Nationwide

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*** *** Thank you for the opportunity to respond to *** ***’s concerns regarding Nationwide automobile policy *** This auto policy was rescinded (voided) due to violation of representations and warranties in the policy applicationThe policy application is incorporated and made part of the auto policy contractAt the time of application the policyholder stated that she resided in *** and that the vehicle(s) were garaged in ***. As a result of an auto accident that occurred on August 5, 2014, a full Claims investigation was completed to determine the residency of the insuredThe investigation confirmed that at the time the policy was obtained, the primary address was *** *** *** ** *** *** *** *** and not *** *** *** *** *** *** ***, *** *** as represented on the auto policy applicationThe policy was cancelled back to the inception date of July 28, and all premium paid was refunded to the customer
Regarding the claim denial - On August 22, the Nationwide Mutual Fire Insurance Company auto policy rescinded back to the inception date of July 28, Since policy was rescinded, there was no coverage in force on the date of the loss on August 5, Therefore, we were unable to provide coverage for this loss
Sincerely,
*** ***
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Nationwide
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I cancelled my auto policy on the due date of 6/14/& felt like it should be paid up to the end of that date only to be billed a "short rate fee" of (which they explained after I repeatedly requested an explanation but I still do not understand it) The was due on 8/14/& on 8/21/I got a collection letter from a collection service dated 8/17/and then started setting multiple phone calls on 8/21/from the collection agencyTheir letter said I had days to respond but they are determined to collect this money - now!
I was still contesting the charges since I had signed a cancellation form & noted that I would not be responsible for any fees or cancellation charges when I originally cancelled the policyBottom line is the whole thing was handled poorly & I will cancel my homeowner's & wind & hail policy with Nationwide because of this poor customer service If it was possible I would also cancel my life policies, but I cannotI have been a loyal customer with them for many years holding auto, life, homeowners & wind & hail policies & they just don't care about their customersIf they wouldn't have been $higher per year than Progressive I wouldn't have cancelled with them to begin withPoor customer service - I would not recommend them to anyoneP.S I will pay the because I do not wish to have this negatively effect my credit report and that is their next threat Also, I certainly would not want them to go out of business over this

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This letter is in response to your inquiry received on June 12,
Attached please find the bill prepared on February 6, that shows the $increase in premium and the addition of the garaging address. The company cancellation was processed on February 17, to be effective April 16, 2014. On March 7, we processed a change to the cancellation date and corrected it to February 12, as this was the date *** *** request cancelled the policy.
Premium for the time the policy was in force (November 7, to February 12, 2014) $
Payment received from *** *** $
Balance Due Nationwide $96.30 (See attached bill)
Sincerely,
*** ***
*** *** *** ***
Nationwide Insurance
###-###-####

Thank you for forwarding the foregoing Complaint to our attention***, a fully owned
subsidiary of Nationwide Mutual Insurance Company (hereafter '***"), was notified ofthis loss on August 20,at 3:59PM by the insured's agentThe loss was assigned to
***, Material Damage Claims Specialist the following business day, August 21,2014.I did speak to *** regarding her interactions with Ms*** She did acknowledgethere were some challenging discussions with Ms*** and she did maintain her professionalismduring these conversationsI have completed a review of the claim file and prepared the following timeline to document theinteraction between the Associate *** *** and the Complainant *** ***Thetimeline reflects the history of the claim due to the allegations by Ms*** that Ms, *** didnot explain anything to her and did not return phone callsOn August 1,14, *** *** contacted our insured and accepted liability for this accident.She also contacted *** *** on the same date and dispatched an appraiser to inspect hervehicleMs*** spoke to Ms*** twice on 8/21/On 8/22/Ms*** received theappraisal, for the damages to Ms***'s vehicle and issued payment in the amount of $8937.56.Ms.*** called Ms*** and left a message in addition to sending her a copy of the appraisalOn 8/25/14, Ms*** returned a call to Ms*** and explained the rentalprocedureIt was at this time Ms*** indicated she would like to have the vehicle towed to theSubaru Dealership, *** *** MotorsMs*** had thought the vehicle was beingrepaired at ***'s but Ms, *** indicated she wanted the vehicle repaired at the dealership, Ms.*** did tell Ms*** the vehicle needed to be moved immediately as there would be astorage issue***'s attempted to tow the vehicle to the dealership and they ended up towingthe vehicle back to their location because the dealership would not cover the towThere are someshops that will cover the tow and bill us once they receive the vehicle but that was not the casehere*** then received a bill from ***s in the amount of $for tows, storageand miscellaneous chargesThis bill was paid in full and sent overnight mail to ***'s, Ms.***'s vehicle was towed to *** *** MotorsOn 8/26/the damage estimate wasfaxed to *** *** MotorsOn 8/28/Ms*** called the associate for a copy of herestimate which was mailed againOn 9/2/Ms*** called the associate to advise the vehiclelisted an the appraisal should be a Legacy not a ImprezaThe associate contacted theappraiser who indicated the VIN would not decode in the system due to the model year Theappraiser advised the shop should contact them if there were my supplements or parts pricedifferencesMs*** contacted Ms*** to advise her of the reason and the steps we wouldtake to remedy if there were any parts price differencesThe repairs took a considerable amountof time because there was a part on backorder which is common for new vehiclesThe cost of theongoing rental is not necessarily the obligation of the insurer to absorb entirelyRegardless,*** and *** *** Motors worked together to provide a rental for Ms***during the parts delayOn 11/10/the claimant submitted a letter to present a claim for Diminished ValueIn order for*** to move forward with the Diminished Value claim the repairs to the vehicle must becompletedThe vehicle repairs were not completed at the time Ms*** presented this claim asthem was a part on back orderTwo supplements were received, one on 11/17/and another on11/21/for a total of $Both were paid to the shopNow that the repairs are completedwe are moving forward to determine the amount of the Diminished Value ClaimThe vehiclerepairs must be inspected by our consultant and there is a protocol that is followed to determinethe amount of the Diminished Value ClaimWe will contact Ms*** to coordinate the re-
inspection immediatelyShould you require any further assistance in this matter, please contact our Customer RelationsCoordinator, *** ***, at ###-###-#### or via emailat ***@nationwide.com,

Thank you for the opportunity to respond to MrS***’s additional inquiryWe have addressed MrS***’s repair concerns; these matters have been resolved to MrS***’s satisfactionWe had a third party, independent appraiser inspect MrS***’s vehicle for his diminished value claimThe appraiser assessed MrS***’s diminished value loss to be $1,A copy of this report was emailed to MrS*** on November 13, MrS*** informed the claims associate that he would be willing to settle for $1,Nationwide as extended a final offer, $1,300.00; MrS*** has rejected thisWe will not be extending any additional diminished value offersWe trust this will resolve all pending concernsHowever, if you should have any questions or wish to discuss the matter further, please feel free to call meSincerely,Paul G*** *** *** *** ***

My dog was impaled on a large branch in a creekShe had a hole in her belly the size of a quarterThe animal hospital had to operate on her overnightThey made a five inch incision to clean the wound and make sure there was no perforation of her stomach, and they installed a drain tubeThe bills were over $VPI/Nationwide treated it as a routine laceration and paid only $They said I couldn't talk to a medically trained reviewer, but could only talk to customer service, who would only talk about the "code" for lacerationThey told me to go talk to my state insurance commissioner if I had a problem with it

I ad asked for a quote for health insurance, they kept calling me times a day I aked for my name to be removed from the list and the guy on the phone became beligerant and told me my name cant be removed from the list because they have to help me threatened to keep calling no matter what and refused to put a manager on the phone ,and then decided to become very disrespectful to meshould be fired

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Please accept this letter in response to *** *** correspondence dated September 11, regarding the above cited claim. It’s my understanding that *** *** *** is allowing me to get another estimate for claim since *** *** *** with *** *** has declined from doing the job, based on the new roof not having anything to reattach to since the roof I have now has embedded post once removed the new material want have anything to tie it downHowever *** *** stated that this information needed to be explained in ***’s estimate on why he needed the truss’s to attach material to
The metal building and roofing system that was used to build the 30xan add connection 20xroof they know longer make this way anymore
The 24xbuilding roof beam is cracked due to the seals on the roof blowing off as well as the ridge and edge trim etcAs I stated to *** *** *** it’s the terminology being used and the meanings of information is something totally different then what the other party is thinking
I have sent two pictures of the 30x/ 20xin part roof system
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This communication is in response to a recent inquiry
from *** *** *** regarding the outstanding balance on his former Nationwide automobile insurance policyWe have completed a review of the policy in response to this inquiry
Our records indicate that coverage was written on November 10, The policy was reviewed at that time to ensure consistency with rules and rates filed with the *** Department of InsuranceWe identified that no spousal information was provided at the time of inception
Spouses are required to be rated on the policy or excluded if they have never been licensed or their license has been relinquished for medical reasonAs such, a notice of cancellation due to no spousal information was sent on January 10, with a cancellation date of January 24, (copy enclosed)
The policy cancelled effective January 24, The premium due for the coverage time period of November 10, to January 24, was $plus installment fees of $for a total of $A total of $was received in payments resulting in an outstanding balance of $A balance due bill for the $was sent on January 14, (copy enclosed)
We appreciate the opportunity to respond to this inquiry from *** ***If you have any additional questions regarding this matter, please contact *** *** in our Underwriting Department at ###-###-####, Ext ######
Sincerely,
*** ** ***
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*** *** *** ***
Central Plains Region

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Thank you for the opportunity to respond to the Revdex.com regarding policy
number ##### for *** *** and to address her concerns about the policy
On 10/16/2011, *** *** purchased a six month insurance policy with a bill plan of
20% down and installments
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On 11/30/installment bill was issued to *** *** with an amount due of
$with a stated due date of 12/15/On 12/15/we had not received
payment and a cancel pending notice was sent to *** *** with a stated cancellation
date of 1/8/On 1/8/we still had not received payment and *** ***s policy
canceled per the 12/15/noticeAt the time of cancel on 1/8/2012, a balance of
$remained due in premium and fees
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On 7/30/a payment was received via USPS for $5.00, leaving a balance due of
$On 6/12/payment was received via USPS for $36.00, leaving a balance due of $We have not received any other payments since 6/12/
On 10/24/a complaint was received from *** *** advising that she should not
have any amount due and she was upset that $was in a collections statusAs a
courtesy the remaining $was removed from *** ***’s account and said account currently shows $due*** *** questioned other payments that she issued to our company and she was advised of all payments that were received and applied to her accountIf *** *** states that check payments were submitted to our company and have cleared, we would require a copy of the front and back of each check used for payment to confirm they were issued and were deposited and cashed by our representativeAny expense that *** *** would accrue to obtain this information
would be her responsibility
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I trust that I have addressed the issues within *** ***’s complaintIf I can be of
further assistance, please contact me at ###-###-####
Sincerely,
*** ***
*** *** *** *** *** ***

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This letter is in response to the inquiry received from your office on October 28,
Our customer, *** ***, submitted a claim to Allied Property & Casualty Insurance Company on August 21, for the breakdown of her air conditioning unit. Based on our investigation of this claim, we determined that the unit failed due to wear, tear and deterioration; the unit was reportedly years old at the time of its failure. The HVAC technician who inspected the unit for *** *** advised that there were micro-leaks in the evaporator coil as the copper coil had rotted. The technician also advised that the unit did not fail due to mechanical or electrical breakdown.
On September 10, 2014, a letter was sent to *** *** advising her of our coverage decision
Subsequently, *** *** advised that she believed she was mis-lead by her agent, *** ***, when she purchased the policy for her home in February 2012. She advised that her agent stated the Equipment Breakdown Enhancement Endorsement (#######) was sold to her as an endorsement that would cover such losses as the breakdown of her air conditioning unit. *** *** advised that she dropped her home warranty policy as a result of the information provided by her agent
We discussed *** ***’s understanding of the Equipment Breakdown endorsement with her agent, *** ***. He agreed that he was under the understanding that this endorsement would be comparable to a home warranty policy
We advised *** *** that we would be able to extend coverage for her loss if she would provide the name of her former home warranty policy company to us. We advised that if the home warranty policy would have provided coverage for the replacement of the air conditioning unit, we would also provide such coverage
*** *** advised that she is unwilling to provide the requested information to us
We have since requested that her agent attempt to obtain the information from her. At this time, we are awaiting a response from *** ***
If you require further assistance in this matter, please contact our Customer Relations Coordinator, *** ***, toll-free at ###-###-####, Ext##### or by email at ***
Sincerely,
*** ***
*** ***
Western Claims Zone
Allied Property & Casualty Insurance Company
Phone: ###-###-####
Email Address: ***

I disagree if some, if not all of the statements made by *** ***s message sent on 12/29/And I think your response re-iterates the problem that I have with this claim and the reason I came to the Revdex.com in the first placeYou stated that "CCC Valuescope was able to locate similar comparable vehicles which they used in researching the value of the Chevrolet van"My complaint is that not only did Valus scope go half way accross the country miles away to find a compairable vehicle( which is way out side of industry standards), but the vehicles they found were not compairable, because CCC Valuescope is not adequately setup to value these vansLike you said before, these vans are "Outliers" by design, CCC Valuescope, Edmunds, KBB, NADAThat is why Edmunds, KBB, NADA all have seperate ways to value RVs, which would be a more accurate to value Conversion VansAgain I state that this van has a RV titleDoes this seem logical to you? Does this make sense?
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This is an example of conversion vans, which valuescope would say has the exact same options, but the MSRP price is roughly $20,dollars differentWhat is different, is that the first van has a good but generic conversion package , and the second has a higher grade conversion packagesIf you look at the website, the southern comfort conversion packages are all 15k to 20k more than the genericI can provide more websites and provide more than of these examples if neededI say all this to say, all conversion packages are not the same, and that is why I must insist that you compare my van to other Regency Coronado LX vansThat is the only way to get a accurate valuationI was able to provide several links to compairable Regency Coronado LX vansThis is not hard to do and there is no reason not toYes, these vans are more expensive, and "Outliers"But that is by design and these vans are all outliers when they are sold.
Does this seem logical to you? Does this make sense?
If you go to Edmunds, KBB or NADA and select every possible option on a chevy exspree van and you get $39,that is $10,to $30,dollars cheaper than the MSRP of one of these conversion vans newThis is why I am complainingThis is exactly what valuescope is doing, and it works well for %percent of the vehicles on the road, but not for conversion vans, and it clearly is not fairDoes this seem logical to you? Does this make sense?
When I asked a local Chevy dealer to appraise my van they said they would not and could not give an accurate appraisal because there is no adequate way to do soNow to directly address some of the statements made in your previous responseStatement 1:
"CCC Valuescope was able to locate similar comparable vehicles which they used in researching the value of the Chevrolet van with the conversion package."
--The vans used as compairisons were not Regency Coronado LX conversion, and not an addequate accurate compairson, not to mention over miles away, way out side of the "Local Market"Statement 2:
"The value did take into account all of the options that this vehicle had including body side moldings and the rear step bumperThe value add of these options is minimal due to the age of the vehicle but are considered within the overall value."
--Every other option listed on the evalualtion had a dollar amount assigned to it, but not these When I asked your claims adjuster about these options he said that thier were some options on the van that the system was not setup to handleIf these options were considered, I would exspect that a dollar amount would of been assigned to it and listed on the report no matter how smallAnd seeing how the cost to replace these options are thousands of dollars, I can't believe that they would not bother to put some dollar amount with it if they couldI will attached the vehicle evalueation to the complaintIf there was a small value amount added to the evaluation for these options I would love to see the email, or report from valuescope stateing exactly the small amount attached to this complaintI think this again strenghts my complaint,the fact that valuescope thinks that something that cost $2,when new has no value when it is usedValuescope is not adequately equipped to to evalueate conversion vansStatement 3:
"CCC Valuescope also conducted additional research by obtaining two dealer quotes."
--I would like the response from these "Dealers" from NC attached to this complaintWhich dealers were contacted? Do they specialize in conversion vans? I don't know of a single reputable dealer who will give and evaluation appraisale over the phone with out looking at the vehicleWere they informed that this was a Regency Coronado LX conversion vanI don't see how it is possible that the value they reported was exactly the same as what a standard van with out a conversion with similar options and milage is valued on Edmunds, KBB, NADAThat means either the conversion package to them is worth nothing or that Edmunds, KBB, NADA are all wrong.
Statement 4:
"To date I don’t see where a rental vehicle has been requested"
On "11/25/01:PM" I emailed MrLeague the following statement"I had also hoped that we would be able to resolve this before the Thanksgiving holidays, but since that does not seem possible, could I request a rental van until we can come to a consensus."
Yes, I would like a rental Van as soon as possibleI rented a van on my own previously, can I be reinbursed for that as wellAlso We were a car family now we are down to car which is leased, can I be reinbursed for the extra miles I have put on the leased car at the gong rate, since I was not provided a rental?
To date I have not recieve an acceptable reponse to any of the questions I have askedI would ask that you please address these descepancies with details and facts1: Have you comapired my vehicle to other Regency Coronado LX vans? If not why not? If so please provide detailsHow much value was added for the side moldings and the rear step bumper? Please provide details of the amount, which you said was small, with proof from Valuescope that it was consideredWhich other Dealers were contacted about the evaluation of my van, and what details were they provided? Do the specialize or even sell used Conversion Vans? Please provide all details you canIf you can't provide details, this should not be consideredHow do I get a rental van? And can I be reimbursed for previous expenses incurred from not having a rental van provided, when I asked?
Regards,*** ***

As I've stated in my previous rejections the total premium (paid in full) for Oct 23, thru Oct 23, was $2759.32. Due to nationwide error (square footage increase that we didn't have) the policy increased to $When the square footage was FINALLY corrected (because I was so persistent) the premium was brought down to $2982.46. The difference from the contract date to the renewal date was $not $1505.57. The $was not a partial payment. It was the premium paid in full for the year UNLESS there was a REASON for increase. I didn't make any changes/additions to my home to increase the premium from $2759.32. Refer to the declaration I sent from Nationwide dated Aug 25,showing the premium of $for the dates of Oct 23,thru Oct 23, so where did the $come from? I have never received that declaration for $3524.11. I did receive the declaration dated Sept23, for the renewal premium of $3134.21. Why is the premium for the 2015/year less than the $premium for 2014/year? I'm sorry but none of your responses are acceptable. There should not have been an increase. The increase for the additional $was unfounded hence the premium being brought back down to $for the 2014/year. My agent *** *** assured me that the premium that I paid in full for the year was not a partial payment and he could not find a reason why it increased $1505.57.
Last, (document sent from *** ***) if Nationwide already received $for the 2014/year why did Nationwide bill *** again on July 20, for an additional $asking for a partial payment of $for policy period Nov 10, thru Nov 10, 2015? That's a total of $for one year of insurance for my modest house that we purchased as a "project" for $147,000. How can you expect me to accept your answers when it would have continued if *** didn't refuse to pay the $when nationwide billed days after receiving $1505.57? I don't trust your answers or Nationwide. I still believe Nationwide owes me money. After the mistake was corrected I only owed $which I would have gladly paid. So Nationwide can't justify keeping $when at the same time you admit to the error by bringing the premium back down to $2982.46. Then billing for the 2015/year for $3134.21.
Regards, *** ***

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

This has not been settled to dateSome work has been done however there are still a substantial amount of items that have not been addressedWhen I emailed the adjuster today he said he was busy on a fire and would try to get to it when he returnedThey have gotten much further on completing it than when I filed the complaint. I would expect this should be finished within the next week or so however I do not want to accept and close this complaint until the obligation has been met and the claim and my business is finished with Nation wide
As far as Nationwides answer to my question about cancelling our policy I do not accept the explenation for cancellation. In response to the answer given by NationwideI was unaware that premiums needed to be an amount that would cover your loss should a person have a fire
I am no larger risk today than I was when the policy was purchasedIn fact I would think that the home itself is even safer than beforeAll the utilities in the house are new and brought up to present day code and standards Why are customers punished for utilizing their insuranceIsnt that why insurance is purchased? ( to cover losses when an individual has a disaster.) No one explained to me when I purchased the policy that should I have a large loss I will lose my coverageI suspect, should people realize they will be punished for using a product for its intended purpose they might look elsewhere. its like buying a car you cant driveunfair!!!! The fire was not started from boxes setting on top of cordsIt was a faulty plug and determined to be no fault of ours by the inspector that investigated the incidentAs with allot of us my basement is used primarily for storageYes there were boxes that caught on fire due to electrical chord, however the chord had to have a reason to get hot enough to set a fireI was told it was a faulty plug
Fact is they effected my ability to obtain affordable insurance by the way they worded their letter for non renewalThey could have chose to not do business with me but why lable me a high risk and effect my ability to buy main line insurance
I will be happy to close the complaint when Nationwide meets their obligationI will be very happy when this is all overIts bad enough when you loose your home and many of your possesionsMakes it much worse when you have to fight to get it backDosent feel like they are ON MY SIDE
Even the adjusters that we worked with stated they didnt think dropping us was fair
Regards,
*** ***

The employees that work for Nationwide are very rude They do not treat their customers with respect I was very disappointed with the way I was treated especially after being a customer with Nationwide for years Such a disappointment....just goes to show that loyalty with a company means nothing....it's all about the buck....very sad

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To Whom It May Concern:
Thank you for your recent inquiry regarding a complaint you received from *** ***. As Office of Customer Advocacy Complaint Coordinator, I have asked our Central Operations Sales Support team to address *** ***’s concernsIf we 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 auto policy cancellation and notification not received
*** ***, *** *** *** *** * ***
Review of our records shows *** ***’s automobile policy cancelled due to non-payment of premium effective April 3, 2014.
On March 18, 2014, a Notice of Cancellation was mailed to *** ***’s mailing address on file of *** *** *** *** ** ***The notice informed a payment of $must be received by April 2, to prevent the cancellation for non-payment of premium effective April 3, at 12:a.m.
A payment of $was received on April 4, 2014; however, it was received after the cancellation dateThe payment was applied towards the $collection balance owed, and the remaining balance of $was automatically written off.
*** ***’s mailing address was updated per his request effective March 3, 2014, by our Service Department and the Notice of Cancellation was mailed to the correct address.
Copies of the Notice of Cancellation and evidence of mailing have been attached.
The concern regarding the inadequate communication with the agent*** ***, *** *** *** *** *** ***
A warning notice was sent to *** ***s which stated a payment was necessary to continue coverage if paid no later than April 2, *** *** came into the *** *** and made a payment of $on April, 4, 2014, after the stated last day to pay. The agent made the payment but because the policy had already canceled, the remitted payment was applied to the short rate amountDue to the payment history, the stated policy, #######, was been flagged as a bad risk and was ineligible for reinstatement and therefore the agent was unable to reinstate the policy.
Based on my review, this claim was properly handled. 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 contact *** ***, Office of Customer Advocacy Complaint Coordinator at ###-###-#### or email her at [email protected].
Sincerely,
*** ***
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Nationwide Insurance Company
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Enclosure: Notice of Cancellation
Proof of Mailing
Contacts:
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Nationwide Insurance Company
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I applied for auto insurance online with a pretty good rate for KY where insurance is a total ripoff The quote was for $down and $each month for the next months I did not purchase right away online as I was considering other companies An agent called and after re-figuring my quote they wanted nearly $for months and they would only accept a full month paymentI think when you get quotes online the companies should have to stand behind their quote I also believe insurance companies should not be able to do any kind of credit pulling because this allows companies such as Nationwide to gauge people who are poor but must be insured by state/federal laws

This letter is in response to the rejected offer made by Nationwide Insurance regarding the complaint dated May 12, 2016.">With the insured’s policy a total credit in the amount of $1,was placed on the policy for prior taxes that were collected on the insurance policyHowever, as the policy did have a balance for the current insurance term, this credit paid for the remaining balance due on the current term and a refund was issued for the remaining $of creditAs the insured has since cancelled the insurance policy effective June 1, a second refund was issued in the amount of $for unearned premium and was mailed on June 7, A billing breakdown has been included detailing how the credit was applied to the accountIf you require further assistance, please contact our *** *** ***, Sharon W***, at ###-###-#### or by email at *** Sincerely,Stephen Y***

This review is about VPI Pet Insurance, which is apparently owned by NationwideMy most recent pet, an adopted Rottweiler, had a urine test that showed slightly higher than protein on file This was a preexisting condition called proteinuria for which coverage is denied 
   
One night, I took her in to emergency for "sneak eating" a HUGE amount of dog food that she ripped out of a 20-lb bag of kibbleHer belly was hurting, sensitive to the touch, very bloated, she couldn't settle down and was clearly in great distress I suspected bloat which is a life threatening condition and common in big breeds X-Rays were taken stat and also sent to another radiologist for second opinion stat, because her intestines were so blocked, they couldn't make out what was what Then, while she was on the exam table, she had the hugest poop (sorry folks) that the vet and techs said they ever saw   
   
 This visit was $ The claim was denied because VPI took it upon themselves to diagnose this visit as her preexisting urine issueI asked them, how do you arrive at calling the most clear case of intestinal distress/suspected bloat a completely UNRELATED preexisting condition?  (Mind you, this is after so many back and forths where they claimed they didn't get what they needed, the vet kept having to re-fax over and over, in addition to me mailing letters and phone calls over and over for the last EIGHT months    I said that I would be glad to have my vet send a letter outlining in detail the visit, the X-rays, etc, (which were blocked with poop.)  The rep said it didn't matter what I sent them, they wouldn't use a letter from my vet, since they only go by her medical records on file with them WHAT?!?!?!? It was reviewed again in underwriting and subsequently denied again for the same excuse     
  My very own well known and highly reputed vet hospital told me that they used to recommend VPI for years They advised me that they are no longer endorsing VPI due to so many reported problems with clients, complaints and hasslesDON'T PUT YOURSELF THRU THE AGGRAVATION, and they aren't cheap either