Nationwide

Thank you for your recent inquiry regarding a complaint received from Ms***As *** *** for Nationwide Insurance, I have reviewed Ms***’s complaint, as well as, the claim fileI am writing this letter to address the issues of delayed contact brought forth by Ms*** in her
complaint.In regards to delayed contact and poor time service made by ** *** Insurance Company…
This loss was reported on June 23, and assigned to *** *** at 9:AM Central Standard TimeSuccessful contact with Ms*** took place on June 25, at 10:AM Central Standard TimeWe appreciate Ms***’s feedback as the contact timeliness does not align with our expectationsAdditionally, Mr*** should have returned Ms***’s voicemail promptly on June 24, A coaching and feedback discussion regarding contact delay and poor time service opportunity is scheduled with Mr***We had the opportunity to follwith Ms*** on July 1, She confirmed her claim was progressing forward and her vehicle is scheduled to begin repairs on Monday July 6, We confirmed the scheduling of her repairs and rental reservationShe did not have any additional concernsSincerely,
*** * *** ***Nationwide Insurance###-###-####***

*** *** ***
*** *** *** ** *** ***
*** *** **
*** ** ***
*** *** ***
***
*** ***
*** ***
This letter is in response to the complaint filed with your agency by Marlene Thomas regarding the balance due on her Automobile policy.
Our records indicate there was a bill sent for $due December 6, 2013. After no payment was received a Notice of Cancellation was sent for $(plus a $late fee) due December 28, or the policy would cancel effective December 29, for the Automobile policy. There was also a Notice of Cancellation sent for $due December 28, or the policy would cancel effective December 29, 2013. After no payments were received both policies were cancelled effective December 29, 2013.
The Automobile policy renewal date was May 27, 2013. The policy cancelled effective December 29, for non payment of premium. During the above time frame a total of $1,was charged for coverage provided. A total of $1,was received in payments and there were two $late fees and two $service fees charged
The total charged of $1,plus a total of $in fees minus a total of $1,paid equals a balance due of $417.92. The balance due of $is for coverage provided up to the cancellation date of December 29, 2013.
The payment MsThomas is referring to of $was received on November 5, and paid $on the Homeowners policy and the remaining credit of $was applied to the Automobile policy. This payment was figured in when the above calculations were done.
I have included the Notice of Cancellation for both the Automobile and Homeowners policy.
If you should have any other requests or questions regarding this matter, please contact me at ###-###-####, Ext####
Sincerely,*** ***
*** ***CSSS Customer Resolution & ResponseNationwide Insurance Companies

Thank you for your recent inquiry regarding a complaint you received from Mr*** ***I have reviewed and would like to address his concerns.The concern regarding communications with service center
On August 10, 2015, Mr*** called into the Service Center asking for ways to
save on his insurance policyThe policy insured a Mitsubishi, Toyota, and a ToyotaMr*** noted that he was out of the country and not driving two of the three vehiclesDuring this call Mr*** was advised that liability coverage on the and could be removed, leaving comprehensive coverage onlyThis change was made to the policy effective August 10, 2015, per Mr***’s approval; and caused a decrease in premium in the amount of $(please see declaration page attached).On December 3, 2015, Mr*** emailed our Internet Processing team via Nationwide.com requesting that the liability coverage plus collision coverage be added back to only the Toyota effective December 8, This policy change was completed and made effective December 8, Nationwide notified the Georgia Department of Motor Vehicles (DMV) electronically this day to advise coverage was added back effective December 8, This change caused an increase in premium in the amount of $(please see declaration page attached, proof of electronic filing, and email communication from December 3, 2015)On December 8, 2015, our Internet Processing team received an email from Mr***, stating he is coming back to the United States in two days, December 10, 2015, and wanted to see if he had coverage on his policy that would cover charging a dead batteryThe Contact Us department replied advising the policy has Roadside Assistance and service for a dead battery would be covered (please see attached email communication from December 8, 2015)On December 10, 2015, Mr*** called into the Service Center and spoke to Member Care Representative (MCR), Melissa, he explained that he received two $fines from the Georgia DMV for removing his liability coverage on the two vehiclesHe stated that he just arrived back in the United States on December 9, and received the DMV notice at that timeMr*** also stated that he was not able to drive the vehicles because the coverage was not added backMelissa advised that the coverage was already added back to the Toyota, and that his August 10, 2015, phone call would need to be reviewed to determine if there was a Nationwide error in order to reimburse him for his DMV finesMr*** then requested that liability coverage be added back to the Mitsubishi so he could drive it that dayLiability coverage was added back to the Mitsubishi effective December 10, Nationwide notified the Georgia DMV on December 10, 2015, that the coverage was added back effective December 10, This change caused an increase in premium of $(please see declaration page attached and proof of electronic filing)On December 14, 2015, MCR Melissa called Mr*** and explained that she called the Georgia DMV and was advised that the suspension case was closed as the state had received electronic proof of insurance on December 8, and December 10, from NationwideMelissa also explained to Mr*** that she was waiting to hear back about the phone call being reviewed in order to potentially assist with reimbursing for the DMV finesOn December 17, 2015, Melissa received approval from a servicing supervisor to reimburse the DMV fines after the August 10, call was reviewedIt was determined that the MCR during that call did not advise Mr*** of the requirement to contact the DMV prior to removing liability coverageDue to this information not being provided, Nationwide reimbursed Mr*** for both of his $fines plus interestThe total amount refunded was $Mr*** also requested that Nationwide reimburse $for taxi service he employed while unable to drive the vehiclesWe requested receipts for the taxi service in order to review for further reimbursement, to date these have not been receivedThe concern regarding rental/ reimbursement
Mr***’s initial complaint filed with our Office of Customer Advocacy was forwarded to a senior analyst in member services to research and resolve on December 18, He was requesting to be paid for what it would have cost to have two rental vehicles provided to him during the time the vehicles were not drivableDue to how Nationwide is filed with the Department of Insurance in Georgia, a rental car could not be offeredHowever, Nationwide does review situations to provide reimbursement for expenses incurred by member’s that correspond with an issue caused by misinformation provided by NationwideI provided a resolution to Mr*** on December 22, 2015, advising that due to the issues he experienced with the DMV, Nationwide would be able to reimburse for out of pocket expenses with documented proof of claimed expensesAt this time Mr*** declined to provide receipts for review for reimbursement of alternative methods of transportation expensesMr***’s liability issue with the DVM for the Toyota was cleared on December 8, 2015, and the Mitsubishi was cleared on December 10, Mr*** advised Nationwide that he had issues with the DMV on December 10, During the December 10th phone call, the MCR advised that we were adding coverages that day for the one vehicle and the other vehicle had been corrected two days priorAs Mr*** was advised the liability was corrected on December 10, 2015, (and confirmed again on December 14th) Nationwide would not provide reimbursement for any dates after December 10, 2015, because both vehicles were corrected with the DMVNationwide does not provide compensation for time spent correcting issuesHowever, we apologize that this unfortunate situation occurred for Mr*** with the DMV, and have taken appropriate measure to prevent this from happening again in the futureThe concern regarding premium increase/ backdating coverage
The monthly premium of $was applied during the policy term of May 21, thru November 21, The monthly premium of $was applied during his current policy term of November 21, thru May 21, The increase in premium was due to the following:• The application of a June 13, 2015, approved rate increase with the State of Georgia• The addition of coverage to the Toyota and Mitsubishi Eclipse in December of Mr*** requested we backdate the addition of coverage on both the Toyota and the Mitsubishi Eclipse to August 10, We would be willing to make that change, however, Mr*** would need to pay the adjustment in premiumIn the event he does not want to pay for backdating coverages to both vehicles, a letter of experience can be provided indicating there was no lapse in coverage due to our company error in removing the coverage.Please advise Mr*** to contact Nationwide at ###-###-####, by February 1, 2016, if he would like coverage to be backdated or have a letter of experience createdThank you for bringing this matter to our attentionAs I mentioned above, we have taken further action on Mr***’s concernsSpecifically, we have refunded for the fines assessedAdditionally, we are willing to reimburse for out of pocket expenses with documented proof, and backdate coverage or create a letter of experience per Mr***’s preferenceWe hope this will resolve all pending concernsHowever, if you should have any questions or wish to discuss the matter further, please feel free to contact Customer Relations Coordinator Debra C*** at ###-###-#### or ***Sincerely,Thomas KG*** ***

Response, like the last one, contains erroneous and conflicting statements For the third time, did not receive a policy declarations page until Feb 18th (not Feb 17th, Feb 13th, or Jan 30th) Was forwarded by email to me on that date (at my request) by *** *** This can be verified if this individual bothered to contact him at *** or ###-###-#### This individual can also play back the phone conversation I had with him that afternoon when I told him I probably didn't receive anything in the mail because my address was incomplete Again, nothing was received in the mail and received no phone call from your local agent at any time to let me know the new policy was available
Again, for the third time, what is the legal statute for your billing a customer when you fail to let that customer know what the rate is prior to billing and why you are justified in billing the additional $from Feb 17th, Feb 13th, Jan 30th, or whatever date it is you're claiming now Also don't know why the response asks for alternate carrier coverage prior to Feb 19th Was covered through Feb 19th under existing (and already paid) Nationwide Policy Number #######, which I obtained in
Regards,
*** ***

*** *** ***
*** *** *** *** *** *** **
*** ***
*** *** ** ***
*** *** *** ** *** *** *** *** *** ** ** *** ** *** ***
Thank you for the opportunity to respond to the insurance department regarding policy number ####### for *** *** and *** *** and to address his concerns about the policy.
On 4/12/2013, *** *** purchased a six month insurance policy from Nationwide Sales Solutions with a bill plan of 20% down and five installmentsThe policy took effect on that day when a payment of $was received.
Since January of 2014, we have been in contact with *** *** regarding the premium paid towards the policies he and who has been acknowledged as his ex-girlfriends (*** ***) policyAs previous acknowledged; *** *** started a policy for the Ford Ranger on 4/12/with himself as the primary insured and *** *** as a listed driverHowever, *** *** started coverage for the same vehicle, with herself as the primary insured and *** *** as listed driver on 3/11/Once this was discovered, *** ***’s policy was cancelled, since it was the second of the two policies, and premiums paid towards policy ##########($334.66) were refunded in full to *** ***These refunded premiums have been deposited and cleared Nationwide Insurance’s financial institution
*** *** also requested that the policy #########) for *** *** be cancelled as he no longer had access to the vehicle and *** *** was no longer in the State of *** *** Once a signed cancellation request was received from *** ***, the policy was cancelled as requested*** *** was informed that *** *** was listed as the primary insured and all refunds would be required to be issued with *** *** as a listed payee along with himself.
At this time, the total issued refund of $has been issued and is showing as an outstanding on the Nationwide Accounting systems*** *** has acknowledged that he has attempted to deposit this refunded premium however, has been denied the funds from his financial institution due the missing signature of *** ***Again it is Nationwide’s contention that we are bound to issue any refunds to the primary listed insured(s) and cashing/depositing of the refunds would require the signature the listed payee(s)
I trust that I have addressed the issues within *** ***’s complaint If I can be of further assistance, please contact me at ###-###-####.
Sincerely,
*** ***
*** *** *** *** *** ***

*** *** ***
*** *** *** ** *** *** ***
*** *** ***
*** *** ***
*** ** ***
*** *** *** *** ***
*** *** ***
***
Please accept our apologies for the inconvenience we have causedWe understand how frustrating it can be when a company’s service doesn’t meet your expectations. We value your business greatly and appreciate the opportunity to serve you as a loyal member.
When we learn a member hasn’t experienced our best, we take it very seriously. We strive to improve our service and provide a positive experience for our members each and every time.
We regret any inconvenience you may have experienced
Sincerely,*** ** ***Nationwide Insurance & Financial ServicesPhone: ###-###-####Fax: ###-###-####***

Nationwide Property and Casualty Insurance has reviewed the complaint filed by
*** *** *** and completed a detailed investigation of the circumstances surrounding the value complaint
Due to an accident that occurred on 11/14/2014, Nationwide has determined the Chevrolet GConversion Van to be a total loss. On November 21, claims representative *** *** extended a settlement offer to *** *** for $5,674.68. *** *** did not accept the value at that time but did point out that his vehicle had alloy wheels which weren’t included in the initial assessment. This increased the value to $5,738.68. On 12/1/*** *** spoke with *** *** and provided her with the updated amount. She advised that *** *** may have concerns and they would get back with *** ***. On 12/2/*** *** emailed *** *** advising him of the revised value. On 12/03/*** *** had CCC Valuescope obtain dealer quotes. This value came back at $5,740.60. *** *** then conducted his own review of the market and made a concession of $due to those vehicles that were currently availableOur last offer to *** *** was $6,240.60.
We did receive an email from *** *** in which he included links to comparable vehicles for us to review. These comparable vehicles were reviewed with CCC Valuescope and those most in line with *** ***’s vehicle were in better condition than his vehicle while the other comparables were outliers to the comparables already found with an asking price that could not be supported in the market
To date, we have not been provided any documentation which would support any further increase in our value but we are willing to consider any additional documentation that may support a higher value. Please advise if you require additional information.
Sincerely,
*** ***
*** *** ***

Thank you for the opportunity to respond to the concerns of *** *** regarding the above referenced policy withNationwide Mutual Fire Insurance CompanyThe home/car discount was removed from Ms***’s policy as herstandard auto policy with Nationwide was cancelledMs***
was offered and accepted a policy with our non-standard company, Titan InsuranceOnce her standard autopolicy cancelled, the homeowner policy was no longer eligible for the home/car discountNationwide does not offer ahome/car discount for Titan policies at this time.We appreciate the opportunity to review Ms***’s business, and hope that this information will satisfy her concerns.If you require further assistance, please contact our *** *** ***, Cathy D***, at ###-###-#### orby email at ***
Sincerely,Patricia J*** ***

Please accept this letter in response to *** ***’s correspondence dated September 2, regarding the above cited claim. We appreciate you forwarding *** ***’s correspondence to us. We are addressing *** ***’s concerns directly with her. If you have any additional questions please let us know. Sincerely,
*** *** *** *** ***, AMCO Insurance CompanyPhone: ###-###-####***

*** *** ***
* *** *** *** *** *** ** *** *** ** *** ** *** **
*** *** *** *** *** *** ** *** *** ** **
*** *** *** *** *** *** * *** *** *** ** ***
*** ** *** ***
*** *** ***
*** ***
*** ** *** ***
*** *** ***
*** **
***
*** *** **
***
*** *** ***
*** *** *** *** ***
*** *** *** *** ***
***
** ***
***
** ** ** ** *** *** **
*** ***
***
This is *** *** responding back to *** ***’s responseOnce
again Nationwide has omitted to speak on both estimatesI am still awaited to
hear back from *** ***on the interior
estimate that she failed to discuss in her responses back to meHowever I was
not available on the 15th of August so there for I did not get the
call
Please forward
my email to the individual who is trying to contact me from NationwideMy
email address is *** they will be
able to contact me at this email addressto *** *** ***’s sentence four of her response that she states
“Our inspection showed that these items where rotted”
My question to
*** *** *** is what inspection are you referring to and on what day
and year? I only have one for the interior by *** and one for the exterior
buildings *** the engineer, all I know is that *** never came to look at the
roofs; He gave his estimate based on the engineers report, which at that time
he no longer worked for the company per *** ***Please answer this question.
On the engineer
report he states that “ the functional damage that included warped metal panels
and openings in the seams of the roof covering Building B are attributable to
movement of the roof panels associated with hail and or/wind.
Functional
damage to any roofing system is defined as the reduction in the ability of the
roof to shed water or the reduction of its expected service life.
Damage to
structure seam would have caused damage to the trusses sheating and framing,
which most likely would have caused them to be exposed by way of the seam
and damage to the metal panels which would have allowed other natural elements/
water to cause damage to these items
Going forward *** *** *** please address all concerns in my responsesWith that
being said Please address estimate I received your concern on estimate I
will contact the contractor.
Just to remind
you that you have had estimate longer then estimate 2, which estimate was
sent to your company Nationwide twice prior to you getting estimate 2, but
you have failed to address estimate Please address this estimate.
Regards,
*** ***

*** ** *** *** ** *** *** ***
*** ** ***
*** *** *** ** *** ***
*** *** ***
*** *** ***
*** ** ***
*** *** ***
*** * ***
*** *** ***
We have reviewed the inquiry from
your office from *** *** regarding her homeowners policy
Our company received a homeowners application for *** ***’s homeowner policy that listed the mailing and property address as *** * *** *** *** *** ** ***The original policy effective date was December 20, The full annual premium was $She made payments of $on January 21, and on February 11, 2014; thereafter, she submitted the remaining balance of $
An inspection was subsequently completed on the property listed for the Homeowners policy at E North Broadway Street, Columbus, OH A postcard notifying *** ***s of the external inspection was mailed on February 25, to the policy address provided by *** ***As a side comment, the inspection indicated that the dwelling was void of any furniture and was vacantBased upon this substantial change in risk due to the occupancy of the dwelling, the policy was cancelledThe notice of cancellation was dated March 27, and effective May 1, A copy of the cancellation notice and proof that it was mailed are included
A refund check of $for the unearned premium was sent to *** *** on May 9, to the address of E North Broadway Street, Columbus, OH that she provided in the insurance applicationThis refund was the unearned premium, for the homeowners policyThe refund check (#***) was returned by the post office as not deliverable to the address provided by *** ***Our company had not received any notification from her regarding an alternate mailing addressAs part of our usual business practice, a search was done on our company data and found an in force homeowner’s policy for *** *** at Bretton Place, Columbus, OH The refund check was sent to this address on June 4,
*** *** has requested a refund for the full premium paidBecause coverage was provided from December 20, to May 1, 2014, in compliance with the company’s filed and approved rate filings, premium is withheld for that time insurance coverage was providedUnless *** *** had replacement coverage with another insurance carrier back to the inception date of our policy (December 20, 2013), our company is legally required to provide coverage for her through 12:01am on May 1, and collect (earned) insurance premium for the time that coverage was provided unless she can show replacement coverage with another carrier for that period of time
We appreciate the opportunity to address *** ***’s questionsPlease feel free to contact me if there are additional questions
Thank you,
*** ***
*** ***
Allied Insurance, a member of Nationwide Insurance
###-###-####
***

*** *** ***
*** *** *** ** *** ***
*** *** ***
*** ** ***
*** *** *** ***
***
*** *** ***
*** *** ***
This letter is in response to the complaint filed with your agency by *** *** regarding her automobile policy. Our records indicate the policy was a semi-annual policy that renewed on March 29, 2009, and cancelled for nonpayment of premium effective May 25, 2009. The policy billed on an installment account with payment due on the 29th of each month
Attached please find copies of the bill due on April 29, 2009, the Notice of Cancellation, and the final bill. The balance due of $reflects premium owed up until the cancellation date of May 25, 2009. Nationwide was unable to locate documentation showing coverage was obtained with another carrier prior to May 25, 2009. I would be glad to adjust the balance due if proof of alternate coverage is received
If you should have any other requests or questions regarding this matter, please contact *** *** at ###-###-####, ext########
Sincerely,
*** ***
*** *** * Customer Resolution and Response
Nationwide Insurance Companies

Recently received email for inspection on my house located in OhioI have a seasonable *** swimming pool with no water and ladder is locked in my garage, they want a fence completely around my poolI am remodeling my back porch and replacing it 100% from top to bottom with all new materialOn day inspector came out I was in middle of buildKeep in mind spoke very little understandable English and I explained to him what was going onI have days to finish back porch and place fence around a empty "seasonable" pool with no water during cold winter or they said they will drop coverage of my house

*** ***
*** *** ***
*** ** ***
***
*** *** ***
*** ***
*** *** ***
*** *** ***
*** *** *** ***
***
** *** ** *** ***
We have received the complaint referenced above from your officeAfter further review of the file, and the damaged mail box, our estimate for replacement is fair and in-lineWe have a contractor that can complete the repairs for the amount of the estimate from *** The contractor is *** *** *** *** ** *** *** ** *** ***
The estimate sent in by *** *** appears to be a larger more upgraded mail box compared to the one that was damagedI have attached a photo taken from Google mapsIt appears that her damaged mail box was much smaller in size and only had one slot
As a ri party carrier in this case, we would only owe Acv and not Rev ..However, based on the photos of the mail box and its good condition, we will waive the amount of befterinent/depreciation that was deducted from the estimateI have stopped and reissued a check to *** *** for $and corrected the misspelling of her name
If you have any questions or need anything further please feel free to contact our office
*** * *** ***
*** ***
*** ***
*** ***
*** ***

From: ">Date: Thu, Sep 24, at 7:AMSubject: Complaint #10808985To: [email protected]: Catherine McLaughlin MsMcLauglin, I've attached our response. This material is intended for the use of the individual or entity to which it is addressed and may contain information that is privileged, proprietary, confidential and exempt from disclosure If you are not the intended recipient or the person responsible for delivering the material to the intended recipient, you are notified that any dissemination, distributions or copying of this communication is strictly prohibited If you have received this communication in error, please notify the sender immediately by telephone (collect, if required) and destroy this material accordingly

To Whom It May Concern:
Thank you for your recent inquiry regarding the complaint you received from *** ***As SrAnalyst, Customer Resolution & Response Team, I will address to Mr***’s concerns
We were able to review the homeowner policy, ** ** ** ***, and determined that an error occurredMr*** was never notified of our inspection process to finalize the reconstruction cost amount of his homeDue to this error, we will honor Mr***'s original premium amount of $for the first term of his policyThe correct reconstruction cost of $283,will remain on his policy to ensure he is adequately protected, but he will pay the lower premium amountOnce the policy renews, the correct premium will be chargedMr*** would then have the option of continuing his policy or obtaining other insurance
Here is an explanation in regards to Mr***’s concerns on his auto policy billing, ** ** * ***On May 22, the policy was written effective June 15, with the term premium of $Mr*** paid the policy in fullOn June 3, we emailed Mr*** the state mandated Act forms required for his stateThe Waiver of Stacking of Uninsured and Underinsured Motorist Bodily Injury coverage, as well as Tort Limited option coverageWe never received the forms and resent them again via mail on June 11,
Nationwide attempted to contact the member via phone on June 19, 2015, to address the need to return the formsWe contacted him again via phone on July 13, and were able to speak with himWe advised him that we needed the mandated forms to be returned to us or we were going to default coverage effective inception, June 15, On August 18, we had not received the required signed forms from the member and defaulted coverage to the policy by stacking the Uninsured and Underinsured Motorist Bodily Injury coverage, as well as the Full Tort coverage effective June 15, This change caused an increase in premium of $
We billed the member on August 21, in the amount of $due on September 15, 2015. This was the unpaid balance at that time of $divided over three months left to bill, making their installment $plus the $installment fee
The required signed forms were returned to us by Mr*** on August 19, On August 21, we changed the coverage back to un-stacking for Uninsured and Underinsured Motorist Bodily Injury coverage and changed the Tort option to Limited effective the date the forms were signed, August 17, This change caused a decrease in premium of $131.30. This credit was divided over the three months left to bill applying $to the bill, making $due on September 15,
Mr*** would owe the additional premium for the coverage defaulting from June 15, until the date he signed the state mandated forms, August 17, in the amount of $plus the $installment fee
The auto and home policies remain active and not cancelledIf Mr*** would like to cancel his policies, he would need to contact our service department at ###-###-#### and sign the required forms to cancel his policies
I hope the information that I have provided has answered your questions in regards to this matterPlease let me know if I can provide additional information

*** *** *** has yet to respond to *** ***' complaint regarding the diminished value based on what the car accident did to *** ***' CARFAX reportPlease respond to this concernRevdex.com can you see *** ***' blatantly ignoring *** ***' concern regarding how his diminished value amount of $does not factor in how his now comprised Carfax report affects the current resale value of his vehicle? The reason this question has not been answered in any of our emails to Nationwide is because they have not factored the comprised Carfax report into the $If Nationwide factored the diminished value regarding the comprised Carfax report, the statement regarding the reasons why they choose to only pay $would have specifically stated this (but it did not) and second, they would have made *** ***' whole in this situation (but they did not)*** ***' is left at a loss in this situation and the only thing that can make this situation right and whole again is if *** ***' is given compensation for the true diminished value.
FYI- *** ***' has not heard any correspondence regarding *** ***' alleged contact with the *** State Office of the Insurance Commissioner*** ***' clearly reveals that he has had no contact with the State Commissioner because he so eloquently stated that he responded to the "State of *** Department of Insurance," however, there is no such thing as the "State of *** Department of Insurance." I believe *** ***' meant to lie about contacting the "*** State Office of the Insurance Commissioner." *** ***', Nationwide, or whoever...please take *** ***' seriously and give him the compensation he is owed.
Regards and Happy Holidays!

BEWARE!!! If you get hit by someone who runs a red light and you still have their headlight stuck in your bumper and your only vehicle not safe to drive and that person has Nationwide you will be without a vehicle for about weeksI was hit by a lady who decided to run a red light on ThanksgivingThe lady they gave my claim to is outta the office for a weekI get to sit here for a week with no transportation for my kidsThen I get to sit and wait for her to decide who's fault it wasApparently running a red light and crashing is legal in some statesI have the accident printout from the officers stating she was at fault and they said it don't matter what the cops sayThey decide who's at faultI was told to go thru my insurance and fix my own truck and get my own rentalWhy should I have to pay my deductible outta pocket for a lady not paying attention while drivingSo please beware before deciding to insure with this company!!!!!!!

*** ** ***
*** *** *** ***
*** ***
*** *** ***
*** ** ***
***
*** *** ***
*** *** This letter is in response to your inquiry dated July 30, 2014, regarding the above referenced automobile policy If I do not provide the information you need for this matter, please do not hesitate to let me know.
Regarding policy cancellation
While Road Side Assistance is considered to be an important coverage we offer to our members, if it is utilized excessively within a short period of time the policy will be cancelled per our underwriting guidelinesWhen the policy was reviewed it came to our attention that between 06/29/and 03/22/ten claims were reported. The underwriting guidelines in *** state we may take underwriting action on a policy if there are seven or more roadside claims in a month period. These guidelines are approved by the *** Department of Insurance.
Our records show that RSA claims were reported on the following dates: 03/22/14, 08/26/13, 05/06/13, 03/23/13, 01/30/13, 01/09/13, 06/30/12, 12/12/11, 12/10/11, and 06/29/11.
Nationwide understands when an unexpected vehicle breakdown occurs, this coverage is important to our members and we want to be of assistance when they need it. Each time a call is made for Roadside Assistance, this is considered a claim on the policy and is counted towards general claims frequency Claim frequency can result in underwriting action being taken against a policy.
We will be unable to extend coverage on this policy through 7/04/due to the fact that our policy terms are for six months. The policy was cancelled on 6/22/14, at the end of the term, and the cancellation can not be reversed to extend it for additional time.
Regarding Notification
A cancellation letter was mailed to the address on the policy on 05/12/giving thirty days notice of cancellation.
Regarding roadside coverage
We did not include the word "unlimited," in any marketing, endorsement, etc. as we were aware that due to underwriting guidelines, it might become necessary to remove the coverage.
We also have removed from the marketing information the phrase "call us as many times as you need," as we felt it was misleading for our members.
Based on my review, this was properly handled. We strive to meet our customer’s needs, but understand that sometimes we are unable to do so. If you should have any questions or wish to discuss the matter further, please feel free to call me.
Enclosed:
Notice of cancellationProof of mailing
Sincerely,
*** * *** *** *** ***###-###-#### ***

They gave me a wrong quotes and they ripped me off dollars of a dollar policy that was paid in full with no explanation of where $went I have sent an copies of my policy paid in full a copy of the bill and what was refunded to me in a letter an explanation why
Regards,
*** ***