Is National General the old GMAC insurance ?We had GMAC which changed 2 or 3 years ago to National General. Their rates are great. We pay just over $700 annual for full timers/full coverage. BUT we are currently going through a hail claim from July 7TH and still have no idea when they will settle. Included in the claim was our brand new car and our 6X12 cargo trailer. All I can say is... National General is a Circus and I have talked to every Clown there. They have to hire independent appraisers, (none in Colorado). The prices from them are far from reality. The damage to our car was underestimated by close to 30%. They didn't search for used comps on our trailer. The comps they tried to use were cheap new ones. I had to find the comps myself. IT TOOK APPROX 4 MINUTES of Google to find used, same year, same size, same model, sold this year comps. The used ones sold for 33% more than their "new" comps. The current equivelent trailer sells for TWICE the amount of their comps.
Our bus is the next fight. So far all they seem to be concerned about is whether or not a previous hail claim was repaired. (It was repaired by me). I submitted a copy of my Oregon title which is branded from that incident as "Totaled" It was inspected by the State of Oregon and deemed "Reconstructed". The new title has both terms on it. Their only focus seems to be on proving that I'm trying to commit fraud. They have sent 2 guys over taking pictures, they have hired 2 different people to try and estimate it's worth. They have now hired someone to go over and compare the old pictures to the new ones. I had to get and send everything from the previous Progressive claim, pictures and all.
Our car was parked 4 FEET away and got 4K worth of hail damage, our trailer was parked 12 FEET away and was totaled, Yet they are worried about whether one or two dents are left from before.
Our trailer has so many hail dents that you couldn't place a dollar bill anywhere without touching several hail dents.
As bad as this current, (nearly 8 weeks old), deal is... the Progressive claim 5 years ago was much worse.
Like someone else said... You'll find out what kind of coverage you have when you make a claim...