Nationwide

[redacted]
 
[redacted] 
 
Thank you for the opportunity to respond to the Revdex.com regarding claim number ###### for [redacted] and to address his concerns about the claim.
 
Victoria Fire & Casualty DBA Titan has already responded to the complaint through the State of [redacted] Department of Insurance and has appropriately addressed all concerns on [redacted] diminution claims for damages to his 1999 Volkswagen. 
 
Sincerely yours,
 
 
 
[redacted]
 
Phone: ###-###-####

It's convenient that the only recorded conversations are those after conversations we had with the NW rep before they transferred us to the subsidiary company. My mother and I did speak with a NW REP & we did inquiry about comp insurance, collision insurance, & the lien holder before we were directed to Speciality. We were under the assumption the policy had collision, this is why we agreed without question. 
What you are suggesting is that we are uninformed consumers. We are not! We know the law! It is against the law not to have insurance on a car when it has a lien holder regardless the age, it must have collision to protect the lien-holder & the consumer.  Obviously that's not NW CONCERN. Not informing consumers is false advertisement. We know what happened. Just because they won't admit it doesn't mean it didn't happened. 
Regards,
[redacted]

[redacted]
 
 
 
[redacted]
 
[redacted]   [redacted]
         [redacted]...

[redacted]
         [redacted]        
Thank you for the opportunity to respond to the Revdex.com regarding claim number ##### for [redacted] and to address his concerns about the claim.
 
Victoria Fire & Casualty DBA Titan has addressed the complaint through the State of [redacted] Department of Insurance and has appropriately addressed all concerns on [redacted] diminution claims for damages to his 1999 Volkswagen. 
Sincerely yours,
 
 
 
 
[redacted]
Phone: ###-###-####
 
October 16, 2014Claim number: [redacted] Claim detailsInsurer: [redacted]Policyholder: [redacted]Claimant: [redacted]Claim number: [redacted]Loss date: August 20, 2014Loss location: [redacted] Dear [redacted], The damage to your 1999 Volkswagon Jetta GLS is all bolt on/bolt off parts. There was not any structural damage and you opted for an appearance allowance of $100.00 on the small dent on the exhaust shield. The estimate also notes the vehicle has scuffs, stains on the hood and a few small dings, which would not place the vehicle in a pre-loss condition of "excellent retail".  As previously stated, this vehicle has been repaired to its pre-accident safe, mechanical and cosmetic condition by the shop of your choice. At this time, the offer of $200 for diminished value stands. Please find the enclosed payment in the amount of $200 as it is the undisputed amount. An alternative is for us to hire an independent appraiser, at our expense, and you to hire an independent appraiser, at your expense, and have the information reviewed by an arbitrator. The arbitrators decision would be final. For more information If you have any questions or concerns, please contact me at ###-###-#### or [redacted]. Sincerely,[redacted]

We certainly disagree with nationwide assessment of our case.  we have previously demonstrated and documented that Nationwide did not communicate to us any rate increase untill afrter we have cancelled our insurance with them.  We have the statement and letter from our agent as proof that we were told we could continue our insurance and after our rejection, they went ahead and increased their rate to keep our rerfund.  through many communications and certified mail, we have proven that they have misrepresented facts about our insurance rate and accused us of misrepresenting. We have also had home owner insurance with them, and they did refund us the correct amount, we bought auto and home insurance at the same time, how can one be correct and the other one false.   We have returened to our previous insurance company without a oproblem, at much better rate.   We are asking Nationwide to show us, any documents, e-mail, regular mail, record of phone conversation, anything that demonstrates that they have warned us about our rate increase for whatever imaginary reasions they have before February 12, 2014 (our cancellation date), and we would rest our case.    
Regards,
[redacted]

This is [redacted] sending you out what Revdex.com Ohio system has for 07/07/2014 attachment's which show Paul's K report and date that it was done. After [redacted]s report it show what you all sent out is a copy of my claim 1 estimate that nationwide keeps stating that they have not received it or did not receive. However this estimate was a part of the attachments that [redacted] speaks of concerning AI report. This is what I am talking about the continues games the continue to play with me and most likely many consumers. 
[redacted] I just wanted you to know that they did get the estimate you sent over. See attachment which show's sent from [redacted]' fax machine. 
[redacted]

My ins with Nationwide was coming up for renewal. I communicated this with them way ahead of time. Talked to them several times. I cannot let my ins lapse. They would not get my renewal going until my policy expired. They were full of excuses. I went w someone else who wanted my business. Nationwide will NOT be my ins company ever again. They don't care. They didn't even call to keep my business. They are to big to care or have my business.

[redacted]
 
 
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[redacted]
 
[redacted]
This letter is in response to the inquiry received from your office on June 12, 2014.
On May 18, 2014, [redacted] was involved in an accident that resulted in the total loss of his 2002 Mazda 626. The Nationwide liability investigation was completed the same day, resulting in finding [redacted] 0% at fault.  The inspection of the vehicle was done on May 19, 2014 and the following settlement information was provided to [redacted] on May 20, 2014:
NATIONWIDE / ALLIED RETAIN
Actual Cash Value = $3,561.00
Condition Adjustment -$994.00
Subtotal ACV = $2,567.00
Sales Tax 8.0000% + $205.36
Prorated License Fees + $86.00
Title Fee + $15.00
Gross Settlement = $2,873.36
Deductible - $750.00
Net Settlement = $2,123.36
OWNER RETAIN
Actual Cash Value = $3,561.00
Condition Adjustment -$994.00
Subtotal ACV = $2,567.00
Sales Tax 8.0000% + $205.36
Pro rated License Fees + $86.00
Title Fee + $15.00
Salvage Certificate + $19.00
Salvage - $581.29
Salvage Sales Tax - $46.50
Final Sales Tax + $158.86
Gross Settlement = $2,264.57
Deductible - $750.00
Net Settlement = $1,514.57
He agreed to the Nationwide settlement which includes his $750 deductible that is on his collision coverage on his auto policy.  If the claimant carrier accepts liability, then we can reimburse the deductible with his settlement.  The deductible cannot be reimbursed until the claimant carrier has accepted liability.
On May 23rd, a claim was filed with Anchor General Insurance, the claimant carrier.  A follow-up was done on June 5, 2014 and June 16, 2014; however, the claimant carrier has not accepted liability.
[redacted] received the rental vehicle on May 21, 2014 and we extended the rental until June 19, 2014 when his policy limits were reached.
If you require further assistance in this matter, please contact our Customer Relations Coordinator, [redacted], toll-free at ###-###-####, Ext. ####### or by email at [redacted]
Sincerely,
[redacted]
[redacted]
Nationwide Insurance Company of America
Phone: ###-###-####
Email Address: [redacted]

I insured my automobile and got renters insurance through this company. The first few months I had no issue until they tried to auto deduct twice as much as my premium was in the beginning of March 2014. I called immediately and was told they never received signed documents (which had been sent) so the law stated they had to increase my policy. I had them resend me the forms, which I signed and returned right away (again) via fax and email. They did not get back to me again for another 3 weeks which they claim was how long it took to process the paper work again. They then still charged me the increase in premium for the time it took them to fix everything even though fault was on their end, they lost the original paperwork, then took forever to process the new paperwork.

his letter is in response to correspondence dated March 30, 2015.    
Our company representatives have addressed Ms. [redacted]’ concerns multiple times.  Ms. [redacted] may not be satisfied with the information provided in our prior responses.  The company has directly and accurately responded to each inquiry and considers this matter closed. 
Sincerely,
 
 
[redacted]
  ###-###-####

We have received the complaint referenced above from your office. After further review of the file, and the damaged mail box, our estimate for replacement is fair and in-line. We have a contractor that can complete the repairs for the amount of the estimate from [redacted]. The contractor is [redacted]
The estimate sent in by [redacted] appears to be a larger more upgraded mail box compared to the one that was damaged. I have attached a photo taken from Google maps. It 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 estimate. I have stopped and reissued a check to [redacted] for $1566.25 and corrected the misspelling of her name.
If you have any questions or need anything further please feel free to contact our office.
[redacted]
Harleysville Insurance
###-###-####
Fax ###-###-####

Thank you for the opportunity to respond to the Revdex.com regarding policy number [redacted] for [redacted] and to address her concerns about the policy.
 
On 2/13/2015, [redacted] purchased a six month insurance policy from the Right Answer Insurance Agency with a paid in full bill plan. 
 
On 2/14/2015 [redacted] was sent her policy document, policy declarations page and ID card.  The cancellation during policy period is outlined on page 14 of the policy document provided, subheading 5 of the General Policy Conditions.  As stated “the refund will be computed in accordance with the short rate table and procedure, which is the unearned prorate premium X .90.”
 
On 4/29/2015 [redacted]’s cancellation was processed per her signed request effective 4/30/2015 per the procedures outlined in her policy document.  A return of premium check for $141.14 was sent on 5/1/2015 to the address on file.
 
I trust that I have addressed the issues within [redacted]’s complaint.  If I can be of further assistance, please contact me at ###-###-####.
 
Sincerely,
 
 
[redacted]

I called today, 3/22/15 to get a home owners insurance quote... the person on the phone asked if we had a dog. We have an English Mastiff, I told him that, he checked to see if they could write a policy for a home with a dog such as ours, he said they could not write a policy for us unless we had a good pet report from the American Kennel Club. I have never been asked that in my life. Anyone who writes insurance should understand dog breeds if they are going to preclude certain breeds. Enghlish Mastiffs are gentle giants. WHAT IN THE WORLD... you wont give me a quote with out a form from the AKC about an ENGLISH MASTIFF. Wow.

I've been with Nationwide for a few years. Recently, I change out vehicle to another one and was quoted about $56.00 a month. The following month they hit me with a $100.00 payment. They claimed that there was an insurance increase. This is not the first time they have done this. my roommate had the same issue a few months ago.

[redacted] 
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[redacted]
[redacted]
If [redacted] would read the attachments, [redacted] will find that the attachments that she is stating that is Nationwide are pages 1 through 6 that where sent to me by [redacted] However pages 7 through 9 are mine that includes my estimate for claim 1 that was sent from me to the Revdex.com and forward to nationwide form me as those of pages 1 through 6. If [redacted] would read the attachments and go to page 7, 8, and 9 she will find my estimate from installation and remodeling. Please read your email the included the attachment your claiming that yours. 
[redacted]

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 To Whom It May Concern: 
Thank you for your additional inquiry regarding a complaint you received from [redacted] 
Please accept our apologies for the inconvenience we have caused in the handling of your policy.  We 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 let us prove we deserve to keep it.  
When we learn a customer hasn’t experienced our best, we take it very seriously.  We strive to improve our service and provide a positive experience for our customers each and every time. We appreciate your continued business and thank you for allowing Nationwide to continue to be your service provider. 
As stated in our previous letter, the credit from [redacted]’ commercial tenant policy was applied to policy #####.  Therefore no refund was generated.  If [redacted] has further concerns regarding his bills, please have him contact our Customer Service Center at #-###-###-####.
 Sincerely,
[redacted]Nationwide Insurance

Here is the item you requested. (Purchase of new Prius – Sept. 23, 2016) Please remember, even though the car was purchased it then must be wrapped, brake and accelerator added to the instructor side, and approved by the state. I already have given the date of when the car came out of the shop to be able to legally be used.  
 
Sincerely,D. Kirk
Doctoral Candidate
[redacted]
[redacted]
*

Canceled my policy on 15 Jul 2014 and was still billed for the next month. Called them and explained, no problem. Re-billed twice more with calls to explain to them, but they don't care just want money. I've now been sent to collections and told I must provide proof of new insurance to Nationwide's collection agency.To me this is very intrusive and should be illegal

[redacted]      
 
 
[redacted]
 
[redacted]             [redacted]...

[redacted]                                      [redacte...⇄  
[redacted]                                  
Thank you for your recent inquiry regarding a complaint you received from [redacted]. I have reviewed this claim file and would like to address [redacted]’s concerns. If I do not provide the information you need for this matter, please do not hesitate to let me know. 
On September 16, 2014, [redacted] was involved in an accident in his 2006 Chrysler 300C in [redacted]; he reported the loss to us that day.  On September 19, 2014, we assessed his vehicle damage and determined that the vehicle was a total loss.  
The issues in [redacted]’s complaint are below, along with our responses: 
Nationwide terminated his rental authorization: 
We have paid the full benefit under the policy; 30 days. 


Nationwide “stole” his vehicle (moved it without his permission): 
On September 22, 2014, we completed a 3-way call with [redacted]’s attorney, and the tow yard that held his vehicle, Pro Tow.  In that call, [redacted] gave his permission to have the vehicle moved to [redacted], our salvage vendor, in order to mitigate the loss by terminating storage charges.  We are happy to return the vehicle to him at our expense if his attorney requests us to do so. 


Nationwide made arrangements to have his personal items returned to him: 
This is accurate; when [redacted] notified us that he did not removed his personal items before giving us permission to move the vehicle, we made arrangements for [redacted] to retrieve any personal items from the vehicle and ship the items to him at our expense.  


Nationwide did not consider vehicle upgrades in the settlement amount: 
We have offered settlement based on a market valuation report from CCC Information Services, which determined the fair market value of his vehicle based on comparable vehicles in his area, with adjustments made for options, condition, prior damage, and the refurbishments that he mentioned.  This is an standard valuation method. 


Nationwide has not repaired his vehicle or settled his claim:  
We presented our settlement offer to [redacted] and his attorney on September 22, 2014. The attorney let us know that he was considering utilizing the at-fault party’s insurance carrier, but he had been unable to secure settlement figures from them. At our last contact with the attorney on November 4, 2014, he indicated that he was unable to reach the other carrier and so he would work with his client, [redacted], to return the required documents so that we can settle the claim. 
Our offer is as follows: 
Actual Cash Value                                     �...⇄ $9,937
Additional Considerations/refurbishments     $1,015.00
Unrelated Prior Damage Identified $470.40
Unrelated Prior Damage Applied                   -$250.00
Subtotal                                    ...⇄ $10,702.00
Tax Amount based on Rate 2.875%               $307.68
Title fee                                      �...⇄ $18.00
Registration Fee                                      �...⇄ $23.00
Less Deductible                                   ...⇄ -$500.00
Settlement offered                                          $10,550.68. 
Based on my review, this claim was properly handled.  We are eager to resolve this claim with [redacted] and his attorney.  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.  
Sincerely,
[redacted]
Nationwide Property & Casualty Insurance Company
###-###-####
[redacted]

My complaint to the Revdex.com in this
instance strictly concerns the termination of one policy and
associated issues.
The response by Nationwide is highly
inaccurate in many respects. However I will limit this response to
those matters connected with the policy termination issues which I
complained to the Revdex.com about..
I will be making further
complaints to the appropriate bodies about the other issues raised in
this response.
Nationwide state
“Upon
the home inspection, repairs were found to be needed and a 60 day
notice of cancellation letter was sent to [redacted]. At that time,
the home was also determined to be vacant.”This
is untrue. The first notice of cancellation I received was by email
on December 11th
2013. The only times an agent was in my home was in early July and
early December 2013.
There
was no sixty day termination letter.
I
was told by email on December 11th
that the policy would terminate December 13th.
This followed the second visit to my property by a [redacted] of
Nationwide on December 4th. 
“The
agent was uncertain about whether [redacted] would like to cancel
his policy before the 60 days but said that [redacted] still has
not submitted payment or provided signature for the new homeowners
policy.”This
statement is blatantly untrue.I
was advised by my attorney that I needed to send forms to [redacted] and
I did so on December 13th.
I have the email where those forms were sent in 
I ALSO HAVE
THE EMAIL WHERE [redacted] ACKNOWLEDGES RECEIPT OF THOSE FORMS ON
DECEMEBR 13TH
When
I contacted the main Nationwide office in mid January to ask after my
check I was told that the the policy had not been canceled so no
difference check had been written.
Subsequently I have been sent a demand
for money by the [redacted] agency despite my original, more
expensive, policy having been paid up until May 2014.
In summary.
Nationwide told me of termination of my
original policy with 2 days notice.
I filled in the
forms by their deadline of the 13th December 2013, even
though I only received the correct form that I needed to sign at 3:27
PM on that day.
No action was taken on receipt of these forms
and in their response to my complaint Nationwide now deny receiving
them. This is an untrue statement and have attached the documents
showing this.
Regards,
[redacted]

[redacted]     [redacted]       [redacted]    [redacted] [redacted]
This communication is in response to [redacted]’s follow-up inquiry regarding his Nationwide Automobile Insurance policy.   He has additional questions regarding application of a good student discount which was removed from the policy on the March 22, 2014 renewal.    We have completed a review of the policy in response to this inquiry.
Our records indicate that the discount was removed on the March 22, 2014 renewal as it no longer applies at renewal in the year that the driver turns age 25.  [redacted] does not actually turn age 25 until his birthday on December 13, 2014.  However, for rating purposes age means the age that has been or will be attained within the current calendar year.  As such [redacted] was rated age 25 on the March 22, 2014 renewal and the good student discount available to eligible drivers ages 16 to 24 was removed.    
[redacted] did contact us on February 26, 2014 to re-add the discount to his policy on the March 22, 2014 renewal.  Our customer service representative was unaware that [redacted] was considered to be age 25 for rating purposes, and the discount was re-added but had no impact on the premium.  We are including the original renewal declaration which was issued without the discount, and the revised declaration which was subsequently issued with the discount (copies enclosed).  There was no change to the total policy premium ($1,438.90) because the discount has no impact on a driver rated age 25. 
We appreciate the opportunity to respond to [redacted]’s concerns to better explain why the good student discount no longer applies as of the March 22, 2014 renewal.   If you have any additional questions regarding this matter, please contact [redacted] in our Underwriting department at ###-###-####, Ext #####. 
Sincerely, 
[redacted]