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Nationwide Corporation Auto Insurance

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The Dirty Truth About Nationwide's So-Called Blue Ribbon Claims Service
Posted by NationworstVictim on 05/23/2008
COLUMBUS, OHIO -- The biggest mistake of my life was to get Nationwide Insurance. When I was hit by an UNinsured military driver as I sat at the end of a line of stopped cars and sustained a permanent neck and back injury little did I know the lengths to which MY insurance company would go to DEFRAUD me out of coverage and medical care. At a time when I had two displaced vertebrae pinching my spinal cord and giving me 24/7 pain beyond description or human endurance, Nationwide was plotting to cheat me out of coverage. First they demanded I accept payment for a phantom Honda Civic (half the worth) instead of the Honda Accord they knew I had, or they would "sit on the money indefinitely, making it difficult for a 20-something year old to get a new car". Then they began to threaten my doctor. When I saw THEIR doctor and he concurred, they threatened to pull all their business from him if he dared testify. They then went to the UNinsured motorist who hit me and offered to pay for his defense against me if he agreed to play along with their abuse of the Soldier & Sailor's Relief Act to postpone the trial past the statute of limitations.

Then they came to my lawyer and demanded we settle a $100,000 lawsuit (customary for diagnosed permanent back damage at that time) for $5,000 or they would make sure the trial never occurred (i.e., blackmail, obstruction of justice). We refused. They hired 3 sets of lawyers to obstruct justice and confuse the issue, playing/twisting all sides of the issue for themselves. They even instructed the UI driver how to hide his assets and declare bankruptcy if the idiot judges in Maryland ever caught on to their endless perjurious and baseless stays. After 10 years of criminal shenanigans, Judge Nissel in Ho. Co. MD found them to be in breach of contract and "most obviously" guilty of FRAUD against me. But guess what? Insurance lobbyists have made sure no law stipulating PUNISHMENT has ever been passed. So they are still scott free to defraud their clients even though it is indeed criminal behavior. Nationwide Headquarters in Ohio was informed twice of the fraud and they wrote back indicating they didn't care how their Maryland employees operated.

In the 10 years of legal battles against these Mafioso, the seriousness and permanence of my injury became more apparent and the suit went from $100,000.00 to $500,000.00 Nationwide owes me this plus interest, not to mention PUNITIVE damages because they took it upon themselves to not only sabotage my suit against the man who injured me BEFORE I even filed a claim with them, but they sabotaged my medical treatment by bullying medical professionals! I received NO worthwhile treatment the first 2 years of my injury. Took me that long to find a brave doctor who stood up to their threats. Nationwide should be SUED and FORBIDDEN to use the motto "Nationwide is on Your Side". What a COMPLETE and UTTER LIE that is !!! That is like a child molester claiming he is, "nurturing". There is NO WORSE insurance company to be with, the people are vile, cruel and dishonest and greedy to the point of sociopathic subhuman depravity. RUN to ANY OTHER company for your insurance before they use your policy payments to attack you at the most vulnerable time in your life like they did me. I never got the help or justice I needed. Seeing a Nationwide commercial still makes me physically ill and probably always will.

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Posted by Anonymous on 2008-05-23:
So, I guess Nationwide isn't on your side?
Posted by chris513 on 2008-05-24:
So is your ex boyfriend a Nationwide employee, or in the military?
Posted by Anonymous on 2008-05-24:
Very compelling post. The wounds sting more when they arise from betrayal. In my opinion, insurance companies are solely in business to insure themselves.
Posted by dgsales on 2008-05-28:
It's sad when the big companies can bully us regular people around and get away with it. I hope you eventually get what is owed to you.
Posted by ok4now on 2009-06-15:
I've heard this horror story more than once. You faithfully pay your insurance premium every month never filing a claim. It's pure 100% profit for them. Then when you need the protection that you have been paying for their attitude is "How Dare You!!!" They come up with every excuse and loophole in the book to deny your claim. It's almost like they are running a Ponzi Scheme. They take your money and tell you about the wonderful protection you have. You sleep better at night. Then when you need to cash in all of that protection it suddenly disappears. DO NOT DEAL WITH NATIONWIDE!!! Read my review on how they want to put cheap inferior after market parts on your car after a collision.
Posted by Tam on 2013-11-07:
This is utterly atrocious!!!
My husband was with nationwide for 12years or so before we switched him over to mine. They were charging him about $80 per month more than what was necessary all those years. His fault for not being more diligent and frugal. Recently discovered he has an outstanding bill from them in collection for an accident in which the other driver was at fault, totalling HIS vehicle!
The local office in LITTLE ROCK, ARKANSAS would give out all his information to me over the phone without verifying that he'd actually gotten married. I could have been anyone.
My advice...Run don't walk!
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Victims claims go unanswered
Posted by Shirras on 10/10/2007
LITTLE ROCK, ARKANSAS -- Another heartless insurance company... My advice to anyone that is the victim in a traffic accident in which the responsible party is a Nationwide client would be to immediately hire an attorney.

The story follows:
My sister was recently involved in a traffic accident in which she was side-swiped by a Nationwide client. She was taken from the scene via ambulance due to injuries sustained to her shoulder during the impact, fortunately her 10 year old son emerged from the back seat relatively unscathed but shaken. The emergency crews had to use a crowbar to open the door to get her and her son out of the vehicle. Her car was towed and she was denied access to it for two days despite it still containing her purse and wallet.

At first Nationwide seemed responsive to the claim. Two separate adjusters were assigned, one for medical and one for property damage. They all appeared to be playing nice at first with the medical claims being taken care of. They offered a small settlement ($1000) for the pain and anguish and loss of wages from several days in a sling. She accepted their offer, but before she could sign any thing the property damage adjuster (under the assumption that the medical claim was signed off on) turned down right nasty. He refused to repair the car with anything other than bondo, refused to use acceptable, safe, standard parts (including the front bumper which along with everything else he wanted taken from a salvaged vehicle). Since I am an avid car enthusiast she politely informed them that that would not work, especially the bumper. With modern cars and crumple zones every major part is designed to absorb and deflect the impact of a crash.

Replacing a front bumper with one from a previously crashed vehicle would be a safety issue since it had already absorbed a certain amount of energy and was thus probably weakened. With a 10 year old in transport that was not acceptable to my sister or to me and posed too large of a risk for negligible cost savings. All told, to repair the car correctly was only going to be a $200 price difference. Nationwide refused. Her car was out of commission while being repaired so they provided a rental car from Enterprise. She had to foot $50 of the bill for the rental car upfront. Since when did the victim have to come out of pocket for an insurance client's recklessness? Then 5 days into the 7 day repair period my sister received a call from Enterprise stating that Nationwide had only paid for 4 days and she either had to return the car within an hour or she would be charged with grand theft auto. Nationwide refused to cover the remaining 3 days her car was to be in the shop.

I am writing this as the repairs are completed on my sisters car to give you an idea of how recent this travesty is. I would not recommend anyone use Nationwide that cares that things are made right and I'd recommend the immediate hiring of an attorney to represent YOUR interests should you be involved in an accident in which a Nationwide client is at fault.
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Posted by Slimjim on 2007-10-10:
I don't understand your argument. If the bumper they want to use has had its integrity compromised becuase of a crash, then it would have cosmetic damage and couldn't be put on her car anyway. Clearly the used bumper is probably fine but your other complaint points I do agree with.
Posted by GWbiker on 2007-10-10:
First of all, NEVER sign off on a insurance medical claim until you have spoken with at least one good doctor who reviews your injuries. Claims adjusters are paid to low ball payouts. The $50 payment to Enterprise should be just a "hold" on your credit card, to be released when the rental is returned. Nationwide was probably informed by the body shop your repairs would be completed in three days, which you should have been informed of, and if additional time was needed, Enterprise could have contacted Nationwide to authorize an additional day or two car rental. AFA the "grand theft auto" threat, Enterprise is not exactly a premier car rental company.
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Cancellation charge
Posted by Ewaldlaura on 03/10/2004
WALKERTOWN, NORTH CAROLINA -- In April of 2003, I had a small fender bender in a parking lot, and the woman demanded it be reported to my insurance. My insurance company was well aware of the accident yet never changed the policy when it was renewed in May and then again it November. I then started having it automatically deducted from my checking account. In January 2004, I received a letter showing they would no longer keep full coverage on my two cars, both are still being paid for therefore they both require full coverage. I called my agent and told him I was going to cancel my policy because I had to have full coverage. I signed a form showing my cancellation and sent it back to my agent. Nationwide still took out a payment that month and sent a bill for the next month. I called the agent again in Feb. telling him I cancelled my policy and wanted my $109 back that they took from my account. 2 weeks later I received a check from Nationwide for $37.12. I called the incompetent agent again, and after waiting for a day he finally got back to me to tell me that I was being charged for cancelling my policy with Nationwide, and that was all of my money I was getting back! They changed the policy, not me! This has to be illegal, the insurance agencies know we have no choice, it's required by law to have insurance, they are taking advantage of this by overcharging us and screwing us around. Something must be done!
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Posted by PASKLS on 2004-03-10:
Posted by parker on 2004-03-10:
i dont use insurance. its for suckers. if i hit someone oh well. i dont have license plates either so i just drive away and park my borrowed car on the curb steal a bicycle and ride off into the night.
Posted by dvsmadcow on 2004-03-27:
and we wonder why insurance rates are so high? Thanks, parker!
Posted by melissa.messner.ni1q on 2004-03-30:
It sounds like your agent didn't cancel the policy as he should have that day, and is now trying to, how to say it nicely, save his hiney. Do not let this go with the agent, if he wants to keep his reputation in good standing, he will correct this issue and make you happy. As an insurance agent in Michigan, we all have a slogan--- "one happy customer might tell a friend or two, one ticked off customer will tell everyone he runs into."
Posted by ChowderHead on 2004-06-07:
parker...you are a loser. I hope someone throws you in jail for not having insurance. The $$ to pay for an accident has to come out of someone's pocket & if YOU hit someone it comes out of theirs. That's ridiculous!
Posted by PeskyKittyButt on 2004-07-09:
Melissa, while I do agree with your assessment, there may be other things we haven't been told yet. Sounds like there wasn't enough paid into the account & the insured had residual balance due. Just a thought.
Posted by beanbagbritches on 2006-05-25:
Your insurance company had the right to non-renew your full coverage. I hate this happened out of nowhere, but they can do this. Plus, when you canceled the policy, you owed residual balance. That's why you had a payment taken out & then the balance was refunded. This is standard procedure.
Posted by Anonymous on 2012-08-15:
It sounds like they're short rating your policy. It's a penalty for cancelling before your next renewal so they charge you more money per day of coverage provided.
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How Nationwide Auto Insurance Scams You
Posted by Claredoll77 on 03/16/2010
NASHVILLE, TN -- Nationwide transferred an insurance policy without my written or verbal consent. They then put me in collection without notice, though they claim I was sent bills. I was not looking for any bills from them when I had not requested any service from them. I was a customer at Nationwide for nearly 10 years. I insured all my vehicles with them, paid all my policies up front, 6 months in advance. They made thousands of dollars off of me. I flattered myself to think that I might be a valued customer. I relocated to Nashville, TN from MI and attempted to purchase auto insurance from a Nationwide office operated by Missie Cole in Nashville TN as I was about to register my car in TN and my MI policy was about to expire. The SA (Denise) was unable to properly operate the computer or give me a quote. She wasted nearly an hour of my time, and by that time I was getting late for work. Desperately I asked "how can I get some insurance?" She ended up putting me on the phone with my old MI agent and I bought one more month of insurance from her. After this experience, I no longer trusted or wanted Nationwide as my insurance from that office and decided to seek insurance elsewhere until I could find a more reliable Nationwide agent. However, I suddenly began receiving collection notices. After some investigation, I found that Nationwide had transferred and extended my MI policy to a TN without my written or verbal authorization. I spent 3 months calling Nationwide and speaking to one representative after another. They all basically stated that "it was legal to" do this, so they did. They gave no thought to me as a trusted, long time customer whom they made money off of. I will never, ever return to them, and I do not recommend that others do. This was a terrible way to treat anyone and I felt especially violated as a long time, reliable customer. It felt worse than being mugged.

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Posted by Anonymous on 2010-03-16:
Unless I am missing something, transferring your insurance within the company to the state you move to is in fact common and legal. That is in essence what you wanted when you went into the TN office, the insurance to be in TN.

It sounds like the agent did not understand what you wanted. Did you tell her you already had insurance with Nationwide and wanted to transfer, or did you tell her you wanted NEW insurance? And why would you need a new quote if you have had Nationwide for 6 years already?

I don't understand why this would be complicated?
Posted by jktshff1 on 2010-03-16:
Sounds as if you and the TN agent were not on the same page, as well as the agent being slightly unfamiliar with your problem.
That being said, welcome to the patron State of shootin' stuff.
Good luck, ya might try a Farmers agent. I've been with them for over 30 yrs. Got mine when he was just startin. I will die before he does so I don't worry 'bout finding another agent.
Posted by claredoll77 on 2010-03-18:
I would like to clarify that I made it absolutely clear to the TN Nationwide office of Missey Cole Agent Denise that I requested a quote before the policy was to be transferred to her. And in response to LadyScot, the quote did make a difference because insurance laws in different states effect the cost of insurance. That is why I desired to know before continuing with Nationwide. Of course it is legal to transfer the policy, but I gave specific instructions not to unless I consented. The law is she can transfer it so long as she informs me in some boilerplate form she will do so. She did not. No, the agent and I were not on the same page because this agent was either a scammer or of extremely low intelligence. I give her the benefit of assuming the latter. She did not listen to me and found it easier to simply start billing via a collection agency than try legitmately sell a policy. This office looked empty and unpopular. Because of this one inefficient agent and many rude Nationwide phone reps they will never recieve the business of myself or anyone in my family again. How very short sighted.
Posted by tnchuck100 on 2010-03-18:
claredoll77, what a mess! I understand your problem. I transferred driver license, insurance, etc. when I moved to Tennessee. I ran into problems similar to yours. I had to pay close attention to every detail to avoid the same things happening to me.

When I got my Tennessee driver license they kept my other license to return to the state of issue for cancellation. They did not do it. The next thing is that state sent me a notice of suspension for failure to carry insurance on my vehicles. That HAD to fixed or Tennessee would not renew my license when the time came.

Forget trying to get any help from the Tennessee insurance commission. They are in bed with the insurance companies. I sent them a 50 page document proving my insurance company was violating state law. All I got back was a form letter stating they could not verify my information. FACT: The proof was there. They simply chose to ignore it.

Anyway, good luck to you.
Posted by claredoll77 on 2010-03-19:
Thanks for your kind words tnchuck!
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Still Waiting For An Explanation And Phone Call
Posted by Poo2 on 05/12/2009
UPPER DARBY, PENNSYLVANIA -- In March I requested a reduced premium for my 10 year old vehicle from a Nationwide agent, DiSipio Agency, in Upper Darby, PA. I got an appt. on April 22! It took that long to get a response.

I then found out that I was paying almost 50% more for my coverage. I immediately switched to AAA's.

Nationwide then charged me $73.55 for cancelling in mid-term. I waited until the due date to cancel. I paid everything I owed Nationwide. I was a customer for over 40 years.

That means nothing to Nationwide. I called Nationwide and filed a complaint for poor service from the agent. I received a case #, and was told I would get a call. I'm still waiting. I informed AAA's about the unfair charge. The AAA agent called Nationwide. They put him on hold for 15 min. He finally hung up.

PA. has a law on the books called a "Short Rate Cancellation" fee which most companies will not charge. In the experience of the agents at AAA's Auto. Club, no other company charges this penalty. They all hope that the customer will eventually come back. Not Nationwide. Not only don't they care about the customer, they don't fully explain their charges, and they don't return their phone calls!
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Posted by spiderman2 on 2009-05-12:
http://www.ins.state.pa.us/ins/site/default.asp You can file a complaint with the PA Insurance Commissioner if you would like. Check if your coverage with AAA is the same coverage as you had with Nationwide. You may have had a 50% reduction in premium because you were carrying full coverage and now are only carrying liability (which might be a wise choice on a 10 year old car). Make sure you still have uninsured and underinsured coverage on your policy.
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Adds People To Policy Without Policy Holder Consent
Posted by Seal996665 on 10/03/2011
As a former 25+/- year customer of Nationwide they decided to add my over 18 year old (child) to my policy regardless of the fact that he/she already had obtained insurance prior with another company. Nationwide decided for me to still add this driver to my policywithout my consent, prior knowledge, without my approval, and when I asked them to fix it they would not do it. I discovered the change 2 months later (after the fact) in a renewal billing. I have now been double dipped by Nationwide. I am being forced to pay for premium I do not owe in a state where insurance is not even mandatory, for a driver who already had purchased a car and insurance with another company on their own. So long Nationwide... goodbye... I gladly have a different insurance company now. By the way, the new insurance company I use now is much less expensive, by more than half the cost of what Nationwide used to charge me. Nationwide has been ripping me off for years.
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Posted by spiderman2 on 2011-10-04:
One thing to check, if your new coverageis so much cheaper it makes me wonder if it is the same level of coverage you had with Nationwide. Your rate could be cheaper because it is lesser coverage. You do not want to find this out when you make a claim.
Posted by skelly39 on 2011-10-04:
You have to disclose all residents of your household when getting a policy. If your child does not drive your vehicle, you can ask to have them excluded, but that means if he is excluded, any accident he has in your vehicle will not be covered. I would talk to your agent because most insurance companies would do the same thing.
Posted by Michael on 2013-07-30:
I have experienced the same problem with GEICO, which with the same coverages was cheaper then State Auto, All State, Nationwide, and 21st Century/Farmers...
They added my nephew to my policy, they called me and asked if he lived here, and I told them no he doesn't live here. He used my physical address to obtain his license, because they do not have a physical address where they live. They said, o.k. they will note my account, and 2 weeks later when my bill is due, my nephew was on my account and they refuse to take him off of my account. I have to send verification of his actual physical address. Which they do not have one, so I am kind of stuck. My bill $160 a month, is now $380 dollars a month, due to the fact he is a newly licensed driver. I am still fighting with Geico, and they are only getting the $160 payment. Until school resumes in Sept, when I can get a form from school to send GEICO, stating he resides with his father. LOL What a crock of SH and and ... Should be some law stating the insurance companies are not allowed to alter your policy without your consent.
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Watch for rate increases after you are quoted
Posted by Reets612 on 03/09/2010
AMARILLO, TEXAS -- On 1/31/10, I was finally able to buy another car after receiving an insurance settlement from a bodily injury accident that I was not at fault for back in 05/09.

I called up Nationwide for a quote and the quote they gave me was great. From the get go, I explained to the agent that I was finally able to buy a car because I had received an insurance settlement. I explained to her how I had been injured in the accident and it was caused by a young guy who was trying to text and drive at the same time...causing him to make an illegal left turn in front of me. I also explained that I was in the process of moving out of state and that if anything else was needed or the rate was going to be higher to please contact me via phone. I never heard anything back, so I thought the rate would stand.

When I finally got to my new home, I had received notification that my premium was going to be higher because of the bodily injury accident. Of course the same day I was able to get the mail, around $50 extra was taken out of my account for the insurance payment at the higher premium rate. I immediately called my agent and she stated that I had never disclosed that info to her so that's why the rate was higher. I told her, uh yeah I did because that the settlement was how I was able to get the car and told her that I had disclosed everything upfront. She then told me that I needed to fax over a letter of experience from my former insurance company stating that the accident was not my fault. She could even see that I had been paid a settlement from the other driver's insurance, but this was not enough for them. Obviously, the other insurance company is not going to pay me a settlement if the accident was my fault.

I asked to speak to a supervisor and was assured that one would call me back within 24 hours. A week passed and I received no call back. I called their customer service to request to speak with a manager. After being hung up on, I called yet again and told my story for the umpteenth time. I was then told that I had to speak to a "resolution specialist" before I could speak to a manager. This guy told me the same thing and that my rate "should" go back to what I was originally quoted once I faxed the required documentation. I finally called my old insurance and they are going to email me the letter, but I am not convinced this is going to make my rate go back to what I was originally quoted. It's been an hour and still no call back from a manager. I will either go back to my old insurance company or get another insurance company if Nationwide does not follow through on their promises.

So far my experience with Nationwide really sucks and I am not happy about their lack of customer service. I feel like it's a bait and switch game with them. Just be careful if you decide to do business with them and give them your debit card info. They have no problem charging you more than what was originally agreed upon.
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Posted by Anonymous on 2010-03-09:
If the accident is on your record, then that is what they have to go by. My daughter was involved in a no fault accident, and it took us 3 months to get that changed from her record. They had HER listed as the faulty driver, when it was the other way around. We didn't find out until time to renew her policy.

It isn't their fault and a quote is an estimate until they get your driver info.
Posted by reets612 on 2010-03-10:
I understand that they need this, I'm just saying the agent should have told me that up front. When I received a call back from her supervisor, she even agreed with me that this should have been told to me because they sell enough policies. The agent also failed to follow up with a phone call like she promised to let me know of the rate increase which her supervisor said should've been done.
Posted by PepperElf on 2010-03-10:
personally i would suggest not even calling the other agency. show up in person

maybe you will be able to walk out of the office with the letter i hand

then you can get copies made and drive over to the other insurance company and show it to them, etc

might be easier than hoping they email you etc
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Not On My Side
Posted by Carolann25 on 12/02/2009
I loaned my GMC truck to my son, he took off with a woman and was gone for approx 2 months. I did have the police looking for him and I was looking for him myself. I would have taken my truck if I found it. Oct. 23 he called me "thanks for taking the truck" and hung up on me. I did not hear back so I called Balt. police and found it had been towed after a hit and run on the 26th. I called my insurance agent and was told to have it towed to a body shop. I got a call from an investigator and met her a the body shop. She was rude and threatening in her manner. They refuse to consider the vehicle stolen and want to pay me approx $1100 less 500 deductible. The body shop seems to think the truck is totaled. I have been thru hell but they have finally agreed to make a more thorough investigation. I don't expect to get a fair answer from them.

My agent is [snip] in Salisbury, Md. He has been no help and I cannot even get a call back. I have called the De. insurance commission. We will have to see where it all goes.

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Posted by goduke on 2009-12-02:
It might be worth $100 or so to get 1/2 hour with a lawyer who specializes in auto insurance to help you out with knowing your rights in the situation. I'm really not sure how legally it's going to be interpreted when you loan it to a family member who doesn't return it (i'm thinking stolen but not really certain on that one).

Good luck with it. Let us know how it works out. Sorry your kid has treated you so badly.
Posted by skelly39 on 2009-12-02:
What your son did is called conversion. Regardless of whether or not he stole it, your company owes you the cost to repair the vehicle or its actual cash value, so I don't see why they felt the need to sic an investigator on you. And your agent? Fire him. That's inexcusable not to return your call.
I hope you get this worked out.
Posted by Skye on 2009-12-02:
I think you should hold your son responsible for everything you are going through. Why should you get stuck with everything??

Why are you letting him off the hook?? Also the insurance company has every right to not consider it stolen, you, yourself said you loaned it to him. Even though you say he was gone for 2 months, you still had lent it to him. Again, let him pay fof this mess he caused.

Posted by goduke on 2009-12-02:
My instinct says the same thing, skelly. I'm pretty sure they insurance is going to come back and say "why didn't you declare it stolen/converted to us before it was in the accident," "are you only now saying it was stolen because it was wrecked" or something like that. I can see how it would get messy.
Posted by spiderman2 on 2009-12-02:
Did you actually report the truck as stolen or just ask the police to look for your son? Are you pressing charges against him for theft of the truck?
Posted by jktshff1 on 2009-12-02:
+10 skye
Posted by carolann25 on 2009-12-03:
Thank everyone for your comments and help. I did go to the police re: my son being gone with my vehicle and because I had agreed to sell it to him they considered it a civil matter even though it was only a verbal agreement. He had the truck taken from him on the 23rd accident was the 26th. probably taken from him by one of his worthless acquaintances. I have asked Nationwide to reopen the investigation to place definite blame. If my son was involved, he should be charged.
Posted by PepperElf on 2009-12-03:
if the police won't let you file criminal charges on him
then get a lawyer and file a civil suit then?
Posted by madconsumer on 2009-12-03:
did you file a police report for a stolen vehicle after the truck was taken? also, if you gve the keys to the driver, most insurance agencies wont cover it as a stolen vehicle.
Posted by IknowAlittleAboutThis on 2009-12-16:
ANYONE can drive your car with your permission and the insurance will cover the vehicle. Since you let your son take your truck, you gave permission. This is no considered theft. The insurance will cover the car under collision coverage. There is no coverage under comp. (theft)
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Nationwide Was On My Side
Posted by MrFloor on 03/01/2009
GREENWOOD, SOUTH CAROLINA -- I have been insured by Nationwide for probably 10 years. I was thinking of switching to save some money but was recently in a wreck. I called my agent Steve Wall and was so impressed I'll never leave. Not only did he help me through the claim but he also drove to the wreck and put all of my tools in his car and drove me to get a rental. My truck was towed, and totaled.

Make sure you have a good agent and Nationwide is the place to be.
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Posted by MRM on 2009-03-01:
You may never meet another great person like Steve Wall.
Posted by BokiBean on 2009-03-01:
Aw! That's nice.
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Non-payment Of Claim
Posted by Carry on 06/16/2008
NEW HAMPSHIRE -- My husband was hit while riding a bicycle by a car that wandered onto the shoulder. It was a clear day on a residential street with a wide shoulder. After the car flipped him over the handlebars and left him unconscious by the side of the road, it slowed down, then quickly drove away. The sworn witness in the vehicle behind that one provide the description of events. We pay extra so that our automobile insurance includes coverage for this type of accident.

Nationwide Insurance (who has been our insurance company for more than 15 years) refused to pay (the medical bills cleared out our savings) and told us to take them to court. Most states have a bad-faith law preventing insurance companies from doing this to their customers but New Hampshire does not.

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Posted by tnchuck100 on 2008-06-16:
If you have witnesses, a police report, and a valid insurance policy all you need now is a good attorney. Sue the ba$tards. You can get all your medical bills, attorney fees, court costs, bicycle replacement and as well as punitive damages.
Posted by Anonymous on 2008-06-16:
What is their reason for not paying? Do you really have a rider on your auto insurance that provides coverage for an accident that has nothing to do with your automobile? This sounds a bit strange, but you just never know.
Posted by tnchuck100 on 2008-06-16:
I was relying on this statement:
"We pay extra so that our automobile insurance includes coverage for this type of accident."

I guess I should have added:
You really need to sue the driver.
Posted by Ponie on 2008-06-16:
I've never heard of auto insurance covering an accident while not in a car. However, since I never had the need for this type insurance, I don't know all that auto insurance companies offer. My thought would be to make a claim against the other driver's insurance company if it clearly shows s/he was at fault. Although it may be a state to state thing....
Posted by moneybags on 2008-06-16:
The problem here is that it was a basic hit and run. Ponie and Chuck don't get it....You have a description but not the driver. Sue the insurance company.
Posted by msnanny on 2008-06-16:
I'm sorry, are you saying that you have automobile insurance that covers you while riding a bike?
Posted by madconsumer on 2008-06-16:
this would be considered a hit and run accident. a police report should have been filed, and they would have followed up. if no police report was made, you may be at the mercy of your insurance company.

Posted by Slimjim on 2008-06-16:
What exactly was the extra coverage that would cover this? Nationwide seems pretty convinced being hit while riding a bike is not covered under their automobile policy, which frankly as others too noted, sounds very unusual.
Posted by Ponie on 2008-06-17:
Since I had never heard of auto insurance which covered someone while writing a bicycle, I contacted an agency in NH, explaining the facts stated in this complaint. They are shown as servicing both VT and NH. This is the reply I received this morning from their VT office:

If you are hit by a car while riding your bicyle, the car driver's
insurance would cover injuries to you. I am not aware of any coverage of
the type you are referring to. Larry

Prepared by: Larry Frazer


Phone: 8026745506
Address: 24 State St
Windsor, VT 78224-
Posted by GothicSmurf on 2008-06-20:
If you are a "NO FAULT" state then your insurance should cover it, if not, then you need to go to the drivers as Pony stated before.
Posted by chiamia on 2008-11-15:
My daughter's house is completely ruined by Hurricane Ike, was insured at $300,000. Nationwide has offered $127,00. Contents were insured for $80,000, and they were offered $25,000. Everything was ruined. This company that promises so much, would cancel if not paid on time, yet they don't fulfill their word. My three cents worth is that is all they are worth.
Posted by hammerhd on 2013-01-10:
nationwides insured ran into me from the side flipping my vehicle. I have had to fight every inch of the way,the other driver was faulted completely. My vehicle was finally paid for after fighting about how much,dragging there heels finally paid contents damaged now there trying to pay little or nothing on medical and bodily injury. Have had them b4 never again there on there side!!!!
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