GMAC Insurance

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Horrible Service
Posted by on
Rating: 1/51
WINSTON SALEM, CALIFORNIA -- Horrible! I got into an accident with a driver insured by them on 6/8/2013
today is 7/21/13 and I'm still driving around my damaged car because they take so long to take care of things.
There was a injury adjuster and a vehicle damage adjuster and both of them are almost impossible to get a hold of. Never answers their office phone and you have to call their direct line at least 3 or 4 times to have them actually pick up.

For vehicle damage, integon GMAC (national general insurance is their new name) took almost 2 weeks just to clear liability when the driver insured by them hit me because she was making an illegal u-turn over a double yellow line... Let me make it clear that she made an illegal!!!!!!! U-turn. WTF? She's automatically at fault for causing a collision due to her stupid driving skills.
I don't understand how they could even consider thinking that I could have some fault in it when I was just driving in a straight line in my lane... Adjuster told me some crap about how it's all about prevention and my distance from the u-turning car can affect whether I hit her on purpose or not...
Thank god I had a witness but it took them 2 weeks to contact the witness and clear liability.
Now rental car coverage, first they informed me that if the damage costs on my car exceeded her insurance plan they could not cover me with a rental car. WTF?!
But thank god it didn't.
They make false promises saying they'll get me a rental by a certain date which I told them I need a rental before my 4th of July long distance vacation drive. I told them this about 3 times on different days. Of course they didn't get it to me and I argued over the phone for that. It is now July 21st and I won't get the rental until the 24th.

Now for the injury claim... I know that by law, you need to have bodily coverage with your own insurance in order to claim injury with the insurance company at fault.
So I faxed them my AAA insurance declarations page that has policy number, bodily coverage policy, my name, and expiration date.
But the injury adjuster at GMAC said that was not enough because people can cancel their policy after receiving the declarations page, and that she needed to see a proof of insurance.
I called triple a and they told me that my declarations page is my proof of insurance and the proof of insurance card only has vehicle information.
I called the GMAC adjuster back and told her what triple a told me. Then she said "okay, then the declarations page is fine."
WTF!!!!!!!!! First she says she won't accept it, and now it's fine?!
She then offers me some lowball amount for compensation and I type a demand letter asking for more.
She gives me a new higher offer but one that is still lower than my demand and she says this is the "final offer." -___- B**ch if I file a small claim then you and your driver has to come to court and then you'd have more at loss than what I'm asking... Final offer my a$$!
She's lucky I don't have the time on my hands to go and file a small claims.
So we decide to settle at their second offer, but let's see how long it takes for the check to be mailed even though she said she'll mail it this week.
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saj80 on 07/23/2013:
You should never deal with the other driver's insurance company directly, that's why you pay premiums to your company. If you haven't already contacted your carrier, do so immediately and let them resolve this.
clutzycook on 07/23/2013:
What a mess. Is your insurance helping you at all with this?
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Customer Service Stinks
Posted by on
Rating: 1/51
WISCONSIN -- Supposed to get a free $25.00 Visa card for obtaining a quote on auto/home insurance. I got a special extra discount for being a GM retiree so I thought I'd get a free quote. I didn't go with them, kept my old insurance but got card in mail. Too bad the Visa card is a hoax. GMAC Customer Service told me the card will work - basically, I'm nuts. Not true, there I was in line at a store and the card was rejected. Embarrassing. I even got the name of a guy who promised to take care of this and call me back. After calling HIM three times, leaving my name and number because he won't call me back, no help, still have a card that doesn't work. Why bother sending out fake cards to people? They should be ashamed. The guy never called me back he could at least say sorry, but I can't solve this problem. I wouldn't have GMAC Insurance if it was free what if you have a claim from an accident? Who would help you??? this same guy who won't call me back?
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olie on 11/16/2012:
Sometimes the card needs to be activated before you can use it. Look at the small type on the back of the card. You'll see a toll-free number or a web address that you can used to register and activate the card.

And then you can find the terms for use, and what to do when you have only 39 cents left on the card,or what your balance is.(Cashiers at the store can't access this information for you.)
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GMAC Errors
Posted by on
ITALY, TEXAS -- I obtained a GMAC auto/rv policy in April of 2007. I was told that my 1st payment would be deducted on June 15th. On May 15th, they deducted the 1st payment. In October, we notified them that we would be taking our trailer out for vacation, and asked that they change it from "in storage" status. One week later, I called and asked them to change it back to "in storage" as we were back home. They said, "it already is in storage". They had made no change. On March 10th, I told them I was not renewing my policy. DO NOT DEDUCT ANY PAYMENT FROM MY ACCOUNT. They deducted it on March 17th? I still don't have it back. This is for a policy I am not renewing? They were supposed to overnight a refund of an unauthorized deduction on Wednesday. They failed to do so. Three strikes, they're out! Do not use GMAC, they are totally incompetent.
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tnchuck100 on 03/21/2008:
Another example of why you should NEVER give your bank account information to any company. Auto-pay is generally a bad idea. When you allow this these companies will take what they want when they want. You lose control.
forcomplaintsonly on 03/21/2008:
I use direct pay with GMAC and have for several years and never have had a problem. We have access online to our checking accout, so I regularly check it to make sure nothing fishy going on. Same with my credit card companies. We online access it is hard for companies to get away with it, because they know you can check up on them and get a quick response.
tnchuck100 on 03/21/2008:
forcomplaintsonly, you have just not had a problem....yet! Consider the average guy living paycheck-to-paycheck. An incorrect automatic debit can easily lead to multiple overdraft fees. Even if you can get the debit corrected you are still out the fees.

For myself and possibly you, our finances are not tight enough to get caught by this. But the typical working man must consider it. There are many complaints on this site where auto-pay has caused much grief.

Personally, I will not relinquish control of my bank account to 3rd parties.
forcomplaintsonly on 03/21/2008:
Yes, I have lived that way for a long time, living paycheck to paycheck, but I also had a budget so that I wouldn't run into this. I am not jumping you, I know a lot of people live paycheck to paycheck, sometimes out of necessity and others because they don't know how to manage their money. I really feel sorry for the ones that have to do it that way out of necessity, but for the ones who do it, because they have no self-control, I don't feel sorry for them, unless they have kids, even then I don't feel sorry for the parents, but for the kids.
tnchuck100 on 03/21/2008:
I did not feel you were jumping on me at all. This is a good discussion for people to see points of view.

It's not really a self-control issue as much as it is an unethical, greedy big corporation taking money from your bank account when they were not entitled to it. This practice is very common with satellite TV providers and cell phone companies. Charging for unreturned equipment, early termination fees, etc. All in error.
forcomplaintsonly on 03/21/2008:
The self-control issue was pointing more to the people who live paycheck to paycheck, because they go out and buy what they want when they want, instead of deciding, "well, my finances are not good right now, so I will wait", so many "rob peter to pay paul, so to say."
Leidback on 03/21/2008:
The problem I had with the unauthorized autopay that they removed was that they had assured me it would not happen when I told them not to renew. And I had made an appointment with an allergist for some expensive tests today. And of course, they wanted payment up front. So I ended up making an 86 mile round trip to get money from savings to deposit in my checking (2 different entities) to cover my medical costs because GMAC did not do what they said they were going to do.
tigergem on 08/27/2011:
GMAC has been awful. I have had nothing BUT billing issues with them for the past year or so. Seems like every single month. My insurance due date is the 12th of the month. If I pay the insurance on the Friday before the due date, fine, no problem. If I pay it on the 12th sometimes they try to charge a $10.00 late fee, so that has to be corrected. Then if you pay it "too soon", as in before the due date, say around the 20th of the previous month, they apply the payment to the wrong month and will tell you there is still a premium due on the 12th. Even if you just paid it. But they won't send you a notice in the mail. Oh no. You have to call in all the time and babysit the status of your policy to find out if they are trying to sneak in a fee. And they will! Even if the Customer Service Specialist says "no fee" they will add one. And if you make any changes to your policy, they will change your deductible amount and not bother to tell you. So you have to stay on top of that, as well. Now, I filed a claim and this is the first time I have filed a claim with them. I filed it online yesterday. Today they have no record of the claim in their system. They won't have a record of it until Monday. There is no information available about their drive in claim service department and they don't have a list. The email confirmation of the online claim contains an incorrect phone number to what appears to be a phone sex hotline, so I had to locate a different phone number to call them to find out this information. I am trying to quotes for different insurance because as of right now I have zero confidence in this insurance company to do anything right. And no I will never EVER give them my checking account information. They asked me for it again today when I called and was unable to find out any information about my claim from yesterday. FAT CHANCE OF THAT lol! Oh and they also tried to sell me other insurance. Yeah right. AS IF I am about to but another policy from them. As of right now I am trying to get other quotes from other carriers before my renewal date next month.
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Posted by on
Rating: 1/51
MICHIGAN -- GMAC Credit Card (gift) Is a lot of crab. Embarrassed me when I went to use them also. I won't ever USE anyone that does work in this manner. Even if you were cheaper I wouldn't go with a SCAM company. : )~

Don't care anything about your TERMS OF SERVICE or YOUR Insurance.
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Tezrien on 12/14/2012:
Wow there is really an overuse of the terms scam and scammer on here lately. How did they rip you off and what did they due to make you think it was a scam?
Susan on 12/14/2012:
Sounds like you received a gift card in exchange for an insurance quote. Your issue with the gift card is most likly the fault of the subcontractor they hired to issue them not GMAC.
spiderman2 on 12/14/2012:
Your complaint should be directed at GMAC credit cards not GMAC Insurance. I would like to know how they scammed and embarrassed you. The detail would be very helpful and informative.
At Your Service on 12/15/2012:
Unfortunately there seems to be a lack of details. I would guess there's been a gift card provided that wasn't active. Have you contacted them about the issue?
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GMAC is crooked
Posted by on
GREENVILLE, NORTH CAROLINA -- OK I had an accident that is being considered my fault. That's seems to be now the easiest part of it so far. I have had an adjuster out to look at the truck and that's all he did was look. did not consider the mechanical stuff that is wrong and sent me a check. I did not cash it. Call to tell them I would need a rental car my truck would be in the shop for a couple of weeks. I have full coverage that doesn't mean rental while truck is worked on. I was shocked. Why not I asked I was told you didn t choose rental coverage he says. I was never told that you had to buy that apart from full coverage. Yes you were he says. I repeat again oh no I woulds remember that. He and I have a few choise words I was not the nicest. I am pissed really pissed how to get truck fixed and no car to drive while being fixed. Blows me away. So I receive a call back from GMAC agent that I can come over today and cancel my policy if I wanted. I said check the address on my policy I live four hours away from him don't call me back. But the crooked part is this the company doesn't tell me that if I wreck my turck and its my fault I will have to walk until it gets fixed. But this agent will advise me to cancel my policy today knowing it will cause a laps in my policy and fines and extra cost would hurt me worse. Gmac is crooked lying jerks don't trust them to help or protect you. Go anywhere but them.
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Skye on 06/21/2010:
Rental coverage is not part of full coverage. That is a separate coverage policy charge, and it's something you pay extra for.It's very inexpensive, but well worth it. It's always best to make sure you know what your policy offers, and what exactly you are covered for, before you have an accident. It isn't their fault. I'm sorry you had to find out the hard way. Whatever automobile insurance you decide to switch to, make sure you tell them you want car rental on your policy, so this does not happen again.

On my policy, it is listed as:

Rental Reimbursement Coverage, up to $50.00 per day for a maximum of 30 days.

You can tell them the amount you want it for, such as we have $50.00 per day, but they do start at $20.00 per day. Just remember, you won't find much for $20.00 per day.

This is how it works for automobile policies. We have Allstate.
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Errors in Reporting
Posted by on
TAMPA, FLORIDA -- GMAC has me listed with 2-accidents "at fault". I have not had an at fault accident in over 15-years!! They claim that I have filed an accident claim in 11-04, and 2-07. The one in 04 just plain never happened. The claim in 07 was when a truck hit my parked car at a gas pump. I was not even in the car..I was paying for my gas. GMAC admits that there is an error and will "call me back in 24-hours". It has been several weeks now with multiple calls to GMAC, but they have YET to call me back or rectify the situation.

I am trying to switch insurance companies BUT HAVE HIGH RATES DUE TO GMAC'S ERRORS. GMAC has me "land locked" into their insurance company by false/erroneous reporting.

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beanbagbritches on 12/30/2007:
Have you contacted the DMV regarding the chargeability of the accident? That is where the accident records stem from...
gotti on 12/30/2007:
Actually,they are recorded via a company called "Clue", which is an insurancereporting company. There is no record of them in the DMV. The insurance companies put them on, and only the insurance companies can take them off. GMAC has promised me a call back every day for almost a month.
beanbagbritches on 01/01/2008:
got're right. I had forgotten that information. Perhaps you can stop by a local GMAC office & have the agent there call the company headquarters for you?
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