National General Insurance Reviews
2.69 / 5 based on 53 Reviews | Submit Your ReviewSatisfactionClaimsCostBillingService
Based in Winston-Salem, North Carolina, GMAC Insurance is affiliated with GMAC Mortgage (a home mortgage corporation) and GMAC Finance, which offers financing on new and used vehicles. GMAC Insurance is also a part of the General Motors (GM) Corporation, and was the first insurance company in the United States to be founded by an automobile manufacturer.
Company Information13736 Riverport Drive
Maryland Heights, MO 63043
(336) 435-2022 (Fax)
Last Updated: 2018-02-19
Company Reviews (53)
Refused to accept claim. Rude customer service. , May, 2016
Just bought a new car. Card was given to me by dealership. 8 days into policy my car was vandalized while it was parked at my job. No cameras in employee parking lot. Even though police who wrote report confirmed it has happened to other employees there they called me a liar, my claim false, and refused to help me pay for it. They were very rude. Manager included. Even though I have full coverage i'm stuck paying a $1,400 repair bill for something I didn't do and should be covered. Worse experience of my life.
BEWARE HORRIBLE COMPANY, June, 2016
starNational General Insurance deserves a 0 Star rating! BEWARE of THIS INSURANCE COMPANY. Recently my son was involved in an auto accident that was 100% the fault of the other driver. The other driver was texting and driving and slammed into him causing him to hit the car in front of him because they were both stopped. Our son told the insurance adjuster he was staying with his grandparents in Oregon at the time of the accident. Because of this detail, they are trying to get out of offering us any assistance. It will cost them nothing because ultimately the other driver is at fault, however, they have spent the last three weeks trying to get out of helping us with this claim at all and are telling us it's because the car was "Garaged" somewhere else. We have paid them thousands of dollars and NEVER EVER filed a claim. The first time we need their assistance, they cancel our policy and don't want to help us settle with the driver's insurance company. I can't warn you enough to stay away from these guys. The way they have treated us...it's hard to believe they'd treat a victim of an accident that had injuries this way. SHAME ON THEM!
Poor service, March, 2016
Being a GM employee I made the mistake of going with the company's auto insurance. Big mistake. They were slow to process my claim (which wasn't my fault). They did not pay for parts they considered too old even though I had just replaced those very parts. The service rep was unprofessional.
horrible, January, 2014
this is the worst insurance I ever had. I authorized them to take my payments out of my account and they decided to take out double what I was supposed to pay. I got a new car and they raised me a lot. I decided to look for cheaper insurance and geico was $100 cheaper a month so I cancelled my insurance with gmac and now they r trying to charge me for cancelling..really??? this insurance company is all about money and screwing their clients..people are better off staying away from this company they are rip offs and a thief.
JIK, January, 2015
This is the worst company I ever did business with! They are now folded into National General. Filing a claim has been a nightmare, with absolutely an unreasonable offer and no negotiating whatsoever.
They SUCK., July, 2016
The moat horrible insurance company I have ever been with in my 40 years of buying insurance. Agent asked that I bring in my old policy in which I did. He copied all info. Had me sign the papers. Neglected to disclose that he did not include my daughter ( so he could give me a low quote ) 6 months later my daughter has a accident, THESE JERKS REFUSE TO PAY CITING SHE WAS NOT ON THE POLICY. SHE DOESN'T even live with us. They had no intention of covering us. DO NOT USE THIS COMPANY. THEY WILL SCREW YOU! !!!!
EXPENSIVE!!!! RIP OFF!!!!!!, June, 2016
I was told I needed to insure my RV immediately (at Camping World) and they passed me a phone and offered to start my coverage asap. They set me up on a 1 year plan.
I decided to shop their cost against State Farm. National General was 6 times more expensive. SIX TIMES!!! I called to cancel the insurance and lo and behold, the cost to cancel the insurance plan cost me the same as two years of coverage from State Farm!!! Then they proceeded to threaten sending my account to collections if I didn't pay their ransom.
STAY AWAY! STAY FAR FAR AWAY! RIP OFF!!!
POOR SERVICE, April, 2016
THIS COMPANY IS REALLY SOMETHING I DONT THINK I WILL BE RENEW. YOU MIGHT BE SAVING MONEY BUT THE SERVICE IS NOT WORTH IT. YOU CALL THE 800 NUMBER AND I PROMISE THEY HATE THERE JOB. YOU THINK YOU PAYING YOUR INSURANCE THATS WHY THEY HAVE A JOB AND THEY TREAT YOU POORLY.
Horrible customer service, November, 2015
If you need to make any policy changes and you don't mind being passed around on the phone for hours on end then I'd say this is the company for you. It's nearly impossible to talk to anyone other than a bot and if you do talk to a person they just transfer you to another bot loop.
Fire brush, May, 2013
After being with this company they decided our zip code was in a fire brush area and cxld our policy
TERRIBLE CLAIMS, September, 2016
RUN AS FAST AS YOU CAN FROM THIS GOOD SAM RV INSURANCE COMPANY....ALL THE REVIEWS YOU READ ARE TRUE....MY TRAILER HITCH BROKE OFF IN ATLANTA AND THE TRAILER SMASHED INTO THE RV..THEY DID NOTHING TO SOOTH THE PROBLEM AT ALL... AND MONTHS LATER THEY TRY TO SETTLE IT FOR $1,000.00 THE ENTIRE BEDROOM WAS CAVED IN LADDER SMASHED INTO BEDROOM...WHOLE RV WAS CRACKED AND THEY ONLY PAID TRAILER DAMAGE AND CLAIMED IT WAS THE RV DAMAGE....THESE PEOPLE ARE STRAIGHT CROOKS....THIS INSURANCE INST WORTH A PENNY...IF YOU BUY THIS INSURANCE ....YOU WILL BE DRIVING WITHOUT INSURANCE....WORST INSURANCE I'VE EVER HAD IN MY 50 YEARS DRIVING...BUYING THIS INSURANCE IS PAYING THEM TO SCREW YOU OVER
GMAC Since 1986, May, 2013
I have had GMAC coverage thru the Good Sam RV club for many years and have mostly been happy with them, except they (and their subsidiary "Homesite") are no longer providing homeowner coverage in FL. I would be happy to renew if they stayed.
Confused about Non-Renewal, December, 2012
I'm confused why after 7 years and a recent claim why they will not renew now - 02/06/13.
JUST LIKE HAVING NO INSURANCE, February, 2017
We are having to sue our insurance company for hail damage to our RV. They wouldn't even look at it. The automatic response is no...long term damage. This is for a 2 year old RV. We got National General Insurance through Good Sam. We have had to cancel several trips due to having to wait for the legal process. There are plenty of better choices.
Horrible Customer Service Ever!!!!, December, 2016
Recently filed a claim because one of their insurers rear ended me. It was clearly his fault and they did not want to pay me for me to get my car fixed. I haf my 9 month old son in the car with me at the time of accident. So by law if you have children in a car seat and you are in an accident, you have to replace that car seat. I was told by one of their reps to purchase my car seat and email him the picts of the old car seat and the receipt of the new car seat. It has been over a month and I have yet to receive my reimbursement. I call and leave messages over and over again almost everyday and I continue to get the voicemail of this representative that is suppose to be helping me in this claim. He never calls back and quite frankly I think it's sad. This is the worst insurance company with the worst customer service. Do not waste your time on purchasing their insurance. They may be affordable, but it's not worth it.
Rude and unhelpful, August, 2016
The policy we had with them was too pricy. I only went with them because I was working for USPS an they were the only company that would insure my vehicle while delivering mail. When I got a company truck, I switched to a cheaper insurance company. Our new agent said to let our national general insurance just run out. National general then claimed that they covered us for 14 days into the month after we stopped paying and billed us for half a month. When we refused to pay they hired a collection agency to come after the money. We pleaded our case with the collection agency, but they didn't seem to care. Now we either have to pay for coverage we didn't ask for, or take a hit to our credit. Crooked insurance agency. Do not go with them, there are way better options out there.
Horrible , August, 2016
I wouldn't even give national general one star. The customer service is terrible. My policy was paid in full and wasn't up for renewal until August 19,16. I called August 2,2016 and cancelled my insurance due to selling the car. I asked the agent if I would be charged anything to cancel and he assured me that I wouldn't since my policy was paid in full. The following Friday i received a bill for $33.00 I immedently called and the agent told me I was charged for a $50.00 cancellation fee and they deducted $17.00 in over payment which brought the total to $33.00. The agent said they would have to pull the prior call and return my call. I never received a call so I called back and another agent told me I was going to be charged $50.00 regardless to what the prior rep stated.
Refused to cover legit claim!!, October, 2017
We hit a large bird with our motorhome. Although we checked for damage at the time (none apparent), the bird cracked the seal around the windshield. All of the wood rotted under the dash and firewall between the engine and coach. The water never came inside the motorhome, however, so we had no idea that it was leaking and incurring water damage. $5900 later National General informed us that they would not cover the damage because we did not date and document the bird encounter, I have never dated and documented a bird hit in my life!!! That would be like documenting when a butterfly is hit. Anyone on the road near dairy country knows that there are large birds. Apparently National General does not believe in road hazards. One representative even made the comment that deer are only on farms!!! Do NOT use this insurance company! They are more expensive than others and do not pay legitimate claims!!
poor customer service what's the point of filling!, July, 2017
My car was subpost to be fixed my back bumper and my front bumper they started refusing to fix my car once it was in the shop and not to fix parts of my car that was in the claim. Why should my insurance go up of they didn't fix my car that I made a claim for!
Got a claim and they refused to pay ., January, 2017
Had accident and wasn't my fault but according to police report no evidence who's fault and according to that they refused to pay. They are horrible company. Horrible customer service.
Horrible service, October, 2016
horrible service, will never use them again, people in Cleveland office are very unprofessional and rude. stick to a local agent
Worst insurance ever, September, 2016
AVOID THEM, GO WITH YOUR OWN AUTO COMPANY, DO YOUR RESEARCH. Purchased through Camping World/Good Sam Club when purchasing a new trailer. Should have put under our auto insurance. Filed claim for hail/ water damage to our trailer in Nisswa, MN 6/19/2016 (all in news) under Nisswa,MN 6/19/2016 storm. Denied, told storm never occured, we must have done the damage through maintenance neglect. Our truck sustained $5k plus hail damage (Insured Hartford,quickly fixed) supporting our storm defense. Did not matter to NGI. Should have checked there ratings, but trusted Good Sam. Pulling up Good Sam website. People who purchased as I did gave them 1/2 star. Same as us claims denied. What do these people do with our premiums? I have turned over to BBB. Will pursue every avenue possible to take them on. After a few frustrating phone calls, last message was we can at our cost strip the trailer down and they would come and trace the water damage lines. A person pays their premiums in good faith. Why do we puchase insurance? To protect our property. NCI is only interested in making money, not paying legitimate claims to honest people who put their trust in this greedy company.
Horrible Customer Service, October, 2013
My wife & I were planning an RV trip last March. I went to my file to get my RV policy & couldn't find a current policy. I went on-line only to discover my insurance had been cancelled in August of 2012!
Why? Lack of payment. Had I paid? No. Was I contacted in advance advising me my policy was coming due? No. Was I notified that due to lack of payment my policy would be cancelled? No. Was I notified that my insurance had been cancelled? No. I had no insurance on my new 5th wheel trailer for 8 Months. I was never notified until around September 1st, 2013 from a collection
agency. Only then did I learn that GMAC had sent the claim to a collection agency. In talking to GMAC, I learned that Az. law requires insurance companies to cover the insured for an additional week. I was being billed almost $100 for a week's worth of insurance. Some of the claim was for a late fee! Well, was I upset?Yes. I told the person from GMAC that I had never in my 50+ years paying insurance ever been treated so shabbily & refused to pay until my Insurance Agent in Az. was consulted.
Was I a rare case? Don't know. Will I ever use them again? Absolutely not!
Sucks, March, 2013
Not worth the paper it was written on!!!! Claims was slow and inept. Did not return phone calls promptly or at all.
Horrible, May, 2016
Tried everything to wear me down and their check also bounced costing me $12 that they haven't refunded. The ultimate worst.
WORST EXPERIENCE EVER.. WE WILL NOT RENEW , November, 2016
My daughters car was damaged in the Hurricane we just had and they have kept us in the dark of what was going on with the process. We have called and still nothing. We called today and they told us they would not accept the claim. That is why you pay insurance in case their is a claim. The car was damaged by wind and rain in the Hurricane, we didn't know about it because it is my daughters car and she was away at her boyfriends. When she came home is when we found out their was damage from the storm. It was 2 weeks later. As soon as I found out about the damage I turned it in. They are claiming it was not direct and accidental. A hurricane is direct and accidental. I am not laying down I am fighting them. I have already lodged a complaint with the DOI. The practices they are doing is 100% illegal and they should be turned in and investigated for their illegal and immoral practices. You want something done about this company start turning them in to the DOI. I know my rights as a consumer and how shady this company is being.
Cancelled, July, 2012
GMAC notified me that Homesite Insurance would no longer offer policies in Florida, so I was forced to obtain other coverage.
PACKAGE WITH CAR, March, 2014
CAR AND HOUSEHOLD INSURANCE GREAT
This is a good company, July, 2012
This is a good company, I really like kim. Would I leave the company for a cheaper policy with the same coverage, yes, but only because I'm on a fixed income and need to keep my monthly bills as low as possible
gmac insurance, October, 2012
WAS VERY SATIFIED WITH GMAC. THEY ARE NO LONGER INSURING HOMES IN FL. HAD ONE CLAIM AD THEY TOOK CARE OF IT POWER SURGE ON AC
Great value foe little cost!, March, 2012
Gmac so far been a great insuance company. It is difficult to find a company with these rates and coverage in my area.
1 star is too much!, December, 2017
I had a car accident and nobody returns phone calls or emails. They are quick to collect payment but when something happens to you. You are sh!t out of luck!
CHEAP but HORRIBLE , January, 2017
Thats right, this insurance is cheap, So you might be happy when you first joined, I have had this insurance for two years. HORRIBLE experience started two month ago. Comprehensive claim happened two month ago. Kim was the person who was holding my case but before I receive the check, she no longer working there anymore WHAT!!?? It has been now two months after the incident that I have not received the check yet. They sent the check to the wrong address which Kim said the check was going to me but the check was mailed out to the wrong body shop HOW COME!!? Please tell me what I can do to get the check, the check doesn't belong to me. It belongs to the body shop. DON'T GO CHEAP IT'S HORRIBLE
Best Company I've ever had, December, 2016
National General Insurance and Good Sam have provided me phenomenal coverage over the last few years. I've had a few claims both on auto and home and they were both handled wonderfully and in a timely fashion. I was with state farm for 20 years and never received this level over service in all 20 years in 3.
Stay far away, July, 2016
They harass you daily by calling your cell phone even if you don't have a policy with them. And when you call to get them to quit calling you they blatantly lie to you and say they will remove your number but they never do. If they lie about this they can't be trusted for anything.
GMAC IS NO LONGER WRITING POLICIES IN FLORIDA
GMAC IS NO LONGER DOING BUSINESS IN FL. AS HOMEOWNERS INSURANCE. HAVE BEEN VERY SATIFIED WITH GMAC
GMAC Good Sam, August, 2012
We have insurede with GMAC through Good Sam for our RV and auto and have been pretty satisfied with them. We have basic liability on car and RV + contents.
beware on medical insurance, January, 2017
We got a 1 month medical insurance policy because our insurance at the end of the year changed and my husband was going on Medicare (turning 65) in Feb. The companies web site was not functioning correctly and it made our insurance from Dec 15-Jan 15. We needed it from Jan 1- Jan 31. They would not correct THEIR mistake. Beware also that they will continue to charge you a $15.00 charge monthly even though you do not have insurance.
reason for seeking new insurer, August, 2012
will no longer insure in FL
Underwriter doesn't provide insurance in FL, August, 2012
They have changed underwriters and offering others, but I would like to find my own.
good, July, 2012
Never had a problem, payment through escrow was easy, not sure why we they are leaving Florida. Hope to get some insurance at an affordable cost without delay.
More About National General Insurance
GMAC Insurance is available throughout the United States. Although the company is affiliated with General Motors, you do not need to own a GM car in order to have them as your insurance provider. The GMAC Insurance website has a learning center full of information about every type of insurance that they offer, including:
- Automobile Insurance
- Home Insurance
- Recreational Vehicle (RV) Insurance
- Commercial Vehicle Insurance
- Motorcycle Insurance
- Mexico Insurance
- Collector/Classic Car Insurance
- Health Insurance
- GM/GMAC Customer Discounts for those who have more than one GMAC account or who own a GM vehicle.
- Paid-in-Full Discount for paying for your insurance policy up front rather than in installments.
- Multi-Vehicle Discount for having more than one vehicle combined on a single policy. This includes RV's, motorcycles, and automobiles.
- GM Loyalty Discount for those who own only GM vehicles that are insured with GMAC Insurance.
- Safe-Driver Discounts for people who have completed a safe-driver course or who have an active OnStar account.
- Motorcycle Discounts for those who are considered safe riders, or who have multiple vehicles on their policy along with their motorcycles.
- OnStar Subscriber Discounts for people who have an active OnStar account.
- Low Mileage Discounts for people who only drive less than 15,000 total in a single year.
- GM Family First Discounts for customers who either work for GM or have a direct family member who does.
- Affinity Discounts for people who support various charities and organizations.
- GM Supplier Discount for people who work for a company that supplies parts and other items to General Motors.
Besides the online learning center, the GMAC website also has an online claims center, and customer care section. You can receive an online quote, manage your policy, or find a local GMAC insurance agent to contact if you have additional questions.