Crowne Plaza Louisville Airport

This letter is in response to the inquiry received from your office on April 4, 2018. This claim is for damage to Mr. [redacted]’s rental property due to bats in the attic. Mr. [redacted] has been unwilling to allow us to inspect the damage and prepare an estimate of repairs. Since receipt of...

this complaint, we have been in communication with Mr. [redacted]’s agent, per his request. Through his agent, we have been advised that Mr. [redacted] is will meet with our independent adjuster on April 20, 2016 or on April 18, 2016. We requested that our independent adjuster contact Mr. [redacted] to schedule the inspection on one of these dates and that the independent adjuster coordinate the date and time of the inspection with Mr. [redacted]’s bat expert. Once the inspection is complete, we will be able to move forward with the resolution of this claim. If you require further assistance in this matter, please contact our Customer Relations Coordinator, Erikka K[redacted] at ###-###-#### or by email at [redacted] Sincerely, Teresa * M[redacted]

This is in response to Nationwide’s March 16, 2015 answer to my complaint.  The response, as submitted by Nationwide includes numerous errors and misleading statements, and fails to address the underlying issue: an incompetent and unethical agent(s); [redacted].  Point by point...

response:  (1)  Misleading timeline – The response makes it look like it was a “new” policy.  This is highly misleading.  I was with Nationwide from 16 years old to 18(on my parents policy) and had my own policy from 18 years old to 21 (current age) with Nationwide.  In 2014, my long-time agent left due to the death of her husband, and [redacted] took over as the Agent.  Prior to [redacted], I never had issues with Nationwide.  As a Nationwide customer for 5 years, I was surprised when [redacted] issued me a “new” policy with a different due date in April of 2014.  My due date and automatic payment was always the 7th of each month.  Nationwide always made sure the required payment was ALWAYS deducted before the insurance was put in place. (2)  April 21, 2014 to October 21, 2014 – Since I purchased my 2003 Chevrolet truck in 2013, I was always insured by Nationwide until I cancelled my policy in October 2014 due to extremely poor service and numerous agent errors. Prior to October 2014, at no time did I cancel my vehicle insurance on my 2013 Chevy truck or my 1977 Chevy truck.  Furthermore, I was NEVER late on my monthly premium as Nationwide automatically deducted it from my checking account.  Thus, their statement that the April 21, 2014 policy only included my 1977 Chevy truck is due to their incompetent agent removing the 2003 WITHOUT my authorization.  As Nationwide records all conversations AND keeps records of cancellations, they need to provide evidence that I cancelled my coverage.  However, this is not possible since at no time did I either fail to pay my policy on the 2003 Chevy or cancel it.  Instead, the Nationwide agent failed to include it on a “new” policy that should never have been issued. (3)   April 30, 2014/May 27, 2014/June 27, 2014 – I had to contact Nationwide on numerous occasions to try to correct my policy and have them add back my 2003 Chevy truck.  Nationwide even notified the ** Dept of Transportation that my insurance was cancelled on my 2003 Chevy truck even though I ALWAYS paid my premium and NEVER cancelled the 2003 Chevy truck from my policy.  Again, this was a result of an incompetent Nationwide agent.  As Nationwide records all conversations AND provides cancellation notices, require them to show that I NEVER cancelled my policy on ANY of my vehicles, prior to October 2014.  However, they cannot provide this as I NEVER asked for my 2003 Chevy truck to be removed from my policy.  The ONLY “documentation” they provided in their response was copies of the INCORRECT transactions that reflect the incompetence of their Agent(s).  The extremely poor service and misleading/false statements is further illustrated by the “addition” of a “New Homeowner” discount on May 27, 2014, effective April 21, 2014.  At NO time did I EVER request a “New Homeowner” discount as I NEVER have owned a home.  I am 21 years old, single, and a college student.  The statement on June 27, 2014, that this discount was removed due to Nationwide not receiving the required documents to support the discount is a total fabrication.  The reason they removed it was due to AGENT ERROR, not that I failed to submit the required documents.  I find this response by Nationwide to be highly unethical to falsely claim I failed to submit a document instead of stating the truth- The agent screwed-up.  Again, as Nationwide records all conversations and keeps records, they need to provide evidence (written documents or a voice recording) where I EVER requested a homeowners discount AND failed to submit the required documents.  No records exists as this is totally a false and misleading accusation by Nationwide.  May 27, 2014 – Nationwide states they combined my policies to provide me a multi car discount policy.  Again, I always insured both vehicles thru Nationwide.  It was the Nationwide agent that decided to take one of my vehicles and insure one in [redacted] and the other in [redacted]  I have always been a resident of [redacted]  I only go to college in [redacted].  This was NEVER an issue until the new agent decided to split my policies.  In June of 2014, I was able to get the coverages transferred back to a ** policy.   June 8, June 27, July 5, July 22 – Any reasonable person would conclude, if you review the changes, as provided by Nationwide in their Revdex.com complaint response, that they make no sense.  Per Nationwide’s response: 1.      On June 8, I reportedly requested my 1977 to be placed in storage.  However, about 3 weeks later (June 27), I am requesting the 1977 insurance coverage be restored, effective June 8(effectively resulting in full coverage over the period covered) on the same truck. 2.     On July 5, I reportedly requested all coverage on my 2003 Chevy truck be removed (except for comprehension), effective June 27.  However, about 3 weeks later, I am again calling to reinstate coverage, effective June 27(effectively resulting in full coverage over the period covered) on the same truck.  The above makes no sense.  Why would I be requesting reduced coverage and 3 weeks later requesting it be restored to the effective date that it was reduced?????  I am a full-time student with a full-time job.  Does it make sense that I would be spending my “spare” time calling Nationwide to take coverage off and adding the same coverage back 3 weeks later on both vehicles????  What did occur was the transmission went on my 2003 Chevy.  This was the vehicle that should have been put in storage.  The Agent kept screwing up the requested coverage.  Why would I want or why would anyone want insurance coverage (other than the bare minimum) on a truck that cannot be run???? Again, it is unethical for Nationwide to provide a response that looks like I had nothing better to do than call to reduce coverage & later increase it back to the same effective date 3 weeks later on two different vehicles???  Nationwide’s statement that I contacted them on June 26, 2014 due to having “concerns with being able to pay my bill on time”.  This is a FALSE statement.  At no time did I EVER have problems paying my bill on time.  At NO time did I EVER make a late payment with Nationwide.  The reason for the change in payment dates was to correspond to the day of the month (the 7th) that corresponded to my policy due date that was in effect for at least the past 3 years.  It is HIGHLY unethical to imply that I had concerns with being able to pay my bill on time.  As Nationwide records all phone conversations, they need to supply the audio or written documentation that shows that I was having problems with paying my bill and that I requested a payment due date change due to my concerns with paying my bill.  Again, this is a fabricated response to cover up the fact that their agent screwed up on setting the correct due date and providing the correct coverage as I requested.   Nationwide’s statement “*Nationwide did not receive a down payment on April 21, 2014.  The first payment received was in June 2014” is incorrect.  As stated previously, Nationwide had authorization and continued to deduct on the 7th of EVERY month the REQUIRED payment for insurance coverage.  In fact, Nationwide deducted $158.91 on April 7, 2014 directly from my checking account.  Furthermore, no insurance company begins a “new” policy WITHOUT first receiving payment from the insured.   Finally, Nationwide’s claim that they experienced a “system error” that caused the Declarations pages to read the renewal date of June 8, 2014 to December 8, 2014 as the policy term dates instead of the actual term date is a total fabrication.  Any reasonable person knows garbage in, garbage out.  It is NOT the computer that screwed up, it is the Agent that put the information into the computer.  Again, it is unethical of Nationwide to cover up for one or more incompetent employees and blame the computer.  I find it totally preposterous to believe a multi-billion dollar insurance company has a computer that generates incorrect renewal dates.   In summary, my experience with Nationwide reflected an unbelievable amount of errors by their agent(s).  However, at no time will Nationwide EVER admit that it was an Agent error.  Instead, they would like everyone to believe that it was a combination of a deadbeat policyholder and the failure of their computer system to generate correct renewal dates.  My only error was believing “Nationwide is on your side”.  Their true corporate philosophy is apparently “The customer is always wrong” and “If all else fails, blame the computer”.  Very Disgruntled (Former) Nationwide Policyholder  [redacted]  Please provide my response to Nationwide so they can furnish my recorded telephone conversations of intended coverage, make the necessary adjustments to my account, and forward to me my REFUND Nationwide owes me.  My alternative is to further pursue my claim against the Nationwide agent through the local [redacted] magistrate system for the refund Nationwide owes and has failed to pay.  I would also like an apology from Nationwide for making the false and unethical statements to a public entity inferring that I was having payment problems.

We disagree with Nationwide’s assessment of liabilities, so is our insurance company ([redacted]). Our insurance company determined Nationwide’s client is 100% responsible. 
We are going to use our insurance to repair the car and [redacted] will try to recover payment from Nationwide.  Contacting Revdex.com is a step that we hope will make Nationwide be more objective in their assessment. Unfortunately Nationwide is intransigent.
 
This is not words against words. We have facts below:
 
1.      [redacted] admitted his fault by offering to pay me cash if the damage is not too great.
 
2.      Nationwide representative confirmed that [redacted] said he did not see my car and he backed into my car.
 
3.      I called the police (who did not show up) at the scene. The police suggested that the person who was responsible for the accident needs to give his insurance information, driver’s license, license plate and phone number to the other person who was not responsible for the accident. So I took a photo of [redacted]’s insurance card, while [redacted] did not ask for mine at all.  This provides further evidence of liability of Nationwide’s insured client.
 
4.      On March 18th at 11:48am Pacific Time, a Nationwide representative called me (the number he called from is ###-###-####). He said that he reviewed the case and felt assigning me 30% of liability is too high.
 
Based on the facts, Nationwide’s client is 100% responsible for this accident. I am contacting Revdex.com to dispute the liability, but also report the Nationwide’s dishonesty in this case.
 
We also filed the complaint against Nationwide to [redacted] State Office of the Insurance Commissioner (OIC) about their totally dishonest and unprofessional way of conducting business. To avoid compensating our damage in the accident, Nationwide changed their stories several times.
 
In our complaints to OIC, we urged OIC to protect the interest of [redacted] State residents, and put pressure on Nationwide to correct its dishonest behavior. We also urged OIC to examine if Nationawide complies with [redacted] State’s laws and regulations, and to examine if Nationwide and its employees have a pattern of dishonest and unethical behavior and prosecute them to the fullest extent of the laws of [redacted] State.
 
Regards,
 
[redacted]

We are in receipt of your correspondence dated November 14, 2017, addressed to [redacted], regarding the above noted file and Mr. P[redacted] request to make adjustments to his [redacted] policy coverages.Upon receipt of your inquiry we contacted the vendor we use to...

service our [redacted] policyholder accounts. A representative, Bethany, made a call out to Mr. P[redacted] today and left a voice message explaining that in order to make changes to Earthquake policy coverages they will need something in writing from him. She provided a mailing address as well as the email in her message, along with giving him the phone number to call back if he would like to quote out any changes.For assistance with questions or changes to his Earthquake policy at any time, Mr. P[redacted] should contact the [redacted] Service Center at ###-###-#### or email [redacted].Thank you for bringing our member’s concerns to our attention. If you require further assistance, please contact our Customer Advocacy Coordinator, Janice Kleinhans, direct at ###-###-#### or by email at [redacted]Sincerely,Shauna T[redacted]Nationwide [redacted] Account Manager

Thank you for the opportunity to respond to Mr. [redacted]’s inquiry.
 
Per notes from the [redacted] Agency, Mr. [redacted] called the agency about his insurance premium increase at renewal.  On 3/3/15, [redacted] re-quoted his auto policy, and the new premium was...

$8.00 less for six months.  [redacted] called and left the new price on Mr. [redacted]’s answering machine.
 
The insured came into the agency on 3/25/15 and said he had not heard back from the agency about lowering his premium.  At that time, [redacted] went over the new quote with him. Mr. [redacted] advised he found lower rates at [redacted] and decided to cancel his home and auto policies effective 3/25/15.  [redacted] asked him to sign the cancellation form, and she submitted the request on 3/25/15.
 
When the insured inquired about a collection bill for $51.21, [redacted] explained that he was being charged a short-rate penalty because he cancelled his policy mid-term
 
On 4/8/15, Mr. [redacted] asked if Nationwide could adjust the cancellation date because he secured coverage with [redacted] effective 3/21/15.  [redacted] requested a copy of the [redacted] policy showing the effective date of 3/21/15, which is required by Nationwide to amend a cancellation date. This change was processed and reduced his collection amount to $26.95.
 
[redacted] also states that her dealings with Mr. [redacted] have always been professional.
 
 If you have any further questions, please contact our Customer Relations at ###-###-####.
 
Sincerely,
 
 
[redacted]

This letter is in response to your August 26, 2015 inquiry regarding the above-referenced claim. This claim resulted from an auto accident that occurred on July 31, 2015 in [redacted]The claim was reported to us on August 4, 2015. We promptly initiated our investigation into this accident on the...

same day and were able to speak to both our insured and the complainant. The loss involves a 2011 International Pro Star tractor, VIN [redacted], owned by our insured which was being operated by [redacted] Mr. [redacted] changed lanes and collided with the complainant’s vehicle. Liability for the accident is not contested; however, coverage for the accident was pending as the 2011 International Pro Star tractor was not listed on the policy at the time of the accident.Scottsdale Insurance Company provides [redacted]. with coverage under Policy No. [redacted], effective August 7, 2014 through August 7, 2015. Among other coverages, the policy provides liability coverage for specifically described autos as well as newly-acquired and temporary substitute vehicles.Complainant: [redacted]Both our insured and the complainant were advised that coverage was pending for this loss. We have also been in contact with, and provided the status of our coverage investigation to, the complainant’s insurance agent, [redacted] with Tompkins Insurance Agencies, Inc., on August 13th and August 27th as well as the complainant’s son, [redacted], on August 25th. It is our objective to return all calls within one business day.Today, August 31st, we have been able to confirm the 2011 International Pro Star tractor involved in this accident will be added to the policy as a scheduled auto prior to this accident. As coverage has now been confirmed, we have issued payment to the complainant for their estimated damages and also advised them today that payment is forthcoming.Should you require any further assistance in this matter, please contact our [redacted], Patty G[redacted], at ###-###-#### or via email at [redacted]Sincerely,Norm S[redacted]###-###-#### ###-###-####

From: Heather Curry [mailto:[email protected]] Sent: Tuesday, March 10, 2015 5:14 PMTo: [email protected]: Re: You have a new message from the Revdex.com of Central Ohio in regards to your complaint #10452689.Nothing I can do obviously. Idk how I was at fault when I wasn't in car nor did I file it

This letter is in response to the complaint filed with your agency by [redacted] regarding her automobile policy. Our records indicate the policy was written with an effective date of January 1, 2016. The policy was cancelled at the request of Ms. [redacted] effective March 15, 2016, with a balance...

due of $282.10. Nationwide issued two separate bills to the name and address on file following the cancellation of the policy.Due to the lack of receipt of payment Nationwide sent the balance due to a third party for collection. Attached please find copies of the bills mailed by Nationwide prior to the balance being turned over to collections. The balance due reflects premium owed up until the time of cancellation.If you require further assistance, please contact our [redacted], Janice K[redacted] direct at ###-###-#### or by email at [redacted]Sincerely,Colleen F[redacted]

[redacted] has chosen to ignore some key negotiation points associated with the values of the vehicle in question. After consulting with legal counsel, it was brought to our knowledge that this is a common practice for Nationwide Insurance company and Valuescope CCC. Both Nationwide Insurance company and Valuescope CCC have been sued in a court of law and lost numerous judgments for operating with illegal business practices and in bad
faith. Some of the law suites include [redacted] which the complaint claims " CCC systematically underreporting, for insurance claim purposes, the salvage value of vehicles that are "totaled" as a result of an accident that is submitted to an insurance carrier.  Simply put, CCC's purported valuations for vehicles that have been totaled are fraudulent - they are intentionally based upon data that is outdated, not comparable, and or entirely fabricated. These bogus valuations are then used by the insurance carriers who are making payments to Plaintiffs and members of the class to determine how much will be paid on their insurance claim".  Another eye opening case was [redacted] insurance in [redacted] in which [redacted] stated that Nationwide insurance has repeatedly tried to enforce that, “Its message is 1) that it is a defense-minded carrier, 2) do not mess with us if you know what is good for you, 3) you cannot run with the big dogs, 4) there is no level playing field to be had in your case, 5) you cannot afford it and what client will pay thousands of dollars to fight this battle? 6) so we can get away with anything we want to, 7) you cannot stop us,”. Nationwide lost this suite and an award of $18 million dollars against Nationwide was issued by the court. I regret that Nationwide insurance refused to fully consider the facts that I presented them and did not accept my earlier attempts to compromise.For this reason I have file a civil suit in the [redacted] Court system with the help of my attorney, against Nationwide's client [redacted] for complete restitution and payment for damages done to my 2002 Coronado Regency Chevy Express van. The judgement will be for the full repair cost of $9291.73 and the rental expenses of $683.82 for total amount owed of $9,975.55. The court date is set for February 6th, 2015.
Regards,
[redacted]

[redacted] Thank you for the...

opportunity to respond to the Revdex.com regarding policynumber ##### for [redacted] and to address his concerns about the policy.On 09/21/2012, [redacted] purchased a six month insurance policy from the InsuranceAnswer Center LLC with a bill plan of 20% down and 5 installments with an electronicfunds transfer (EFT).On 08/18/2014 a Renewal Offer was mailed to [redacted]. On [redacted]removed a 1988 Jeep Comanche and added a 2003 Chevrolet Venture which resultedin a premium decrease of $1.00 and a Revised Renewal Offer was issued. On09/24/2014 [redacted] made his renewal payment of $67.62. The premium renewed at$363.00. [redacted]'s prior term premium was $315.00. The primary reasons for thepremium increase were violations on [redacted]'s Motor Vehicle Report; a speedingviolation and a traffic light violation.On 10/07/2014 [redacted] called into our service center and requested to replace the f 990GMC Sierra with a 1990 BMW 735 1 which resulted in a premium increase of $4.00- On10/11/2014 [redacted] contacted our service center to request his policy be cancelled. Hewas advised by the service center associate that we required a signed request andexplained the short rate cancellation procedure. The service center associate emailedthe cancellation request form to [redacted].On 10/21/2014 we received a signed request to cancel the policy effective 10/11/12014.On 10/28/2014 the cancellation request was reviewed by our Processing Departmentand the policy was candled effective 10/11/2014 per [redacted]'s request. Our companyprocesses all mid term cancellations at the customer's request as a short-ratecalculation or unearned pro-rate premium x. 90.This process has been filed and approved by the Missouri Department of Insurance andis also stated in the applicant approval section of the application. The remaining balanceon [redacted]'s cancelled policy was $23.08.On 12/29/2014, [redacted] contacted the service center and paid the $23.08 remainingbalance.There is currently a $0.00 balance on the policy. I trust that I have addressed the issueswithin [redacted]'s complaint. If I can be of further assistance, please contact me at ###-###-####.Sincerely,[redacted]Tel ###-###-####

I have reviewed this claim file and would like to address Ms. [redacted]’s concerns. Ifadditional information is required, please do not hesitate to let me know.Our insured, Erin [redacted] reported this claim through the internet on the evening ofNovember 1, 2016 for the water damage to their home that...

occurred earlier that day. Theclaim was subsequently assigned to Nationwide claims adjuster, Sarah C[redacted] on November2, 2016, who attempted to contact Ms. [redacted], and left a message for a return call. Tohelp mitigate the water damages, Nationwide Insurance assigned [redacted]
[redacted], one of Nationwide Insurance’s On Your Side Property Repair Vendors onNovember 2, 2016 who started the mitigation of cleaning and drying out Ms. [redacted]’sresidence. Ms. C[redacted] spoke with Ms. [redacted] on November 3, 2016 regarding the claim.At that point, Ms. [redacted] requested a hotel and boarding for their pets, as during themitigation process an antimicrobial was sprayed in the home. Ms. C[redacted] approved this. Anestimate for the repairs to the home was completed by [redacted] onNovember 10, 2016. At this point, Mr. and Ms. [redacted] decided that they did not want touse [redacted] for the repairs to their home. As the damages werefairly significant, Ms. [redacted] found some additional damages that Ms. C[redacted] added to theestimate. The check was issued on November 22, 2016 for $18,875.82 for the repairs to thehome. Ms. [redacted] also sent in pictures, receipts, and a list of personal property that weredamaged. An estimate for these items was completed on November 16, 2016. After the personal property estimate was complete, and the revisions were made to the estimate fordamages, a check was issued to Mr. and Ms. [redacted] on November 23, 2016 for $1982.70.A check was also sent to [redacted] for the mitigation process onNovember 23, 2016 for $6,520.70.At this time, I have spoken with Ms. [redacted] regarding payments issued for mitigation,repairs and the damage to the personal property. Once the repairs have been completed,Nationwide Insurance will release the recoverable depreciation. Mr. and Ms. [redacted] areaware of the documentation that they need to send in to verify repairs have been completed.If you have any additional questions, please contact [redacted]Angela S[redacted] at ###-###-#### or [redacted]Sincerely,Jared C[redacted]

This letter is in response to the concerns filed by [redacted] regarding the cancellation of the Auto policy and the collection balance. The policy renewed July 17, 2015 with a premium of $3,370.60. A 2003 Benz CLK430 was removed from the policy effective August 4, 2015. This resulted in a decrease...

in premium of $1,681.00. Effective August 4, 2015 driver 2 was removed which resulted in a premium decrease of $33.40. Effective September 2, 2015 driver 2 was added and a 2015 Dodge Dart was added to the policy. This resulted in a premium increase of $959.50. Processed November 18, 2015, effective November 16, 2015, a 2003 BMW 330XI was replaced. This resulted in a premium increase of $73.60. Processed November 19, 2015, effective November 13, 2015, a 2015 Dodge Dart was removed from the policy. This resulted in a premium decrease of $515.70. Processed December 2, 2015, effective November 13, 2015, a 2016 Ram was added to the policy. This resulted in a premium increase of $807.80. On December 15, 2015 a bill generated for $1,191.89 due December 27, 2015 which included the changes in premium listed above that had not yet been billed in on prior statements. On January 5, 2016 a Notice of Cancellation was sent indicating we needed a payment of $1,191.89 by January 16, 2016 or the policy would cancel January 17, 2016. On January 15, 2016 a Balance due notice was mailed indicating the policy had cancelled for non payment January 17, 2016 and there was an outstanding balance due of $1,186.89 due by March 3, 2016. The January 17, 2016 policy renewal calculated at $3,946.50. Policy changes were made that added paperless discount and SmartRide discount, which reduced the renewal premium by $460.70, resulting in a revised renewal premium of $3,485.80.  The policy cancelled for non payment effective January 17, 2016. Upon the cancellation, the unearned renewal premium of $3,485.80 was removed from the balance, leaving $1,186.89 due for coverage provided during the July 17, 2015 renewal term to the cancellation date. A cancellation request form was received in the Agent’s office, indicating Ms. [redacted] request cancelled the policy effective January 22, 2016. The policy cancelled for non payment effective January 17, 2016. The request to cancel January 22, 2016 does not supersede the non pay cancellation on January 17, 2016. If you require further assistance, please contact our [redacted], Phillis H[redacted], at ###-###-#### or by email at [redacted] Sincerely, Katie W[redacted]

Nationwide fraudulently obtained my personal hotmail address. I NEVER provided this email at all to this company however I was told my information was in their system. I want a full refund of my policy premium effective 7/29/14 due to this frauduelence.
Regards,
[redacted]

[redacted]                                                               [redacted]
[redacted]
[redacted]
[redacted]
 
[redacted]
 [redacted]   the following is my request to reopen my complaint # [redacted]  In Dec. 31 2013 we were involved in an accident, Nationwide is my auto Ins. Co. Our car sat  exposed to the winter elements with the wheel ripped off and wires hanging out for 9 days.   On Jan 8th 2014 I received NW’s first Est.  ($ 6955.93) soon after I receive 3 additional  estimate’s 1-14-14 for ( $ 11,012.77) 1-14-14 for ( $ 686.59 ) 1-16-14 for ( $ 10582.69).  When I called NW , [redacted] explained some different estimates might include “shaving the  new tire to save money and match the older tire” ! That statement really surprised me.  See 4  CC’s enclosed. ( Estimates)    3-7-2014 we pick up the car paid the $ 500 deductable and the $ 686.50 to match vital safety  suspension parts on the opposite side. While driving home , we immediately notice a vibration  in the front wheel passenger side.  The car is brought back between [redacted] and  [redacted] several times. Four invoices are enclosed. (3-28, 4-7, 4-11, 12-3 )  By now we paid out of pocket $ 1192 for rental plus $ 992 for repairs we are also we are paying  every month $ 502.00 payments and Ins. For a car we could not use for nearly four months and  no transportation to get to my PT for injury to shoulder resulting from this accident.    In fact I protested prior to repair, why pay 11.5K for a seven year old car worth 14K , a repair to  value ratio of over 80% ?  I repeatedly requested a form , per [redacted]
 
[redacted] I was told “ we don’t do business that way”  Please see CC marked ‘protest#1, #2 #3 #4   The value of our car has repeatedly been said to be 18K + Yet when I questioned [redacted] I   was told “ we don’t use standard books in [redacted] for Car appraisals”  CC enclosed. In fact if   he had gone by the NADA , or Kelly’s Blue book, we would see the car value was 14K and  beyond even the NW ratio for total. Further in our defense of NW’s unfair practice, we posted  our car for over 4 months on [redacted] CC enclosed, our car’s add was viewed 32266  times,  NOT ONE SERIOUS CALL, NOT ONE INTERESTED PERSON  !!  when I asked , A.T. said it’s  likely the major accident in the car’s history.    Realizing all this we called our local office to inquire about a possible loss of value declaration,  my wife and I were shocked to hear “ the only declaration is Bad Luck”   This could have been a  joke but given the history, it was not taken as such.   Thank you for your time  Sincerely  [redacted]

Nationwide has caused me serious damages by their action. They have strained my relationship with a different Institution ([redacted]) and when Nationwide finally did present me with a check for my funds they further hindered me by initially telling the bank who was processing it, “the check was invalid”. Nationwide is either grossly incompetent or an intentional bad actor. I have only recently been able to begin recovering from their behavior. I will not consider this case closed until Nationwide reimburses me $735 in damages they have caused me.Regards, 
[redacted]

Dear [redacted]Thank you for the opportunity to review and respond to our customer's inquiry.It is Nationwide's position that not all of the treatment provided to our customer was reasonable and/or necessary medical treatment. Our policy states:"We will pay reasonable expenses incurred...

for necessary medical and funeral services because of bodily injury: 1. Caused by accident; and 2. Sustained by an insured."Further, the policy states""Reasonable medical expenses do not include expenses: 1. For treatment, services, products or procedures that are:     a.  experimental in nature, for research, or not primarily designed to serve a medical purpose; or            b.  not commonly and customarily recognized throughout the medical profession and within the United States as appropriate for                 the treatment of the bodily injury..."The treatment our customer had that Nationwide did not pay includes Decompression Therapy and Laser Therapy. Nationwide did not consider Decompression Therapy (S9090) as it is currently considered investigational and experimental and not reimbursable by most major health insurance carriers. Nationwide also did not consider Low Level Therapy. Low Level Laser Therapy is controversial in mainstream medicine with ongoing research to determine whether there is a demonstrable effect. Research appears to indicate that there is currently minimal peer reviewed research to support the use of low-level laser therapy in soft tissue injuries like the injury to our customer. Major insurance carriers and Medicare currently consider the use of low-left laser therapy as experimental and investigational.  Since our customer disagrees with our position regarding these charges, the customer has the policy right to file Arbitration to resolve this matter. The policy states:"The amount due under this coverage shall be decided by agreement between the insured and us. If there is no agreement, the amount due shall be decided by arbitration upon written request of the insured or us."If you have any further questions, please contact our Customer Relations Coordinator at ###-###-####.For more information If you have any questions or concerns, please contact me at ###-###-#### or [redacted]Sincerely,
[redacted]NATIONWIDE PROPERTY & CASUALTY INSURANCE COMPANY** [redacted]

I have reviewed the checking account referenced in the complaint, and it appears that the consumer wasincorrectly advised that she was ineligible for the $200 bonus. She has met the requirements to earn the bonus,including the requirement that the bonus is restricted to one per household.I do...

apologize for our error. The bonus has been posted to the checking account. We appreciate the opportunityto research and correct our error.Sincerely,Anne C[redacted]Nationwide Bank

This letter is in response to Mr. [redacted] message submitted to the Revdex.com received in our office onMarch 13, 2017.I am in receipt of the documentation provided by Mr. [redacted] to Sales Manager [redacted],and it has been forwarded for review. Through an oversight on my part, the documents were not sentfor review as stated in our February 27, 2017 response. I have sent the attached email to Mr.[redacted] apologizing for the delay and thanking him for his patience.If you require further assistance, please let me know.Sincerely,Janice K[redacted]

Please see attached and also below.
[redacted]
3/25/2015
Pol [redacted] Nationwide (rental home)
For the past 6 months I have been in touch with Nationwide (R. H[redacted]) regarding this claim ([redacted]) without resolve. Today, I hear via Revdex.com (R. Hogan’s letter) that Nationwide is requesting documentation in accordance with terms and conditions of the policy. He states he is communicating with me directly. However, I haven’t heard from him.
He should be communicating what he is requesting via you and the Revdex.com – I filed a complaint! Besides, if we were working together well the complaint would never have been filed.

I asked for a new pair of eyes to reinvestigate my claim? I’d like to have someone (another district) who is time conscious, able to navigate their way through a claim, then bring it to completion. At this point Nationwide is a farce and I am being forced to go to the media with this claim, my policy, and back-up emails (evidence).
Why won’t Nationwide answer my questions below? This is the 2nd request. Could it be that the claim wasn’t handled properly? I have answered all of Nationwide’s questions.
The following questions need to be answered:
1. Specifically what documents are needed, from me, to satisfy this investigation?
2. What is Nationwide alleging is wrong/miss represented?
3. What additional questions need to be answered? (please be specific)
4. What are the issues/concerns?
5. I was told I didn’t make myself available to the investigator (S. C**), but this isn’t true. I agreed to meet with him any given Saturday. Why is Nationwide lying?
6. Why wasn’t [redacted]’s estimate accepted? The contractor was hand-picked by Nationwide (I have this in an email).
7. Why didn’t I get an estimate/quote initially? Why wasn’t Nationwide available for me? The premiums are paid.
8. Why didn’t I get arbitration when I requested it in writing?
9. Please show me in my policy what was neglected/done wrong on my part? I have a copy of my policy; I went by the book and I have proof.
Thank you for your time (I know it is valuable) [redacted]- Pol[redacted]

I reviewed the response made by the business in reference to complaint ID [redacted].  I DO NOT find the resolution is satisfactory to me, but there is nothing I can do about it. It seems the only way one can afford to have homeowner's insurance is if it is never actually used. A significant increase in the premium for my policy resulted from having submitted a claim of approximately $2000, a rather paltry sum considering the cost of home repairs in general. The premium increase, however, was hefty, outrageous, and highly objectionable to me, but they have me over the proverbial barrel as do most insurance companies anymore.I suggest Nationwide Insurance start including in their billing and policy declaration information a breakdown of their point system they attach to their claims and what that means in terms of the dollars and cents increase the consumer will incur in the next premium that comes due should they actual use their insurance.  That way, the consumer can at least  have the information they need to decide if they can afford to file a claim as opposed to believing that their insurance is there to help them, but then being blind-sided by the hike in premium once they have actually used it for what it was supposedly intended for.  I prefer to make informed decisions, but this is impossible when dealing with Nationwide. The agents themselves don't know the workings of the connections between the points system and premium increases and cannot, therefore, advise a customer effectively on taking the risk of filing a claim and whether subsequently, the customer will be able to continue to afford to keep insurance on their property in the future. I was handed off to three, perhaps four employees during one phone call before anyone could be located who was able to answers my questions about their claims system of points alone. If the whole insurance field weren't equally as impossible to navigate, I would seek insurance elsewhere. I fear I would only be trading one set of headaches for another however.
Regards,  [redacted]