SHOULDER OF THE HIGHWAY?!?!?

    Anyway, my family and I had to travel to the car’s location, call a tow truck, pick a collision center to have the car sent to. But, why couldn’t that [redacted] tell me to do that? This is the most backward, non-competent, stupidest, weak, cheap backwoods insurance computer that I have ever seen. My son will be changing as soon as he can. I’d rather pay more than to deal with this level of stupidity. Please, Please, Please….Don’t use these jerks!

    Reply
  36. Does anyone have experience with National Generals Home Owners insurance?

    Reply
  37. this is a horrible company to work with and the customer service is by far the worst I have ever dealt with. The agents did not seem to care at all that I had no car and not once tried to explain the reason for delay. They were rude to me and showed no compassion and poor work ethic on getting things completed. Not to mention they lied to me. Beyond disappointed with this company. I will not recommend this insurance company to anyone!

    Reply
    • I was hit by a deer. Before posting a claim I called them and asked would my rates go up if I hit and deer and filed a claim. They said no it would not as it was a no fault accident. I filed a claim to repair my tahoe and they took forever agreeing to pay the full amount. Once they did my premiums went from $500 monthly for my three cars to $998.00 monthly. WHAT? WHAT? They said there would be not increase!!! When I tried to see if they would correct it they said no that the claim raised my premiums. Because of the labeling it as a fault accident now other carrier won’t touch me and NG is the only carrier that will insure me at nearly at $1000 a month. They have reaped over 18 payments from my checking account at this amount.

      Reply
      • Kevin, did you get your truck replaced?

        Reply
  38. The fact that I cannot see my documents online is baffling. I literally have to get on a chat with someone in order to get my documents. Good luck getting a timely response from anyone either. I was on the chat for well over an hour to get one document . . one! The website is useless and so is their customer support.

    Reply
  39. Holy Cow! I just read a ton of these reviews and I have to literally laugh! Most of these are mirror images of my problems! When I took my RV out of storage, The company tried to nail me with a $60.00 more a month payment stating that I was in an at fault accident and had 5 points on my license! I was in an accident yes but, it wasn’t my fault and there was a police report! They tried, not once, but twice to do that to me! How the hell can they get away with that, and why did I have to prove I didn’t have the points, and wasn’t responsible for the accident, yet they didn’t have to prove that I did and it was?

    I JUST got my check, after a two and a half month battle for a claim I had due to storm damage! Same story as the other people! Repair shop I wanted came in at a whopping $8.73 in parts over the insurance estimate, and $40.00 in labor on a $6000.00 job! The first lie was telling me they wanted the dealer to show them a parts list of HIS cost because “We want to make sure the parts aren’t inferior”. The second lie was “we want to make sure he’s not severely inflating prices on parts”. What the hell does it matter to them, as long as the estimate is reasonable?

    The nightmare finally ended when I wrote a very long and detailed email to the claims supervisor, packed with legal ease and laws that it appeared they are breaking. I let them know in that email that this was the very last time that I am going to try and resolve the problem between myself and National General Insurance. Any following correspondence was going to be in the form of legal documentation, and I wasn’t going to stop at just a settlement for the original damages. Wouldn’t you know, 8 o’clock the next morning I got an email telling me a check with the new agreed upon figure is being issued and sent out.

    There is much more horrifying things that have happened but, I think you all get the hint. Now, because the repair shop got busy again, it’s going to be a while till I can get the camper in for repair (which it would have gone in immediately if it wasn’t for the time it took to resolve the claim). I was thinking about depositing that check into my savings account (for safe keeping and accrue a little interest) but now I’m afraid they’ll consider the claim closed if I do that? I’m also afraid of not depositing it, expecting an undisclosed rule about checks that sit around for a certain time. Why can’t people just do good business anymore?

    Reply
    • I had a horrible experience with this insurance company as well. You need to file a COMPLAINT with the Insurance Commissioner in the state where the accident occured. This company is a joke!

      Reply
      • I filed a complaint and they lied to the Insurance Commissioner. These people are crooks and liars.

        Reply
  40. We purchased this insurance because we are a Uhaul Dealer and we were supposed to get a good discount thru Good Sam and when we called they priced us for 4 vehicles 2 with full coverage, at around $350 a mo. So we went with it, about a week or so later we received in the mail a 60 page form that required us to show proof of continued coverage from our prior insurance carrier. We always overlap our insurance at least a day or two to insure that on our financed vehicles we are NEVER with out insurance. So we complied with the 60 page form that was sent to us, made a copy of our old policy showing that we had insurance with the previous policy and mailed that in! We switched to General Insurance June 1st, mailed a photo copy of the document they were asking for within the required 30 days that they had to have it in by. Then on August 7th 2017 only 2 months later we had gotten in the mail the Friday before a notification that our payment was declined for NSF. WHAT! WHY? So first thing Monday morning we call, come to find out they had never received out proof of continued insurance and raised our rates to $550 a mo. And if we email them proof that they needed they would drop our rates back down and everything would be good! So we did, we requested a confirmation from the company to let us know either email or by phone that they received the email proof they required! No response for two days. So we call again to verify they received it! The lady was rude, she told us we would now receive a rate of $750 a mo because its too late for the proof we sent in, we explained we mailed it in first and then we emailed it, but to no avail they didn’t care!! We were now going to pay $750 a month period! And if we did not give them the money they would be canceling our policy by August 14th! So we tried to explain we tried to reason with them, finally we requested to speak to the supervisor, she refused, she would not let us speak to a supervisor, she was rude and would not listen to our request, and then after raised voices from our end as well as their end of the line she hung up on us! So we immediately called another insurance company and got a far cheaper rate and we have cancelled our insurance with this company and will NEVER use them again! Please this is the worst insurance company to use, to double and then triple our policy for no reason is ridiculous!

    Reply
    • I just wanted to thank you so much for being informative and saving me a potential nightmare.

      Reply
  41. I got hit by one of their insured, Took for ever to get approval for the repair. Then tried to file a diminished value claim for my $45,000 6 month old SUV from the accident. Called over 15 times and talked with their rep 3 times. He failed to return my calls over 20 times and I recorded each call. Got the run around each time and nothing ever done. Filed a law suite against them in our county court. If you get hit by one of their clients just go ahead and file a law suit. You wont get anywhere with them.

    Reply
    • I got hit by one of their insured person and they are giving me the run around. They keep saying they need to talk to their insured person before anything is done with my car. i am without a car that wasnt even my fault and the police statement clearly says its not my fault. They still will not do anything for my car. I have called several times and no one will answer the phone. Once you filed a lawsuit against them what happened afterwards?

      Reply
    • Hey Fred,

      I am sorry to hear that you had to deal with these scum bags as well. I am wondering if you ever got your diminished value taken care of with NG? I just filed one myself through a professional 3rd party.

      Any feedback is greatly appreciated!

      Thanks,
      Eric

      Reply
      • I’ve been working 3 months now on a diminished value claim with National General where I was rear-ended by one of their clients that did $10k in damages to my car.

        I hired an expert DV appraiser who determined I had a valid DV claim for $3500.

        I have even gone to local auto dealers and got appraisals on my car now that it has been in an accident.

        National General won’t negotiate any longer, has been very unreasonable, was originally willing to give $350 and finally said $500 is all they will give for my claim.

        This is after I’ve shown proof that my car is now worth several thousand dollars less after their client wreck my car while distracted.

        I will be contacting my state insurance commission and following up with a small claims suit unless something changes, but I doubt it will.

        Reply
  42. Buyer beware!!! This company has to be the worst ever to straighten out their billing mistake.
    I paid my payment through the bank for the correct amount. The correct amount was debited from my bank account per bank draft sent to billing from the bank. Instead of $55.88 being applied, they only applied $45.88, then sent me a cancelation notice for the $10 and added a $10 late fee.

    After speaking to 5 different people, the bottom line is I still owed them $10 from last year when I paid the policy in full. Ya sure! If they were willing to cancel me for $10 this year, why not last year! Some how they want the $10 even if they lie to get it. Buyer beware!!!

    Reply
    • Same problem as many – RV insurance after a hail storm is a claim nightmare. After 2 months denials exceed approvals. RV repair experts are damned by denial trained adjusters. Even undeniable photos are discredited to save claim money and avoid fixing broken parts. The circumstantial evidence points to bonuses based on level of denials. Even the lack of local adjusters adds to the lack of skills when car adjusters are bought to do unfamiliar RV work. Will cancel and move on when all checks clear and work is done.

      Reply
    • Same here. They took a payment after I canceled the policy. Still waiting on my refund check 3 weeks later. Snotty customer service. I wouldn’t recommend them to anyone.

      Reply
      • Yes, same here, took payment (larger than normal by a 100), and AFTER canceled a month before. Many companies are doing this. ALWAYS RECORD ALL BUSINESS PHONE CALLS< after all, they record us! It is for your records. And yes, stay on top of them (like daily) as they know whats in peoples accounts etc., and after every red cent (companies allowed to access all personal info, phone photos, emails, listen in, accounts and so on (in contracts), so they know everything! Banks let them overdraft etc. too. It's just constant fraud in this country! Nobody answers the phone when not recognizing the #, because it is most likely a scammer or sales crap. Contracts are supposed to favor both sides but most always favor companies and waives your rights. Read em. & we mostly pay taxes to companies for so-called "services", and so they don't pay taxes, they go free bc we pay it. The list goes on and on. Like Miscellaneous charges? Yeah, bogus. RECORD THEM, bc eventually they're all going down.

        Reply
  43. Horrible, Stay Away. High insurance and No Transparency, Hidden charges
    Arrogant Customer services. They are here to steal your money, not to provide insurance

    Reply
  44. This is a horrible company to work with and the customer service is by far the worst I have ever dealt with. I was hit by a car accident that is covered by National General Insurance (NGI). They took over a week to review the claim and get me a rental car. The agent did not seem to care at all that I had no car and not once tried to explain the reason for delay. I finally found out that they did not have the police report and was making no attempt to obtain the report. I sent it to them since I had received it in the mail already but they were still waiting on it to arrive (they did not request it yet, my opinion). When I did not hear back from them in 24hrs I called and the agent who’s voicemail stated he was in the office that day but he never answered (I left vmm). I finally got the front desk who transferred me back to him and he answered (screening phone calls). He opened my email on the phone with me and read the report and said yep we take responsibility, look how easy and quick that was. He finally got me set-up for a rental car and we picked out a shop and he ordered a tow truck to come get my car the following day. Truck came late the next day (Friday) and when my car made it to shop around 2pm I received a phone call from the shop asking for more information on my car. They had not received any paper work yet! I sent over my copy of the estimate so they would have some information and contact information. They did not receive any paperwork from NGI until the following Monday! Over the next couple of weeks things are okay. I receive a call on a Tuesday from NGI stating that my car will be ready tomorrow and I will need to return my rental, sounds good. Following day I call shop to verify time it will be ready and the mechanic gets on the phone and informs me that my car will be ready next week because they are still waiting on parts. I let them know what I was told and they informed me that they would call me when my car was ready and they will contact NGI to clear up the confusion. It has been a week – NGI called me today to let me know that the repair shop (that was verified by NGI) had delays and they have covered my rental car long enough. So as of today they are cancelling my car no matter what. I asked if my car would be ready today and they said per our system it says yes….asked if they spoke with shop and he said out adjuster has been by. I told them I do not see how the delays on the repair should be my fault and that they/NGI need to speak with the repair shop about what to do on rental coverage if my car is not ready. He said it was up to me to figure out if repair shop would cover any additional time since they are the cause for delay! I seriously received that phone call….and was told that in a rude and disrespectful way from [Redacted] at NGI. I felt like I just got tossed aside with no care in the world! He did not care that I work 45 minutes away and that I transport my son to and from daycare….all he said was that they would not cover anything else and I can talk with repair shop. I am in shock and am upset by how rude he was. I called repair shop after my rude phone call from NGI to check on my car status. The shop informed me that they sent paperwork to NGI this morning and have not heard anything back yet. My car should be ready this afternoon if they receive the paperwork back. They sent the paperwork to NGI at 9:21am, my phone call from NGI was at 9:10am at which time Logan said that they had been by the shop…..so my car is ready I am just waiting on NGI to complete the paperwork. I asked the shop if they heard from NGI before they sent the paperwork and they said no. NGI lied to me about adjuster going in the morning! If they would have done their job and called to follow-up on my car they would have known that it would have been ready today and I would not have had to deal with the rude phone call about my rental car! I asked the shop about delays (because this is a good shop that I have used before) they let me know the NGI did not follow-up and has been slow to communicate through out the repair of my vehicle. So NGI was slow to approve parts and repairs and then they tried to blame it on the shop. They were rude to me and showed no compassion and poor work ethic on getting things completed. Not to mention they lied to me. Beyond disappointed with this company.

    Reply
  45. Horrible Horrible Horrible!
    My car recently was involved in a hit and run accident parked outside of my house. National General told me that the reconstruction specialist determined that the car was being driven and backed up into something causing the impact on the driver side door and let me tell you this is no minor impact as the repairs are over 4K … It’s just me and my wife .. we woke up to the damage … now they are denying all coverage …. I just got the call today … I’m thinking of hiring a lawyer I have an appointment on tue any advise??

    Reply
    • Hi Tito,

      The insurance company is almost always going to look out for themselves first. If you feel as if you are getting the run around from them, getting an attorney involved could be a wise choice.

      Best,
      Eric Stauffer

      Reply
  46. This company is by far the worst insurance company I have ever had to deal with. Here’s how my experience was with them. Today I deposited money into my bank so i could pay bills and things like that. Well I check my bank account today at the beginning of the day just like I do everyday making sure nothing is in the negative and nothing had been posted that would draw me into the negative. So i put money thinking I would be ok boy was I wrong. Well 45 minutes later the money is gone and i look and sure enough this pos company took $113 out of my account now this normally wouldn’t alarm most people right. Well this is where it gets good. The amount was only supposed to be 98 that they take well when i called them they gave me the sorry excuse that they took that out on the 22nd which was not when it was supposed to be taken out it was supposed to be taken out on the 30th but they didn’t they took it out on the 31st which was lie number one. Lie number 2 was the was the amount taken cause I signed up for paperless which was supposed to give me a discount. Huh discount my [redacted]. And when i called them to find out why it was so much they said it was because of a NSF fee they charge which shouldn’t be charged which i’m being charged twice if that was the case which isn’t right. I check my account every day multiple times a day trying to be responsible with my money and when i told the [redated] on the other end of the phone that i do she was kind of in shock that i check my account everyday and i proceeded to tell her that i would be closing my account with them and i called back and closed my account and put a stop payment on the payment with my bank and them.

    This by far is the worst company i have ever dealt with i wish i would have done my research first but i was in a rock and hard place and couldn’t i will next time.

    Reply
  47. THIS IS A HORRIBLE COMPANY AND THEY DOUBLED MY POLICY AFTER ONE PAYMENT. THEY EXTRELY HIGH AND I AM CONSIDERING A LAW SUIT AGAINST THEM. DO NOT EVER USE THIS COMPANY

    Reply
  48. Stay away from this company! Rip off!!!!! You cannot even cancel the policy once it is in effect! Do not ever do direct pay! Now I have to contact my bank to get the automatic draft taken off! We set up health insurance policy for our 3 kids, and now we are told we don’t “own” the policy so we cannot cancel! We set it up, we pay it, but we do not own it? what the f_ _ _ _! Never even used the sorry [redacted] policy! Deductibles high, Premiums high, not worth the money you have to pay or the aggravation of having to deal with incompetent people! I never heard of setting up an un-cancelable policy! STAY AWAY FROM NATIONAL GENERAL!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

    Reply
  49. Yesterday I received notice of increase in premium after I paid my monthly bill. They doubled my insurance premiums after 10 years of being insured through them. I had a fender bender two years ago this May and the company took six months to settle. At end of my policy period I received notice my insurance was to be canceled unless I paid double my premiums. This company has some unsavory business practices that you only find out about when you actually call upon them for help. As long as you never need their services you will be okay, god help you when you need them. Even when I tried to ask for some explanation for my rate doubling the fellow I spoke with was rude and told me I had the accident so now I had three points assessed by them, this translates to doubling your premiums so they can recoup their monies aid out for accident. So if you think you’re insured with this company you are mistaken. They’ve changed their name because of so many complaints they probably had to change just to get new customers. My advice is to go with an insurance company like USAA or AAA. Both have high customer satisfaction ratings.

    Reply
    • That’s how I feel. I’ve been paying premiums for 14 years and was naively satisfied and had peace of mind. Now that I was in an accident and have filed a claim, they won’t hold up their part of the “contract”.

      Thay

      Reply
  50. I have been with this insurance company for four years. No issue with them till now. About three and a half weeks ago I called customer service to stop auto payment because I didn’t have my payment in my account until the following week the customer service representative said he stopped auto payment and we was good. By the following week my account was overdrafted. When I found this out I called them back and requested a reimbursement of thirty dollars they requested a copy of my statement. I sent it over and they gave me the run around and it’s going on two weeks now no reimbursement till this day. I’m a father of five kids and me and my wife is not wealthy by any means we live check to check. This company doesn’t care about their consumers at all and should be rated a negative two star company. Making millions off their consumers and robbing them also. I’m seriously thinking about calling a lawyer and see what actions I can take because they still acting like they sending the money but my mail box is still empty.

    Reply
  51. My vehicle was totaled after I hydroplaned off of the road through a ditch and into a fence. National General only reimburses $100 of towing costs, but they will pay the storage costs at the tow yard if there are any. I was immediately put into contact with a claims adjuster who sent a mobile claim adjuster within 3 business days to look at my vehicle. Yeah, the repair costs and part replacement figures were inflated (like a right side mirror does not cost $945..) and so the car was deemed a total loss, but they were open to me negotiating that if I could get another estimator to prove lower damages. I had a guy come out and look and say maybe $5,500 in damage instead of $7,100 but I wasn’t too interested in getting it repaired because it seemed to have frame damage.

    Anyway, the total loss offer was $3,500 below the value of the car, but I have an NADA report, Carfax to prove good vehicle maintenance, and a temporary registration card that lists the value of my vehicle too, as well as my own research online that I sent them that proves a higher value. My adjuster came at me with a slightly higher offer ($500) and I’d say we’re becoming friends : )

    He realizes I’m not going to quit and that I have better than average documentation on my used vehicle, so I’m confident that they’ll settle somewhere near what I asked.
    It is “going up for desk review” now.

    They also extended my rental an extra 5 days on their expense. Very impressed with that, because legally, they did not have to since they had already made an offer to me for settlement. It allowed me to do the things I needed to do and I was very happy with them for providing the extended grace period.

    The people I have spoken to have all been friendly and even though the pay-out offer was low, I feel like I’m in competent hands. I can hold my own against them. My claim adjuster has tried some tricky tactics like getting me to admit that it was a desk review for a repair estimate rather than to adjust my claim payout. Or offering me the trade-in value or private party value instead of dealer rates like THEY’RE SUPPOSED TO.

    I encourage everyone to do a little research into your rights in this regard, read a lawyers website info about total loss, or go on Youtube to watch things like “how to talk to claims adjusters to receive higher payouts,” so that you can maximize your claim payout and rest assured that you are in control of the process. Once the beast leads you into his cave it’s dark and hard to find your way out unscathed, so… 1.) go when he’s sleeping (i.e. come prepared with your research done and documents/statements ready; 2.) bring a flashlight (i.e. ask good questions, have prior knowledge, request things that you need even if you don’t expect to get them, you might be pleasantly surprised; and 3.) have a back-up plan (i.e. if they low-ball you tell them that you accept the undisputed amount and request that to be sent immediately but that you are disputing the claim payout. Once you receive payment (and can possibly buy another car) then you’re in a much better position to further your dispute.)

    Be aware that they close the file in 30 days after the make an offer and everything becomes slightly more difficult when you ask them to open it back up, so don’t procrastinate.

    Just be diligent y’all. Ask what your policy does and does not cover, specifically. Ask for discounts. National General IS a business. They hire their employees so that they can earn more money for them. Part of that is paying out lower claims or even avoiding claim payouts/repairs altogether in some cases that I’ve read about here, so you have to know what you want and actively pursue that with support and facts. Stick to the script and keep pushing.

    Reply
    • National General Insurance is the underwriter for Good Sams and I purchased my RV insurance with Good Sams and added my 2002 Jeep Liberty 4×4. Long story, but in the end it was a 1 day old policy and the tow car had a blowout 10 minutes from my home. The day it happened I wanted to make sure I was insured so I call before I take off in my RV. This trip was our first since the loss of son 2 years ago so I purchased the insurance online on the 1st and then called on the 2nd of the month before leaving to tell them the state was incorrect but the street address and number were correct. So, after being on the phone for 5 hours trying to get help on the RV insurance changed and making an payment for the next month of $125.50. I paid $235.00 online to start policy. Now the claim comes in only 1 hour after the changes were made. They pay the garage over $3,000.00 for the claim, I get the email its been paid. Now 30 days later, I am told to go and pick up my car its done but when I go to pick it up I test drive it and find the brakes are hot and burning. Long story short, they tell the insurance adjuster they have never seen this much or type of damage due to a blow out. So then adjuster tells them to go the other way and think differently than a blowout and they will cover 50 percent of the tire replacement because they said they would not cover a new tire since it was the reason for the damage. Now just last Friday the garage tells the adjuster he is not a mechanic and can do nothing else. I have it taken to a garage where I had work done 1 time before and he tells the adjuster the same about the brakes, that the blowout would not cause brake damage. So now the adjuster has pulled my rental and told me the car is finished. But I still can not drive it. Basically they said it was preexisting but no one came to even look at the vehicle and everything was done by phone, this is a 2002 Jeep, they have paid what they will pay they said. But I feel the frame and body garage should have ended their work when the body damage was finished or at least stated they were only a frame and body and the mechanical part would have to be taken up with another garage. Am I missing something? They waited a week before they would even open the claim due to them being on the East Coast and me on the Pacific and the blowout was in AZ which I live on the line here in Laughlin. So they thought I was lying to begin with but after telephone records and statements I sent them with maps, they opened it. I understand all of that but what I don’t understand is how they want me to pick up a car that I can not drive due to the brake issue that I found due to a test drive and smelling the burning brake but was told that it was the rubber stuck up under it burning, I knew better and did not take the car util I called the adjuster. I told the adjuster then I felt he was lying to me and did not know what he was doing.
      Costso just rotated tires and all right before this happened and they state they will reimburse me for the tire at a prorate cost which is fine but I need to know can a insurance company do this to you. I guess so but I think they are wrong.

      Reply
      • What I forgot to add, was the 2 payments I made, one was done online for $200 + and then the day of blowout $125.50 for the month of April. But I get a letter stating the policy has be canceled for non-payment. They state I have only paid $125.50 on the 6th of March so I owed for April and because of the non payment which was due on the 4th, they canceled my insurance. The letter was dated the 4th and I got last week sometime. So no car and now no insurance.

        Reply
  52. This is the worst insurance company I have ever dealt with. Sadly, I have Metromile, which I like a lot, but this company is handling the claim because Metromile farmed out the claims to this company. Metromile tells me they no longer issue policies with National General, so I am apparently one of the last lucky few to deal with them. I point this out because I would have never knowingly signed up for insurance with such an awful company. They are basically the auto insurance equivalent of GREAT BENEFIT from the Rainmaker.

    I could write out a massive blow-by-blow, but I’ll save you all the experience of sorting through it. In short: my wife was in an accident, the car was towed to a repair shop, National General’s adjustor inspected the vehicle, and the repairs and costs involved were sorted out between them and the garage. The work then began. Two weeks later, the garage finds substantial additional damage inside the car, and National General decides to pull the plug and deem the car a total loss, as opposed to fixing it.

    This would all be fine with me, except for one little problem. They don’t want to pay the shop for the two weeks of work they did before National General deemed it totaled. But it’s actually much worse than that. They want to deduct the difference between the shop’s bill and what they’re willing to pay the shop from my settlement, which is a difference of over $8000. So instead of receiving a check for the replacement value of my car, they want me to accept the replacement value MINUS $8000, because they don’t want to pay the shop that they approved for repairs.

    Is the shop’s bill unreasonable? How should I know? They claim it is, the shop claims it isn’t. The point is that, IT SHOULD NOT MATTER. They’re a big bad insurance company, they have lawyers. If they’re unhappy with the shop’s bill, deal with the shop. Instead they dump this in their customer’s lap and imply I’m being unreasonable for not agreeing to take an $8000 loss on the replacement value of the car.

    What of their adjustor that missed the additional damage? Oh, that’s apparently okay. Mistakes can happen on their end, as they will simply bill the customer at the end of it.

    I have filed a complaint with the California Department of Insurance and will, if necessary, hire an attorney and pursue legal action against this company in order to compel them to simply give me a check for the replacement value of my car. Keep in mind, what I want in this situation is not exotic. This is the reason people purchase car insurance. I’m not asking for anything other than the standard outcome in a total loss situation: a check for replacement value.

    Do not in any circumstances purchase insurance through this company. Once more, if Metromile cannot make me whole, then unfortunately, this review will be applied to them as well. I like their business model and their customer service is much friendlier and competent but this is an unacceptable situation that grows worse by the day, and they are ultimately responsible if they cannot rectify the situation.

    Reply
    • Hi Tim,

      Your insurance contract should dictate that they must make you whole. I do not have all the details, but if what you say is correct, even a trip to small claims court may be all you need to get this sorted out.

      Again, I don’t have all the details, but from what your story it doesn’t sound like you had any responsibility in this mess up.

      Best,
      Eric Stauffer

      Reply
      • Thank you,

        That is what everybody has told me to date. I follow up once I have a resolution.

        Reply
  53. This company has been a complete disaster for us. We insured our 5th wheel with them. The second time we hauled the camper it unhooked from the truck and tipped over. Luckily there was heavy traffic and it wasn’t moving and we were in the fast lane on the highway. We had replacement for the amount of our loan and after national general messing around for 2 months they realized we had replacement and said the appraisal value did not matter. So we thought everything was good to go but their idea of replacement was a new camper over 1500 miles away in another state. We had no way of hauling a 5th wheel, we lost $16000 on the camper plus a hitch. No one ever figured out why it unhooked. National general had bad customer service and we could never talk to the same person more than once. They also thought that just repairing a camper that had acid all over the toy part from golf cart batteries was okay.

    Reply
    • I use to work for National General for over 30 years. It was a GREAT company until……a new CEO was hired in 2000 I believe. That’s when things went to hell…..no longer cared about the customer but the bottom dollar! Then the company was sold in 2010, and things got even worse! It makes me sad when I see the National General name with such negative feedback. So much for a GREAT comapny and GREAT employees when GREED takes over! :-(

      Reply
  54. I was hit by someone who has this insurance company, at first I spoke with someone local her name is [Redacted]. [Redacted] was so nice and very helpful we settled our bodily injury claim with no problems at all. When it came time to settle on the car, which is totaled I received a call from Diane [Redacted]. This woman has to be the most rude, condescending, disrespectful “customer service rep” I have ever spoken to. This lady should be FIRED! She had the audacity to blame me for my accident, I was on the interstate sitting at a stand still with my 7 year old in the back seat and someone slammed into the back of my car forcing me off the the road. There are ways to go about talking to people and in my opinion she lacks any sort of people skills. I was ready to settle this and move on, I was not after tons of money. Miss [Redacted] is representing your company in such a negative way that you should take action. [Redacted] is her contact number.

    Reply
    • Wow! almost exactly same … Our car was not totaled, but my bodily claim went well. I did’t want anything … just pay for the one Dr. visit.
      My wife still has an issue … it may take a while.
      The Lou Saare did an amazing job repairing the care but are having to fight for payment … They will get it they kept the documentation of the repair quote approval.
      It took 3 weeks to repair the car, because National General would not give approval to start the repair.
      We had to rent a car for 3 weeks, due to their delays they are only reimbursing us for 5 days … Come on .. $220 to them is nothing. It’s a lot to a person on Social Security.
      Beware … these people are terrible! I guess they know we don’t have the money to get fair treatment.

      Reply
  55. This is the ABSOLUTE WORST insurance company I have ever had. Their customer service sucks. They give you the run around and they are crooks. They are not about their consumers, they are about the money and it is very clear in the underwritting of their policies. They milk you for every dime and SAY they want to get you paid quickly but then blame their broker for the issues. VERY DISAPPOINTED..BUYER BE WARE

    Reply
    • I absolutely agree!!! Assumed I was at fault with out looking into it. Was hit by an uninsured vehicle and they covered them and left me hanging…

      Reply
  56. I was rear-ended by someone covered under National General. I filed a claim. The adjuster gave me the run around, so I eventually filed with my insurance company, but am looking to be reimbursed for my deductible. It is going on two months and National General has not done a thing. A police report was filed. I filed complaints with BBB and the insurance commissioner. If nothing results by December, I will have no other choice but to take the other driver to small claims court.

    Reply
  57. National General Insurance, AKA Good Sams, is over priced and only care about getting the extra dollar from thier customers. I found insurance 40 percent cheaper and I terminated my account in good standing. They conjured up a $12 debt and sent it to a collections agency. I will NEVER use national general insurance again. Poor company. Beware!

    Reply
  58. THIS IS THE WORST PLACE IN THE WORLD TO GET INSURANCE WITH. THEY ARE THE MOST RUDE PEOPLE I HAVE EVER DEALT WITH IN MY LIFE

    Reply
    • I AGREE. WORST INSURANCE COMPANY- RUDE EMPLOYEE’S- YOU PAY WAY TOO MUCH AND THEN THEY DON’T COVER YOU. WE’LL BE CANCELLING ASAP.
      DEAR NATIONAL GENERAL- I HOPE YOU GO BANKRUPT! MIGHT HIRE A LAWYER SINCE YOU FAILED TO COVER US.

      Reply
  59. This company sucks!!!! So rude and inconsiderate!!! Interrogated me and the accident was not even my fault. I was stopped in a parking lot and the driver that hit me has this insurance company. She plowed into the side of my van and caused $4,000 worth of damage. Made a claim and all that and was eventually told that I contributed to the accident so they weren’t going to pay. How in the heck did I contribute? By sitting there waiting for the car in front of me to pull off so we could leave the parking lot …..I looked over my right shoulder because my son said they’re gonna hit us mom and at that split second I looked all I saw was the back of the woman’s head who was driving . She was waving to someone and not paying attention at all to the people who were right beside her in the parking lot. She hit is so hard in order to make that much damage. She was like dale jr flying through the parking lot. B4 I new it she had hit us. The insurance lady was such a ray of sunshine also. I asked her when the investigation would be over and she said soon and that day I got a letter stating that they weren’t going to pay for my damages. While on the phone with her I suggested she get the video footage from the surveillance cameras and she said they wouldn’t need that. So I figured it would work out in my favor. WRONG!!!!! She totally screwed me. Now I have to drive my kids around in this piece of shit can that has shoe laces around the door and seat to keep the passengers door from opening up while driving down the road lol!! This is just great….Pleaee y’all if I are ever in this situation always get witnesses and evidence immediately! Do not wait and reliy on someone from this insurance company to be honest and helpful with your claim.

    Reply
    • This is the worst company ever…statistics show they do not pay out claims, they are rude to insurance holders when making a claim and are not a compassionate or honest company. We are out $10,094 because of this company…please don’t get taken in by them…

      Reply
  60. I was recently in a fender bender with one of their clients. I was given a very hard time to get my car fixed. It took a little over 2 weeks for my worker [Redacted] to get my paperwork together, and I feel that everything was purposely delayed. I feel that he purposely put off my paperwork. It shouldn’t have taken two weeks to get an estimate. Finally I get estimates to get my car doors fixed by sending in photos of the damage. The collision shop of my choice said that it wasn’t enough enough money to sufficiently fix my car. He stated that you cannot properly estimate damages by looking at photos, and that I need completely new doors for my car. The estimates worker for National General said that they’ll send out supplemental paperwork so that the collision shop would get more money to properly fix my car. So as of today my car is fixed, but the insurance company now refuses to give more money. I don’t think that it’s fair that their client ran a stop sign, hit my car, and I’m going through so much to get my car fixed. This company should pay the total costs to fix my car because their client was at fault. This company tries to get over on consumers by paying the minimal price possible.

    Reply
    • Omg I’m so sorry you are having a hard time too. My case was similar. They estimated the damage to my doors on my van as under 1,000 dollars……wrong! Its around $4,000. I had no idea they had to replace the whole door. The sliding door and the passenger side door. I’m no mechanic lol obviously, lol so I thought they could hit the dents out and repaint it or something. I was so wrong. I just can’t believe what a hard time I’m having with this. I try so hard to be a good person and I follow the rules and I drive so careful BC I’m driving my babies around. It’s just so frustrating isn’t it? I hope u get everything figured out. Hang in there.

      Reply
  61. I am highly disappointed with National General Ins. I have already filed a complaint with BBB. I received auto insurance from them at a ridiculous fee of $205. I payed it for 3 months until I had the time to find a more reasonable rate with more benefits. I went to cancel and the customer service representative didn’t inform me of the fees they were going to charge me. I understand the 10% cancellation fee that was told to me, when acquiring about my refund check, 7 days AFTER my cancellation. I was Never informed, if I cancelled I would have to pay $185.50. I had just payed my bill of $205. 4 days prior to cancellation. I was expecting more then a measly $22. check for my return. If I would have been informed the company needed to collect a certain amount before I cancelled, I would have never cancelled. I basically paid National General $185.50 for absolutely nothing in return. I am appalled that a company would take such amount of money and not inform the consumer ahead of time of such fees!!

    Reply
  62. Worst company ever!! Do not give them your business. They aren’t worth it. They aren’t worth anything. I got in a car accident on a Saturday. I made my claim as soon as I could. The lady on the phone told me right there and then that my car was a total loss and I had to go to the lot where my car was being kept to get my belongings out of it at 12pm on Monday. So I have to use my personal time at work to go get my stuff in a hurry. They assigned me to a claim representative named [Redacted] who was supposed to contact me Monday afternoon. No contact at all from anyone. So finally Wednesday I email him, no answer. Forward the email again Thursday, no answer. AND again on Friday. So i finally call this claims rep. He says since the car is a total loss that he is not the claim rep….. The lady told me when I reported the claim that it was a total loss, so why were you assigned my rep in the first place!?! First of all, he could have at least answered my many emails. Second, he would not give me a name or number of anyone else handing my claim and said it could be WEEKS until someone is assigned to it. Terrible service. Terrible experience. TERRIBLE COMPANY.

    Reply
    • Had the same issue with them . Still no luck after 3weeks and now such a low ball figure .

      Reply
  63. I agree with all of you! Steer clear of this company and you will be money ahead and avoid frustration.

    Reply
    • My name is Michael Barnett and I totally agree with everyone…the car lot that I got my from which is Wilmon auto sales in Eden north Carolina said that he was mad at the services they’re giving me that he’s going to put a sign on his door that’s STATES ANYONE WHO HAS NATIONAL GENERAL INSURANCE WITH [Redacted] or [Redacted] WILL NOT BE WELCOMED HERE…NEED I SAY MORE.THEY HAVE NO SENSITIVITY FOR THE COMMON INSURER!!!!!!!!!

      Reply
  64. I shopped for insurance since others with many more autos had lower rates than myself. I had been with these people for over 20 years. I found all of the major companies were willing to insure me for $40 less per month. I went with another company and waited a couple days to cancel my policy with GMAC. When speaking with agents from GMAC to cancel, they were extremely rude and laughed at me several times right on the call. I demanded a supervisor but none could be found. I was promised a phone back but a day and a half later no call. Stay clear of these people. After reading the other comments, I would never have gone with them to start. Shameful customer service. I as well as one of the posters here will be telling everyone of the poor service and post everywhere possible to stay clear!

    Reply
    • Count me in! I will be doing the same thing.

      Reply
  65. Horrible Insurance company! Stay away!!! I had to switch to National general after moving to North Carolina from Washington State. I had progressive but their rates were too high for NC insurance standards. They quoted me 324$ for 2 cars on full coverage. 2 weeks later I get notice of cancelation of full coverage to Liability… Because something they messed up on. Fixed that. 2 weeks later… My insurance went up to almost $700 because they required NC drivers license…. Fixed that… They then moved my rates too almost $500….. Got another notice of dropping full coverage again because of their mistake…. I cancelled my insurance 3 days after my 492$ monthly NEW payment …. Instead of prorating… I will only receive $40. Stay away from this JOKE of a insurance company! PLEASE

    Reply
  66. I had insurance with this company for about 25 years. I recommend that you not obtain auto insurance from them. If you are late on your payments by one minute they will cancel your policy and you will be penalized by them starting your policy all over again. If you try to move to another insurance company it will show up as if your 25 years of insurance with them is only a few months and they will charge you a much higher rate. Watch out for this company they will do anything they want. They don’t care about their customers.

    Reply
  67. I was rear-ended by someone insured with National General Insurance Company 4 months ago. This company is a JOKE! The adjusters, supervisors, regional managers are so RUDE AND UNPROFESSIONAL. My car was totalled and they refuse to pay! They have not provided a tow, rental car, ….ZERO! However, I refuse to let them treat me like this. I am filing a lawsuit, a complaint with the NY insurance commissioner, posting complaints on social media, I am contacting TV news stations and I am sending a copy of everything to the president of the company. I asked to speak to a supervisor and she was so rude and acted like a “Miss know it all” and hung up on me! I called her supervisor. ..no response….then a real idiot called me and told me he was the regional manager. Nothing was done!! He actually acted as if he was a passenger in my car at the time of the accident! The employees for this company are very shady characters. My car has over $7,000 of damage and they sent me a check for $1,052!!!!!

    They try to wear you down and want you to give up. This company should not be in business. I will continue to file massive complaints and I look forward to my day in court. I am confident the Judge will rule in my favor. This company has 331 complaints with the BBB.

    If you are having problems with this company file a complaint with your state’s commissioner of insurance and file a lawsuit against the person insured with this company. This is the only way to get justice.

    Reply
    • I couldn’t agree more. Horrible claims service. I don’t know how they remain in business!

      Reply
    • How did you file. I need to. I have been waiting for a month and have not heard anything

      Reply
  68. Worst insurance ever. They lure you in by saying they are the best for persons who tow or have R V’s. NOTHING COULD BE FUTHER FROM THE TRUTH. They suck! If you have this insurance switch now. If you have a claim it will take forever to fix your vehicle, camper exc.

    Reply
  69. Horrible, just Horrible. Insurance adjuster actually said to me I was making more of the situation than it was. My whole 1st floor was gutted out , no kitchen no bathroom everything ruined. basement took on over a foot of water ALL MY KIDS PICTURES VIDEOS GONE WE JUST MOVED IN THEY WERE IN BOXES. Really can’t believe he said that. No customer service. Took over a week to return my call /email then snapped at me and said he was on vacation.

    Reply
  70. This insurance company should be shut down. They are horrible. They don’t give 2 cents about their customers or customer service. They are rude and unprofessional. They are trying everything they can to not pay for a claim they gave approval on and now have “no record of approval” Now that my car Is repaired. They are denying coverage but expect me to come up with the money to get my car back when it’s their mistake. They consider rodent damage “wear and tear”. Wear and tear is defined and something that happens to every car and is normal for cars. Rodent damage does not fall under that catagory. Because of their lack of communication and trying to deny coverage, my vehicle has been in the shop for 3 months when it took only 2 days to repair. I’m extremely upset

    Reply
  71. After reading the reviews all I can add is “Ditto, Ditto, Ditto”. I am a charter member of Good Sam who is associated with National General Insurance as their underwriter. Unfortunately I have my RV insured with them. I had some vandalism on my basement exterior door and reported the claim on 9/21/15 and received a claim number with the adjustors name who will return my call in 48 hours. As of today, 10/8/15, I have not received a call back. I called the company again on 9/28/15 and asked for adjustors supervisor’s name and phone number. I placed the call and left a voice mail for him to return the call. Again, as of today, I have not received a call from him either. To make the situation worse I have a potential buyer for my RV and could not close the deal until I repaired the damaged door. With no calls returned I took the door to a local RV dealer who would not repair the dents but would only replace the door. I found another auto body shop and they offered to repair the dent and repaint the door. The cost of the repair was $392.00 which I have a $250.00 dollar deductible. I paid for the repair and will complete the sale this week. I placed another call this morning and was told the adjustor will call me back in 5 minutes. No call received. I plan to write a letter to Good Sam’s to inform them of this situation. I have my other vehicles covered by Allstate Insurance Co.

    Reply
  72. National General is the WORST insurance company ever. They fraudulently charge you, lie about the rate your going to get and are a nightmare to deal with regarding claims. They even made me insure my ex because she refused to send info on his new address. Horrible company do not use!!!!

    Reply
  73. My husband drove into a ditch to avoid an accident by a driver insured by this company. Luckily he sustained no physical damage. The accident happened in March and it is now September, with NO compensation. I have called and called and I get the run around, someone new is now handling the case, we will call you back, this case is complicated, etc etc. I would never recommend this company to ANYONE. We will be fortunate even get our vehicle fixed at this point. I am very frustrated. LOOK OUT for these people.

    Reply
  74. National General is a pathetic excuse for an insurance company. I filed a claim from an accident over a month ago that I was not at fault in, and still have been waiting to get my truck fixed. [Redacted], the adjuster, called twice over the past month, but now that it is time to finally pay up and get my truck fixed, she didn’t answer her phone. I called for about two weeks and finally just called the main line to get [Redacted] supervisor’s name. [Redacted], the “supervisor”, to no surprise didn’t answer the phone. So once again, I called the main line to see if there was any other person I can speak to, and they had no idea. The man put me on hold for twenty minutes, trying to get a hold of someone I could speak to, and finally came back on the line saying no one is answering. He then told me that [Redacted] is the highest up that he knows, but he won’t answer for him either. So, I am still stuck in this situation, calling to only get voicemails with no call backs. National General doesn’t care about their customers. They are a just a joke, and should be avoided. Save your self the frustration and find a different insurance company. They are a shady company and do not deserve any type of customers, because they will be your friend when they need something, but as soon as you need something they vanish. Thats not what we pay insurance every month for. If you choose to use them, USE WITH CAUTION. BE PREPARED TO BE SCREWED OVER.

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  75. I was NOT insured with this company and NEVER will be. I think it’s even worse that someone who wasn’t even insured with them had to receive the run around about obvious damages to my car caused by their insured. They insured a terrible driver. My car incurred Thousands worth of damage. Injuries were involved, and other people were also injured besides myself. They waited as long as they could to accept liability until I hired a lawyer. As long as people keep signing up with them, they’ll be able to continue to wrongfully handle hard working people. Don’t sign up with them. Spread the word so they can disappear!

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  76. This is the WORST SCAM INSURANCE COMPANY EVER!!!! Talk about BAIT ANS SWITCH??? I was quoted what appeared to be a fair price for liability on two out of five of my vehicles. Approximately three months into my new policy I received a notice that I needed to pay more than three times the original quote because they now claim I need to jump through various ridiculous hoops to regain my original quote.
    Examples: They are now requesting me to provide a copy of not only my room mates seperate auto policy but a copy of his Ca. Drivers Licence. Once I submitted that which by the way I feel is a complete invasion of his privacy. Then they turned it back on me and stated they needed a copy of my Ca. Drivers License. Ok sent it then they stated they could not offer me the original quote until I provided proof of my mileage. I ask the gentleman how? He suggested I have my car serviced (oil change etc….) so I did for both cars even though it was not time for an oil change since I rarely drive them. My everyday vehicle is a commercial vehicle. long story short a month ago I jumped ship and signed up with another Insurance provider and informed NATIONAL GENERAL INSURANCE that I was canceling my policy. I’m still receiving notices that they are now sending me to collections for over $400. So I called yesterday waited on hold over an hour spoke to three different representatives and was informed that I now need to show an additional vehicle maintenance receipt three months prior to the most recent service to show proof of mileage. This was after I threatened to call the BBB I was then transferred to a Mr [Redacted] who pretended to be a superior within the company but later admitted he was calling from a call center. WHAT A FREAKING JOKE THIS COMPANY IS!!!
    I DEFINITELY PLAN TO WARN EVERYONE THAT I KNOW AND CONTACT BBB ALONG WITH CHANNEL 9 NEWS. THESE GUYS ARE CROOKS!!!!

    Reply
    • Unfortunately the state requirements mandate that anyone in the home 14yrs or older have to be listed on the policy. If they are listed and coded as “excluded” that’s when the documentation/proof of “other insurance” is required. If it’s not obtained within the deadline given, the rate will increase.

      Reply
  77. I am going over my expenses line item by line item. I received a quote from Liberty Mutual that was less than half of what National General is charging me. I thought there might be a mistake and that there were perhaps more than two auto’s on my policy. Only two auto’s the only way I could save is if I paid in full instead of monthly. My savings would be $240.00. I think that is a lot to pay for the privilege of making monthly payments.

    I was a GM employee, have been with GM auto insurance since the early 2000’s. Buyer beware is right. I will cancel in the AM and go with Liberty Mutual.

    Reply
  78. Back in 2011 I purchased a new vehicle, 2011 Cheverolet Cruze, and was offered an awesome Insurance Premium by then GMAC. The annual policy was nearly $800 cheaper. I actually really like GMAC until the purchase of my house in early 2013. I had lived in MD for 14 years, and had my car insurance in MD. The house I purchased was in PA, so I had to begin switching everything over. I got the car registered in PA and called GMAC to switch the policy over. Figuring it shouldn’t be any more expensive, and if anything cheaper since PA has lower cost for insurance. Boy was I wrong. The quoted me at nearly 150% higher than what I had been paying in MD. Knowing that my policy was about to expire in early March I began shopping around and found a Geico agent around where I purcahsed my home that offered a monthly premium $80 less than what I had been paying in MD. So I jumped on this offer and promptly called GMAC to notify them of my change in insurance coverage. I was even warned by the lady on the phone that if I cancel my insruance policy before having an active policy with another compnay I could be fined by the State of Maryland. I did not worry about this as I was leaving the state and my vehicle was no longer registered to the state of MD.

    Approximately one year later I received a phone call from a debt collector saying I owed National General Insurance $94 for a canceled Auto Insurance Policy. I told them that they were incorrect as I had never had insurance with NGI. I was not aware at that time that GMAC had changed their name. Likely due to the shady under handed tactics their customers became privy to after being with for a while. New name, new reputation. Anyway, once I was informed that NGI was GMAC I explained the situation to the gentleman who called and he suggested I call GMAC/NGI to get this resolved. SO I did that. Sevreal times. First tme I called I was transferred and put on hold, I waited for nearly 20 minutes. Second time I called I was told it was the wrong department and I was hung up on. After several other attempts of the same thing I stopped trying.

    Now it has been 8 or 9 months since then and I am receiving calls again. Having to explain the situation all over. This time the gentleman I spoke with offered to file a dispute claim with National General Insurance. I doubt it will lead to anything, as I am sure somewhere in the dirty dealings of this business they did fabricate a bill to charge me to have some kind of “proof”. Either way my lesson has been leanred and everytime someone asks for an opinion on this company I advise them to stay as far away as possible.

    Reply
    • This, so called insurance company is a total scam…they will not pay claims and there is obviously no person you can talk to…I spoke to 31 people and they just kept transferring the call to someone else..I am out of over $9000 plus my insurance payments…DO NOT, I REPEAT, DO NOT EVEN THINK TO PURCHASE INSURANCE FROM NATIONAL GENERAL..I am now with a reputable company.

      Reply
  79. I have been a customer of GMAC for almost 9 years, during that time I have owned a travel trailer which is insured along with my truck. We only use our travel trailer for seasonal work (spring and fall) maybe one third of the year, I was just told that I can get a discount on my trailer insurance when it is stored. Funny, in 9 years I have called in every 6 months when my insurance renews and this is the first time a representative has told me about the storage discount. Mind you, every time I call in I ask how I can lower my premiums and if I am getting all of the discounts I am entitled to and I am just now finding out about this? Oh, I just received a $13.00 check in the mail today with another $18.00 check on the way. Wow, 9 years of overpaying and that’s what I get! I am switching to another company for one half of the price with the same limits etc.

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  80. My mother-in-law’s car caught fire and was completely destroyed while parked at her home Jan 12th. Took five calls and four days to get an adjuster to view the remains so we could drag the pieces off to the junkyard. The first set of paperwork concerning the claim is an authorization release to allow National General to access all financial records, credit cards, check stubs, bank accounts, mortgages, loans, business records, employment records, other insurance policies, and anything else that would establish some accuracy of her financial condition. This paperwork is required to be NOTARIZED as well!! SCAM companies ask for less than this! This is well beyond the scope of auto insuring, and means we will be finding a new and honest company for my in-law.

    Reply
  81. This is the worse company I have worked with on a claim. Not only do you not have claim adjusters in the DFW area to look at RV’s, the claim people do not keep the customer advised of what is happening or follow up on phone calls.

    I turned in my claim on Oct 14th and still have not gotten things straight with your people. Thought we got it worked out on the Dec 1, but still no check at my house and your people still call on house number when I have asked and left my cell number every time.

    I will be contacting the BBB on this, Good Sam Club, and plan on looking at other carriers of RV insurance.

    Was on the phone today to take RV out of storage for repairs, and told I have to pay for having RV out and at repair facility that you recommended, but 40 miles away from me. This toke over 30 minutes, while I was trying to talk to a person in management, and not another supervisor. Your website does not even give me numbers to call for complaint.

    Right now this is the worse insurance company I had in over 45 years.

    Reply
    • Same problem, put in a claim for my RV and have not heard from ( left v-mails ) from my adjuster in two weeks.
      Looking at switching.

      Reply
  82. MY NAME IS JEREMIAH SMITH. ON 10/21 I WAS IN A CAR DEALERSHIP AROUND 7 P.M. TRYING TO GET INSURANCE ON A NEW VEHICLE I WAS PURCHASING. THE INSURANCE AGENT ASKED ME IF I WANTED TOWING ON VEHICLE AND EXTENDED VEHICLE. INSURANCE ONLY PAY $50 FOR TOWING. I KNOW THAT IS NOT ENOUGH TO TOW A VEHICLE, SO I DECLINED, BUT NOT KNOWING I WAS ALSO DECLINING THE RENTAL COVERAGE. I HAVE BEEN WITH THIS INSURANCE COMPANY SINCE IT WAS GMAC (2006) MAYBE BEFORE THEN. ALL VEHICLES THAT I HAVE FULL COVERAGE ON HAS THE RENTAL ALONG WITH IT. NOW MY VEHICLE IS IN BODY SHOP AND YOU MEAN TO TELL ME THAT I HAVE TO PAY OUT OF MY POCKET DUE TO A MISUNDERSTANDING….I AM HIGHLY UPSET AND I WILL BE GETTING A NEW INSURANCE COMPANY BEING I BEEN HERE THIS LONG.

    Reply
  83. First off I don’t live with my parents I have my own car and insurance with nationwide. But anyway my dad fell and had an ambiance take him to the hospital so I went up to my parents house to Check on my mom. Well my dad hurt his shoulder but not that bad thank goodness! He called me and told me to bring his car and pick him up well on my way up to the hospital I hit 2 deers walking across the interstate. I hit them both didn’t do much damage. So yes police report etc. made a claim with my dads insurance on comprehensive here we are 2 weeks after the accident no call backs or anything my dad finally had to call his agent to get ahold of the adjuster. Finally on Friday nov 14 2014 she said the claim was going through the claims desk review. So here we are going into the 18th haven’t heard anything at all. We call the adjuster and her supervisor no call backs at all. My dad only has 30% heart left. This is to much stress for elderly parents to babysit there own insurance company. I give them NO STARS!!!

    Reply
  84. Am not insured by NGIC, but had my car totaled by someone who is. They also left the scene, but I got their license plate # and turned in to police officer. That was 9/5/14 and I have not been paid for my car. Luckily I had another vehicle to drive or I would be renting at this time. My car is still in storage at the tow company and is accumulating charges every day, but I cannot get a response from CS. Finally let me know on 10/6 that the claim was turned over to Total Loss Specialist. Have not heard from her either. Called on 10/9, had to leave a message, no response as of 10/10 at 12:41 pm. Don’t know what to do at this point. Lawyer? Insurance Commisioner?

    Reply
    • Hi Connie,

      If it were me, I would call every day and get names as well as direct numbers to those contacts. In these types of cases, it is often the squeaky wheel that gets the oil.

      Should it progress further, getting representation may be the next step.

      Best,
      Eric Stauffer

      Reply
  85. I gor rearended one month ago and have yet to get my car fixed. i have spent more time trying to have someone get back to me. with no luck. I have been driving with my bumper hanging off, tied up with rope. i have made report after report. I cant belieive this bs.

    Reply
  86. I HAVE BEEN INSURED BY YOUR COMPANY FOR 6 MONTHS. I AM EXTREMELY DISAPPOINTED WITH YOUR BAIT AND SWITCH METHODS ON THE PREMIUMS, I HAVE BEEN PAYING ONE PRICE FOR 6 MONTHS AND NOW YOU HAVE INCREASED MY POLICY FOR NO REASON AN ADDITONAL 50%. AND THEN YOU HAVE THE NERVE TO CHARGE ME A 50.00 CANCELLATION FEE. YOUR CUSTOMER SERVICE DID NOT LET ME SPEAK TO A SUPERVISOR WHEN I ASKED. I WILL NEVER DO BUSINESS WITH YOUR COMPANY AGAIN.

    Reply
  87. Today we waited 6 hours 3 feet off of I 5 near Williams, Ca. Not just waiting for a tire change on our r.v. but having constant calls with people who said they had no record of us or our policy number. We were given different numbers and then told THEY had no customers by that name or policy number. (Even though I was holding my policy plan in my hand as I spoke.) Our insurance people should have been there for us earlier. We still don’t know what happened with our policy but wanted you to know how disappointed we are.

    Reply

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