Nationwide Corporation

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Nationwide is not on the consumer's side
Posted by on
DES MOINES, IOWA -- Tuesday, Aug 10,2010 a Nationwide insured hit our car in the rear while it was stopped. The car was not drivable and it was after 5 pm so it was towed to a storage lot. Rental car was not furnished until Friday. The following Monday or Tuesday, the claims representative for Nationwide calls and says our car is totaled and commented about how clean the Nationwide adjuster said it was. His first request was that I call and release the car from storage so he can have it towed to Nationwide's lot. I agreed to that.
The next order of business is to offer me $3849.60 for our vehicle and said it would cost around $4200 to fix. We bought this 2000 Accord EX V6 new in Sept. of 2000 and it has been cared for which attests to the 381,000 miles on it. It has brand new tires, brakes, alignment, and less than 20,000 miles on timing belt change. Needless to say, I thought he was joking. He was not.
I explained to him about the vehicle and he starts about the mileage (and hasn't let go of that) and valuation by the company they use. I of course told him that was ridiculous. Also that I was getting angry about this offer and we shouldn't talk right then, to call back tomorrow.
He called back the next day and upped his offer to just under $4500. I had been on the internet pricing like vehicles and using on line pricing calculators found the value to be around $6500.
NADA = $7075
Edmunds = $6425
Kelly Blue Book = $6530
Auto Trader = $5500-$9000/ aver =$7900
Lemon national avg.=$6741, <200 miles from me = $6598, 184 EX's < $10,000, only 28 EX's < $5000.
After I refused this offer, representative said the rental car would only be paid through the next Wed. I said that would be fine. We didn't really need it anyway, we had gotten by without it the 2 days before they had arranged for one.
I had found an identical vehicle in GA for $6900 and emailed the representative on Thursday that I would take $5500 then and turn the rental car in on Friday and go buy the car on the weekend. He declined this offer and reiterated the rental car expense would not be paid after Wednesday. After Friday I withdrew my offer since the car would be sold over the weekend.
Status quo had been maintained until last week I was told by representative that they could no longer store our vehicle and would need a place to tow it. Yet another strong arm tactic to get us to settle. I gave him a friend's address that agreed to keep it for us temporarily and it was towed there on 10/7/10.
The appraisals Nationwide uses are way off from the aforementioned companies. The 1st dealer on their appraisal list was quoted a "take price" of $5614 that didn't have the options our car has. Then the appraisal company starts deducting from that price. The dealer was asking $6,990 for a 2000 Accord EX V6 that he had on the lot. He didn't have the one that was on the list. The 2nd dealer on the appraisal list didn't have one since the appraisal was given on 6/3 on a vehicle that didn't have the same options and our accident was on 8/10. The 3rd one was a dealer in Huntsville which is out of our area anyway and their car didn't have our options either.
Nationwide leaves me no alternative but to take them to court and I will have my day in court. I am going to do all I can to expose Nationwide's claims practices and their appraisals which in my opinion are bad faith examples.
Nationwide or any other insurance company is not going to run over me and my family. This could have been settled easily if they only had tried to be fair instead of greedy.
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Skye on 10/11/2010:
Insurance companies also base how they price totaled/loss cars by fair market value. I know how you feel.
spiderman2 on 10/11/2010:
I know you are looking at other 2000 Honda Accords as comparable, but do they have 381,000 miles on them? That is a lot of miles (go Honda!!!) and I'm guessing that is where the problem is coming in. The average car is driven 10,000 miles per year and yours is averaging almost 35,000 per year. The mileage being that high has to affect the value. Unfortunately, insurance companies don't look at the value to you, they deal in cold, hard numbers.
Good luck to you.
trmn8r on 10/11/2010:
OK, I took the bait. The KBB numbers I got with this mileage for private resale were $4340 in Excellent condition and $3890 in Good Condition. That is a 2000 4dr EX V6 loaded. Seems to me these are in the ballpark of the insurance co numbers, give or take.
Anonymous on 10/11/2010:
The $4500 seems quite reasonable for a vehicle with that much mileage on it. I know it is worth more to you because you put so much into it but I don't think you will be getting much more. In the dealer prices you mentioned, you left out the mileage and it is a key factor in determining the amount your vehicle is worth. I hope you get as much as you can. Good luck!
cricko on 10/11/2010:
The insurance company has the obligation of indemnification. In other words put the party that was at no fault back in the shape they were in before the accident. Why should the innocent person in the wreck take a loss?
To trmn8r: I'm looking at suggested retail. When you find a one owner vehicle like ours in excellent shape, let me know about it.
To spiderman2: $2000 because of high mileage? C'mon man. High mileage on highway is nothing if taken care of. That car had an oil change every 3K and it didn't burn a drop. Still had power it had the day we bought it.
Apparently they can get better deals on cars than anyone else, let them find an acceptable replacement.
Venice09 on 10/11/2010:
If they offered you $4,500 and it will only cost $4,200 to fix, why don't they just fix it?
trmn8r on 10/11/2010:
cricko >> Yes, mileage makes all the difference. Go run it your self. At 10,000 miles, it is worth over $4000 MORE than a car with 381,000 miles.

Are you a dealer? If not, suggested retail doesn't make sense. Suggested retail includes premiums (aka dealer profit) that have nothing to do with the value of the car.
trmn8r on 10/11/2010:
Venice, an insurance company will total a car once the damage gets past something like 75-80% of the book value. I don't know why.
Venice09 on 10/11/2010:
But wouldn't it make sense for the insurance company to just fix the car? I didn't know a company would pay out more than the cost of repairs. Or why doesn't the OP just take the $4,500 and have the car fixed himself?
cricko on 10/12/2010:
To Venice09: Once they total a vehicle you have to get a salvage title and get a $15k bond for the repairs. A big pain.
To trmn8r: Retail makes sense if I am trying to replace my vehicle where $4500 will not replace it. Run it all you want to, why should we be the losers in an accident that was not our fault? You must work for an ins. co.
Anonymous on 10/12/2010:
Ahhh - therein lies the problem... They do not provide replacement value. I know it doesn't seem fair. It ISN'T fair actually but it is just the way the industry works. They recompense you for the value of what was lost. Period.

Back in the 80s someone totaled my sis' '74 Chevette. It was old but it was all she had to get to work and school and it ran beautifully. She got about $1200. What could she buy with that? Not a thing. But that was the value of the vehicle and they consider it having made you "whole".

cricko on 10/12/2010:
To incrediblelee: So I guess whatever the ins. co. says is fair, is fair? I hope it doesn't but if it should happen to you bet you'll see my point of view. The value is what is lost is what is in dispute.
Still haven't answered the question, why should you lose if not your fault? I know cookies crumble.
I fail to see how you can disagree with indemnification.
Here's a link you might find enlightening.
saj80 on 10/12/2010:
cricko, you need to understand that almost everyone agrees that the process isn't fair, and many of us have been in this situation. If you can't find something in the price range the insurance company is offering, I believe you have the right to sue the other driver for the difference.
Venice09 on 10/12/2010:
Exactly, saj. I'm sure we have all had this happen in our lives at least once. It's one of the risks of driving. If something happens, even if you're insured and not at fault, chances are it will cost you something. I doubt that anyone ever gets what they think their vehicle is worth.
cricko on 10/13/2010:
Well most of you sound like you just accept being screwed over. I don't. Appreciate the sympathy and encouragement.
Anonymous on 10/13/2010:
No need to be insulting cricko. I think everyone gave you their sincere advice.
Venice09 on 10/13/2010:
Be sure to come back and let us know how you made out, cricko.
cricko on 10/13/2010:
To incrediblelee: Where's the insult ? I'm sorry, didn't mean to where ever it is.
I’ve just got to ask this question: When is the government going to stand up for the people against the insurance companies operating that use one company, CCC, to value automobile total losses ?
An analogy: Imagine for a second that the Olympic gymnastic events are being judged by one person who is getting paid to judge the events by one country. Do you think that the country who writes the check would have an unfair advantage ? Let me answer that question; certainly!
Now we know the Olympics doesn’t work this way. Judges score the athletes, high score and low score are thrown out, then the others are averaged together to get the score.
Now why can’t appraisals work that way ?
Of course there is a system of appeals.
I could get a lawyer, if I could find one that would be willing to take the case. Most of them don’t want to fool with such small potatoes. Apparently the lawyer would be entitled to one third of any settlement that was obtained, so this is simple arithmetic (provided one can work with fractions) for an insurance company.
They offer the “fair” market value according to their appraiser (CCC), which is approximately two thirds of the real market value, which most people being in a bind will feel forced to accept. Even if you get a lawyer and win in court, the insurance company will only be paying out to you the amount they should have paid you in the first place. So it’s no big deal to them because insurance companies have lawyers already.
Will the governments do anything to correct this ? I don’t know, the insurance industry lobby is pretty strong.
Should government do something to correct this ? You know the answer to that one.
The people can make the insurance companies be fair through our politicians and the voting booth. Ask those running how they feel about this. They will probably tell you anything right now.
Or before you buy a policy, ask your agent how they determine fair market value, then get them to show it to you in the policy. The insurance company will only do what the law makes them do, after all, they’re in business. I don’t want them to be out of business. I just want them to be “fair”.
Anonymous on 10/13/2010:
If the car is deemed to be totaled the insurance company has you over a barrel. A totaled car has no trade in value and will require a "salvage title".
The insurance will lowball the client so you have to fight with them to get what you think you deserve for a replacement. I learned the hard way by taking the first offer.
That being said 381,000 miles is a lot.

Good luck.
Anonymous on 10/13/2010:
Well most of you sound like you just accept being screwed over.

That part. Wee bit insulting.

But it's cool. I think you are just out of sorts about the situation.
Slimjim on 10/13/2010:
I see Venice said it, and maybe someone else, but they did up the offer above the price to repair the car. It therefore, is not totaled and would not be considered salvage. To me, I see them willing to cover the full cost to repair the vehicle, which is what they are supposed to do. Fix the car, and they'll pay for it. What am I missing?
Anonymous on 10/13/2010:
I could have sworn that I read "totaled" earlier. Guess I was wrong.
Does that make me out of sorts Incred?
Anonymous on 10/13/2010:
Lakisha? I agree with you. Don't really know what you are asking.
Anonymous on 10/13/2010:
Oh wait - I was quoting the OP. I wasn't saying that myself. I probably should have used
Anonymous on 10/13/2010:
Gotcha, Incred.
That's what I get for not thoroughly reading the thread.
cricko on 10/13/2010:
To Slimjim: To answer your question, go back to cricko 1st thread 10/12 and trmn8r 3rd thread 10/11.
Venice09 on 10/13/2010:
Cricko says he needs a salvage title and Slim says he doesn't. Who's right? I have no idea. But since the insurance company is offering more than it will cost to fix the car, I would do whatever it takes to get it fixed. Then you will be whole again.
Skye on 10/13/2010:
It says the car was totaled in the very first paragraph. I'm not really sure what the op wants. Does he want the car repaired or does he want money for another car? I know he feels he should get money for what he put into the car, but that's not how it works. It stinks, but that's the way it is. The day before my car was stolen, I had bought new tires, winterized it, the whole works for about $1400.00, and the insurance would not take that into consideration when they paid out on my car. I also had a cream puff car, always garaged, less than 15,000 miles and the car was 8 years old. I bought it brand new, and of course we all know cars depreciate, they never appreciate.

But that's life. It's only a car.
Venice09 on 10/13/2010:
I realize that, Skye, but then they offered the OP more than what it would cost to repair the car. That doesn't make sense to me. If the car can't be repaired for whatever reason, then no amount of money would cover the cost. So I'm assuming the car is repairable.
Anonymous on 10/13/2010:
Thank you Skye I thought I saw that earlier.
I am right.
Skye on 10/13/2010:
You know what Venice, I'm not sure what is going, but if the insurance is willing to give him the amount it will cost to repair, which is way more than the car is worth, he's one lucky guy. I felt the insurance should have also paid me more, but they explained the pay out break down, which also included in it, fair market value, so I actually did OK, according to my brother anyway.
Venice09 on 10/13/2010:
We've had a few totaled cars, and we never got enough money from the insurance to replace them. No one ever does. The OP is on a mission to fight city hall, and if he has the time and energy to follow through, I wish him the best. But keep in mind that the car in question has almost 400,000 miles!
Skye on 10/13/2010:
I understand how the op feels, he's the victim here, so he wants everything back the way it was. I also wish him the best of luck.
cricko on 10/14/2010:
Let me see if I can help you. Nationwide wants to give me $4496 for our car and we give them the title. If we keep the car and have it fixed they are going to pay $3648. Their estimate to fix it was $4200 that doesn't mean we could get it fixed for that. They are not going to fix it period. They declared it totaled. Their estimate doesn't take into account any hidden damage that might be found once you get into making repairs. If we get chose to have it fixed a salvage title is what we would have and that requires a bond in our state.
Skye: The car is worth more to us than it is to you. Try replacing it. One owner car in excellent shape with same options, new tires, brakes, alignment, and timing belt. You can't do it for $4496, period. I've already stated the valuations from the other sources. The valuations Nationwide uses are bogus, period.
Venice09 on 10/14/2010:
Cricko, your car has almost 400,000 miles on it. That had to have played a major role in the decision. Did Nationwide take into consideration the new tires, etc.? Maybe that's why they raised the offer. That happened to my daughter when her car was totaled. The insurance company added an extra amount to the settlement because the car had new tires, among other things. But she still couldn't replace it for the amount of the settlement. When my car was totaled, it was worth much more to me than the insurance company was ever going to pay out. It had almost 200,000 miles but was in excellent condition. I was the only owner, and it was well maintained. I was heartbroken. Those things are meaningless to insurance companies.
PepperElf on 10/14/2010:
some advice for costs... if you chose to give them the car for the "totaled price" don't give them the brand new tires.

my parents were in a van that was totaled and also had brand new tires. they went to a junk yard and picked up some crap tires and changed them out. I believe they saved the good tires for the next vehicle (they were close enough to fit)
Venice09 on 10/14/2010:
That's good advice, Pepper. In my daughter's case, the car was towed to a local garage. We only had access long enough for her to get her belongings. It all happened very quickly. We really didn't have a chance to do anything. But the insurance company did allow for the new tires. Then they deducted $500 because there was a dent in the roof that was not caused by the accident. There is no winning.
me on 06/25/2013:
Auto insurance claims rep here. The values given for this vehicle are correct. Just because you feel something is worth more than it actually is, doesn't make it true. NW is basing the offer on what someone would actually pay for that vehicle. For example, I have a bible that belonged to my Grandmother who is now deceased. I feel it is worth quite a lot because it made the journey across the atlantic when she came here, my guess would be $500 or so. I actually took the time to have it appraised and at auction it would bring maybe $150.
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Unauthorized transfer of vehicle, hidden cancellation fee
Posted by on
I have been a customer of Nationwide for over 30 years. Had Auto insurance and homeowners policy. In 2007, I bought a new car and before I could search for other insurance, the Agent for Nationwide changed my vehicle based on a call from the dealership. I never authorized this change as I was searching for better coverage. I told my Agent that this should never occur again. I am the sole person who can request/authorize a change to my policy. As for the dealers concern, according to my policy and confirmed by the Agent, I have coverage for up to 30 days under my policy. Now, in February 2011, I purchased new vehicles again and had a different company I wanted to change to. Shortly after purchasing, I found that my new cars were already on the policy, again due to collusion between the dealer and my Nationwide Agent. I found this out when I received a statement showing new coverage and increased rates. I was upset at the cost, so I searched for other insurance and found most other companies are considerably cheaper, so I was going to change my coverage to a different company. My policy was up for renewal on March 1, and I found a new company and my coverage was to begin April 1, 2011 so I realized I would have to pay for March to Nationwide (had monthly payment plan) and I informed Nationwide of cancellation effective April 1, 2011. Subsequently to this, I received a statement saying I owed Nationwide $260 additional, even though they had already debited my account for March payment of $187. Calls to Nationwide were of no help. This was allegedly a cancellation fee, but I reviewed what contract haad been sent to me and see no mention of a cancellation fee. Nationwide, while I was still corresponding with them about the charges, sent the account to a Collection Agency and is refusing to give an accounting for the amount and/or proof of the "hidden" cancellation fee. They have acknowledged that a third party (dealer) made unknown changes to MY policy without my knowledge and consent, contrary to my instructions per the 2007 transaction. They are now refusing to discuss, show accounting and or change anything. I am now going to dump my Homeowners coverage and use a diffefrent company. Believe me, NATIONWIDE IS NOT ON YOUR SIDE, just their greedy money side!
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MDSasquatch on 05/24/2011:
When the collections agency calls, tell them you need proof of the debt in writing; they are legally obligated to send this to you. After you receive the information, you can better address the situation.
hi on 05/26/2011:
did you have a loan on the new car? The bank may have required proof of fact they probably did. Which may be why it was switched. In your paperwork from the dealers there is probably an authed form you signed allowing them to call your insurance company
Researcher on 05/30/2011:
Before you consider Nationwide investigate
their practices. I will never refer anyone
to them nor would I have them ensure anything.
Not even my dog's house.
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Nationwide is NOT on your side!!
Posted by on
LANCASTER, PENNSYLVANIA -- I was hit by a driver covered by Nationwide. She ran a stop sign and totaled my car. The next day (a Monday) we reported the claim. I was told that Nationwide would get back to me the next day and have an adjuster go look at my car. I waited. They did not call. So we called them. Mr. Cortes (the agent) told me that an adjuster still has not be assigned and they will get back to me later that day when one will be assigned. We called later on (around 4pm). And still, no one was assigned to go look at my car. I asked about getting a rental and their policy states that we (the victim) have to pay for the rental upfront and they will reinburst me (only up to a certain amount, that is). This was extremely frustrating! At the time, I was working 2 jobs and babysitting. I could not be without a car! The next day I call Mr. Cortes and he finally gives me the name and number of the adjuster. I call the adjuster repeatedly and he does not get back to me until hours later. He tells me he has not looked at my car and that he is going on vacation the next day so someone else will be looking at my car and they will contact me the very next day. And the next day comes and no one calls, yet again. At this point me and my family are furious because after all, I was the victim in this situation. I wait until the next day and call Mr. Cortes\'s office over and over again and I leave him a message stating that I will be contacting a lawyer. Finally, after 5 days of waiting for someone to look at my car (the car that their driver destroyed), my mom became fed up and called the head office in Ohio. She spoke to someone by the name of Jason Harper. After hearing out story, he agreed to grant us a rental and he told us it WILL be paid for by Nationwide upfront. We had to email him a copy of our insurance policy and that was it. That evening we go and pick up the rental at Enterprise. At this point they are on the same page as us. They understand we are not paying a cent. A few days later we finally get the check for the damage since my car was determined totaled. By the time this is said and done it is mid-May. Now, in mid June, Enterprise calls us up and tells us we owe them the money for the rental and that Nationwide did not approve anything. At this point, we are so sick of the situation, we basically say \"screw it, not our problem!\". Enterprise threatened my mother with putting this on her credit report. So, now, after enough damage done by Nationwide, my mother\'s credit score is now going to greatly affected in a negative way. I don\'t understand why they couldn\'t pay for a rental like they should and get me my check in a timely fashion. After all, this accident was NOT my fault at all. Nationwide is full of crooks and I would recommend avoiding them at all costs because they will not help you.
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Helpful on 06/20/2010:
I can tell how frustrated you are. I can't say I would be any different. I might suggest looking at this entire situation a little different way.

An insurance company is contracted with the insurer, in this case, the person who was driving the other vehicle. Basic liability insurance generally covers any medical expenses you or your passengers may have, in addition to the cost of the vehicle or the cost to repair the damages, whichever may be less. It is ultimately, however, the driver of the other vehicle that is liable for these expenses. It's generally easier to work with the driver's insurance company to resolve the problem, but if they're not being responsive, your real solution would have been to contact the other driver directly. Ultimately, I would never threaten anything that you didn't fully intend to initiate, like getting an attorney. The amount spoken about doesn't sound like it would require one. You could, however, explain to the other driver that, because the insurance company is not working with you, you expect him/her to cover the costs out of their own pocket. Not doing so would then give you no other choice but to file in a small claims court. It would then be up to the driver to work with the insurance company in order to find a reasonable resolution.

It is good that no one seemed to be injured within the accident. My best to you in the future.
allmike on 06/25/2010:
I was an agent for Nationwide years ago. You can have an account set up directly with enterprise and they will bill Nationwide directly. I don't understand why your agent said that you have to pay up front. I am now an Allstate agent. they have a %96 claims service satisfaction rate. Maybe you should try calling an agent in your area. They have wonderful coverages. Like immediate accident forgiveness, double deductible rewards, and safe driver bonus rewawds of %5 of your premium. let me know if I can be of assitance. I'm located in PA.
momsey on 06/25/2010:
allmike, just an FYI. We don't know who the OP's insurance policy is with, and it's irrelevant to this review. She's complaining about Nationwide, who is the insurer for the other driver.
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Bad Glasses
Posted by on
Rating: 1/51
SUPRISE, ARIZONA -- I purchased a pair of glasses back in Dec 2012. When I picked them up I started wearing them . Well they gave me a headache. I called the company and took them back, 3 times we did this. Picked them up the last time and they told me there was nothing else they could do for me. So I kept them. I tried to wear them and they still gave me a headache.

Now I am in Idaho and I took them into an Eye Dr. here who checked them out and low and behold they were off ( The PD) they were off 7 mm and off 8 mm to my old glasses to what they were supposed to match. They were supposed to be 30.5 on one side and 31 on the other side. They even built 2 other sets that were done in the mean time and they all gave me a headache.

Now my Eye Dr would like 158.00 to make them right. Why should I pay him when I have already paid to have them fixed and they could not fix them. NATIONWIDE IS NOT ON YOUR SIDE
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Adjuster Was Dumb or Trying to Rip Me Off
Posted by on
Rating: 1/51
COLUMBIA, SOUTH CAROLINA -- My car was hit by a Nationwide insured individual. The appraiser they sent out wrote an estimate for 1/3 of the damage as if they expected me to accept it. I have years of experience in auto repair and pointed out the frame and structural damage and he ignored it all. This is after 3 days of car sitting wrecked and no offer of a rental. It would seem to me that Nationwide policy is to rip people off for the actual money as when I complained he was defended by company. I wonder how many thousands of people have been shorted by Nationwide, seems like criminal behavior to me
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Soaring Consumer on 06/27/2013:
I suggest contacting your own insurance company and having them duke it out with Nationwide. Insurance companies in this situation are usually trying to do whatever they can to reduce their payouts and obligations to save themselves money, they are never on your side.
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Nation Wide Is Playing Dirty Pool
Posted by on
Rating: 1/51
FRISCO, TEXAS -- Nation Wide in an attempt to get out of paying hail claims has been selling a product that limits your rite to make a hail claim to 6 months! If you travel or just didn't notice that the storm that passed had hail that damaged your roof but not your car your screwed! My elderly neighbor called in about her roof leak. Nation Wide sent THEIR adjuster to inspect the damage. He agreed that the roof was damaged due to hail but refused to pay because it was past the 6 months!!!! The agents in most cases are not even aware of this BS but they will sell you that policy anyway! Nation Wide is on who's side????
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CU on 06/25/2013:
This just doesn't sound unreasonable to me.
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Charged for Somebody Else's Policy
Posted by on
Rating: 1/51
GREENSBORO, NORTH CAROLINA -- I noticed that there were two withdrawals from my bank account for an unknown person's policy. I immediately called the Nationwide corporate office. First, they did not appear to believe me. They wanted MY policy numbers and MY bank account statement. I told them to contact my bank if they did not believe me and my bank confirmed that the withdrawals had been made from my account. This still did not satisfy the person on the phone.... she seemed to imply that the problem was my fault.

I resented having to present MY bank statement to show that money was being taken out of my account. I hung up and decided to try to deal with the local agent. I told him I would come in to the office today. I am very busy with end of the year teaching duties and do not have time to spend hours first on the phone and then traveling to an out of the way office. The agent did not have the courtesy to be there. I was angry to say the least. There is no reason why I should have had to share my private bank statement for a mistake they clearly had made. Also, the women in the office were extremely RUDE. I am ready to go to the police since this is clearly a case of theft.

This is not the first time we have had trouble with this company even though we have NEVER had a car accident and only made one claim on our homeowner's policy when lightning hit our well pump thirteen years ago.
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spiderman2 on 06/07/2013:
If you are saying that the money came out of your account I don't think it is unreasonable for you to show them where it came out of. They just aren't going to take your word for it. Also, so this never happens again, DO NOT give them access to your account. Have them send a bill and write them a check or pay online. I do not have anything drafted out of my account by anyone just for this reason. It scares the heck out of me to let anyone else have access to my money.
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Lies to customers just to get you to buy their policy
Posted by on
ORLANDO -- Abbney Insurance Agent For Nationwide and the company of nationwide itself. They was called after my son had to borrow my husband truck. Which was about a 30.000.00 dollar truck.
Well that after the dealerships puts there nails into your coffin . But anyway , My husband bought the policy from on of the agent there and was told the price of the policy with my son living with us, Then he was told it would be cheaper if he just excluded him from the policy. Then my husband ask how long will he be excluded the agent replied for as long as he lives with you.And after he moves out he will not be excluded anymore . So my husband sign the contract. And left . In Jan 2007 My son moved out of my husband house and moved to bell Florida.He came down her one week end in March And ask my husband if he could borrow the truck for something and My Husband said OK .

My son took the truck and did whatever he was to do . He was coming down a dirt road and a deer came out of the woods in front of him , He then swerved to keep from hitting the deer , He lost control of the truck it rolled over, The police were called and then my son called his father wright after the police. My husband being concerned about our son he ask are you OK son. He said yes I am OK My husband And I DROVE DOWN there to make sure he was OK , We wasn't worried about the truck it was covered by insurance. We could replace the truck that was the least of our worries . My son And my husband called nationwide and told them what happed.

Nationwide called a few days latter to say the truck was not covered when we ask why it was well your son was exclude from the policy. No hes not he no longer lives in our home we provided the proof that they needed . A statement from his land lord and his po box were he got his mail . They then said that the info should have been provided sooner like the day he moved out . OK why was I not told that when I took out the policy well sir its all there in black and white , My husband explained he did not read it before he singed because he trusted the agent . All the agent said was as soon as he moves out he will no longer be excluded. He wasn't told anything about having him send something to the agent the day he moved out.

My husband would have never loaned a 30.000.00 dollar truck out if he did not think it would have been covered by his insurance.

I called the agency to make sure he was no longer excluded they said no he his not excluded . The next month my husband got the bank statement and his statement from nationwide they had put Jonathon back on his policy as a driver since April. I called to take care of it and the lady I spoke with said she didn't have him put on the policy she only had him unexcluded .

These people at Abbney and Nationwide they are not on your side
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User Replies:
Sparticus on 08/24/2007:
Doesn't surprise me too much. Insurance companies are not in the business of helping folks out... they are in the business of taking your money. Scary to think about this system when applied to our health care!
Anonymous on 08/24/2007:
This is just painful to read... spellcheck and grammar checkers are FREE software!
So far, you have blamed Chevy for steering defects, and Nationwide for insurance coverage... do you have any blame left for your son who was driving so fast down a dirt road that he overturned the truck trying to avoid a deer?
Anonymous on 08/24/2007:
Well, anytime you try to avoid hitting a deer you may swerve and roll your vehicle. I don't think you have to be speeding. It happens all the time. So, I think we should at least not jump to conclusions and decide someone is guilty unless they prove they are innocent. Maybe he was--maybe he wasn't. I think it's really beside the point. My insurance company has always said our cars were covered as long as a licensed driver is using them with our permission. So, if the son was allowed to drive the truck and everything else is in order, then the insurance company should have to pay.
jktshff1 on 08/24/2007:
"My husband explained he did not read it before he singed"
I would believe that this statement would explain quite a bit.
People have GOT to start reading what they are signing BEFORE they sign it and more important...understand what they are signing.
Anonymous on 08/24/2007:
jktshff1--amen to reading before signing. (Well we could sing too--just to confuse them.) LOL.........
jktshff1 on 08/24/2007:
Anonymous on 08/24/2007:
Three straight posts blaming everyone but the driver. People are so amusing! ROFLMAO
Anonymous on 08/24/2007:
Everyone is entitled to their own opinion. And, I wouldn't say the insurance companies--auto, health, homeowner--have good reputations either. So if I have to vote for someone, I'll choose the consumer for the most part.he insurance companies have come up guilty more often than not. Until they improve upon their images
Anonymous on 08/24/2007:
dealerdirect: Everyone is entitled to their own opinion. And, I wouldn't say the insurance companies--auto, health, homeowner--have good reputations either. So if I have to vote for someone, I'll choose the consumer. The insurance companies have a long way to go to earn my respect or trust. Sometimes I wonder why we all spend so much on insurance, just to be turned down, or canceled, when we hand in our first claim. I guess it's because we have been led to believe we will have back-up in the case of an accident/loss. Unfortunately, it's a false sense of security.
Anonymous on 08/26/2007:
Dianec: Please reread the post , concentrating on the quote "if he just excluded him from the policy it would be cheaper" and let me know what you can conclude from that.
GothicSmurf on 08/27/2007:
*My husband explained he did not read it before he singed*

ALWAYS ALWAYS ALWAYS read before you sign. BY signing an agreement/ contract your signature verifies that you did indeed read and understand what you put your John Hancock on.

Before your husband signed he should have asked where in the contract/policy what he and the agent discussed and what he needed to due to fulfill his end of the contract.
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Additional Damage increased Insurance
Posted by on
I was involved in a minor accident in February. The estimate for repair by a Nationwide approved estimator was below what would raise insurance rates. The repair location found additional damage and Nationwide accepted the damage which put me over the acceptable limit. I should have been contacted to discuss or pay the additional amount. Now I will be paying a substantial amount to Nationwide for the next three years. It was to their advantage to not tell me about the additional charges and not allow me to make up the difference. The insurance industry should mandate that the customer be informed and allowed to pay for any additional damages at the customer's choice.
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NationWide Big Scam
Posted by on
LAS VEGAS, NEVADA -- Recently I file a claim for a water heater, that was leaking. It took 3 days for a plumber to call and scheduled and appt. The plumber came the next day and took a look at he water heater and said I need a new water heater, I will need and authorization from nationwide to replaced, collect his $60 and left.

I waited for 3 days no call from the plumber company or nationwide and no hot water now for 7 days. Call Nationwide again just to find out that they declined to replace the water heater and I need to provide a maintenance record.
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Anonymous on 01/11/2009:
They do require maintenance records. But seriously who keeps a record of when the heater was flushed?

'Nationwide reserves the right to request maintenance records. For example: heating and a/c systems require periodic cleaning and/or replacement of filters and cleaning of evaporator and condenser coils. Water heaters require periodic flushing.'
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