3-3-2015I buried my son on 12-29-2014.I haven't had a mind to respond back until today.I told Nationwide Insurance before I don't go on roofsThis is why I hired a roofing company to go on roof for the fourth time.Since when we had this bad storm in [redacted] ***They know this alreadyThey can send another inspector outBut I will not give up on my roof being fixed Concerning Nationwide Insurance companyI will do what have to do [redacted] ***
I am in receipt of the Letter of Experience from [redacted] Policy [redacted] has been voided effective July 29, A full refund, of $969.60, was mailed to Ms [redacted] on March 6, Check [redacted] should be received within to business days If you have any further questions, please do not hesitate to contact me, at ###-###-####, ext [redacted] Sincerely, Christina L [redacted] Nationwide ###-###-####, ext [redacted]
Dear [redacted] This letter is in response to the inquiry received from your office on February 11, The inquiry was routed to my attention for response as I supervise [redacted] the claims associate assigned to this claim [redacted] stated in his complaint that we have not reimbursed him for mileage, tolls incurred for treatment visits, and lost time from workHe further stated he requested a Qualified Medical Examination and was denied and that we are “stalling” the settlement of his claim [redacted] is requesting $1,for his mileage and tolls reimbursement and $9,in lost wages This claim was reported to us on September 26, Based on the statements we obtained from both drivers, pictures and estimates of damages to both vehicles, and an accident reconstruction report, this was a very minor accident where a healthy adult would not likely sustain an injury from this type of accident The current medical records for [redacted] and the information we have obtained to date does not support his claim against our insuredA fair and reasonable settlement offer was extended to [redacted] in October of This offer was rejected and [redacted] continued to treat with his chiropractorA subsequent offer was extended to [redacted] in June 2014, which has also been rejectedWe believe that we have made a fair and reasonable offer based on the information that we have gathered to date We regret that [redacted] does not agree with our evaluationIf there is additional information that he has not provided we will gladly review it If you require further assistance in this matter, please contact our Customer Relations Coordinator, [redacted] , toll-free at ###-###-####, Ext [redacted] or by email at [redacted] Sincerely, [redacted] AMCO Insurance Company Phone: ###-###-#### Email Address: [redacted]
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me Regards, [redacted]
Dear [redacted] Thank you for the opportunity to respond to the Revdex.com regarding policy number [redacted] for [redacted] and to address her concerns about the policy On 2/20/2015, [redacted] purchased a six month insurance policy from the [redacted] with a bill plan of 16.7% down and installments when down payment was accepted in the amount of $ On 2/21/ [redacted] and her mother contacted our service center upset that the policy had been released as the [redacted] did not own or taken possession of the vehicleAs [redacted] had provided the vehicle identification number for the Honda Civic LX and our underwriting guidelines do not require the policy holder be the owner of a vehicle the policy was released without incident [redacted] is able to cancel her policy with a signed cancellation request, which I have provided with this document and can be returned directly to me for process at [redacted] or by fax to ###-###-#### As [redacted] was purchasing the vehicle from a private seller, documentation is not required for her to obtain a full refund A bank day processing hold is placed on all cancellations from the date of the last paymentOnce received the cancellation will be processed on 3/9/effective her requested date [redacted] can expedite her request by providing a bank statement showing the 2/20/payment of $and the preceding day running balance I trust that I have addressed the issues within [redacted] ***’s complaint If I can be of further assistance, please contact me at ###-###-#### Sincerely, [redacted]
[redacted] This communication is in response to the Revdex.com of Central Ohio’s inquiry in which you introduce the concerns of complainant [redacted] Nationwide has reviewed this file and the concerns expressed by [redacted] ***In this response we will address: the length of time it took for the repair, the current mechanical condition of the Cadillac, paying [redacted] prior to the repair process, the extension and payment activity of rental coverage beyond the maximum policy provisions, and the value of the vehicleThe repair process did take longer than expected The repair delays were caused by multiple factors Nationwide allowed this customer days additional rental car expenses over his purchased coverageWe also recognize that some delays were out of the control of Nationwide Insurance and the repair facility The date of the accident was December 31, which is during the holiday season Weather in Central [redacted] during this time was unusually harsh and there were a few unusually strong winter storms that occurred in January that slowed body shop productivity and parts supply activityOne of the lengthiest delays that impacted the delivery of the vehicle back to [redacted] involved his refusal to pick up the vehicle because of a back order on a part The vehicle was ready for pickup on or about February 21, The only thing left to complete the repair was an after market trim molding that attaches to the fender The part does not affect the drivability, functionality or safety of the vehicleIt is strictly a cosmetic trim moldingThe replacement part was not available anymore so a new set of four had to be special orderedWe offered the vehicle back to [redacted] at that time so he could get out of the rental and even test drive the vehicle as all the accident related repairs had been completed [redacted] refused to receive the vehicle back until that cosmetic part was received and installed Nationwide is not aware of any repair issues or any new discovery of accident related damageI responded to the [redacted] dealership to address a number of concerns of [redacted] *** [redacted] brought the Cadillac to the Dealership to have a second opinion on the repairs completed and because he felt that the transmission must have been damaged from the accident I discussed this with the service manager and technician after the Cadillac was put through extensive diagnostic testing It was determined that there was nothing wrong with the transmission or any of the repairs completedIn fact, all of the vibrations felt in the vehicle including the front suspension were with in manufacturer’s specifications As a result of the diagnostic testing there were a few general maintenance items that needed attention but nothing related to the accidentThe items discovered to be defective were, a hub was worn out, or slight chance it sustained some damage form the accident and the brakes and rotors should be replacedNationwide conceded to pay for the hub as it could have been damaged by the accident but the brakes and rotors are maintenance items on the vehicle and have worn out over time Nationwide did not offer to pay for the brakes and rotors [redacted] was certain his vehicle must be a total loss because of the damage the vehicle sustained As a licensed [redacted] Vehicle Damage Appraiser I conducted a complete damage assessment with [redacted] *** It was determined that the vehicle was repairable based on the estimate and the supplemental damage that was discovered The vehicle was brought in to the shop, put up on a lift and the undercarriage, suspension and drive-train were all inspected There was no indication that the damage sustained would drive the value of the repair close to the actual cash value of the vehicle [redacted] signed a repair authorization / election form at the repair shop and could have at any time told the shop he was not going to repair his vehicle there This did not happen, so the repair shop moved forward with the repairsAll delays were addressed and Nationwide has paid a fair amount for the rental [redacted] has Loss of Use (rental) coverage limits of $per day with a maximum coverage of Nationwide has paid for all rental provisions under the contract and also assisted our customer with additional rental car coverage over the purchased limits to compensate [redacted] for delays caused by the holiday’s, weather, and repair productivity [redacted] chose to purchase additional insurance coverage on the rental vehicleThis contributed to additional expenses related to his rental contract The value of the vehicle was determined by running the CCC evaluationThe evaluation method is approved by the [redacted] Department of Financial ServicesThe value stated on the evaluation is $18,The complete damage estimate is $ The damage ratio to value is 59.73% to valueIn the state of [redacted] ***, Regulation indicates a vehicle should be considered a total loss when the estimate exceeds 75%Nationwide will continue to address the concerns of [redacted] ***All of the concerns addressed above have been discussed with [redacted] by myself and our Associate Director, [redacted] on more than one occasionOur position has always been that if there are additional damages that are attributable to the December 31, accident we will address themThere has been very recent communication with [redacted] and he has not brought any new damage concerns to our attention In response to second complaint I will address items in sequence [redacted] ***’s vehicle did sit idle outside shop due to weather conditions and shop needed to find room to bring his vehicle in The shop in good faith allowed [redacted] $or days towards his rental car expense ( this was done by reducing his deductible expense of $ – the shop collected $) There was an initial estimate prepared by our Nationwide Field Associate [redacted] for $ At that point [redacted] decided to use our direct repair shop [redacted] and signed the repair authorization 1-9- I spoke to [redacted] and discussed we could put vehicle on lift to further assess the damages [redacted] *** agreed to this and we both agreed to get suspension work done so we could move vehicle and check for mobility concernsAfter this was completed, the shop and I explained to [redacted] there was no further transmission or structural damage concerns and his vehicle was repairable vs total loss Final repair bill at [redacted] is attached in prior complaint transmission I also attached a copy of the Market evaluation in that transmission along with repair authorization form [redacted] believed his vehicle was a total loss which seems to be the customer concern moving along ( this does not support his reference to [redacted] Reg [redacted] as customer signed repair authorization at shop and vehicle was not totaled ) I explained that we per state guidelines have to do a market evaluation based on comparable vehicles on average – we use CCCestimating systems to do this and this was the more accurate way to assess vehicle worth vs NADA , Kelly books His figure of $I do not understand because we need to settle vehicles when they are totaled per real numbers – our vehicle worth evaluation $( If this vehicle was a total loss Nationwide would have to settle it per our supported settlement numbers not speculation ) [redacted] at any time could have elected not to repair his vehicle by telling the repair shop where he signed a repair authorization to stop repairs He did not Nationwide has acted in accordance with [redacted] State guidelines on fair claim settlement in this case [redacted] believed we should allow replacement of left front tire and shock absorber even though they were not damaged in the loss He stated they should be replaced in matched pairs I stated that makes sense, but his policy only allows for only physical damaged items from loss and he would be responsible paying for those left side parts if he chooses to do soPer [redacted] ***, Nationwide Representatives [redacted] and my discussion, we agreed to take vehicle to second assessment location [redacted] Their assessment found one concern a noise in the left front hub Although it was questionable as loss related, Nationwide agreed to pay for this and did [redacted] s assessment stated that all repairs were done properly and that there were some maintenance concerns with vehicle ( brakes were worn ) After this assessment, [redacted] agreed to take his vehicle back to [redacted] for some cosmetic concerns and these concerns where taken care of [redacted] ***’s vehicle to date has been repaired properly and all know loss related items have been repaired per [redacted] ’s final bill, several road tests and [redacted] s assessmentReimbursement request for Vehicle loan and insurance payments are not covered expenses in this customer’s policyThey are preexisting obligations this customer had prior to loss.The Shop and Nationwide have paid for rental car expenses well above the policy provisions to assist this customerWe did not offer any more rental car assistance on this claim due to some of the delays were attributable to the customer If you require further assistance, please contact Customer Relations Coordinator, [redacted] at ###-###-####, or by email at [redacted] between the hours of 8:AM and 4:PMSincerely, [redacted] Nationwide ###-###-#### [redacted]
*** [redacted] has chosen to ignore some key negotiation points associated with the values of the vehicle in questionAfter consulting with legal counsel, it was brought to our knowledge that this is a common practice for Nationwide Insurance company and Valuescope CCCBoth 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 faithSome 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 fabricatedThese 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] [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 $million dollars against Nationwide was issued by the courtI 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 Coronado Regency Chevy Express vanThe judgement will be for the full repair cost of $and the rental expenses of $for total amount owed of $9,The court date is set for February 6th, Regards, [redacted]
This letter is in response to [redacted] ’s additional concerns [redacted] is questioning why she received a warning notice after the cancellation and the final remaining balance amount.On January 28, 2015, the warning notice and auto policy cancellation were both processed to the billing account at the same timeThis allowed the warning notice to be issued prior to the policy cancellation processingOnce the cancellation processed, the warning statement was closed and the Final bill for $was issued on January 31, 2015.When the December 20, payment of $was received, an overall balance remained of $On December 21, 2014, the new vehicle was added, which increased the balance by $227.52, making the overall balance $The December payment paid for premium owed from December 12, to January 12, 2015.On January 28, the $authority fee was waived and the cancellation processed, providing a credit of $that was applied to the balanceThis reduced the amount owed to $We waived an installment and late fee in the amount of $16.00, leaving an overall balance of $171.26.Due to the error for providing a higher discount than [redacted] qualified for, and then lowering that discount; we are honoring the original discounted premiumThis has reduced the amount owed to $[redacted] requested to cancel her property policy ( [redacted] ) and we processed her request effective the inception date, September 12, On November 10, 2014, a refund of $was issued for the cancellation of the property policyThat refund was cashed on December 2, 2014.Again, we apologize for any confusion this may have causedIf we may offer further assistance, please contact our Customer Advocacy Coordinator, [redacted] direct at: ###-###-#### or by email at [redacted] Sincerely, [redacted] Nationwide###-###-####[email protected]
This account is not factual I did call and discuss canceling my policy with Nationwide I don’t exactly recall the reason why (it might have been because Nationwide went up on my rates)I did not however tell them I wanted to cancel Nationwide took the steps to cancel my direct debitWhen I realized what happened, I called them to let them knowNationwide did not discover the errorI informed them of itAt first, Nationwide agreed to reinstate my accountThen, Nationwide informed me that they were not going to be able to reinstate my account due to claims and tried to refer me to a secondary serviceI fought them on this because I did not understand the issueWhen all was said and done, I felt as if I were under pressure and had limited time to find another insurance companyI eventually didI thought I was done with Nationwide Nationwide mentions that I did not contact them between July and March The reason being is that I was again under the impression that my relationship with Nationwide was overI did not receive anything from them stating that I owed them moneyNor did I receive a collection notice until March of As Nationwide can see, I promptly got in touch with them Again, the amount is a very small amount of money and if I would have known I owed it (which I am still not convinced that I do), I would have paid itThe issue is not the amount of moneyIt’s the collection on my credit and the way Nationwide has handled and or treated me in this process To address the claims issue, Nationwide mentions claimsI think two of them were windshields (which I didn’t realize were that type of claim), another was a massive hail storm that destroyed the exterior of my car and a 4th one was a tire that flew off a tractor trailer and hit my car in the front causing severe damageThe 03/14/claim was an accident that I was charged forI hit a car from behind at a low speed after a sudden stopHowever, the other party didn’t show up for court and I was found not guiltySo, technically, I’m not legally responsible for that claim Still, it is true that Nationwide paid out on that claim But, I am curiousIf Nationwide has the right per state law to cancel my coverage for a single incident in which a policy holder is at-fault and that was the reason Nationwide intended to cancel my coverage, why did Nationwide renew my coverage twice after that? I only sign up for month policiesSo, Nationwide would have had to renew it at least twice since the date of the accident in which I was at faultOr is there another reason that Nationwide intended to cancel my policy? It seems as if something isn’t quite right with Nationwide’s statement or Nationwide’s business practices In the end, I was under the impression that Nationwide didn’t want to do business (which includes accepting my money) with me any longer and that I needed to make changes as soon as I couldAt no point did I think I still had an obligation to Nationwide and at no point did Nationwide inform me of said obligation I still demand that this be recalled from the collection agency, deleted from my credit reportIn return, I will cut a check to Nationwide for the $I will do this despite the fact that I believe somewhere along the way Nationwide directly targeted meI believe that Nationwide felt they were losing money on my account and decided to “make a point.” And I will do it despite the fact that I don’t believe I owe the moneyI would rather pay the ransom than have my credit ruined for years Regards, [redacted] **
A Again I am requesting to have my claim settled by a different Nationwide district where I can obtain prompt, courteous, respectful service? B In addition, I am asking when will my claim for the fire damaged ADT system and range hood replacement be paid? I submitted replacement cost for both?Below are Nationwide’s comments (in black) and my responses in blue.According to Nationwide, my claim is still under investigation My question is: What is being investigated? Is there feedback regarding this investigation that has ongoing for months now? According to Nationwide, they have retained legal counsel who is communicating directly with Ms*** My response: Nationwide’s attorney is a part of Nationwide’s team, so did Nationwide really retain legal counsel or merely get help from their legal department? According to Nationwide, they are requesting documentation in accordance with the terms and conditions of the insured’s policy? My response: What documents? I have given Nationwide a copy of my policy, a copy of the quote/bill, a copy of my property deed and a copy of my lien release Please specify what other documents are needed that you are referring to? According to Nationwide, they are only asking me to comply with the policy conditions My response: I have complied with every request currently What specifically does Nationwide need? Please be specific; I am willing to comply? Again, below are the events and facts of my claim which is still open where payments are still delayed Please let me know if there are further questions/concerns/or evidence needed to substantiate any statements I have made? Again thanks for your time and consideration.September 2014, I Phoned Nationwide to report an electrical home fire and submit a claim.I protected the property from further damage.Located a contractor for repairs Many damages were repaired/ but some were not (the ADT alarm system, range hood, in-wall damages) Nationwide failed to come to the home prior to the repairs even though they were notified.Nationwide reached my home days later during the repairs.A quote/bill for the damage repairs was submitted, but rejected by Nationwide.I Allowed Nationwide to send in a 2nd contractor to verify damages and the claim – [redacted] was brought in by Nationwide (this quote agreed with quote/bill I submitted yet the claim wasn’t paid)Nationwide stated I didn’t own my home based on Nationwide’s investigation I submitted proof of ownership to Nationwide – Nationwide rejected the proof (my lien payoff and deed) and set the policy for cancellation Nationwide later reinstated the policy due to faulty investigation methods.Nationwide ask me to submit to, an examination under oath I agreed (on any given Saturday) Nationwide never contacted me back.Nationwide now wants to send in an electrician to assess damages AGAINI agreed(Nationwide has yet to set a date with me to have this electrician visit the property)Nationwide now wants an examination under oath again I agreed to the examination - June 13th Now, I am asking Nationwide to turn my claim over to a different district so that it will be handled promptly and professionally? Thank you.Sincerely, [redacted] ***
He had a permit, not a licenseHis license was not issued until 09/when he passed his driving testI sent a notice to the insurance company on 8/via fax advising the insurance company I would be terminating the policy effective 8/It isn't fair that they don't tell me until 8/that there was a rate increase, which I never received notice ofIf I had been informed on the phone when I bought the policy that there would be an increase I would have canceled right thenInstead they don't ever tell me anything until weeks later and get to retroactively charge meThat's not ethical and I shouldn't be responsible for the extra fees
Thank you for your recent inquiry regarding a complaint you received from (insert name of the complainant)As Personal Lines Underwriter, I have reviewed this claim file and would like to address [redacted] ***’s concernsIf I do not provide the information you need for this matter, please do not hesitate to let me know[redacted] had a personal lines homeowners policy.The concern regarding the cancellationThe letter [redacted] received dated April 6, outlined the hazards that were found during the inspection of his homeAs mentioned in the letter, we would be able to retain the homeowner’s policy with proof of the requested repairs(see attached letter)Since the repairs were not shown to be completed the policy canceled effective May 11, 2015.The concern regarding the refundThe Homeowner policy began on February 13, 2015, and Nationwide charged $for the annual policy premiumThe policy was in force for days.- On February 13, 2015, we received a payment for the amount of $83.17, which lowered the balance due to $914.93.- On March 17, 2015, we received a payment for the amount of $83.18, which lowered the balance due to $831.75.- The policy cancelled due to rejection effective May 11, 2015, and $was credited to the billing account in unearned premium leaving a collection amount due of $71.59.On April 16, 2015, Nationwide sent a Final Homeowner Bill for the amount of $due by May 11, (see attached)The amount of $is a valid amount due for insurance protection providedThere are no refunds for this policy.Thank you for bringing this matter to our attentionWe trust this will resolve all pending concernsIf you should have any questions or wish to discuss the matter further, please feel free to call [redacted] , Office of Customer Advocacy [redacted] at ###-###-#### or email her at [redacted] .Sincerely, [redacted] Nationwide Insurance###-###-#### [redacted]
Nationwide fraudulently obtained my personal hotmail addressI NEVER provided this email at all to this company however I was told my information was in their systemI want a full refund of my policy premium effective 7/29/due to this frauduelence Regards, [redacted] ***
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is more than satisfactory to meNationwide went above and beyond what they were required to doI very much appreciate that and my interactions with [redacted] Regards, [redacted]
his letter is in response to correspondence dated March 30, 2015. Our company representatives have addressed Ms. [redacted] ’ concerns multiple times. Ms. [redacted] may not be satisfied with the information provided in our prior responses. The company has directly and accurately responded to each inquiry and considers this matter closed. Sincerely, [redacted] ###-###-####
My letter in concern of a hit and run automotive accident in regard to my husband [redacted] yes the car accident was on 3/23/I gave a call to nationwide the next day asking for an advice because I had no clue of this person and still don’t have a clue, but I was told by one nationwide representative to wait and not file a claim yet until I had more information about the other car driver, indeed I mention to them it was a hit and run and I was still waiting on the police report, I was told it will take a few weeks and police officer had been trying to find the individual.My husband [redacted] ***) called and had file a claim, he was told they need it the police report, and also more information in regards to the accident was given to nationwide, all the information we had it was given to them, even I call [redacted] in [redacted] and ask for information because the car was sold to this individual on 2/19/2015, I was told no and called the investigator [redacted] , I was told my insurance needs to work for us not us for them, I kept waiting and asking for help and asking I just need the other drivers information, insurance, name, so I can make my claim with the driver insurance, no luckI had spoken with [redacted] many times, but I also was told there is limited things that only he can do in regards to obtain the other’s person information, has been helping us trying to contact the officer, and getting the information, dislike the fact that Liability insurance not covering on any way, not protecting us on anyway, and feel I have to pay for someone’s else error and faultNationwide has been our insurance for more than yearsLook forward to do something about this case in order to get this resolveI know something can be done about this, I’m sure we are not the only ones that have been thru this, not understanding the fact that the other’s driver information was obtained but no insurance information on any way, and [redacted] not cooperating to release the insurance information was purchased 2/19/
I got a call on Good Friday afternoon from Nationwide InsuranceI don't know who it was by it was a agent a femaleShe asked me was I [redacted] I said yesShe told me the only way I get a new roof for my home I would have to hire my own structural engineer That was a slap in my faceI didn't like what she told me.So I call [redacted] ***He told me that he thought it was the first complaintAnd said to me that he couldn't do anything about it.They will not resolved this complaintSo I'm writing you back on this[redacted] ***
Please allow this letter to serve as our response to Ms [redacted] ’s inquiryHer inquiry specifically addresses concerns regarding the handling and settlement of the Nationwide property claim for Harrine [redacted] I contacted Ms [redacted] on January 29, I explained her insurance coverage to her and explained that I would be glad to assist her I apologized for any inconvenience in the handling of her claimHer claim was incorrectly set up under her homeowners policy when in fact the loss would need to be handled under her auto policy I advised her that I would contact our call center to have the correct claim set up I contacted the call center and had a claim set up under her auto policy [redacted] which was assigned claim number [redacted] and assigned to our Fire Theft Unit I immediately contacted Ms [redacted] back and provided her with this information along with contact information for this unitI also advised her that I had the incorrect claim filed under her homeowners policy disabled to show that there was no payment issued under the policy Since the auto claim was reported Ms [redacted] has been contacted by the auto claims adjuster and a payment has been issued in accordance to her auto policy coverage Claims are handled exclusively by our claims associates and we apologize for any misunderstanding regarding the agent’s role regarding the claim and Ms [redacted] ’s contact attempts If any further follow up is necessary, please do not hesitate to contact me at the number listed below
Everything was already paid up in full on the 2013 Dodge Ram, so there was no outstanding balance that was due and the collection agency that this was turned over to has added this to my credit. I am seeking to have this outstanding balance and removal of this item from my credit rectified as soon as possible. I would need to receive proof that the removal has been submitted to all credit bureaus and that this debt has been released from my name with Nationwide. Regards, [redacted] ***
3-3-2015I buried my son on 12-29-2014.I haven't had a mind to respond back until today.I told Nationwide Insurance before I don't go on roofsThis is why I hired a roofing company to go on roof for the fourth time.Since when we had this bad storm in [redacted] ***They know this alreadyThey can send another inspector outBut I will not give up on my roof being fixed Concerning Nationwide Insurance companyI will do what have to do [redacted] ***
I am in receipt of the Letter of Experience from [redacted] Policy [redacted] has been voided effective July 29, A full refund, of $969.60, was mailed to Ms [redacted] on March 6, Check [redacted] should be received within to business days If you have any further questions, please do not hesitate to contact me, at ###-###-####, ext [redacted] Sincerely, Christina L [redacted] Nationwide ###-###-####, ext [redacted]
Dear [redacted] This letter is in response to the inquiry received from your office on February 11, The inquiry was routed to my attention for response as I supervise [redacted] the claims associate assigned to this claim [redacted] stated in his complaint that we have not reimbursed him for mileage, tolls incurred for treatment visits, and lost time from workHe further stated he requested a Qualified Medical Examination and was denied and that we are “stalling” the settlement of his claim [redacted] is requesting $1,for his mileage and tolls reimbursement and $9,in lost wages This claim was reported to us on September 26, Based on the statements we obtained from both drivers, pictures and estimates of damages to both vehicles, and an accident reconstruction report, this was a very minor accident where a healthy adult would not likely sustain an injury from this type of accident The current medical records for [redacted] and the information we have obtained to date does not support his claim against our insuredA fair and reasonable settlement offer was extended to [redacted] in October of This offer was rejected and [redacted] continued to treat with his chiropractorA subsequent offer was extended to [redacted] in June 2014, which has also been rejectedWe believe that we have made a fair and reasonable offer based on the information that we have gathered to date We regret that [redacted] does not agree with our evaluationIf there is additional information that he has not provided we will gladly review it If you require further assistance in this matter, please contact our Customer Relations Coordinator, [redacted] , toll-free at ###-###-####, Ext [redacted] or by email at [redacted] Sincerely, [redacted] AMCO Insurance Company Phone: ###-###-#### Email Address: [redacted]
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me Regards, [redacted]
Dear [redacted] Thank you for the opportunity to respond to the Revdex.com regarding policy number [redacted] for [redacted] and to address her concerns about the policy On 2/20/2015, [redacted] purchased a six month insurance policy from the [redacted] with a bill plan of 16.7% down and installments when down payment was accepted in the amount of $ On 2/21/ [redacted] and her mother contacted our service center upset that the policy had been released as the [redacted] did not own or taken possession of the vehicleAs [redacted] had provided the vehicle identification number for the Honda Civic LX and our underwriting guidelines do not require the policy holder be the owner of a vehicle the policy was released without incident [redacted] is able to cancel her policy with a signed cancellation request, which I have provided with this document and can be returned directly to me for process at [redacted] or by fax to ###-###-#### As [redacted] was purchasing the vehicle from a private seller, documentation is not required for her to obtain a full refund A bank day processing hold is placed on all cancellations from the date of the last paymentOnce received the cancellation will be processed on 3/9/effective her requested date [redacted] can expedite her request by providing a bank statement showing the 2/20/payment of $and the preceding day running balance I trust that I have addressed the issues within [redacted] ***’s complaint If I can be of further assistance, please contact me at ###-###-#### Sincerely, [redacted]
[redacted] This communication is in response to the Revdex.com of Central Ohio’s inquiry in which you introduce the concerns of complainant [redacted] Nationwide has reviewed this file and the concerns expressed by [redacted] ***In this response we will address: the length of time it took for the repair, the current mechanical condition of the Cadillac, paying [redacted] prior to the repair process, the extension and payment activity of rental coverage beyond the maximum policy provisions, and the value of the vehicleThe repair process did take longer than expected The repair delays were caused by multiple factors Nationwide allowed this customer days additional rental car expenses over his purchased coverageWe also recognize that some delays were out of the control of Nationwide Insurance and the repair facility The date of the accident was December 31, which is during the holiday season Weather in Central [redacted] during this time was unusually harsh and there were a few unusually strong winter storms that occurred in January that slowed body shop productivity and parts supply activityOne of the lengthiest delays that impacted the delivery of the vehicle back to [redacted] involved his refusal to pick up the vehicle because of a back order on a part The vehicle was ready for pickup on or about February 21, The only thing left to complete the repair was an after market trim molding that attaches to the fender The part does not affect the drivability, functionality or safety of the vehicleIt is strictly a cosmetic trim moldingThe replacement part was not available anymore so a new set of four had to be special orderedWe offered the vehicle back to [redacted] at that time so he could get out of the rental and even test drive the vehicle as all the accident related repairs had been completed [redacted] refused to receive the vehicle back until that cosmetic part was received and installed Nationwide is not aware of any repair issues or any new discovery of accident related damageI responded to the [redacted] dealership to address a number of concerns of [redacted] *** [redacted] brought the Cadillac to the Dealership to have a second opinion on the repairs completed and because he felt that the transmission must have been damaged from the accident I discussed this with the service manager and technician after the Cadillac was put through extensive diagnostic testing It was determined that there was nothing wrong with the transmission or any of the repairs completedIn fact, all of the vibrations felt in the vehicle including the front suspension were with in manufacturer’s specifications As a result of the diagnostic testing there were a few general maintenance items that needed attention but nothing related to the accidentThe items discovered to be defective were, a hub was worn out, or slight chance it sustained some damage form the accident and the brakes and rotors should be replacedNationwide conceded to pay for the hub as it could have been damaged by the accident but the brakes and rotors are maintenance items on the vehicle and have worn out over time Nationwide did not offer to pay for the brakes and rotors [redacted] was certain his vehicle must be a total loss because of the damage the vehicle sustained As a licensed [redacted] Vehicle Damage Appraiser I conducted a complete damage assessment with [redacted] *** It was determined that the vehicle was repairable based on the estimate and the supplemental damage that was discovered The vehicle was brought in to the shop, put up on a lift and the undercarriage, suspension and drive-train were all inspected There was no indication that the damage sustained would drive the value of the repair close to the actual cash value of the vehicle [redacted] signed a repair authorization / election form at the repair shop and could have at any time told the shop he was not going to repair his vehicle there This did not happen, so the repair shop moved forward with the repairsAll delays were addressed and Nationwide has paid a fair amount for the rental [redacted] has Loss of Use (rental) coverage limits of $per day with a maximum coverage of Nationwide has paid for all rental provisions under the contract and also assisted our customer with additional rental car coverage over the purchased limits to compensate [redacted] for delays caused by the holiday’s, weather, and repair productivity [redacted] chose to purchase additional insurance coverage on the rental vehicleThis contributed to additional expenses related to his rental contract The value of the vehicle was determined by running the CCC evaluationThe evaluation method is approved by the [redacted] Department of Financial ServicesThe value stated on the evaluation is $18,The complete damage estimate is $ The damage ratio to value is 59.73% to valueIn the state of [redacted] ***, Regulation indicates a vehicle should be considered a total loss when the estimate exceeds 75%Nationwide will continue to address the concerns of [redacted] ***All of the concerns addressed above have been discussed with [redacted] by myself and our Associate Director, [redacted] on more than one occasionOur position has always been that if there are additional damages that are attributable to the December 31, accident we will address themThere has been very recent communication with [redacted] and he has not brought any new damage concerns to our attention In response to second complaint I will address items in sequence [redacted] ***’s vehicle did sit idle outside shop due to weather conditions and shop needed to find room to bring his vehicle in The shop in good faith allowed [redacted] $or days towards his rental car expense ( this was done by reducing his deductible expense of $ – the shop collected $) There was an initial estimate prepared by our Nationwide Field Associate [redacted] for $ At that point [redacted] decided to use our direct repair shop [redacted] and signed the repair authorization 1-9- I spoke to [redacted] and discussed we could put vehicle on lift to further assess the damages [redacted] *** agreed to this and we both agreed to get suspension work done so we could move vehicle and check for mobility concernsAfter this was completed, the shop and I explained to [redacted] there was no further transmission or structural damage concerns and his vehicle was repairable vs total loss Final repair bill at [redacted] is attached in prior complaint transmission I also attached a copy of the Market evaluation in that transmission along with repair authorization form [redacted] believed his vehicle was a total loss which seems to be the customer concern moving along ( this does not support his reference to [redacted] Reg [redacted] as customer signed repair authorization at shop and vehicle was not totaled ) I explained that we per state guidelines have to do a market evaluation based on comparable vehicles on average – we use CCCestimating systems to do this and this was the more accurate way to assess vehicle worth vs NADA , Kelly books His figure of $I do not understand because we need to settle vehicles when they are totaled per real numbers – our vehicle worth evaluation $( If this vehicle was a total loss Nationwide would have to settle it per our supported settlement numbers not speculation ) [redacted] at any time could have elected not to repair his vehicle by telling the repair shop where he signed a repair authorization to stop repairs He did not Nationwide has acted in accordance with [redacted] State guidelines on fair claim settlement in this case [redacted] believed we should allow replacement of left front tire and shock absorber even though they were not damaged in the loss He stated they should be replaced in matched pairs I stated that makes sense, but his policy only allows for only physical damaged items from loss and he would be responsible paying for those left side parts if he chooses to do soPer [redacted] ***, Nationwide Representatives [redacted] and my discussion, we agreed to take vehicle to second assessment location [redacted] Their assessment found one concern a noise in the left front hub Although it was questionable as loss related, Nationwide agreed to pay for this and did [redacted] s assessment stated that all repairs were done properly and that there were some maintenance concerns with vehicle ( brakes were worn ) After this assessment, [redacted] agreed to take his vehicle back to [redacted] for some cosmetic concerns and these concerns where taken care of [redacted] ***’s vehicle to date has been repaired properly and all know loss related items have been repaired per [redacted] ’s final bill, several road tests and [redacted] s assessmentReimbursement request for Vehicle loan and insurance payments are not covered expenses in this customer’s policyThey are preexisting obligations this customer had prior to loss.The Shop and Nationwide have paid for rental car expenses well above the policy provisions to assist this customerWe did not offer any more rental car assistance on this claim due to some of the delays were attributable to the customer If you require further assistance, please contact Customer Relations Coordinator, [redacted] at ###-###-####, or by email at [redacted] between the hours of 8:AM and 4:PMSincerely, [redacted] Nationwide ###-###-#### [redacted]
*** [redacted] has chosen to ignore some key negotiation points associated with the values of the vehicle in questionAfter consulting with legal counsel, it was brought to our knowledge that this is a common practice for Nationwide Insurance company and Valuescope CCCBoth 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 faithSome 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 fabricatedThese 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] [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 $million dollars against Nationwide was issued by the courtI 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 Coronado Regency Chevy Express vanThe judgement will be for the full repair cost of $and the rental expenses of $for total amount owed of $9,The court date is set for February 6th, Regards, [redacted]
This letter is in response to [redacted] ’s additional concerns [redacted] is questioning why she received a warning notice after the cancellation and the final remaining balance amount.On January 28, 2015, the warning notice and auto policy cancellation were both processed to the billing account at the same timeThis allowed the warning notice to be issued prior to the policy cancellation processingOnce the cancellation processed, the warning statement was closed and the Final bill for $was issued on January 31, 2015.When the December 20, payment of $was received, an overall balance remained of $On December 21, 2014, the new vehicle was added, which increased the balance by $227.52, making the overall balance $The December payment paid for premium owed from December 12, to January 12, 2015.On January 28, the $authority fee was waived and the cancellation processed, providing a credit of $that was applied to the balanceThis reduced the amount owed to $We waived an installment and late fee in the amount of $16.00, leaving an overall balance of $171.26.Due to the error for providing a higher discount than [redacted] qualified for, and then lowering that discount; we are honoring the original discounted premiumThis has reduced the amount owed to $[redacted] requested to cancel her property policy ( [redacted] ) and we processed her request effective the inception date, September 12, On November 10, 2014, a refund of $was issued for the cancellation of the property policyThat refund was cashed on December 2, 2014.Again, we apologize for any confusion this may have causedIf we may offer further assistance, please contact our Customer Advocacy Coordinator, [redacted] direct at: ###-###-#### or by email at [redacted] Sincerely, [redacted] Nationwide###-###-####[email protected]
This account is not factual I did call and discuss canceling my policy with Nationwide I don’t exactly recall the reason why (it might have been because Nationwide went up on my rates)I did not however tell them I wanted to cancel Nationwide took the steps to cancel my direct debitWhen I realized what happened, I called them to let them knowNationwide did not discover the errorI informed them of itAt first, Nationwide agreed to reinstate my accountThen, Nationwide informed me that they were not going to be able to reinstate my account due to claims and tried to refer me to a secondary serviceI fought them on this because I did not understand the issueWhen all was said and done, I felt as if I were under pressure and had limited time to find another insurance companyI eventually didI thought I was done with Nationwide Nationwide mentions that I did not contact them between July and March The reason being is that I was again under the impression that my relationship with Nationwide was overI did not receive anything from them stating that I owed them moneyNor did I receive a collection notice until March of As Nationwide can see, I promptly got in touch with them Again, the amount is a very small amount of money and if I would have known I owed it (which I am still not convinced that I do), I would have paid itThe issue is not the amount of moneyIt’s the collection on my credit and the way Nationwide has handled and or treated me in this process To address the claims issue, Nationwide mentions claimsI think two of them were windshields (which I didn’t realize were that type of claim), another was a massive hail storm that destroyed the exterior of my car and a 4th one was a tire that flew off a tractor trailer and hit my car in the front causing severe damageThe 03/14/claim was an accident that I was charged forI hit a car from behind at a low speed after a sudden stopHowever, the other party didn’t show up for court and I was found not guiltySo, technically, I’m not legally responsible for that claim Still, it is true that Nationwide paid out on that claim But, I am curiousIf Nationwide has the right per state law to cancel my coverage for a single incident in which a policy holder is at-fault and that was the reason Nationwide intended to cancel my coverage, why did Nationwide renew my coverage twice after that? I only sign up for month policiesSo, Nationwide would have had to renew it at least twice since the date of the accident in which I was at faultOr is there another reason that Nationwide intended to cancel my policy? It seems as if something isn’t quite right with Nationwide’s statement or Nationwide’s business practices In the end, I was under the impression that Nationwide didn’t want to do business (which includes accepting my money) with me any longer and that I needed to make changes as soon as I couldAt no point did I think I still had an obligation to Nationwide and at no point did Nationwide inform me of said obligation I still demand that this be recalled from the collection agency, deleted from my credit reportIn return, I will cut a check to Nationwide for the $I will do this despite the fact that I believe somewhere along the way Nationwide directly targeted meI believe that Nationwide felt they were losing money on my account and decided to “make a point.” And I will do it despite the fact that I don’t believe I owe the moneyI would rather pay the ransom than have my credit ruined for years Regards, [redacted] **
A Again I am requesting to have my claim settled by a different Nationwide district where I can obtain prompt, courteous, respectful service? B In addition, I am asking when will my claim for the fire damaged ADT system and range hood replacement be paid? I submitted replacement cost for both?Below are Nationwide’s comments (in black) and my responses in blue.According to Nationwide, my claim is still under investigation My question is: What is being investigated? Is there feedback regarding this investigation that has ongoing for months now? According to Nationwide, they have retained legal counsel who is communicating directly with Ms*** My response: Nationwide’s attorney is a part of Nationwide’s team, so did Nationwide really retain legal counsel or merely get help from their legal department? According to Nationwide, they are requesting documentation in accordance with the terms and conditions of the insured’s policy? My response: What documents? I have given Nationwide a copy of my policy, a copy of the quote/bill, a copy of my property deed and a copy of my lien release Please specify what other documents are needed that you are referring to? According to Nationwide, they are only asking me to comply with the policy conditions My response: I have complied with every request currently What specifically does Nationwide need? Please be specific; I am willing to comply? Again, below are the events and facts of my claim which is still open where payments are still delayed Please let me know if there are further questions/concerns/or evidence needed to substantiate any statements I have made? Again thanks for your time and consideration.September 2014, I Phoned Nationwide to report an electrical home fire and submit a claim.I protected the property from further damage.Located a contractor for repairs Many damages were repaired/ but some were not (the ADT alarm system, range hood, in-wall damages) Nationwide failed to come to the home prior to the repairs even though they were notified.Nationwide reached my home days later during the repairs.A quote/bill for the damage repairs was submitted, but rejected by Nationwide.I Allowed Nationwide to send in a 2nd contractor to verify damages and the claim – [redacted] was brought in by Nationwide (this quote agreed with quote/bill I submitted yet the claim wasn’t paid)Nationwide stated I didn’t own my home based on Nationwide’s investigation I submitted proof of ownership to Nationwide – Nationwide rejected the proof (my lien payoff and deed) and set the policy for cancellation Nationwide later reinstated the policy due to faulty investigation methods.Nationwide ask me to submit to, an examination under oath I agreed (on any given Saturday) Nationwide never contacted me back.Nationwide now wants to send in an electrician to assess damages AGAINI agreed(Nationwide has yet to set a date with me to have this electrician visit the property)Nationwide now wants an examination under oath again I agreed to the examination - June 13th Now, I am asking Nationwide to turn my claim over to a different district so that it will be handled promptly and professionally? Thank you.Sincerely, [redacted] ***
He had a permit, not a licenseHis license was not issued until 09/when he passed his driving testI sent a notice to the insurance company on 8/via fax advising the insurance company I would be terminating the policy effective 8/It isn't fair that they don't tell me until 8/that there was a rate increase, which I never received notice ofIf I had been informed on the phone when I bought the policy that there would be an increase I would have canceled right thenInstead they don't ever tell me anything until weeks later and get to retroactively charge meThat's not ethical and I shouldn't be responsible for the extra fees
Thank you for your recent inquiry regarding a complaint you received from (insert name of the complainant)As Personal Lines Underwriter, I have reviewed this claim file and would like to address [redacted] ***’s concernsIf I do not provide the information you need for this matter, please do not hesitate to let me know[redacted] had a personal lines homeowners policy.The concern regarding the cancellationThe letter [redacted] received dated April 6, outlined the hazards that were found during the inspection of his homeAs mentioned in the letter, we would be able to retain the homeowner’s policy with proof of the requested repairs(see attached letter)Since the repairs were not shown to be completed the policy canceled effective May 11, 2015.The concern regarding the refundThe Homeowner policy began on February 13, 2015, and Nationwide charged $for the annual policy premiumThe policy was in force for days.- On February 13, 2015, we received a payment for the amount of $83.17, which lowered the balance due to $914.93.- On March 17, 2015, we received a payment for the amount of $83.18, which lowered the balance due to $831.75.- The policy cancelled due to rejection effective May 11, 2015, and $was credited to the billing account in unearned premium leaving a collection amount due of $71.59.On April 16, 2015, Nationwide sent a Final Homeowner Bill for the amount of $due by May 11, (see attached)The amount of $is a valid amount due for insurance protection providedThere are no refunds for this policy.Thank you for bringing this matter to our attentionWe trust this will resolve all pending concernsIf you should have any questions or wish to discuss the matter further, please feel free to call [redacted] , Office of Customer Advocacy [redacted] at ###-###-#### or email her at [redacted] .Sincerely, [redacted] Nationwide Insurance###-###-#### [redacted]
Nationwide fraudulently obtained my personal hotmail addressI NEVER provided this email at all to this company however I was told my information was in their systemI want a full refund of my policy premium effective 7/29/due to this frauduelence Regards, [redacted] ***
Nationwide will need to address all my concerns and requestsIf not I will have to take further actions regarding this matter
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is more than satisfactory to meNationwide went above and beyond what they were required to doI very much appreciate that and my interactions with [redacted] Regards, [redacted]
his letter is in response to correspondence dated March 30, 2015. Our company representatives have addressed Ms. [redacted] ’ concerns multiple times. Ms. [redacted] may not be satisfied with the information provided in our prior responses. The company has directly and accurately responded to each inquiry and considers this matter closed. Sincerely, [redacted] ###-###-####
My letter in concern of a hit and run automotive accident in regard to my husband [redacted] yes the car accident was on 3/23/I gave a call to nationwide the next day asking for an advice because I had no clue of this person and still don’t have a clue, but I was told by one nationwide representative to wait and not file a claim yet until I had more information about the other car driver, indeed I mention to them it was a hit and run and I was still waiting on the police report, I was told it will take a few weeks and police officer had been trying to find the individual.My husband [redacted] ***) called and had file a claim, he was told they need it the police report, and also more information in regards to the accident was given to nationwide, all the information we had it was given to them, even I call [redacted] in [redacted] and ask for information because the car was sold to this individual on 2/19/2015, I was told no and called the investigator [redacted] , I was told my insurance needs to work for us not us for them, I kept waiting and asking for help and asking I just need the other drivers information, insurance, name, so I can make my claim with the driver insurance, no luckI had spoken with [redacted] many times, but I also was told there is limited things that only he can do in regards to obtain the other’s person information, has been helping us trying to contact the officer, and getting the information, dislike the fact that Liability insurance not covering on any way, not protecting us on anyway, and feel I have to pay for someone’s else error and faultNationwide has been our insurance for more than yearsLook forward to do something about this case in order to get this resolveI know something can be done about this, I’m sure we are not the only ones that have been thru this, not understanding the fact that the other’s driver information was obtained but no insurance information on any way, and [redacted] not cooperating to release the insurance information was purchased 2/19/
I got a call on Good Friday afternoon from Nationwide InsuranceI don't know who it was by it was a agent a femaleShe asked me was I [redacted] I said yesShe told me the only way I get a new roof for my home I would have to hire my own structural engineer That was a slap in my faceI didn't like what she told me.So I call [redacted] ***He told me that he thought it was the first complaintAnd said to me that he couldn't do anything about it.They will not resolved this complaintSo I'm writing you back on this[redacted] ***
Please allow this letter to serve as our response to Ms [redacted] ’s inquiryHer inquiry specifically addresses concerns regarding the handling and settlement of the Nationwide property claim for Harrine [redacted] I contacted Ms [redacted] on January 29, I explained her insurance coverage to her and explained that I would be glad to assist her I apologized for any inconvenience in the handling of her claimHer claim was incorrectly set up under her homeowners policy when in fact the loss would need to be handled under her auto policy I advised her that I would contact our call center to have the correct claim set up I contacted the call center and had a claim set up under her auto policy [redacted] which was assigned claim number [redacted] and assigned to our Fire Theft Unit I immediately contacted Ms [redacted] back and provided her with this information along with contact information for this unitI also advised her that I had the incorrect claim filed under her homeowners policy disabled to show that there was no payment issued under the policy Since the auto claim was reported Ms [redacted] has been contacted by the auto claims adjuster and a payment has been issued in accordance to her auto policy coverage Claims are handled exclusively by our claims associates and we apologize for any misunderstanding regarding the agent’s role regarding the claim and Ms [redacted] ’s contact attempts If any further follow up is necessary, please do not hesitate to contact me at the number listed below
Everything was already paid up in full on the 2013 Dodge Ram, so there was no outstanding balance that was due and the collection agency that this was turned over to has added this to my credit. I am seeking to have this outstanding balance and removal of this item from my credit rectified as soon as possible. I would need to receive proof that the removal has been submitted to all credit bureaus and that this debt has been released from my name with Nationwide. Regards, [redacted] ***