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I have had my rv insurance with American Family Insurance since I bought my RV 3 1/2 years ago and have everything with them for 25 years. We also have homeowers, 2 cars, 1 truck and a motorcycle insured with them. We recently got a bill for all of our vehicles and got a nasty surprise. The RV insurance bill went up about 150 %. I talked to the agent and he informed me that I had been paying a fraction of what I should have been billed. An underwriter decided that it was time to check out our policies and found what they said was fraud on our part. They determined that my 1988 Escaper was not a Class C RV but was in reality a 1 ton Toyota truck that was improperly insured. I argued with the agent for about 10 minutes and finally told him that I would be back in 15 minutes. I went home and got my RV and drove back to the agents office. I walked in and asked him if he knew the difference between a truck and an RV. We walked outside and he took 10 photos of the Escaper to send to the underwriter. I also had my Wisconsin vehicle title with me and he took a photo of that also. The title lists the vehicle manufacturer as Damon Industrues with the model listed as Escaper. It does not even have the word Toyota on it. The underwriter was going by the VIN only and would not listen to any argument because he knew the facts. I then pointed out the vehicle manufacturer id plate on the drivers door frame. It also says Damon Industries as manufacturer. After a bunch of calls back and forth between the agent and the underwriter, the underwriter finally reclassified my RV as an RV and my new bill went back to what it was before.