National Grange Mutual Insurance Company

Do NOT go with this company! I was in an accident that was not my fault and NGM (who is my carrier) gave me a horribly low offer on my car It wasn't even close to fair market value The company has agreements with other insurance carriers to offer low compensation for damages, so that when one of their insureds is at fault, the other carrier doesn't overpay either NGM isn't even the one taking a hit; the carrier of the person who hit me is My husband and I have great driving records, a home policy, umbrella policy, endorsements, and four autos with NGM and you think that they would want to retain their good customers We have young children who aren't even close to driving age
I did my own research to show that my car is valued much higher on other rating sites and on used car sites, but NGM wouldn't accept my research The amount they gave me was $3k lower than other sites
Beware of selecting this company as your carrier!

Claims adjuster unwilling or unable to process reported insurance claim for greater than 1 month. Unable to reach Claim Supervisor to report problem. I am the claimant involving a motor vehicle accident claim (21M1055B), dated 2/16/2014. Incident reported to Main Street America Group by phone 2/17/2014.Insured party does not contest claim. After multiple telephone and e-mail correspondence's, the claims representative for company will not settle claim or post liability for greater than 1 month's time. Supervisor for Main Street America has been unresponsive to numerous requests for clarification and explanation of delay. No phone calls or e-mails returned by supervisor for greater than 1 week. Liability for windshield claim is $396.25. I have had to effect vehicle repair at personal expense because of company's inaction over a prolonged time period. No report of claim status by company for greater than 1 month. This is an irregular insurance practice for an uncontested windshield damage claim. Desired SettlementPrompt adjudication and Settlement of uncontested insurance claim for $396.25.Business Response NGM Insurance was notified of a loss involving our policyholder on 2/20/2014. The loss was not reported to us by the policyholder. Our claim representative following company best practices was completing an investigation into the loss details. Our policyholder was not responding to our telephone calls, emails, or letters. Our obligation as an insurance company is to pay for damages our insured is legally responsible for. In order to determine negligence, we needed to conduct our investigation. We completed our investigation and made payment to Mr. [redacted] on March 20, 2014. Our claim notes reflect a constant communication with Mr. [redacted] regarding our progress on this claim. Thank you for your attention in this matter.

Do NOT go with this company! I was in an accident that was not my fault and NGM (who is my carrier) gave me a horribly low offer on my car. It wasn't even close to fair market value. The company has agreements with other insurance carriers to offer low compensation for damages, so that when one of their insureds is at fault, the other carrier doesn't overpay either. NGM isn't even the one taking a hit; the carrier of the person who hit me is. My husband and I have great driving records, a home policy, umbrella policy, endorsements, and four autos with NGM and you think that they would want to retain their good customers. We have young children who aren't even close to driving age.
I did my own research to show that my car is valued much higher on other rating sites and on used car sites, but NGM wouldn't accept my research. The amount they gave me was $3k lower than other sites.
Beware of selecting this company as your carrier!

Claims adjuster unwilling or unable to process reported insurance claim for greater than 1 month. Unable to reach Claim Supervisor to report problem. I am the claimant involving a motor vehicle accident claim (21M1055B), dated 2/16/2014. Incident reported to Main Street America Group by phone 2/17/2014.Insured party does not contest claim. After multiple telephone and e-mail correspondence's, the claims representative for company will not settle claim or post liability for greater than 1 month's time. Supervisor for Main Street America has been unresponsive to numerous requests for clarification and explanation of delay. No phone calls or e-mails returned by supervisor for greater than 1 week. Liability for windshield claim is $396.25. I have had to effect vehicle repair at personal expense because of company's inaction over a prolonged time period. No report of claim status by company for greater than 1 month. This is an irregular insurance practice for an uncontested windshield damage claim. Desired SettlementPrompt adjudication and Settlement of uncontested insurance claim for $396.25.Business Response NGM Insurance was notified of a loss involving our policyholder on 2/20/2014. The loss was not reported to us by the policyholder. Our claim representative following company best practices was completing an investigation into the loss details. Our policyholder was not responding to our telephone calls, emails, or letters. Our obligation as an insurance company is to pay for damages our insured is legally responsible for. In order to determine negligence, we needed to conduct our investigation. We completed our investigation and made payment to Mr. [redacted] on March 20, 2014. Our claim notes reflect a constant communication with Mr. [redacted] regarding our progress on this claim. Thank you for your attention in this matter.

Do NOT go with this company! I was in an accident that was not my fault and NGM (who is my carrier) gave me a horribly low offer on my car. It wasn't even close to fair market value. The company has agreements with other insurance carriers to offer low compensation for damages, so that when one of their insureds is at fault, the other carrier doesn't overpay either. NGM isn't even the one taking a hit; the carrier of the person who hit me is. My husband and I have great driving records, a home policy, umbrella policy, endorsements, and four autos with NGM and you think that they would want to retain their good customers. We have young children who aren't even close to driving age.
I did my own research to show that my car is valued much higher on other rating sites and on used car sites, but NGM wouldn't accept my research. The amount they gave me was $3k lower than other sites.
Beware of selecting this company as your carrier!

I was charged against my checking account the amount of [redacted] payable to NGM insurance on [redacted] I have no idea what this is for [redacted] on my checking account payable to NGM Insurance on [redacted] 2015Desired Settlement[redacted]Business Response Contact Name and Title: [redacted]Contact Phone: XXX-XXX-XXXX [redacted]Contact Email: [redacted]This is in response to the complaint dated [redacted] 2015.This was a small misunderstanding, insured was unaware of the insurance company NGM Insurance, a writing insurance company under The [redacted]Spoke with insured, and complaint was already resolved at the agency level.

Do NOT go with this company! I was in an accident that was not my fault and NGM (who is my carrier) gave me a horribly low offer on my car. It wasn't even close to fair market value. The company has agreements with other insurance carriers to offer low compensation for damages, so that when one of their insureds is at fault, the other carrier doesn't overpay either. NGM isn't even the one taking a hit; the carrier of the person who hit me is. My husband and I have great driving records, a home policy, umbrella policy, endorsements, and four autos with NGM and you think that they would want to retain their good customers. We have young children who aren't even close to driving age.
I did my own research to show that my car is valued much higher on other rating sites and on used car sites, but NGM wouldn't accept my research. The amount they gave me was $3k lower than other sites.
Beware of selecting this company as your carrier!

Claims adjuster unwilling or unable to process reported insurance claim for greater than 1 month. Unable to reach Claim Supervisor to report problem. I am the claimant involving a motor vehicle accident claim (21M1055B), dated 2/16/2014. Incident reported to Main Street America Group by phone 2/17/2014.Insured party does not contest claim. After multiple telephone and e-mail correspondence's, the claims representative for company will not settle claim or post liability for greater than 1 month's time. Supervisor for Main Street America has been unresponsive to numerous requests for clarification and explanation of delay. No phone calls or e-mails returned by supervisor for greater than 1 week. Liability for windshield claim is $396.25. I have had to effect vehicle repair at personal expense because of company's inaction over a prolonged time period. No report of claim status by company for greater than 1 month. This is an irregular insurance practice for an uncontested windshield damage claim. Desired SettlementPrompt adjudication and Settlement of uncontested insurance claim for $396.25.Business Response NGM Insurance was notified of a loss involving our policyholder on 2/20/2014. The loss was not reported to us by the policyholder. Our claim representative following company best practices was completing an investigation into the loss details. Our policyholder was not responding to our telephone calls, emails, or letters. Our obligation as an insurance company is to pay for damages our insured is legally responsible for. In order to determine negligence, we needed to conduct our investigation. We completed our investigation and made payment to Mr. [redacted] on March 20, 2014. Our claim notes reflect a constant communication with Mr. [redacted] regarding our progress on this claim. Thank you for your attention in this matter.

Do NOT go with this company! I was in an accident that was not my fault and NGM (who is my carrier) gave me a horribly low offer on my car. It wasn't even close to fair market value. The company has agreements with other insurance carriers to offer low compensation for damages, so that when one of their insureds is at fault, the other carrier doesn't overpay either. NGM isn't even the one taking a hit; the carrier of the person who hit me is. My husband and I have great driving records, a home policy, umbrella policy, endorsements, and four autos with NGM and you think that they would want to retain their good customers. We have young children who aren't even close to driving age.
I did my own research to show that my car is valued much higher on other rating sites and on used car sites, but NGM wouldn't accept my research. The amount they gave me was $3k lower than other sites.
Beware of selecting this company as your carrier!

Do NOT go with this company! I was in an accident that was not my fault and NGM (who is my carrier) gave me a horribly low offer on my car. It wasn't even close to fair market value. The company has agreements with other insurance carriers to offer low compensation for damages, so that when one of their insureds is at fault, the other carrier doesn't overpay either. NGM isn't even the one taking a hit; the carrier of the person who hit me is. My husband and I have great driving records, a home policy, umbrella policy, endorsements, and four autos with NGM and you think that they would want to retain their good customers. We have young children who aren't even close to driving age.
I did my own research to show that my car is valued much higher on other rating sites and on used car sites, but NGM wouldn't accept my research. The amount they gave me was $3k lower than other sites.
Beware of selecting this company as your carrier!

Do NOT go with this company! I was in an accident that was not my fault and NGM (who is my carrier) gave me a horribly low offer on my car. It wasn't even close to fair market value. The company has agreements with other insurance carriers to offer low compensation for damages, so that when one of their insureds is at fault, the other carrier doesn't overpay either. NGM isn't even the one taking a hit; the carrier of the person who hit me is. My husband and I have great driving records, a home policy, umbrella policy, endorsements, and four autos with NGM and you think that they would want to retain their good customers. We have young children who aren't even close to driving age.
I did my own research to show that my car is valued much higher on other rating sites and on used car sites, but NGM wouldn't accept my research. The amount they gave me was $3k lower than other sites.
Beware of selecting this company as your carrier!