$3,000 on a $7,000 repair. No rental. Six weeks and counting.

By Anthony Limpert, founder of Bad Sam's. Last updated October 14, 2026.

I run mechanic, RV and digital marketing businesses. I know what a repair costs and what a fair claim looks like. I had a policy with Good Sam, and this is what happened when I used it.

What happened

• The estimate
  Toyota wrote up the repair on my truck at more than $7,000.
• The payout
  Good Sam paid a little over $3,000. They didn't confirm the amount with me before paying it.
• The callbacks
  Every callback took a day or two. Every question meant another wait.
• The rental
  I was told a rental would be provided. It never was.
• Today
  Six weeks in, the truck still isn't fixed. That's six weeks of a work truck down, missed jobs and time spent chasing a claim.

What I'm doing about it

I'm following the same steps this site recommends to everyone: getting everything in writing, filing with the state department of insurance, and keeping a log of every call. I'll update this page as the claim moves, including if Good Sam makes it right.

Why I built Bad Sam's

When I went looking, I found I wasn't alone. Tows that never came, ESP denials, renewals charged after people cancelled. Those stories were scattered across a dozen sites. Now they're in one place, sourced, with a way to fight back. If it happened to you, add it to the Wall.