Good Sam / NGIC-Integon / Allstate

[TDeakins]

When we first began full-time RV’ing almost 4 years ago, we signed-up with a Good Sam agency who wrote us a policy with NGIC (and affiliate, Integon). Shortly after, our new 5th wheel hitch failed after 25 miles of mountain towing and damaged truck and trailer. The response from our agent and the two - one for the truck and one for the trailer - was 95% perfection. Found out later, though, that they coded this single incident as two “at fault” claims. Since then, NGIC was purchased by Allstate. I know Allstate from multiple perspectives, although never knowingly as a customer … until now. My view of Allstate has been and remains that they gladly take your money while organized around business model that denies claims as their 1st response forcing policy holders to work through a complicated protest process. So, we recently encountered an object in the road on I-40 which ripped one of our suspension hangers off the frame leaving the leaf springs swinging freely. We had a new one welded and bolted back to the frame and submitted a claim for $1,580 to NGIC. At first, the claims adjuster said that it would be processed quickly and a check sent promptly. A few days later, the adjuster called to say that the claim was essentially denied. She sent me an email stating that denial was based on the damage being faulty maintenance and/ or “component failure” … no has been able to explain why that would be a just cause for denial. My heretofore agent is clearly dodging my phone calls and the claims desk has not been forthcoming with answers to my questions. So … why the difference in response between this claim and the previous? Allstate … what can I say.