Dear *** ***After receiving your letter about my case ID #####, I would like to keepmy case open, because I am satisfied with the way my situation was handled myNationwideThe problem still exits, and they have failed in several ways to providethe service that I was told they were going to provideThey placed my family and Iin a hotel knowing that they could not fix my house, which to me was bad service.After several months, they called me and told me that I was not eligible to receivebenefits of them fixing my house, If they would have told me earlier I would havefound another way of fixing the problemI have tried on several occasions to reachout to my adjustor, *** ***, but still no responds to my problemI still needassistance on this unresolved problem, because of their failure to respond to me,and answer my questions to which I felt like I had to right to a paying customer, andthe lack of professionalism of their employees.*** ***
Thank you for your additional inquiry I have carefully reviewed the appropriate file(s) and provide my findings below: Nationwide Mutual Fire Insurance Company is dealing with the customer in a professional and courteous manner We have made a payment for all damage that has been confirmedNo additional payment can be made until our investigation is completedAdditional information from the customer is required to move the claim to its conclusionThis information has not yet been received We have been responding to the customer as quickly as possible and are currently working with the *** Department of Insurance to resolve the matterThe name and contact information of my manager has also been provided to her If you have any further questions, feel free to contact me at ###-###-####. Sincerely, Ronald H*** *** *** *** *** *** Nationwide Mutual Fire Insurance Company
Thank you for your recent inquiry regarding a complaint you received from *** ***As Material Damage Manager, I have reviewed this claim file and would like to address ***’s concernsIf I do not provide the information you need for this matter, please do not hesitate to
let me know.Please be advised that the policy number that was attached to this complaint was incorrect and the policy that this claim was handled under is listed above.*** *** had a personal lines auto policy with us at the time of this loss.The concern regarding the claim being a not at fault loss and it being reported on *** ***’s driving recordA claim was reported to us on January 22, The facts of loss as reported stated V1, *** ***’s, struck a stationary objectOur claims adjuster reached out to *** *** and she indicated she did not wish to pursue a claim through us so the claim was closed without paymentAs there were no payments issued on the claim, we did not deem this a chargeable loss.In reviewing this complaint, I reached out to the *** Bureau of Motor Vehicles and spoke with *** at ###-###-####*** advised they get their information from police reports regarding fault*** reviewed the information they have for this loss and indicated there was a police report which indicated it was a single vehicle lossThe description was: “unit backing, struck a pole/parking barrier.”If there is an error on the police report that led to the State of *** being notified *** *** was at fault, she would need to contact the police department and amend the report.Based on my review, this claim was properly handledHowever, I am sorry that the outcome was not satisfactory to *** ***We strive to meet our customer’s needs, but understand that sometimes we are unable to do soIf you should have any questions or wish to discuss the matter further, please feel free to contact *** ***, Office of *** *** *** *** at ###-###-#### or email her at ***Sincerely,*** *** ***Nationwide###-###-####***
Nationwide's response to this claim was very slow, and the situation was "resolved" before their response to the Revdex.com was even composed (Nationwide's response was dated March and we settled the claim on March 10.) Nationwide continued to refuse to inspect the vehicle or pay for it to be towed My husband and I were forced to pay out of pocket to have a towing company move our damaged vehicle to a "neutral location" so Nationwide's representative *** *** could re-inspect the car Upon ***' re-inspection he agreed with everything on ***'s estimate except for one item which he thought could be repaired instead of replaced However this item was minor and the rest of the estimated repairs totaled the vehicle This is frustrating, because had *** done a complete inspection on the vehicle the first time he looked at it, we would have never been in this situation This also makes me wonder if *** simply did a poor job on his initial inspection or if he had some motivation to have the car repaired instead of totaling the vehicle.?Following our decision to pay for the vehicle to be towed, I spoke with ***' supervisor again During our telephone conversation he told me that *** had lied to us about what Nationwide would do if we sent our vehicle to *** As stated in our initial complaint, *** had told us that since he was barred from visiting ***'s offices if we had the vehicle sent there Nationwide would either need to assign a different adjuster to the claim or we would need to pay for a tow The option to "assign a different adjust to the claim" was a lie ***' supervisor said that *** "had" to lie to us about this, because if he told us the truth (that Nationwide would not re-assign the claim and we would need to pay out of pocket to have the vehicle towed for a supplemental inspection) it would be an improper influence on our decision of where to send the vehicle for repairs Nationwide should be ashamed for lying to their customers If for some legal or ethical reason they can't tell the truth about what their policies are related to certain companies (like ***) they should be following through on whatever they say So in my situation, if they "had" to lie to me and say they could re-assign the claim, then Nationwide should have re-assigned the claim like we asked them to What is most infuriating looking back on this situation is Nationwide insurance lied to me about their ability to re-assign my claim and when I asked them to do it they turned around and called both myself and my husbands liars I can't believe that any company would do business this way
Regards,
*** ***
Thank you for your response however, we have not received any paperwork from the *** State Insurance Commissioner so therefore, there is nothing I can send youAlso, there is no reason to hire an appraiser to come out and look at the damaged carfax report which is a piece of paperYes my car was fixed by a mechanic of not my choosing and yes I cashed the dollars however, I waited to cash the check until I had spoken with *** *** months and months after the accident when I had lost all hope that Nationwide would send me the correct diminished value amountI guess Revdex.com doesn't really understand the car business either because the value of a car is not solely determined by the running condition and exterior, it is also determined by its historyThere is a big difference between a car thats been in one car accident and a car thats been in noneNationwide is welcome to hire an appraiser to look at the carfax report and add that to the Thanks for your time
*** ** ***
*** ***
*** *** ***
*** *** *** ** *** ***
*** *** ***
*** ** ***
*** *** *** ** ***
*** *** *** ***
Thank you for the opportunity to provide an additional response to the RevDex.com regarding policy number ###### for *** *** and to address her concerns
about the policy
We have never received call logs nor are we able to review the calls conducted between the agency and *** ***That being said I can confirm that *** *** was verbally informed that she owed a current term balance and a renewal bill by a service center associateShe called in to the service center on 04/24/to add Caroline Moye to the policyDuring that phone conversation the service center associate informed *** *** that as long as *** ***’s Motor Vehicle Report was clean she would owe $for the current balance and approximately $for her renewalWhen *** ***’s reports were reviewed it caused a pro-rated decrease in premium of $and a revised renewal offer was issued with a stated expiration date of 05/13/
We also sent individual notices to *** *** advising of revised renewal offers and
expiration noticesShe states in her complaint that she was informed her policy was
going to cancel but that it had already cancelled 05/13/As previously discussed, the cancellation was processed on 06/02/and her policy retroactively cancelled back to 05/13/per the notices sent to her on 04/21/2014, 04/24/and 05/23/
*** *** was informed that she owed her renewal verbally and through numerous mailed noticesWe will not be removing the lapse in coverage
*** *** did make a payment of $on 06/03/to reinstate her policy with a
lapse in coverageShe states in her complaint that her premium went up at her most
recent renewal and that she received conflicting information as to the reasonHer
premium increased due to a rate revision that occurred on 09/23/for our South
Carolina policiesAgain, the rate was clearly stated in her renewal offer that was mailed
on 11/03/She received an expiration notice on 11/17/advising that she needed to make a payment of $by 12/03/in order for her insurance protection to continue without a lapse in coverageAll bills and notices are mailed to *** *** in a timely manner
I trust that I have addressed the issues within *** ***’s complaintIf I can be of further
assistance, please contact me at ###-###-####.
Sincerely,
*** ***
*** *** *** *** *** ***
***We are in receipt of your letter dated January 14, and have reviewed our file to address your concerns. Our insured has a personal auto policy with a liability limit of 100,The loss date was 7/4/the loss was reported to Harleysville on 7/25/2014.We inspected ***
***’s vehicle on 8/1/and wrote an estimate of $This vehicle is Mercedes Benz SDL with over 204,milesAccording to the appraiser, this vehicle was in poor prior condition with peeling clear coat and rusted body panels spread over the entire length of the carSee attached photos showing the poor condition.The appraiser wrote the estimate to repair the car back to industry standards and allowed for proper refinishing times using the CCCestimating systemThe estimate can be taken to any shop *** *** chooses to have the vehicle repaired at, and we will secure an agreed priceWe will only repair and paint the damaged parts that were damaged during the loss, we will not restore, by fixing the rust or refinishing area’s where the paint and clear coat have peeled over timeI have attached the estimate along with the photos.*** *** still was not satisfied at that time and elected to go through his carrier, *** *** ***They requested reimbursement through subrogation and we paid the amount of $1695.44, on 9/17/which included *** ***’s deductibleAny supplements submitted by *** *** will be considered.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, *** ***, at ###-###-#### or via email at ***.Sincerely,*** ** *** ***###-###-####***
this is unacceptable for a company to receive and process
payments but not apply them to accountsFor all I know these payments probably
went into someone's pocketsThe fact that the company is not concerned about
this and doing all they can to find out what happened to the money is
unsettlingThis could be a breach in their security systemthis could be part
of a bigger embezzlement issueMy bank account information is on these checks,
should I be concerned because it is floating around with some random employee
that cashed the checks? So pretty much Nationwide is saying "Even though
you have partial proof you sent payments that we claim were never received, but
cashed, we are not concerned about finding out where in our company those
payments wentIf someone pocketed the money, we're ok with that." This is
extremely bad business, inflates profits, and does not balance in the event of
an audit
I do appreciate the
collection being taken off, however there is a bigger issue at hand hereMy
bank does not debit money from a check until it is cashedThe checks are made
out to Nationwide so who else is authorized to cash checks under Nationwide's
name? Why is Nationwide ok with this happening? If this is common business
practice with Nationwide then maybe an insurance authority needs to be notified
to look into it
I have attached my bank statements showing where
they checks clearedI also sent this to NationwideI should not be penalized
for the flaw in their systemI would gladly get the images to help find out
what happened to the missing payments if Nationwide would agree to reimburse
the costs.
Regards,
*** ***
This letter is in response to *** ***’s inquiry from 1/02/In his inquiry *** *** asked questions which I will answer at this time
*** *** inquired into the type of comparables that were used by Nationwide and did Nationwide specifically compare his vehicle to a Regency Coronado LX conversion vanThe direct answer to this question is no, we did not find any vehicles exactly like *** ***’s which is not uncommonWe did locate similar vehicles to *** ***’s van and made value adjustments based on the options/trim package that the comparables did/did not haveAll of *** ***’s options were taken into consideration so that a fair value could be offered
As you can see on page of the attached CCC Valuescope both Body Side Moldings and the Rear Step Bumper are listed as options on the totaled vehicle and considered in the overall value of the vanAs a vehicle ages the options add less value to the vehicleOnce a vehicle becomes years or older than there is minimal value increase for most optionsYou will note that on page there is an increase in value due to the following options: aluminum wheels, Running Boards, CD player, and the Tow & Hitch package
There are two dealer quotes listed on the attached CCC ValuescopeThese can be found on pages & Both dealers are located in *** *** and were given a full description of the totaled vehicle
*** *** has inquired into being paid for a rentalOur responsibility is to provide a rental vehicle for a fair and reasonable amount of time to *** *** which doesn’t when settlement is reached or a replacement vehicle is purchasedThis being said Nationwide agrees to a rental cash out for *** *** in the amount of $This is what Enterprise would charge to rent a van for days at $37.99/dayThe loss occurred on 11/14/and the settlement offer was given to *** *** on 11/21/We have then added an additional days for a total of daysPlease see the revised settlement noted below to include our rental concession
Please note that *** *** has provided comparables and these have been reviewed in regards to determining the value of his vanThe comparables provided by *** *** would be considered in Outstanding conditioning as opposed to his condition rating of Average Private/Dealer RetailDue to their condition they would sell for an increased amount
Below is our revised settlement to include our rental concessionPlease be advised that this is our settlement offer and do not have any documentation to support the increase of this valueWe believe that this offer is fair and supported by our documentationOur revised settlement is:
Actual Cash Value = $5,Condition Adjustment + $Total ACV = $5,Sales Tax + $172.29Title Fee + $Subtotal = $5,Allowance for Rental +$Total Settlement Offer = $6,
We can issue payment and conclude the ***’s claim upon receipt of their completed total loss paperwork and title
Sincerely,
*** ***
***This inquiry has the incorrect insuring company name and NAIC #Please update your files with the correct information.CORRECT INSURING COMPANY NAME: Nationwide General Insurance CompanyCORRECT NAIC #: 23760Thank you for your recent inquiry regarding a complaint you
received from *** ***As Total Loss Material Damage Claims Manager, I have reviewed this claim file and would like to address *** ***’ concernsIf I do not provide the information you need for this matter, please do not hesitate to let me know. *** *** has a Personal Auto Policy with Nationwide General Insurance Company.*** ***’ Nissan was struck while parked and unattended on October 29, The Nissan was inspected on November and deemed a total lossAn offer was made to *** *** on November and she was paid in full in the amount of $8,on November 21. The concern regarding *** would pay the $deductibleOur *** *** *** *** initially advised *** *** that we would seek the deductible from *** in the subrogation process; however, *** later accepted 100% liability for the loss and the $deductible was not applied to the settlement amount paid to *** ***.The concern regarding the claims associate promising credit would be given toward the total loss settlement for her brake repair*** *** did advise that she would submit the receipt for the brake work, which she did, to see what the repairs would add in value to the vehicle*** *** did not have the authority to give the creditWe apologize for any presumed error.The concern regarding the deduction of the $deductible from the settlement and the allowance for the parts on the brake jobAs noted above, there was no deduction of $from the settlementThe receipt for *** ***’ brake work was submitted to CCC for consideration and that repair work added $in value to her vehicleThe limit of our coverage is the actual cash value of the vehicle; therefore, the brake work itself is not covered in full but, what it adds to is the actual cash value of the vehicle.Based on my review, this claim was properly handledHowever, I am sorry that the outcome was not satisfactory to *** ***We strive to meet our customer’s needs, but understand that sometimes we are unable to do soIf you should have any questions or wish to discuss the matter further, please feel free to contact *** ***, *** ** *** *** *** *** at ###-###-#### or email her at ***Sincerely,*** *** ***Nationwide Insurance###-###-####***
Good afternoon *** ***
*** *** and Nationwide Insurance as a whole fails to see the heart of the problem with this issue. I understand that Nationwide feels they have technically complied with *** Code of Regulations Section 2632.13, but I am not challenging the regulations; otherwise, I would have looked them up myself. Nationwide fails in the following categories:
1. Business Ethics - I was mislead from the very beginning as to the process and was never given the opportunity to be part of the process. I believe I had the right to have a second opinion from a different repair shop as to cost of repair, which was never afforded to me
2. Mislead - I was informed that the total cost of repair was less than $and that it would not affect my insurance, and then later told the total cost of repairs was greater than $4000. Again, I was never told that the total cost of $was 'initial' or 'preliminary' or anything even close. I was told it was 'total', which by definition means constituting a whole, complete, the whole amount.
3. Lack of Customer Service - at no time did anyone from Nationwide explain to me the process. I had to initiate every conversation - in fact, I still don't know who my insurance agent is or if I even have one.
I have requested on at least two occasions now for Nationwide Customer Service to contact me regarding this issue, prior to me filing complaints. I have never received any return calls or responses to my emails.
For these reasons, I do not accept Nationwides reponse on this matter. I don't believe that Nationwide was ever on my side regarding this matter.Regards,
*** ***
Dear *** ***
Thank you for your recent inquiry regarding a complaint you received from *** *** I have reviewed this file and would like to address *** ***’ concernsIf I do not provide the information you need for this matter, please do not hesitate to let me
know
Personal Auto Policy
Member, *** ***, contacted the office of Revdex.com of Columbus Ohio on February 3, with questions regarding email best practices of the ** *** *** in obtaining and sharing personal information
The concern regarding questionable sales tactics of the ** *** ***
Per Agent *** the above mentioned policy was originally incepted, per *** ***’ request, online by the Nationwide Sales Solutions team. The new member is required to provide an email address for paperwork communication and policy confirmation On July 26, an email change was requested online, by *** ***. All emails provided by the member for communication purposes including payment receipts are kept on file, however, are not solicited by the agent.
The agent transfer from the Nationwide Sales Solutions department to the ** *** *** was not made until November 26, The *** agency has no record of updating or adding email addresses to *** ***’ file
Customer request for policy refund
Member *** *** remitted a bank card payment of $for policy renewal dated 07/29/to 01/29/15. The ** *** *** has no record of a policy request cancellation of the before mentioned policy period, warranting a full refund. *** *** can provide a declaration page issued from the prior or current carrier showing dual coverage, for policy dates of 07/29/to 01/29/15, to process any or all premium
Based on my review, the ** *** *** properly handled *** ***’ information. However, I am sorry that the outcome was not satisfactory to *** *** We strive to meet our customer’s needs, but understand that sometimes we are unable to do soIf you should have any questions or wish to discuss the matter further, please feel free to call me.
Thank you for bringing this matter to our attention.
Sincerely,
*** ** ***
*** *** *** ***
Nationwide Mutual Insurance Company
###-###-####
***
This is in response to *** ***'response to my complaint. It is important to note that *** ***' response contains incorrect facts that have lead me to elevate this issue outside of Nationwide Insurance
*** *** claims that I "was advised of our initial estimate amouint". I was never advised that the $claim was an "initial estimate". In fact, ***, the original claim adjuster (?) from Nationwide that I spoke with the week of November 3rd, informed me that since the claim was below $1000, it would not have an impact on my rates. If these phone conversations are recorded or if you speak with ***, I'm sure you will find my statement to be true
*** *** claims that I "called to inquire to the total claim amount at a later date". In fact, I called *** on November to find out what was the next steps to this process. I was already informed the the total claim was $969.78.
*** *** claims that I didn't give Nationwide the "opportunity to directly respond" to my concerns. Nationwide was well aware of my concerns early on in this process and I exchanged emails and had a phone conversation with *** ***, Nationwide's Claims Manager, on this issue. Even after *** *** admitted that Nationwide didn't handle this claim properly - i.e.: *** never advising me that the $claim was not a final number - no attempt was made by Nationwide to support me as a customer.
I have attached the repair estimate that was only provided to me after I requested it on January 9, - more than months after I was told this was the total amount of the claim. I have also attached the email that I sent *** *** and his response from January 9, 2015.
It is disturbing that Nationwide mislead me, their own customer, during this process. I was never informed who my agent would be, never had anyone from Nationwide explain the process to me, never saw anyone from Nationwide until I demanded that they come look at my car (that was on December 8), and was never offered anything for admittingly being mislead.
Nationwide's response to my complaint in unacceptable and I'm sure Nationwide's senior leadership team would be disturbed with the way their customer has been treated.
Regards,
*** ***
Thank you for your recent inquiry regarding a complaint you received from *** *** As *** *** Customer Resolution & Response Team, I have reviewed this policy file and would like to address *** ***’s concernsIf I do not provide the information you need for this matter, please do
not hesitate to let me know.*** *** had a personal lines auto policy.The concern regarding the increase in the auto quoteOn August 15, 2014, *** *** contacted Nationwide and spoke with our agent, *** ***She obtained quotes for auto, home and a personal umbrella policyThe agent advised the rate for the auto insurance would be $per month and $totalThe agent did not state the policy term for the autoThe agent advised the home was $for the year and $per month, and the personal umbrella was $for the year and $per monthHe stated that all three policies would total $per month*** *** advised this was cheaper than what she was currently paying with ***She requested the quotes be emailed to her and the agent advised he would send her the email.*** *** called into Nationwide on September 5, and spoke with our agent, *** ***She advised she was unable to reach *** ***, but needed to start her policies because her current policies were getting ready to cancel*** *** reviewed the auto policy information and confirmed the current rate at $per month*** *** advised she was looking at the quote that was sent to her and confirmed the rate of $(or $per month)The agent ran the final reports and the rate increased to $due to a speeding ticket that came back on the motor vehicle reportThe agent explained the premium increased about $but it would be spread over the six months*** *** said she was okay with the increase and requested to start the policy.*** *** received several documents with the six month term of 09/05/to 03/05/clearly stated on eachWe have included a copy of the signed application, the declarations pages and the insurance ID cards showing the six month term and a quote letter stating the term was semi-annual..The concern regarding the refund*** *** was protected under her Nationwide auto policy from September 5, through January 14, She cancelled her auto policy effective January 14, and was issued a refund in the amount of $for all unused premium.Based on my review, this policy was properly handledHowever, I am sorry that the outcome was not satisfactory to *** ***We strive to meet our customer’s needs, but understand that sometimes we are unable to do soIf you should have any questions or wish to discuss the matter further, please feel free to contact *** *** Office of Customer Advocacy Complaint Coordinator at ###-###-#### or email her at ***.Sincerely,*** *** *** Customer Resolution & Response Team Nationwide###-###-####***
I can't help what the policy is supposed to beAll I know is that I wasn't given the correct information and I waited until I received a bill and then I immediately contacted nationwideIn the beginning they were trying to make you believe it was high because a payment rejected but now its something ddifferentMy payments were set on auto draft and I called to tell them that the money wasn't in the account but she said I called too lateSo I did "the right thing" and I took care of it as siib as possibleI have proof of what I was told recordedIf I can do the right thing towards them then why won't they do what's right as wellI will not go back and forthThey're wring and they know it which is why their story has changed about what caused the bill to be highI have a recorded conversation that you can have
Regards,
*** *** ***
Dear *** ***:
This letter is in response to the complaint filed with your agency by *** *** regarding her Automobile policy.
The above referenced auto policy was written with an inception date of May 13, 2014. The policy bills on an installment
account with payments due on the 23rd of each month
The policy renewed effective November 13, 2014, with a semi-annual premium of $843.30. Due to the late payment of the bill due on September 23, 2014, Nationwide issued a bill for $due on November 23, 2014, which reflected the premium due for October and November. On December 2, 2014, Nationwide issued a Notice of Cancellation indicating $must be received by December 18, 2014, or the policy would cancel effective December 19, 2014. The amount listed on the Notice of Cancellation included one $late fee
On December 18, 2014, Nationwide agreed to place a hold on the policy until December 29, 2014, to allow time for the policyholder to make the payment due on November 23, 2014. On December 29, 2014, *** *** made a payment of $to her local agency A proper hold was not placed on the account to allow time for the payment to processOn December 30, the policy cancelled on due to non-payment of premium effective December 19, The policy was reinstated with a lapse in coverage effective December 29, 2014, and a semi-annual premium of $1,279.00. The policy should have been reinstated with no lapse in coverage effective December 19, 2014. Nationwide adjusted the reinstatement date of December 29, to December 19, with no lapse in coverage.
A proof of coverage letter addressed to the Pennsylvania Department of Transportation was issued on January 16, to show policy number *** *** resumed active coverage effective December 19, with no lapse.
During the time period when the policy was being corrected, a refund of $was issued to the policyholder. The refund was stop paid and reapplied to the policy when the policy was reinstated with no lapse in coverage effective December 19,
On January 8, Nationwide issued a bill for $due January 29,
On January 15, the bill in the amount of $due January 29, was cleared when the policy cancelled. Nationwide issued a refund to the insured in the amount of $
On January 26, a payment of $was received.
On February 4, Nationwide re-billed the insured’s account for $due February 28, 2015. This bill represents the semi-annual premium of $minus the January 15, refund of $151.30, minus the January 26, payment of $which equals $This premium balance was divided by four equal installments remaining in the policy term
On February 11, 2015, a premium credit of $applied to the account cleared the February 28, bill of $This credit is the result of an adjustment for the removal of a lapse in coverage, and the removal of a September 5, accident surcharge.
On February 20, the February bill was re-issued for $due on February 23, This bill represents $premium balance from February 4, minus the credit of $which equals $The $balance was divided into three equal installments remaining in the policy term which included a $installment fee.
On March 5, a payment of $was received for the policy clearing the February 23, bill.
On March 6, a bill for $was issued due March 23, which remains outstanding
On March 30, a notice of cancellation was issued indicating $must be received by April 16, 2015, or the policy will cancel effective April 17, This amount includes a $late fee
A second refund of $was issued to the policyholderThis refund was issued because the policyholder was not aware that the original refund check for $was stopped and reapplied to her account
The current balance due on the policy is $508.30. This includes the March and April bills of $each, plus a $installment fee, and the second refund of $(which *** *** was advised would be added to the balance)
*** *** has also raised concerns regarding her claim dated September 5, Our records indicate this accident is coded as not at fault and will not be surcharged on her policy
Nationwide regrets that *** *** did not receive the level of service she expected from Nationwide. We continually work to ensure our member receive the highest level of customer service.
If you require further assistance, please contact our Customer Relations Coordinator, *** ***, at ###-###-#### or by email at ***
Sincerely,
*** ** *** ***
*** *** ***
Nationwide Insurance
###-###-####
Thank you for your recent inquiry regarding a complaint you received from *** ***We have reviewed and would like to address *** ***’s concernsIf I do not provide the information you need for this matter, please do not hesitate to let me know. The concern regarding
cancellation *** ***’s policy ***, renewed effective March 19, 2014, with a semi-annual premium of $1,222.20. This policy was set to cancel due to claim frequencyThe claim dates were 12/27/2012, 03/14/2013, 01/30/2014, 05/23/and 05/29/There were also lapses for non-payment on 05/12/and 07/12/2014. However, ultimately, the policy canceled for nonpayment effective July 12, 2014; the policy was in force until it cancelled for non-payment of premium. The request for reinstatement was denied as the policy was already set to company cancel for claims; and due to prior lapses. The concern regarding amount due after cancellation Nationwide received two payments for the policy during the policy term beginning March 19, 2014, until the cancellation date of July 12, (see billing breakdown attached)The balance due reflects premium owed up until the cancellation date. Based on my review, this was properly handled. We trust this will resolve all pending concerns. However, if you should have any questions or wish to discuss the matter further, please feel free to call me. Sincerely, *** *** *** *** *** Nationwide Insurance ###-###-#### ***
(1) Response to comment number is entirely false At No Time did Nationwide not receive a payment due This is a statement that coverage lapsed due to a payment not received.(2) Nationwide's new assertion that it is a problem with the Agent, not their issue reflects poorly on NationwideNationwide should set minimum standards of business conduct for agents that represent Nationwide in selling their products If an agent performs poorly(as was clearly the case with my agent), Nationwide should take responsibility and deal with an incompetent agent and make it right for the customer It appears Nationwide neither supports their agents or customers This complaint remains unresolved
Regards,
*** ***
","sans-serif"">Dear: *** ***
This letter is in response to your request for information
pertaining to the above file
Our records indicate the renewal date on the Auto policy was
December 1, 2014. The policy was
cancelled effective January 2, as a request from *** ***. A total of $was charged for coverage provided
for the time frame mentioned above.
There were no payments received towards the December renewal
which left a balance of $178.57. A $
installment fee was charged when the March 10, bill was sent. This resulted in a total of $due for
coverage provided during the above time frame.
On April 7, a Final Bill was sent for $due by
April 26, 2015. There was no payment
received and a Payment Notice was mailed on April 28, to advise there was
still a balance due for coverag provided.
The following documents have been attached for your review:
Billing Breakdown
Final Bill
Payment Notice
Thank you for allowing me the opportunity to assist you and if you
have any questions regarding the
information I have provided you may contact me at ###-###-####,
Ext. *** or my email address is ***
Sincerely,
*** ***
*** ***
Dear *** ***After receiving your letter about my case ID #####, I would like to keepmy case open, because I am satisfied with the way my situation was handled myNationwideThe problem still exits, and they have failed in several ways to providethe service that I was told they were going to provideThey placed my family and Iin a hotel knowing that they could not fix my house, which to me was bad service.After several months, they called me and told me that I was not eligible to receivebenefits of them fixing my house, If they would have told me earlier I would havefound another way of fixing the problemI have tried on several occasions to reachout to my adjustor, *** ***, but still no responds to my problemI still needassistance on this unresolved problem, because of their failure to respond to me,and answer my questions to which I felt like I had to right to a paying customer, andthe lack of professionalism of their employees.*** ***
Thank you for your additional inquiry I have carefully reviewed the appropriate file(s) and provide my findings below: Nationwide Mutual Fire Insurance Company is dealing with the customer in a professional and courteous manner We have made a payment for all damage that has been confirmedNo additional payment can be made until our investigation is completedAdditional information from the customer is required to move the claim to its conclusionThis information has not yet been received We have been responding to the customer as quickly as possible and are currently working with the *** Department of Insurance to resolve the matterThe name and contact information of my manager has also been provided to her If you have any further questions, feel free to contact me at ###-###-####. Sincerely, Ronald H*** *** *** *** *** *** Nationwide Mutual Fire Insurance Company
Thank you for your recent inquiry regarding a complaint you received from *** ***As Material Damage Manager, I have reviewed this claim file and would like to address ***’s concernsIf I do not provide the information you need for this matter, please do not hesitate to
let me know.Please be advised that the policy number that was attached to this complaint was incorrect and the policy that this claim was handled under is listed above.*** *** had a personal lines auto policy with us at the time of this loss.The concern regarding the claim being a not at fault loss and it being reported on *** ***’s driving recordA claim was reported to us on January 22, The facts of loss as reported stated V1, *** ***’s, struck a stationary objectOur claims adjuster reached out to *** *** and she indicated she did not wish to pursue a claim through us so the claim was closed without paymentAs there were no payments issued on the claim, we did not deem this a chargeable loss.In reviewing this complaint, I reached out to the *** Bureau of Motor Vehicles and spoke with *** at ###-###-####*** advised they get their information from police reports regarding fault*** reviewed the information they have for this loss and indicated there was a police report which indicated it was a single vehicle lossThe description was: “unit backing, struck a pole/parking barrier.”If there is an error on the police report that led to the State of *** being notified *** *** was at fault, she would need to contact the police department and amend the report.Based on my review, this claim was properly handledHowever, I am sorry that the outcome was not satisfactory to *** ***We strive to meet our customer’s needs, but understand that sometimes we are unable to do soIf you should have any questions or wish to discuss the matter further, please feel free to contact *** ***, Office of *** *** *** *** at ###-###-#### or email her at ***Sincerely,*** *** ***Nationwide###-###-####***
Nationwide's response to this claim was very slow, and the situation was "resolved" before their response to the Revdex.com was even composed (Nationwide's response was dated March and we settled the claim on March 10.) Nationwide continued to refuse to inspect the vehicle or pay for it to be towed My husband and I were forced to pay out of pocket to have a towing company move our damaged vehicle to a "neutral location" so Nationwide's representative *** *** could re-inspect the car Upon ***' re-inspection he agreed with everything on ***'s estimate except for one item which he thought could be repaired instead of replaced However this item was minor and the rest of the estimated repairs totaled the vehicle This is frustrating, because had *** done a complete inspection on the vehicle the first time he looked at it, we would have never been in this situation This also makes me wonder if *** simply did a poor job on his initial inspection or if he had some motivation to have the car repaired instead of totaling the vehicle.?Following our decision to pay for the vehicle to be towed, I spoke with ***' supervisor again During our telephone conversation he told me that *** had lied to us about what Nationwide would do if we sent our vehicle to *** As stated in our initial complaint, *** had told us that since he was barred from visiting ***'s offices if we had the vehicle sent there Nationwide would either need to assign a different adjuster to the claim or we would need to pay for a tow The option to "assign a different adjust to the claim" was a lie ***' supervisor said that *** "had" to lie to us about this, because if he told us the truth (that Nationwide would not re-assign the claim and we would need to pay out of pocket to have the vehicle towed for a supplemental inspection) it would be an improper influence on our decision of where to send the vehicle for repairs Nationwide should be ashamed for lying to their customers If for some legal or ethical reason they can't tell the truth about what their policies are related to certain companies (like ***) they should be following through on whatever they say So in my situation, if they "had" to lie to me and say they could re-assign the claim, then Nationwide should have re-assigned the claim like we asked them to What is most infuriating looking back on this situation is Nationwide insurance lied to me about their ability to re-assign my claim and when I asked them to do it they turned around and called both myself and my husbands liars I can't believe that any company would do business this way
Regards,
*** ***
Thank you for your response however, we have not received any paperwork from the *** State Insurance Commissioner so therefore, there is nothing I can send youAlso, there is no reason to hire an appraiser to come out and look at the damaged carfax report which is a piece of paperYes my car was fixed by a mechanic of not my choosing and yes I cashed the dollars however, I waited to cash the check until I had spoken with *** *** months and months after the accident when I had lost all hope that Nationwide would send me the correct diminished value amountI guess Revdex.com doesn't really understand the car business either because the value of a car is not solely determined by the running condition and exterior, it is also determined by its historyThere is a big difference between a car thats been in one car accident and a car thats been in noneNationwide is welcome to hire an appraiser to look at the carfax report and add that to the Thanks for your time
*** ** ***
*** ***
*** *** ***
*** *** *** ** *** ***
*** *** ***
*** ** ***
*** *** *** ** ***
*** *** *** ***
Thank you for the opportunity to provide an additional response to the RevDex.com regarding policy number ###### for *** *** and to address her concerns
about the policy
We have never received call logs nor are we able to review the calls conducted between the agency and *** ***That being said I can confirm that *** *** was verbally informed that she owed a current term balance and a renewal bill by a service center associateShe called in to the service center on 04/24/to add Caroline Moye to the policyDuring that phone conversation the service center associate informed *** *** that as long as *** ***’s Motor Vehicle Report was clean she would owe $for the current balance and approximately $for her renewalWhen *** ***’s reports were reviewed it caused a pro-rated decrease in premium of $and a revised renewal offer was issued with a stated expiration date of 05/13/
We also sent individual notices to *** *** advising of revised renewal offers and
expiration noticesShe states in her complaint that she was informed her policy was
going to cancel but that it had already cancelled 05/13/As previously discussed, the cancellation was processed on 06/02/and her policy retroactively cancelled back to 05/13/per the notices sent to her on 04/21/2014, 04/24/and 05/23/
*** *** was informed that she owed her renewal verbally and through numerous mailed noticesWe will not be removing the lapse in coverage
*** *** did make a payment of $on 06/03/to reinstate her policy with a
lapse in coverageShe states in her complaint that her premium went up at her most
recent renewal and that she received conflicting information as to the reasonHer
premium increased due to a rate revision that occurred on 09/23/for our South
Carolina policiesAgain, the rate was clearly stated in her renewal offer that was mailed
on 11/03/She received an expiration notice on 11/17/advising that she needed to make a payment of $by 12/03/in order for her insurance protection to continue without a lapse in coverageAll bills and notices are mailed to *** *** in a timely manner
I trust that I have addressed the issues within *** ***’s complaintIf I can be of further
assistance, please contact me at ###-###-####.
Sincerely,
*** ***
*** *** *** *** *** ***
***We are in receipt of your letter dated January 14, and have reviewed our file to address your concerns. Our insured has a personal auto policy with a liability limit of 100,The loss date was 7/4/the loss was reported to Harleysville on 7/25/2014.We inspected ***
***’s vehicle on 8/1/and wrote an estimate of $This vehicle is Mercedes Benz SDL with over 204,milesAccording to the appraiser, this vehicle was in poor prior condition with peeling clear coat and rusted body panels spread over the entire length of the carSee attached photos showing the poor condition.The appraiser wrote the estimate to repair the car back to industry standards and allowed for proper refinishing times using the CCCestimating systemThe estimate can be taken to any shop *** *** chooses to have the vehicle repaired at, and we will secure an agreed priceWe will only repair and paint the damaged parts that were damaged during the loss, we will not restore, by fixing the rust or refinishing area’s where the paint and clear coat have peeled over timeI have attached the estimate along with the photos.*** *** still was not satisfied at that time and elected to go through his carrier, *** *** ***They requested reimbursement through subrogation and we paid the amount of $1695.44, on 9/17/which included *** ***’s deductibleAny supplements submitted by *** *** will be considered.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, *** ***, at ###-###-#### or via email at ***.Sincerely,*** ** *** ***###-###-####***
this is unacceptable for a company to receive and process
payments but not apply them to accountsFor all I know these payments probably
went into someone's pocketsThe fact that the company is not concerned about
this and doing all they can to find out what happened to the money is
unsettlingThis could be a breach in their security systemthis could be part
of a bigger embezzlement issueMy bank account information is on these checks,
should I be concerned because it is floating around with some random employee
that cashed the checks? So pretty much Nationwide is saying "Even though
you have partial proof you sent payments that we claim were never received, but
cashed, we are not concerned about finding out where in our company those
payments wentIf someone pocketed the money, we're ok with that." This is
extremely bad business, inflates profits, and does not balance in the event of
an audit
I do appreciate the
collection being taken off, however there is a bigger issue at hand hereMy
bank does not debit money from a check until it is cashedThe checks are made
out to Nationwide so who else is authorized to cash checks under Nationwide's
name? Why is Nationwide ok with this happening? If this is common business
practice with Nationwide then maybe an insurance authority needs to be notified
to look into it
I have attached my bank statements showing where
they checks clearedI also sent this to NationwideI should not be penalized
for the flaw in their systemI would gladly get the images to help find out
what happened to the missing payments if Nationwide would agree to reimburse
the costs.
Regards,
*** ***
This letter is in response to *** ***’s inquiry from 1/02/In his inquiry *** *** asked questions which I will answer at this time
*** *** inquired into the type of comparables that were used by Nationwide and did Nationwide specifically compare his vehicle to a Regency Coronado LX conversion vanThe direct answer to this question is no, we did not find any vehicles exactly like *** ***’s which is not uncommonWe did locate similar vehicles to *** ***’s van and made value adjustments based on the options/trim package that the comparables did/did not haveAll of *** ***’s options were taken into consideration so that a fair value could be offered
As you can see on page of the attached CCC Valuescope both Body Side Moldings and the Rear Step Bumper are listed as options on the totaled vehicle and considered in the overall value of the vanAs a vehicle ages the options add less value to the vehicleOnce a vehicle becomes years or older than there is minimal value increase for most optionsYou will note that on page there is an increase in value due to the following options: aluminum wheels, Running Boards, CD player, and the Tow & Hitch package
There are two dealer quotes listed on the attached CCC ValuescopeThese can be found on pages & Both dealers are located in *** *** and were given a full description of the totaled vehicle
*** *** has inquired into being paid for a rentalOur responsibility is to provide a rental vehicle for a fair and reasonable amount of time to *** *** which doesn’t when settlement is reached or a replacement vehicle is purchasedThis being said Nationwide agrees to a rental cash out for *** *** in the amount of $This is what Enterprise would charge to rent a van for days at $37.99/dayThe loss occurred on 11/14/and the settlement offer was given to *** *** on 11/21/We have then added an additional days for a total of daysPlease see the revised settlement noted below to include our rental concession
Please note that *** *** has provided comparables and these have been reviewed in regards to determining the value of his vanThe comparables provided by *** *** would be considered in Outstanding conditioning as opposed to his condition rating of Average Private/Dealer RetailDue to their condition they would sell for an increased amount
Below is our revised settlement to include our rental concessionPlease be advised that this is our settlement offer and do not have any documentation to support the increase of this valueWe believe that this offer is fair and supported by our documentationOur revised settlement is:
Actual Cash Value = $5,Condition Adjustment + $Total ACV = $5,Sales Tax + $172.29Title Fee + $Subtotal = $5,Allowance for Rental +$Total Settlement Offer = $6,
We can issue payment and conclude the ***’s claim upon receipt of their completed total loss paperwork and title
Sincerely,
*** ***
***This inquiry has the incorrect insuring company name and NAIC #Please update your files with the correct information.CORRECT INSURING COMPANY NAME: Nationwide General Insurance CompanyCORRECT NAIC #: 23760Thank you for your recent inquiry regarding a complaint you
received from *** ***As Total Loss Material Damage Claims Manager, I have reviewed this claim file and would like to address *** ***’ concernsIf I do not provide the information you need for this matter, please do not hesitate to let me know. *** *** has a Personal Auto Policy with Nationwide General Insurance Company.*** ***’ Nissan was struck while parked and unattended on October 29, The Nissan was inspected on November and deemed a total lossAn offer was made to *** *** on November and she was paid in full in the amount of $8,on November 21. The concern regarding *** would pay the $deductibleOur *** *** *** *** initially advised *** *** that we would seek the deductible from *** in the subrogation process; however, *** later accepted 100% liability for the loss and the $deductible was not applied to the settlement amount paid to *** ***.The concern regarding the claims associate promising credit would be given toward the total loss settlement for her brake repair*** *** did advise that she would submit the receipt for the brake work, which she did, to see what the repairs would add in value to the vehicle*** *** did not have the authority to give the creditWe apologize for any presumed error.The concern regarding the deduction of the $deductible from the settlement and the allowance for the parts on the brake jobAs noted above, there was no deduction of $from the settlementThe receipt for *** ***’ brake work was submitted to CCC for consideration and that repair work added $in value to her vehicleThe limit of our coverage is the actual cash value of the vehicle; therefore, the brake work itself is not covered in full but, what it adds to is the actual cash value of the vehicle.Based on my review, this claim was properly handledHowever, I am sorry that the outcome was not satisfactory to *** ***We strive to meet our customer’s needs, but understand that sometimes we are unable to do soIf you should have any questions or wish to discuss the matter further, please feel free to contact *** ***, *** ** *** *** *** *** at ###-###-#### or email her at ***Sincerely,*** *** ***Nationwide Insurance###-###-####***
Good afternoon *** ***
*** *** and Nationwide Insurance as a whole fails to see the heart of the problem with this issue. I understand that Nationwide feels they have technically complied with *** Code of Regulations Section 2632.13, but I am not challenging the regulations; otherwise, I would have looked them up myself. Nationwide fails in the following categories:
1. Business Ethics - I was mislead from the very beginning as to the process and was never given the opportunity to be part of the process. I believe I had the right to have a second opinion from a different repair shop as to cost of repair, which was never afforded to me
2. Mislead - I was informed that the total cost of repair was less than $and that it would not affect my insurance, and then later told the total cost of repairs was greater than $4000. Again, I was never told that the total cost of $was 'initial' or 'preliminary' or anything even close. I was told it was 'total', which by definition means constituting a whole, complete, the whole amount.
3. Lack of Customer Service - at no time did anyone from Nationwide explain to me the process. I had to initiate every conversation - in fact, I still don't know who my insurance agent is or if I even have one.
I have requested on at least two occasions now for Nationwide Customer Service to contact me regarding this issue, prior to me filing complaints. I have never received any return calls or responses to my emails.
For these reasons, I do not accept Nationwides reponse on this matter. I don't believe that Nationwide was ever on my side regarding this matter.Regards,
*** ***
Dear *** ***
Thank you for your recent inquiry regarding a complaint you received from *** *** I have reviewed this file and would like to address *** ***’ concernsIf I do not provide the information you need for this matter, please do not hesitate to let me
know
Personal Auto Policy
Member, *** ***, contacted the office of Revdex.com of Columbus Ohio on February 3, with questions regarding email best practices of the ** *** *** in obtaining and sharing personal information
The concern regarding questionable sales tactics of the ** *** ***
Per Agent *** the above mentioned policy was originally incepted, per *** ***’ request, online by the Nationwide Sales Solutions team. The new member is required to provide an email address for paperwork communication and policy confirmation On July 26, an email change was requested online, by *** ***. All emails provided by the member for communication purposes including payment receipts are kept on file, however, are not solicited by the agent.
The agent transfer from the Nationwide Sales Solutions department to the ** *** *** was not made until November 26, The *** agency has no record of updating or adding email addresses to *** ***’ file
Customer request for policy refund
Member *** *** remitted a bank card payment of $for policy renewal dated 07/29/to 01/29/15. The ** *** *** has no record of a policy request cancellation of the before mentioned policy period, warranting a full refund. *** *** can provide a declaration page issued from the prior or current carrier showing dual coverage, for policy dates of 07/29/to 01/29/15, to process any or all premium
Based on my review, the ** *** *** properly handled *** ***’ information. However, I am sorry that the outcome was not satisfactory to *** *** We strive to meet our customer’s needs, but understand that sometimes we are unable to do soIf you should have any questions or wish to discuss the matter further, please feel free to call me.
Thank you for bringing this matter to our attention.
Sincerely,
*** ** ***
*** *** *** ***
Nationwide Mutual Insurance Company
###-###-####
***
This is in response to *** ***'response to my complaint. It is important to note that *** ***' response contains incorrect facts that have lead me to elevate this issue outside of Nationwide Insurance
*** *** claims that I "was advised of our initial estimate amouint". I was never advised that the $claim was an "initial estimate". In fact, ***, the original claim adjuster (?) from Nationwide that I spoke with the week of November 3rd, informed me that since the claim was below $1000, it would not have an impact on my rates. If these phone conversations are recorded or if you speak with ***, I'm sure you will find my statement to be true
*** *** claims that I "called to inquire to the total claim amount at a later date". In fact, I called *** on November to find out what was the next steps to this process. I was already informed the the total claim was $969.78.
*** *** claims that I didn't give Nationwide the "opportunity to directly respond" to my concerns. Nationwide was well aware of my concerns early on in this process and I exchanged emails and had a phone conversation with *** ***, Nationwide's Claims Manager, on this issue. Even after *** *** admitted that Nationwide didn't handle this claim properly - i.e.: *** never advising me that the $claim was not a final number - no attempt was made by Nationwide to support me as a customer.
I have attached the repair estimate that was only provided to me after I requested it on January 9, - more than months after I was told this was the total amount of the claim. I have also attached the email that I sent *** *** and his response from January 9, 2015.
It is disturbing that Nationwide mislead me, their own customer, during this process. I was never informed who my agent would be, never had anyone from Nationwide explain the process to me, never saw anyone from Nationwide until I demanded that they come look at my car (that was on December 8), and was never offered anything for admittingly being mislead.
Nationwide's response to my complaint in unacceptable and I'm sure Nationwide's senior leadership team would be disturbed with the way their customer has been treated.
Regards,
*** ***
Thank you for your recent inquiry regarding a complaint you received from *** *** As *** *** Customer Resolution & Response Team, I have reviewed this policy file and would like to address *** ***’s concernsIf I do not provide the information you need for this matter, please do
not hesitate to let me know.*** *** had a personal lines auto policy.The concern regarding the increase in the auto quoteOn August 15, 2014, *** *** contacted Nationwide and spoke with our agent, *** ***She obtained quotes for auto, home and a personal umbrella policyThe agent advised the rate for the auto insurance would be $per month and $totalThe agent did not state the policy term for the autoThe agent advised the home was $for the year and $per month, and the personal umbrella was $for the year and $per monthHe stated that all three policies would total $per month*** *** advised this was cheaper than what she was currently paying with ***She requested the quotes be emailed to her and the agent advised he would send her the email.*** *** called into Nationwide on September 5, and spoke with our agent, *** ***She advised she was unable to reach *** ***, but needed to start her policies because her current policies were getting ready to cancel*** *** reviewed the auto policy information and confirmed the current rate at $per month*** *** advised she was looking at the quote that was sent to her and confirmed the rate of $(or $per month)The agent ran the final reports and the rate increased to $due to a speeding ticket that came back on the motor vehicle reportThe agent explained the premium increased about $but it would be spread over the six months*** *** said she was okay with the increase and requested to start the policy.*** *** received several documents with the six month term of 09/05/to 03/05/clearly stated on eachWe have included a copy of the signed application, the declarations pages and the insurance ID cards showing the six month term and a quote letter stating the term was semi-annual..The concern regarding the refund*** *** was protected under her Nationwide auto policy from September 5, through January 14, She cancelled her auto policy effective January 14, and was issued a refund in the amount of $for all unused premium.Based on my review, this policy was properly handledHowever, I am sorry that the outcome was not satisfactory to *** ***We strive to meet our customer’s needs, but understand that sometimes we are unable to do soIf you should have any questions or wish to discuss the matter further, please feel free to contact *** *** Office of Customer Advocacy Complaint Coordinator at ###-###-#### or email her at ***.Sincerely,*** *** *** Customer Resolution & Response Team Nationwide###-###-####***
I can't help what the policy is supposed to beAll I know is that I wasn't given the correct information and I waited until I received a bill and then I immediately contacted nationwideIn the beginning they were trying to make you believe it was high because a payment rejected but now its something ddifferentMy payments were set on auto draft and I called to tell them that the money wasn't in the account but she said I called too lateSo I did "the right thing" and I took care of it as siib as possibleI have proof of what I was told recordedIf I can do the right thing towards them then why won't they do what's right as wellI will not go back and forthThey're wring and they know it which is why their story has changed about what caused the bill to be highI have a recorded conversation that you can have
Regards,
*** *** ***
Dear *** ***:
This letter is in response to the complaint filed with your agency by *** *** regarding her Automobile policy.
The above referenced auto policy was written with an inception date of May 13, 2014. The policy bills on an installment
account with payments due on the 23rd of each month
The policy renewed effective November 13, 2014, with a semi-annual premium of $843.30. Due to the late payment of the bill due on September 23, 2014, Nationwide issued a bill for $due on November 23, 2014, which reflected the premium due for October and November. On December 2, 2014, Nationwide issued a Notice of Cancellation indicating $must be received by December 18, 2014, or the policy would cancel effective December 19, 2014. The amount listed on the Notice of Cancellation included one $late fee
On December 18, 2014, Nationwide agreed to place a hold on the policy until December 29, 2014, to allow time for the policyholder to make the payment due on November 23, 2014. On December 29, 2014, *** *** made a payment of $to her local agency A proper hold was not placed on the account to allow time for the payment to processOn December 30, the policy cancelled on due to non-payment of premium effective December 19, The policy was reinstated with a lapse in coverage effective December 29, 2014, and a semi-annual premium of $1,279.00. The policy should have been reinstated with no lapse in coverage effective December 19, 2014. Nationwide adjusted the reinstatement date of December 29, to December 19, with no lapse in coverage.
A proof of coverage letter addressed to the Pennsylvania Department of Transportation was issued on January 16, to show policy number *** *** resumed active coverage effective December 19, with no lapse.
During the time period when the policy was being corrected, a refund of $was issued to the policyholder. The refund was stop paid and reapplied to the policy when the policy was reinstated with no lapse in coverage effective December 19,
On January 8, Nationwide issued a bill for $due January 29,
On January 15, the bill in the amount of $due January 29, was cleared when the policy cancelled. Nationwide issued a refund to the insured in the amount of $
On January 26, a payment of $was received.
On February 4, Nationwide re-billed the insured’s account for $due February 28, 2015. This bill represents the semi-annual premium of $minus the January 15, refund of $151.30, minus the January 26, payment of $which equals $This premium balance was divided by four equal installments remaining in the policy term
On February 11, 2015, a premium credit of $applied to the account cleared the February 28, bill of $This credit is the result of an adjustment for the removal of a lapse in coverage, and the removal of a September 5, accident surcharge.
On February 20, the February bill was re-issued for $due on February 23, This bill represents $premium balance from February 4, minus the credit of $which equals $The $balance was divided into three equal installments remaining in the policy term which included a $installment fee.
On March 5, a payment of $was received for the policy clearing the February 23, bill.
On March 6, a bill for $was issued due March 23, which remains outstanding
On March 30, a notice of cancellation was issued indicating $must be received by April 16, 2015, or the policy will cancel effective April 17, This amount includes a $late fee
A second refund of $was issued to the policyholderThis refund was issued because the policyholder was not aware that the original refund check for $was stopped and reapplied to her account
The current balance due on the policy is $508.30. This includes the March and April bills of $each, plus a $installment fee, and the second refund of $(which *** *** was advised would be added to the balance)
*** *** has also raised concerns regarding her claim dated September 5, Our records indicate this accident is coded as not at fault and will not be surcharged on her policy
Nationwide regrets that *** *** did not receive the level of service she expected from Nationwide. We continually work to ensure our member receive the highest level of customer service.
If you require further assistance, please contact our Customer Relations Coordinator, *** ***, at ###-###-#### or by email at ***
Sincerely,
*** ** *** ***
*** *** ***
Nationwide Insurance
###-###-####
Thank you for your recent inquiry regarding a complaint you received from *** ***We have reviewed and would like to address *** ***’s concernsIf I do not provide the information you need for this matter, please do not hesitate to let me know. The concern regarding
cancellation *** ***’s policy ***, renewed effective March 19, 2014, with a semi-annual premium of $1,222.20. This policy was set to cancel due to claim frequencyThe claim dates were 12/27/2012, 03/14/2013, 01/30/2014, 05/23/and 05/29/There were also lapses for non-payment on 05/12/and 07/12/2014. However, ultimately, the policy canceled for nonpayment effective July 12, 2014; the policy was in force until it cancelled for non-payment of premium. The request for reinstatement was denied as the policy was already set to company cancel for claims; and due to prior lapses. The concern regarding amount due after cancellation Nationwide received two payments for the policy during the policy term beginning March 19, 2014, until the cancellation date of July 12, (see billing breakdown attached)The balance due reflects premium owed up until the cancellation date. Based on my review, this was properly handled. We trust this will resolve all pending concerns. However, if you should have any questions or wish to discuss the matter further, please feel free to call me. Sincerely, *** *** *** *** *** Nationwide Insurance ###-###-#### ***
(1) Response to comment number is entirely false At No Time did Nationwide not receive a payment due This is a statement that coverage lapsed due to a payment not received.(2) Nationwide's new assertion that it is a problem with the Agent, not their issue reflects poorly on NationwideNationwide should set minimum standards of business conduct for agents that represent Nationwide in selling their products If an agent performs poorly(as was clearly the case with my agent), Nationwide should take responsibility and deal with an incompetent agent and make it right for the customer It appears Nationwide neither supports their agents or customers This complaint remains unresolved
Regards,
*** ***
","sans-serif"">Dear: *** ***
This letter is in response to your request for information
pertaining to the above file
Our records indicate the renewal date on the Auto policy was
December 1, 2014. The policy was
cancelled effective January 2, as a request from *** ***. A total of $was charged for coverage provided
for the time frame mentioned above.
There were no payments received towards the December renewal
which left a balance of $178.57. A $
installment fee was charged when the March 10, bill was sent. This resulted in a total of $due for
coverage provided during the above time frame.
On April 7, a Final Bill was sent for $due by
April 26, 2015. There was no payment
received and a Payment Notice was mailed on April 28, to advise there was
still a balance due for coverag provided.
The following documents have been attached for your review:
Billing Breakdown
Final Bill
Payment Notice
Thank you for allowing me the opportunity to assist you and if you
have any questions regarding the
information I have provided you may contact me at ###-###-####,
Ext. *** or my email address is ***
Sincerely,
*** ***
*** ***
Nationwide is only continuing to delay this claimIt has been 6monthsI have many unanswered questionsPlease see the attached