Nation Motor Club
Reviews and Complaints

Very bad decision on my part to purchase the GAP Addendum from this company, and not reading these reviews first. The claims adjuster keeps asking for the same documents. She seems to not understand that I cannot force the finance company to give me documents that she also can't get from them (if she had some autonomy and the company OK to use basic math on the multitude of documents I have provided over the past 2 months, this could have been settled last month). Anyway, expensive lesson on my part - don't make the same mistake! Time for me to move past this. I don't need or want a response from the company but I am sure if they do, it will be my fault that I am not pleased with them.

Very bad service company I would say and strongly suggest people do not use their services. My SUV ran into snow bank on road side few days ago in the earlier morning. I called this company and filled out on the website as required. The dispatch called in few minutes and said the rescure truck will be arriving in 30-40 minutes. But after 40 minutes the dispath called again saying they won't come because they do not have equipment to provide the service. My SUV does not need special equipment to pull other than regular rescure truck. The dispatch ignored what I explained but just want to let me call another towing comany who wants to charge 300-400 dollars. I refused and called AMA. AMA quickly came and pulled my SUV on the road.

Nation Motor Club LLC has the worst customer service I have ever experienced in any type of company. One of the responses on here stated that on their website you have access to Corporate headquarters numbers. That is incorrect as I have been trying to get ahold of someone. I have been working to get my GAP claim paid and have had no communication from the adjuster. I have called, left multiple voicemail and emails. I called today to get help with a document that was too big to upload onto their portal and after waiting on hold for 30 minutes only to have the customer service rep hang up on me because she didn't know what to do. I am paying 2 car payments now since my accident only because I don't have a person from the company to assist in the process.

My vehicle was declared a total loss 2/15, I have been going back and forth with gap company Nation safe drivers (Nation motor club llc)trying to get an answer as to why they won't pay the lien holder. One person told me there was nothing to be paid, another told me it wasn't going to be paid due to a condition adjustment and to contact my auto insurance company. I resubmitted docs that clearly showed there were no condition adjustments to my vehicle and still no one reviewed the claim. I was told a supervisor would call me back and no one called. I last spoke to a supervisor on the phone 6/11 who was extremely rude and she said "per my contract gap would not pay due to the condition adjustment". I requested a copy of the contract and was told they could not provide one because it was not legible. How can you be "quoting" my contract over the phone but can't send me a copy? It's been 4 months that I'm being strung along. I need this to be paid and settled immediately!

I have had the same experience as others posting. I have no idea how this company has an A+ rating with the service they actually provide. Similarly to other people posting, I provided all requested documents, but the agent I was working with was rude and did not communicate regularly nor effectively. When submitting documents I was told they didn't even need some of our documents. I emailed to confirm what the representative said and never heard back. I had not heard anything from her or the underwriter for over 6 weeks until I reached out to follow up. I received an e-mail with generic terms and no real answers. In the end it looks like the GAP coverage cost us money and did not cover anything. We ended up paying off the car before hearing a response from the company.

If you need a defense for what working with this company is like, if you have seen The Incredibles, this company is akin to the insurance company *** (Mr. Incredible) works for - provide no service to its customers at all costs.

There is no way this is a accurate rating. My review is for the Gap department. This company was the most dishonest company. Denied my gap contract twice. Lied said the dealership never paid them. I had to prove they did with lots of calls and hard work. When they did final start my claim, it was 2-3 months late. With so much persistence on my part, they did end up paying out. They still left my auto loan with a balance. They are wrong for saying my first payment was late. It was actually early. Zero missing payments on my auto loan. They won't pay it, nor acknowledge they're wrong even with a statement from the credit union stating I had no missing payments. If your buying a car, purchase Gap through your bank or credit union instead. You will have more peace of mind. Getting hit by the drunk driver was by far more pleasant than having to deal with Nation Safe Drivers/ Nation Motor Club. My stomach was turning with stress every second of dealing with them. Out all the 7-8 people I spoke with, there was one bright employee! Thanks to her, my claim was able to get filed and opened. She wasn't the one even in charge of my claim.

I am in agreement with the previous reviews on the quality of service this company provides. I have been waiting for tow service since 3:00 p.m. Chicago time, and either the fleet of tow truck drivers is inadequate or these contracted providers are lazy and don't want the business. Why have I have been on the phone all day through dropped calls on the end of customer service, with no one attempting to call me back and pick up where we left off. If I were to give you the information to check the call or data log, you will see how many times I was in your system, and told "we're looking for a provider in your area"? What kind of jack leg company does not have a data base of reliable and efficient tow truck drivers? I am calling the home office and my insurance company to please release me from this gap company immediately. This is horrible. I thank God I was at home with a disabled vehicle and not really needing 'roadside' assistance. I would be terrified and even more angry stranded in some remote area or along the highway! Horrible, horrible, horrible. By the way, the car still has not been towed and it is 9:14 p.m. Horrible, Horrible and Horrible!

Please avoid this company at all costs! They are in the business of taking your money and finding ways out of fulfilling their end of the contract. After months of waiting to even receive information from them, as they couldn't properly get ahold of me or any of my information from neither the insurance or dealer, I was told they don't have to cover anything. And the reasoning behind it made me wonder how their ideology as a company and what they stand for. They claim that my insurance company deducted from their appraisal due to my vehicle being in poor condition before my accident... How did you even come to the conclusion that the insurance deems the vehicle "poor" before they ever saw it to appraise it?! This company is just looking to take advantage of the clients that sadly put their trust into them, to come up losing at the end. Thanks to Nation Motor Club, not only do I not have a vehicle anymore, but I also cannot purchase a new one based on the negative credit effects done with their negligence to fulfill their contract. Please avoid Nation Motor Club, get GAP coverage through your actual insurance company and don't fall into the scam this company runs..

Unfortunately when I bought my vehicle the Dealer sold a Gap addendum with this "Company". My car were total loss, so I started a claim with them in 3/24. They asked to upload a list of documents, that I did immediately. After calling in different occasions waiting in average 30 minutes, in 5/3 one person answered and reviewed my documents and said I needed two extra documents .. that means nobody reviewed my claim until that day...after I submit those, they sent me a letter with a settlement, no paying the remaining balance and saying "In the event of a total loss to your vehicle, your lender is obligated to waive your debt as outlined in the GAP Addendum" After I talked with my Lender they told me I'm responsible for the balance, that they don't waive my debt as they wrote in that letter, I called Claims Department , and -not a surprise with that Company - an Unprofessional Representative - Jennifer - she was so mean, reading the letter that I received, she didn't answered questions and using disrespectful tones instead of understand my situation and do her work... inform the Clients and try to help them. I don't think they know how to treat Customers at all - They work due they have Clients/Customers.

My son had an accident 12/18. His insurance company totaled his car. His insurance company paid their claim. He called Nation Motor Club and got everything started. Then the run around started. He supplied everything the rep asked for. Sometimes twice. He called his insurance company and they weren't even sure what was being asked for. He was told to go back to the car dealership and get the salesmen to sign off on the paperwork. He had to wait a week because the salesmans wife had a baby and he was on leave for it. He got that done. Then he was told that the number's didn't add up. He has sent everything he could send and was still told it was not enough. The rep was unprofessional in my opinion. He has to pay the difference now because his co signer is a friend and besides it would be wrong to not pay it. He's already paid 4 payments of 298.00 on top of his new car payment of 335.00. He still has about 2300.00 to go on the difference. A difference the gap insurance was supposed to cover. I emailed NMC and I was told I'd hear with a week or so because it was being reviewed. I expected nothing less than what I got. Which was no answer. It's a shame that a professional company with a A+ rating allows this to happen.

I was involved in a car wreck on 12/13. The at fault party's insurance finally decided to total my vehicle on 2/21. I immediately contact my GAP insurance to begin the filing process. Each time I called the representatives were of zero help and completely RUDE. My lender, Chase, sent in the required documents to them twice, but this company swears they never received the information. So on the third time Chase sent the information the finally received it, convenient considering it was immediately after I called. My file was finally sent to the underwriter on 3/13 and I was told it will take UP TO 3 weeks for the my claim to be finalized. Here we are, at 3 weeks, and I haven't heard a word. I called in and to say the woman I spoke to was rude is a HUGE understatement. I let her know that with the pandemic going on there was zero way I could make another payment on a vehicle I have not had in my possession in almost 4 months. When she continued to be rude I let her know if this wasn't resolved I would be filing a complaint with the Complaintsboard.com, to which she replied "absolutely go ahead and do that" in a sarcastic and belittling tone. She went on to tell me they get hundreds of claims, blah blah blah. I could care less how many claims they receive, they are a business and this is a service I paid for. It's really disheartening that so many are losing their jobs in the midst of this pandemic but rude and heartless people like this are still able to keep a job and treat customers with such a lack of respect. This company should be shut down, but unfortunately reading the other reviews and the "responses' from the company justifying their terrible services this will not change.

Uses contract loop holes to not pay people and they were completely ignorant to the facts presented to them. I will never do business or accept contracts with Nation Safe Drivers from this day forward. Read the fine print on who covers what part of your aftermarket warranty service and stay far away if you see Nation Safe Drivers on it. I would give a zero star rating if I could. May end up speaking to the complaintsboard.com about what took place on the phone call.

Back in February I had an extensive repair done on my vehicle that was covered by an aftermarket warranty company called Veritas Global. Upon acceptance of the repair and coverage being granted the company told me to go ahead and proceed with renting a vehicle. After the repair of the vehicle and rental being returned, several months had passed and I was contacted by Enterprise for payment. Under the warranty contract they subsidized the rental reimbursement and coverage to Nation Safe Drivers. They had stated that Nation Safe Drivers was denying their submission as it was I who needed to do so. Not thinking this wouldn't get worked out, I paid the bill for Enterprise and then proceeded with submitting the claim to Nation Safe Drivers. They immediately denied the claim due to is being outside of the 60 day window from the vehicle repair... I was not invoiced from Enterprise until 2 days before I submitted the claim and had nothing to submit NSD even if I wanted too at the closure of the repair. I tried to explain this to the manager at NSD and they blatantly turned my plea down. Stay far away.

Just look at the other reviews and you have the whole story about this company.

Ruined your reputation of $175 reimbursement.

I'm giving this company 2 stars because after the complaint was posted here, it didn't take long for
for a response. My son received a phone call stating that they needed permission to talk to his insurance co. and he gave it. Within 14 days he did receive some money towards the gap left. He wasn't emailed or called...no he just happened to check his account and there was a sum added to what was owed.

"In the event of an accident in which you've badly damaged or totaled your car, gap insurance covers the difference between what a vehicle is currently worth (which your standard insurance will pay) and the amount you actually owe on it."

Huh. I'd love to know how the amount of 192.00 was reached when the difference was over 3,000.

My son had an accident in Dec. of 2019. His car was totaled. He had full coverage and gap insurance. After finally getting some answers (after I posted a complaint here) he had already paid 6 payments of 298.+. He has 6 months more of payments to fully pay off the difference that the gap insurance was supposed to pay. He has no choice. Besides the fact he doesn't and wont default on any payment it would hurt his credit.

I don't know why this happened...and no one will give him an explanation into why out of a 3000.00 difference the gap insurance didn't pay it all. He wasn't even bothered that he wouldn't get the payments back that he'd already paid. He figured the amount left over would be enough.

So am I correct in thinking that Gap Insurance is a money scam? It's supposed to protect the person from that difference. Why even have it?

Anyway, yes they did respond. Yes they did work on it. But very unsatisfactorily.

Gap Addendum#XXXXXX

I'm contacting/posting for him because he has just given up. He's tired of fighting. Maybe so, but I think it's wrong. So thanks for at least responding and putting up a pittance. What he got was probably one days wages and a far cry from what was owed/is owed.

I am reading through these reviews and I am hearing our story over and over again. I read National Motor Clubs responses and I think "this is a sham." Over and over again they excuse their lack of contractual responsibility. This is not how we were sold the gap ...we were specifically told that this gap would protect us and pay any amounts the insurance company did not pay... and here we are...they have done us wrong just like every review I have read.

I would give them ZERO stars, if I could. I have an attorney reviewing the contract and filed a complaint with my state Insurance Commissioner and state Attorney General. I know Nation Motor Club will respond to this email with misinformation to excuse their bad business practice but I am going to fight them with every agency at my disposal. Do not use National Motor Company. Do not accept their responses to each reviewer here. They treat their customers terribly.

***, supposed CUSTOMER Service, is rude and yells at my husband on the phone anytime he has called to ask for an update. After months of making one excuse after another, NMC only paid less than half of the amount owed on the RV, that was totaled, and are using their bogus/fraudulent calculations to determine a payoff. We called the RV company that sold us the "gap" and they said they no longer use them.
These are NMC claims to substantiate not paying in full: We are not an "insurance"... although that is what they were sold as when we purchased the gap
Calculations are made according to how many payments you made...again it is not how it was sold to us
Perhaps other people who have been swindled by NMC can unite to file a class action lawsuit against NMC company. I will discuss this with my attorney, state insurance commissioner and attorney general, I am not going to stop until something is done about their shady business practices
Do not use National Motor Company. Do not accept their responses. They treat their customers terribly.
Complaintsboard.com please do something about this company. Read thought each review and note what they are doing to us. Please do something.

Company refused to honor GAP insurance claim. I purchased a 2015 Nissan Sentra SV in April and was sold a GAP insurance policy by the signing dealership. On November 6 I was in an accident that resulted in my vehicle being counted as a total loss by my auto insurance. My auto insurance company paid what the market value of my vehicle. This left a $4602.52 outstanding amount on the loan. This amount has not been paid by the GAP insurance as my GAP claim was denied on the basis of a product that did not exist at my time of purchase. During the time of my owning the vehicle I become a Uber driver once the services were available in my geographic area. I was not working Uber nor transporting anyone in my vehicle at the time of my car accident. My car insurance paid out my total loss claim but the GAP insurance is denying to pay the claim. The reason for the GAP insurance to not payout my claim is unwarranted as when I purchased the vehicle when Uber was not offered in my geographical area. During my signing for my vehicle I was not provided any variation of GAP coverage as this was not something that was mentioned or offerred. This has caused my credit to be affected as this company will not pay my GAP claim. I have attached a copy of the GAP addendum to show that UBER was not mentioned in the verbiage of the signed documentation. The GAP denial letter states there is a clause 15 that makes reference to commercial GAP is required for rideshare services but the document that I signed has no such clause included.

My car was stolen and I'd purchased Gap insurance through Maus Nissan and have not been successful in getting this GAP claim paid. My 2019 Nissan Rogue on December 23, however on December 27 my car was stolen by a juvenile and a recovered and issued a total loss. My primary insurance paid the bulk of the price however the adjustor *** has failed to follow up with me with regard to my GAP claim that satisfys my issue. I have had to complete another affidavit because she said she sent the wrong form. I had to drive to New Port *** to personally get documentation for this claim. I have repeatedly provided documentation most recently sent via certified mail and was told that she didn't have it. Initially I was told the forms weren't legible so I took a the carbon copy of the finance agreement and a copy of the check to mail her. I called her and she said she didn't have it, yet when I went online and tracked the mail and it was delivered on the very day that I spoke with her. I called again the next and asked for a supervisor and the representative Jennifer became very rude and said all team leaders were in a meeting and that my paperwork was received and I would be getting a letter stating this. This was over a week ago and I received another request for the same documentation again which was the finance agreement and a copy of the extended warranty agreement. There is a 90 day window to get the paperwork turned in or it denies your claim which is what I am trying to avoid. The remaining amount on the claim is $4,414.32. My account claim number is XXX-XXXXXXX-XX.

I called for a jump on my vehicle nat.safe drivers sent 3rd party,untrained who blew up my vehicle then ran off trying to jump it. After driver blew up my engine,I filed complaint,c!aim,rep. Was rude,discourteous handling claim,sent taped conversation of driver blowing up vehicle,acknowledging cranking and blowing engine,she denied claim,then called client relations,they contacted supervisor, then sent me a letter saying they repair my vehicle send amount of cost to repair. I did..it took months as they would not send appraiser to total my vehicle as they suggested or repair it. I sent repair bill since my car was paid for.now that they have gotten repair bill have tried to reneige on that agreement and pay for repairing my vehicle. I have went for months without a car being disabled andelderly..with family members too disabled..they are rude,in claims department,only got Spanish workers who quickly deny your claim. I have Spanish family members ,and that's an unfortunate,I'm another race,...I did get client relations who assisted,contacted corporate,sent letter saying they'd fix my car but has not responded since sending cost of repair ledger and do not answer or return calls.i just googled. They have multiple suits..I will file as well...RUNNNNNNN...THEY ARE HORRIBLE... THEY HANG UP,CLAIMS DEPARTMENT AND TRY TO RENEIGE ON THEIR WORDS OF LIABILITY OF THEIR UNTRAINED 3RD PARTY VENDORS...NONE ARE TRAINED MECHANICALLY... THEY ARE HORRIBLE IN CLAIMS DEPARTMENT.. if u are with a tow company INSIST THEY DO NOT USE NATION SAFE DRIVERS...HIDING BEHIND LLC robbing everyday folks...call triple was or some other company don't let them send nation safe drivers..they tear up cars tries to escape liability...

They are my gap insurance company for my car. The car was totaled. They have yet to pay my claim dated 5/23 My vehicle was totaled on May 23. I was rear ended, while I was stopped in traffic, by a distracted driver. My life was turned upside down, as were the lives of my two young children who were both injured in this accident. I was grateful to know that I purchased Gap insurance when I purchased my 2018 Nissan Rogue.. This did alleviate one of the many concerns that I had now that I was temporarily disabled and unable to work for three months. I contacted the Gap insurance company and followed the directions that were submitted to me. . Every document required for my claim was submitted in a timely fashion except for the purchase order. I made multiple attempts to obtain a copy of the purchase order from both the dealership and from Nissan Finance. I was notified by Nissan Finance that the original dealership (Atlantic Nissan) did not forward the necessary documents to Nissan finance. The dealership closed shortly after I purchased my vehicle. I continued to make multiple attempts to attain a copy of this purchase order from the (new) dealership (Bayshore Nissan). The finance department told me they could not provide any documents required to complete this claim as those documents were not available to them as new owners of the dealership. This became a very frustrating experience. As a result of the inability to pay back my car loan, my loan is considered in default and my credit score has plummeted. After speaking with your representative, Alexis, I was notified the claim would be considered accordingly, however. I do appreciate your time, consideration and understanding due to a situation that is unfortunately beyond my control.

Company manage to evade responsibility agreed on contract. Always finding a way for not paying back refund for roadside service. I have a roadside assistance program membership (membership number XX-XXXXXXXXX) with this company where I should get a $50 refund if I provide the receipt of the roadside service. On 10/27 I received a car unlock service and I started a claim for a $50 refund ( Claim number : XXX-XXXXXXX ). The facts are that the company always find a way to tell me there is some information missing on the receipt in other for them to refund the $50 back to me. It's not the first time this happens although my previous claim was months ago and I don't have the info any more. This time I told the locksmith specialist that I need him to fill out everything in the receipt because I was going to use it for a refund request and the specialist said to me he deal everyday with insurances and the receipt had everything I needed to submit the claim including the company phone number in case someone wants to give them a call. This is the information included in the receipt that I also provide in this complaint. - Date of the service - Location - Name of the company - phone number of the company - Service charges details - Service type (unlock car) - miles of the vehicle - VIN number of the vehicle - my personal signature. Now Nation Motor Club refuses to refund back to the $50 agreed on the contract because they say my name and method of payment is missing in the receipt but the truth is they will always manage to give me a reason for not paying what we agreed in the contract and this is not the first time. The receipt has everything any other Insurace company requires to start a claim as the experience locksmith specialist said including the company phone number for any questions.

Their customer service is nightmarish to say the least and they refuse to cover claims. Just like many people, I would love to give Nation Motor Club ZERO STARS, however that is not an option. Over the course of the past four months I have been in a nightmarish battle with them about my gap insurance. The vehicle I had purchased was totaled 8 months to the day from when I bought it. I still had the majority of my loan left to pay. The at fault driver's insurance company only paid about 2/3 of total of the vehicle price, and gap insurance was purchased to cover the remainder should an event such as this occur. Over the course of the past four months I have been hung up on numerous times. I have been treated like I am the scum of the earth because I expect them to do their job. When all is said and done they only covered $454. I am now left without a vehicle and an loan company filing a judgement against me because the situation the world is currently in is making it impossible for me to pay off the remainder of the loan. But why should I have to pay it anyway? Isn't that the whole point of gap insurance to cover the remainder of a loan if a vehicle is totaled? They send me a letter to the wrong address (which I had tried to change with them numerous times to no avail) with a breakdown of *** numbers. When I contact them in regards to why they're not covering the remainder they hang up on me again after stating that they would transfer me to someone who could help. When call back and I finally do get to speak to someone they just pass *** buck to anyone else they can. And this is just what happened within the past month. Prior to that the adjuster assigned to the claim was terrible to me as well. He never returned phone calls, and when I finally did speak to him he was very cold and unsympathetic. Nation Motor Club is just after your money. They take all they can from whomever they can and leave their clients in terrible situations.

Nation Motor Club, LLC is my GAP INSURANCE. My car was totaled. Geico wrote a check for blue book value & NMC is responsible for paying balance! On 1/27, I received a letter via email from Nation Motor Club, LLC stating that they are working to resolve my claim as quickly as possible, but gave me a list of documents that I must submit prior to resolving the claim. On 2/13, the final document requested was uploaded to my account (Affidavit of Accident). On 2/21, I received another letter via email "GAP Complete Letter", explaining that my claim is now complete and that my claim has been forwarded to the Underwriter for payment review. On 2/27, I received a 3rd letter via email "GAP Breakdown Letter", explaining the cost of each item listed in my claim. However, there are 4 rebates listed that were not applied to my claim: "Minus Adjustment for unearned Extended Warranty $1,810.29" "Minus Adjustment for unearned Tire and Wheel $682.54" "Minus Net GAP Refund $498.60" "Minus Condition Adjustment $124.00" After receiving this breakdown, I contacted my adjuster Fausto Beltran a number of times, but did not receive an answer. Consequently, I left a voicemail at least 3 times. Finally, I contacted the head office to inquire about getting in touch with Mr. Beltran and I was informed that he is no longer an employee of Nation Motor Club, LLC. I, then asked to speak to a supervisor that can explain my breakdown to me further and I was told "They are rebates that your lender (Nissan Motor Finance) will honor you for your claim." However, I have been harassed daily by Nissan Motor Finance due to the remaining balance on my total loss vehicle. They have informed me that they know nothing about rebates or deductions that Nation Motor Club, LLC informed me would be credited to my account. Furthermore, I have an outstanding balance with Nissan Motor Finance for an amount of $4,148 (for a car that was totaled by a drunk driver on Christmas Day 2019) that Nation Motor Club, LLC has refused to pay. The outstanding balance has now been reported to my credit for the month of January, February, March and April, causing a major decline in my credit score; hindering me from accomplishing anything financial related at this time. I also have not been able to purchase a new vehicle.

My car was totaled on Feb 3rd 2020. I have a GAP contract. All papers requested have been turned in. Still no payment made and I've had to pay on it. Claim # XXX-XXXXXXX Agent is *** XXX-XXX-XXXX Ext.382. My 2016 Nissan Altima was totaled on Feb 3rd 2020.I received confirmation that all requested paper work was received by them. I've spoke with *** several times in the past couple of weeks in regards to the status of my claim and he has told me due to COVID 19 they have been taking about 1 week longer. I gave it another week and called him back. *** then tells me it should be done in the next few days. It has now been over another week. He said he has sent a request to his manager*** asking her to call me. He has sent her two requests and she has never reached out to me. I've had to make pymts on my totaled car every month since it was totaled in order to keep my credit good along with my new car payment. I cant get any answers as to the hold up on this and I now have another car that I have to pay on. I've told them I cant afford to keep making two car payments especially when one is totaled and I have GAP insurance for this. I've told *** that*** has never called me and all he says is he is sorry and will send her another message. I've even asked *** if he could call me and keep me posted instead of me calling everyday. I've now not heard from *** or***. I've confirmed with them more than once that they have gotten everything that has been requested of me and he said yes. Its just in process. I'm concerned that I will not have this taken care of and I will not be reimbursed for the payments I've had to make on this car while waiting for them to get it processed. I had to make another car payment today which makes four months of cars payment on a totaled car. *** assures me I will be reimbursed but I cant trust that it will be. I cant even get the manager to call me back in regards to my concern of such a long delay. I have been extremely patient with all of this until about a week ago and feel that I should be given a reason as to what is taking so long and. I told *** that I truly feel like something is wrong in their system that it has not been processed yet. I keep being told is it is in process and to feel free to call back. I'm constantly getting the run around and no answers or phone calls. The balance due on my car was $4,347.91 and I've had to make 4 pymts on tis car waiting for the claim to be done.$352.18 a month plus $15.00 late fees because they aren't handling the claim.

Didn't hold up to the warranty/contract. Not paying the hole amount that was supposed to be paid. When I bought my vehicle from the dealer they also sold me this company (Nation Motor Club, LLC) for the GAP insurer. I didn't have my vehicle very long before a distracted driver totaled it which was on 4/23. Nation Motor Club, LLC was contacted and sent me a check list of all the information needed to file a total loss claim. I was also advised that they could not help me get any of the files or statements needed and that I would have to get everything by myself. It took me about a week but I had finally got all the paper work and statements needed. This is when all the bull *** started. The company sent me back an email saying the needed more information and to follow the link provided. After following the link I seen that the information needed (settlement break down) I've already sent. Seeing how this was my first time I figured I might have uploaded the wrong info and so I just re uploaded the same info. I contact the company by phone to make sure everything I uploaded was received and correct my claims agent said every thing looked good and is being reviewed. A couple days later I received another e mail about the same issue. I contacted my agent right away to ask what was going on and explained that I've already sent the info again. Every time that I've asked to talk to a manager the agents told me they can't transfer me and would leave a "note" for one to call me. At this point I talk to my personal insurance carrier and explain everything that going. My personal insurance agent contacted this GAP company and explained the settlement break down and the law in Florida about how the breakdown works and that the taxes is returned back to the buyer (me). After explaining everything the GAP agents once again said that everything was going to get handled. Once again, a couple days later I received another e-mail stating that they needed that same info AGAIN! After a couple weeks go back and forth with this GAP company I told them that I feel like they are trying to purposely dragging me out because if all the info and documents where not sent in before 7/22 that it voids the warranty and contract. After stating that the GAP agent told me they will once again have a meeting and get it handled. Today 7/16 they sent me another email need "more info". At this point I am beyond aggravated, I click on the links as I always do and see this time they sent a check to the loan holder. The only thing is that its not the correct amount on the payoff and by there contract they own. I have been fighting with this company for months now and would just like some help from any one please!

We purchased a protection plan, but when we utilized the windshield repair protection, the company they sent broke the windshield entirely. My wife and I purchased the Platinum Protection plan on our 2014 GMC Sierra in February. Initially, we received no paperwork from the company after purchasing the warranty. We had a brochure from the dealership, but received no contract number or further paperwork. When we first tried to call to file a claim in early March , NMC claimed they had no record of us ever purchasing a plan. They claimed they could not find a plan under my name, or my wife's (Shannyn Sneed) and refused to process our claims. It took multiple calls to the dealership to get proof from their records that we purchased the plan, which we then submitted to NMC, who only then acknowledged that we even had a plan with them. We filed a claim on Windshield Repair coverage on approximately 3/17. On 3/20, the company they sent to repair a chip (Safelite) came to do the work. A few days later, the entire windshield cracked, over a foot in both directions, from the chip that was supposedly repaired. We called Safelite, who said they can't do anything to replace the windshield (as is now required due the extent of the damage) without approval from NMC. NMC now claims that only "repair" services are covered by the plan, but not replacement, even though it was their contractor that broke it beyond repair. The windshield did not NEED replacement until the company NMC sent to fix it, broke it. The crack is almost two feet long and clearly originates from the original chip and faulty repair. At the same time, we also filed a claim for Paintless Dent repair. The contractor they claimed to dispatch for that claim never called us to set up an appointment, as NMC claimed they would, nor did they ever show up to do the work. So, no repair was ever done on that claim, despite us being told by NMC our claim was valid and covered. We paid $860 for this "protection plan" that has now caused even more damage and expense in regards to the windshield repair, and we received no service whatsoever for our other claim. The truck is now undriveable, and NMC claims they have no obligation to fix the damage their contractor caused. The windshield did not require total replacement until AFTER NMC sent a company to work on it. They have also claimed that they're only obligated to "try to repair" the windshield, not actually repair it, and told us our only option now was to go back to the dealership that sold us their protection plan and ask them to fix it. We have spoken with the dealership (Richmond *** West), who says that they did not select the company that came to fix the chip and broke the windshield - NMC did - and so they have no obligation to replace it or compensate us either.

Filed total loss GAP claim 12/23 but still waiting on NMC to issue settlement check. Since Sept 2020 Keep getting told "they're looking into it." Filed total loss flood GAP claim Dec 2019 for BMW 328i. Called in February but got told that due to COVID there was a delay and I was told to follow up in a few months since they were behind on claims. Due to the fact that I was furloughed due to COVID I was sympathetic to the fact that everyone is struggling, so I waited a reasonable time before following up. Followed up with NMC 8/12 to confirm cancellation after seeing a balance on my BMW account. NMC confirmed cancelation and emailed me a settlement breakdown stating check for $761.84 would be issues to BMW financial in 3-4 weeks. 9/13- BMW Financial states they still do not have check so I called NMC and spoke w/ Jeffrey R who placed a check inquiry since the check had not been received by BMW and stated they don't have access to check numbers. Was told to check back in 7-10 days. Jeffrey had been very helpful so I was hopeful the situation would be resolved accordingly. 9/23/20Called NMC again and was told process had not been initiated and check back in 7 days. 10/1 Called NMC again, check inquiry was in process but no supervisor available but to wait for call back in 3-4 days. 10/8 Called NMC again and was told to wait for supervisor call back AGAIN. 10/15-Called NMC again and was told another check inquiry would be started. 11/25 Called and spoke w/ Rene Rodriguez (supervisor) who would be contacting underwriter again and give us a call back on Friday 11/27. She never called back. Called today 12/15 spoke with Jeffrey who said "there was nothing on my account" but transferred me to Rene Rodriguez since she is in charge of my case. Was sent to Rene's voicemail. Called Jeffrey back who told me that Rene was there today and to try again in 10 mins. Called Rene back 3 more time and all 3 times was sent to voicemail. Left 1 vm but no response. At this time almost a year has passed *** my car was flooded and there seems to be very little intent on NMC side to reissue a new check. I was even very understanding at the fact that my account was not closed out immediately due to COVID delays therefor accepting my settlement check would be less due to depreciation. I am now dealign with health issues on top of being unemployed and come January my account with BMW financials will go to COLLECTIONS over the remaining balance that NMC has refused to pay. All I want is for them to re-issue the check and close out my account completely. To avoid this exact scenario is the reason why I purchased GAP insurance through Nation Motor Club for my vehicle. Nation Motor Club I am asking that you please reissue a new check and provide me with the check number so I can assist BMW Financial in tracking of the check. Settlement breakdown letter has been attached to the complaint.

Had GAP Insurance with this company and the vehicle was totaled in an accident. Provided all legal documents for claim and now the ignore me. I purchased a 2018 Hyundai Santa Fe in August and included GAP coverage via dealership selected Nation Motor Club. My, then spouse, totaled the vehicle while driving under the influence of alcohol on 19 July . After checking through all the paperwork, I filed a claim with for GAP coverage in early September. I was told, I was still within my 90 day window for a claim and as long as the process was started they would honor any delays in the process. The wife had two court dates and a final court date of 18 December and enrolled in the courts Pre-Trial Intervention Program (PTI). This included 2 years probation and enrollment in a mandatory 6 month drug & alcohol program. At the conclusion of this program all charges will be expunged from her record. All documentation was sent to my case manager, Andres Branstetter on 19 December . I followed up on this matter in January and then again in February via phone. In January I received an email stating, included my case number (XXX-XXXXXXX) on all documents. I responded back to them advising, the case number was listed in the subject line of the 4 emails as well as on top of each of the 15 pages of documents. During my February follow up, I was told by my case manager they have not received my documents. I reference the document transfer date of 19 December and the email correspondence in January . He stated, he don't know why that happened and requested I send the documents directly to his email account, which I did. Upon call back, he said I should speak with his supervisor and my call transferred. I left a voice mail requesting feedback. After 10 working days I attempted multiple times of different days to contact my case manager and only got his voicemail. I also left him a voice mail requesting written feedback on my case within 7 working days, which I never received. In early March , I contact someone other than my case manager at Nation Motor Club. The rep I talked to located my documents and verbally advised she just printed them out and would take them to her supervisor. To date, I still have yet to hear from this company and my phone calls to them goes straight to voicemail. Despite the delayed court recommendations in 2019, I've continued to pay $682 for the past 9 months, having to live paycheck to paycheck because of their inaction. It would seem if my case was not going to be honored they would have certainly sent a determination letter in January . Because they seemingly have broken off all communications with me, it's evident they are liable to pay PNC Bank the portion which should be honored by the GAP insurance I still continue to pay. At the time of claim, the remaining amount to be paid by GAP was $13,500. Now that number is under $10,000. Complete info is provided: GAP Company: Nation Motor Club Contact: Andres Branstetter Phone: XXX-XXX-XXXX ext 383 Claim #: XXX-XXXXXXX Court docs sent: 19 December Case #: XXX-XXXXXXX

Nation Motor Clubs is refusing to issue payment for the gap settlement owed to me for my car that was totaled and that they agreed to pay. I purchased GAP waiver when I bought my Nissan Rogue(VIN JN8AS5MV8DWXXXXXX) on 10/17. On January 12 my car was totaled in an accident. I received paperwork from Nation Motors Club,LLC stating what documents I would need to submit in order to complete my claim. Within a few weeks I sent over the paperwork I had available. On March 4 I received a letter from Nation Motors stating that they would pay $776.89. However, their adjustment for my unearned extended warranty was incorrect. They minused $1709.00 when I had only been credited with $972.58 from Nissan. I immediately emailed the claims adjuster at Nation Motor Club (Juan Yambo) and told him that amount was incorrect. In an email, he told me as long as I send proof of the credit for the warranty, Nation Motors would issue a supplemental check. I was finally able to send over documentation that satisfied Nation Motor Clubs and they agreed to send the difference that was owed. On 7/20 I received the letter from Nation Motor Club, which stated that they adjusted the GAP settlement to $1503.31 and they would send the supplemental check to the lender(NMAC). They sent the check for $736.42 to NMAC. I waited to receive the check or payment from NMAC because I had been told after the car was totaled that I needed to continue making my monthly payments until the insurance proceeds were received. If I did not make payments NMAC would report me to the credit bureau. NMAC assured me that any payments I made I would get back when they received payment. In August I contacted NMAC because I had not received any payment and I knew that Nation Motor had issued the check in late July. I discovered that when NMAC received the check from Nation Motors that they sent it back instead of forwarding it to me. NMAC told me to contact Nation Motors. I contacted Juan Yambo on the phone and he told me they had in fact received the check back and when I inquired when I would be receiving it, he told they had voided it and I wouldn't. He said they were told that the account was paid in full and so I would not receive the money. I explained to him that my account was only paid in full because I continued making payments after the car was totaled in order to not ruin my credit. Nation Motors was responsible for the GAP settlement at the time of loss and not the GAP amount 6 months later. The supplemental check they sent represents the payments I made after the car was totaled. I furthered explained that I should not have any out of pocket expenses from the time of loss. Mr. Yambo told me to send them proof I had made payments after the car was totaled and he would see what the underwriter said. In August, I emailed copies of my bank statements showing this as well as statements from NMAC showing all my payments made after the loss of the vehicle. It is now October and I have yet to receive an email, letter, or call about my claim from Nation Motors Club. I contacted the Nissan dealer and tried to get assistance from them to contact Nation Motors Club. Obviously, they have had no more success than I have. The gap waiver clearly states that Nation Motors is responsible for the gap amount at the time of loss of the vehicle. In their own letter and by them sending the supplemental check to Nissan they admit they owe $736.42. NMAC made a mistake sending it back, but that does not negate Nation Motor Club's financial obligation.

Denial of GAP claim payment XXX-XXXXXXX for 2017 Altima due to error in classification of job use and failure to reply to repeated appeals to my agent On August 14 my 2017 Nissan Altima (vin#1N4AL3AP5HC1XXXXX) was involved in an no fault accident where I was hit from behind by two cars while I was stopped at a traffic light. The car upon inspection from my insurance company was deemed a total loss. AAA Insurance had the car towed and began the process of closing the account and paying off the reminder of the car loan due. I met with my Nissan rep locally, inquired about my GAP coverage to ensure all would be covered if any balance remaining and purchased a new vehicle as a replacement. I then followed up with my GAP provider Nation Motor Club as instructed and completed/provided all necessary paperwork and reports to them in order to have them process the remaining balance due on my Nissan contract. My agent was Alexis Chapelle. During the weeks that followed Ms. Chapelle and I had several conversations and emails regarding the accident. I was then notified via email on 11/10 that the claim had been denied! The reason for the denial was an exclusion "(15) To a vehicle used in the furtherance of a commercial enterprise (unless the Commercial GAP Option is marked), for, transportation of persons or property for hire, compensation, profit, off-road use, pool cars, vehicles equipped with or identified as snowplows, emergency vehicles, livery, delivery services, hire or rental, vehicles with special commercial usage optional equipment, accessories and body components are excluded from coverage". I immediately called and spoke with Ms Chapelle and explained that I work as a business consultant; my vehicle is a personal vehicle, not a company vehicle; and I work both from a home office, as well as prior to Covid a company HQ. The stipulation of addendum 15 as a classification for anyone in a position of sales/business consultation or not working out of an office would not be an appropriate use of such an addendum. She replied that my only recourse was to follow up with an email and a request for appeal. I emailed this information to her as well as a full job description as per our conversations on Friday November 27th ! 10:07 am, and have to date have yet to have any reply from Ms. Chapelle or Nations Motor Club. In recent weeks I have been contacted by Nissan Motor Acceptance Corp and have had many conversations with them and emails regarding the still outstanding balance on this account. $5,616.98. I have had to file an extension with them as awaiting reply from NMC so as to further this communication and resolve this matter; although to date have (as previously mentioned) not gotten ay reply. I don't wish this to effect my credit score; although feel adamant that this claim is not being addressed properly and is need of review and further discussion. It is concerning, when reading through other reviews here, that there are many similar claims where NMC is refusing to pay for a variety of reasons. When signing up for GAP insurance through Nissan there were no options or contracts to review prior; if these addendums and exclusions were made clear to the consumer I would think it would rule out a large percentage of those purchasing this insurance; allowing only those who take public transportation, or drive into an office only as deemed eligible candidates. In todays environment most of society is needing to work from home; as our offices have been closed: thereby any visitations to a client would seek to classify almost any profession as a "commercial" vehicle.

A Gap Insurance claim was filed to Nation Motor Club for a total car loss. Settlement amount received of $890.03 is far less than the amount owed. This is the first time that I have ever had to file a complaint and appeal a decision. After the total loss of my car, I called Nation Motor Club to initiate the Gap Insurance claim.My Cain number is XXX-XXXXXXX. The assigned Adjuster ***, immediately called and sent a letter advising of the documentation that would be required. I submitted all the requested documentation in a timely manner, sometimes 2 and 3 times due to being requested on multiple occasions the same information. A letter was uploaded to my claim portal by Nation Motor Club dated 7/2, that all documentation was finally received and that the claim was being reviewed by Underwriting. After waiting two weeks without a response, I sent an email to ***@nsdmc.com on 7/21 inquiring on the claim status. I received a voicemail message from *** on 7/23 that due to COVID-19, there was an extended delay but that the claim should be reviewed by Underwriting in 16 business days. Being an Underwriter myself, I was empathetic to the processing delays as we are all dealing with unprecedent times. After waiting, I sent an email to my Adjuster *** on 8/6 inquiring on the status, since my claim was in Underwriting at this point for 25 days. Another email was sent on 8/11 advising that I still had not received any information on the claim settlement and that if a response was not received, I would be forced to file a complaint due to the delay and non-response. That same day on 8/11, a letter was uploaded to my claim portal that the claim was settled and a check in the amount of $890.03 would be sent to my former lienholder. I was absolutely shocked of the claim settlement check amount since I owed over $2,000 to my former lienholder. I received a message from my Adjuster ***, asking if I was 'satisfied' with the claim settlement. In response, I sent an email on 8/19, that I was not satisfied with the claim settlement and that I was formally appealing my claim decision and wanted the claim to be reopened by Underwriting. I then received a voicemail from my Adjuster *** on 8/13 requesting that I call her back so that she could go over the claim breakdown letter. I returned the call, however, she was not available, so I left a voicemail. As I explained in the message and another email sent, I did not need to go over the claim breakdown since as an Underwriter, I understood how they determined the check amount of $890.03, as the letter was self-explanatory. My issue is the fact that I do not feel that the correct amount was sent to my former lienholder due to two (2) warranties that I had purchased. I had one extended warranty for $2,000 and the pro-rated amount of $1,796.00 was sent to the former lienholder. However, I also had an Appearance Warranty in the amount of $1,000.00 and the pro-rated amount for the second warranty should have been sent to the lienholder. I calculated the pro-rated amount for the Appearance Warranty to be approximately $800.00. On the claim breakdown letter, the Appearance Warranty of $1,000.00 was simply deducted from the claim amount, thus reducing the settlement check. Had the pro-rated Appearance Warranty been sent to my prior lienholder, the settlement check would have been approximately $1,690.03. As I stated in an email sent to Nation Motor Club and via voicemail to my Adjuster ***, I am not seeking a windfall. The intent on my purchasing gap insurance was to be made 'whole' in the event of a total loss. The check amount sent for $890.03 in no way makes me whole.

This company wrongfully denied my claim. I filed an appeal on 1/27 and have not gotten response. Attached is my appeal I sent on 1/27 and documents On Monday evening of January 11th I hit a pot hole which caused a flat tire and a bent wheel/rim. On Tuesday January 12th, I called your office to open a claim for my tire and wheel protection. I was advised that your company did not have a plan on file for me. I submitted a picture of my contract and I was informed that my dealership did not submit the proper documentation within 90 days of purchase therefore,I do not have a policy with you. On Wednesday January 13 I contacted the dealerships corporate office (DCH auto group) and advised them of what I was told by your company. I was informed there was "some confusion" and my policy is now active and I am able to use it, I was provided with my member ID# DAXXXXXXX and claim# XXX-XXXXXXX. On Friday January 15th I called your company again BEFORE bringing my car in for service to confirm that my policy was straightened out. I also confirmed I could go anywhere of my choosing. I also asked how the process works and was informed the repair shop must contact your office before making any repairs on the car, once service is authorized and the car is repaired payment takes 2-3 days to process, if the shop cannot wait 2-3 days for payment then I can pay for the services and be reimbursed. I dropped my car off this same day (Friday Jan 15th) at All American Tire in Old Bridge, NJ. On Monday January 18th All America Tire contacted me and advised me both the tire and wheel need to be replaced. Terry advised me he called your company and was told the tire would not be covered due to the wear on the tire and that a portion of the rim would be covered. He advised me the rim would cost $708 and your company would cover a portion of the rim which was a little over $500. Terry had advised me that he needed to order the parts, and he was going to send pictures of the damage to your company per your request. I asked Terry to replace all 4 tires since they were worn down as well, which is why you will see this on paid statement attached. On Tuesday January 19th All American Tire had emailed pictures to your company at the email address your customer service agent provided to them. See attached document. On Wednesday January 20th I called All American Tire to check on the status of my car, I spoke with Anthony and was advised he had been trying to get in touch with your company regarding payment and had not been able to get in touch with anyone. I advised Anthony I would try to call as well. I called your company and advised the customer service agent that All American Tire has been trying to reach them regarding payment of this claim but they haven't been able to. The customer service agent advised me you were still waiting for pictures from all American tire. I asked the agent if she could contact All American Tire to discuss this claim since All American Tire has been dealing directly with you. The agent advised me that she cannot make outgoing calls. After getting off the phone with the agent, I spoke with Anthony at All American Tire who advised me he was able to get in touch with your company and was told it takes 2-3 days for payment to process, once they get confirmation of payment then they can release my car to me. I told Anthony the agent told me they did not receive pictures they requested and Anthony told me he sent them yesterday (1/19) to the email your company provided, he told me they did everything on their end that your company requested of them and they are just waiting on payment. I then called your company back, I advised the agent the pictures were sent, she told me she didn't see the pictures. She also advised me that the repairs were never even authorized therefor the claim is now denied. They did have authorization, they were even given exact amounts of what was covered and was told what wasn't covered, if the services weren't authorized why would a determination of coverage be discussed with the repair facility!