I have been very honest about the cancelling of my policyI remember the exact conversation & never was it mentioned to me that day that something had to be signedI am only a few minutes awaythey asked me to send a picture (Registration) on my cell to Angie's phone, she gave me her call # & I didThen, never heard anymore after I sent the proof they requested.Last week I talked to Charity from main office & she requested the copy of the registration also that was never renewed I did fax that to her, then she said her supervisor said that they would reimburst back to March unless I show proof of me selling the car or it was not in my possession I told her then I would be lying because I told them from the first phone call I made last fall I had open heart surgery & other health issues & was not able to return to workThis meant I did not have the money to repair the car, which hasn't been on the road since spring of I am planning on getting fixed when I have the extra money. Sincerely,
*** ***
This letter is in response to the concerns filed by *** *** regarding the transfer of the policy and billing concerns
In regards to policy *** ***, the policy renewed October 3, with a premium of $The policy cancelled as a transfer to another state, effective December
17, which processed in our systems on December 31,
Nationwide charged $for coverage on this policy from October 3, renewal to December 17, cancellation datePayments were received on October 5, for $36.19, November 3, for $39.19, and December 3, for $totaling $The January automatic payment was stopped due to the cancellation and transfer of this policy to another state
Premium due for coverage of $minus $payments plus $fees assessed on the account totals a credit of $remaining on the accountThe $credit was applied to the new South Carolina policy
In regards to policy *** ***, on January 6, this policy started in South Carolina effective December 17, with premium at $143.10, maintaining the October 3rd and April 3rd renewal datesThe $premium is for coverage on this policy from December 17, to the April 3, renewal dateThe $credit applied to the policy balance
A bill generated January 12, for $due February 3, 2016, which included $plus $installment feeDue to the processing time of writing this policy, the billing account was not able to generate a bill due January 3, As the renewal dates remained the same on this policy, there are only two months left to bill the balance over in this renewal term, February and March, prior to the policy renewing in AprilThe policy balance reflects $based on the pro rated premium of $minus $The $balance divided by two months is $
We apologize for the confusion caused by the transfer of the policy from one state to anotherThe billing is correct and premium will begin billing evenly over 1/6th of the renewal premium once the policy renews in April
This letter is in response to your request for information pertaining to the above file
Our records indicate the Auto policy renewed effective April 4, as $334.80. We received notice to cancel on May 1, effective April 28, 2015. The Auto policy was cancelled
effective April 28, and a balance of $remains for coverage
The total charged for coverage from April 4, to April 28, was $80.30. A payment of $was received on April 1, 2015. There were two $service fees charged. The total charged of $plus $charged in service fees minus $total payment equals $charged for coverage provided up to the cancellation date of April 28,
Thank you for allowing me the opportunity to assist you and if you have any questions regarding the information I have provided you may contact me at #########*, Ext. *** or my email
I asked the representative multiple times am I going to have to come out of pocket for anything this includes the $that I had to come up with to make a remaining payment with the $that State Farm sent me They can argue all they want that the situation has been rectified but in fact has notI was told multiple times that I wouldn't have to come out of pocket for anything and it would be taken care of Now either it should've been just that or if the representative didn't know what he was talking about then he should've asked someone else to explain it better He also told me that the mechanic shop would cut me a check and that was in fact wrong So if the $can't be replaced then they can compensate me for not paying my insurance for two months for taking me this ordeal I would've thought that since I have been a loyal customer for almost ten years that Nationwide would take better care of their people and not take them through this stress and pain after an accident and want to resolve the issue best as possibleBut no you wanna point the finger and not own up to your mistakes What a way to be on the customer sideYou should change your slogan because it is indeed incorrect
Thank you for your recent inquiry regarding a claim that was submitted by Ms***If I do not provide the information you need for this matter, please do not hesitate to let us know.Ms*** reported a claim on November 23, for the mysterious disappearance of a scheduled ring that
occurred on or about March 28,The claim was handled by Claims Adjuster Cory S*The ring that was lost was scheduled on Ms*** policy in the amount of $3,This amount was based on an appraisal that was dated 10/20/We also received an appraisal from Ms*** during the claim investigation dated 9/27/This appraisal was not given to Nationwide prior to the claim being filedWe based our assessment on the appraisal dated on 10/20/12.We agreed to replace the ring and advised that an evaluation would be completed by a third party jeweler (***)*** completed an evaluation based on the description provided on the declarations page in the amount of $2,This amount is based on a Market Value Report plus tax and shipping*** is willing to replace the ring with a sustainably identical ring for the estimated amount of $2,Ms***’s jeweler *** Diamonds quoted a replacement estimate in the amount of $4,We had *** *** from *** contact *** Diamonds and discuss the estimate and pricing structure of the ring*** Diamonds stated that they understood the quote provided by *** but would not be willing to accommodate at ***s’s replacement cost.Ms***’s policy states the following:Conditions[…]Loss settlementCovered property losses are settled as follows:[…]COther property - the value of the property insured is not agreed upon but will be ascertained at the time of loss or damageWe will not pay more than the least of the following amounts:(1) the actual cash value of the property at the time of loss or damage;(2) the amount for which we or you could reasonably be expected to have the property repaired to its condition immediately prior to loss;(3) the amount for which we or you could reasonably be expected to replace the article with one substantially identical to the article lost or damaged; or(4) the amount of insurance.Based on the policy language and the estimate provided by *** we believe that the settlement amount that was offered and paid is reasonable and customary for the ring replacementA copy of the estimates, and settlement letters have been included for your review.I have left a voicemail and a follow up email for Ms*** to discuss the settlement conditions furtherAs of the date of this letter I have not been able to reach Ms***However, a follow up letter was mailed to her on 2/9/expelling the policy conditions.Thank you for bringing this matter to our attentionWe trust this will resolve all pending concernsIf you require further assistance, please contact our Customer Advocacy Coordinator Joey L***, at ###-###-#### or by email at [email protected],
This is in response to *** *** rejection of the Company’s March 16, resolution.The complainant is rejecting the prior response because we have not provided proof that the ***Motor Vehicle Administration was notified that the accidents were not at faultNationwide Insurance doesnot report accidents to the Motor Vehicle AdministrationThe Motor Vehicle Administration has no record ofthese accidentsThe Company does report accidents to LexisNexisThis is part of MsLewis’ CLUE report.The Company has notified LexisNexis to add a not at fault indicator to the 09/11/and 11/03/accidents.The CLUE reported previously indicated that fault was not reported or unknownLexisNexis will mail Ms.Lewis a notification once they complete the requestMsLewis should have the confirmation within twoweeks.If you require further assistance, please contact our Customer Relations Coordinator, Dawn H***, at 614-435-or by email at ***Sincerely,Shari D***
I have reviewed this claim file and would like to address Ms***’s concernsIfadditional information is required, please do not hesitate to let me know.Our insured, Erin *** reported this claim through the internet on the evening ofNovember 1, for the water damage to their home that
occurred earlier that dayTheclaim was subsequently assigned to Nationwide claims adjuster, Sarah C*** on November2, 2016, who attempted to contact Ms***, and left a message for a return callTohelp mitigate the water damages, Nationwide Insurance assigned *** *** *
***, one of Nationwide Insurance’s On Your Side Property Repair Vendors onNovember 2, who started the mitigation of cleaning and drying out Ms***’sresidenceMsC*** spoke with Ms*** on November 3, regarding the claim.At that point, Ms*** requested a hotel and boarding for their pets, as during themitigation process an antimicrobial was sprayed in the homeMsC*** approved thisAnestimate for the repairs to the home was completed by *** *** * *** onNovember 10, At this point, Mrand Ms*** decided that they did not want touse *** *** * *** for the repairs to their homeAs the damages werefairly significant, Ms*** found some additional damages that MsC*** added to theestimateThe check was issued on November 22, for $18,for the repairs to thehomeMs*** also sent in pictures, receipts, and a list of personal property that weredamagedAn estimate for these items was completed on November 16, After the personal property estimate was complete, and the revisions were made to the estimate fordamages, a check was issued to Mrand Ms*** on November 23, for $1982.70.A check was also sent to *** *** * *** for the mitigation process onNovember 23, for $6,520.70.At this time, I have spoken with Ms*** regarding payments issued for mitigation,repairs and the damage to the personal propertyOnce the repairs have been completed,Nationwide Insurance will release the recoverable depreciationMrand Ms*** areaware of the documentation that they need to send in to verify repairs have been completed.If you have any additional questions, please contact *** *** ***Angela S*** at ###-###-#### or ***Sincerely,Jared C***
Dear *** ***
Nationwide strives to provide great customer service to all of our customers. I have examined the issues stated by our member and the following response was received from independent contractor agent, *** ***, in regards to the complaint filed by *** ***. Please note that Mr*** is not an employee of Nationwide, but an independent contractor responsible for the time, place and manner in which he services Nationwide’s policyholders. The agent’s statement below is his alone, and it does not reflect Nationwide’s policies or procedures. Nationwide will be independently investigating Ms***’s complaint against Mr***
Our office spoke to this policyholder on December 1, She informed us she was the owner of the vehicle on policy # *** We wrote a spinoff policy December 2, with *** *** as the named insured and the two drivers on the policy were *** and her mother ***. The Application is in DocuVault but it is unsignedThe application was sent to her by email in December of and again in May of The policy was written correctly but sometimes when we write a spinoff policy, the named insured while in processing at Nationwide switches back to the named insured on the prior policy. While in Nationwide processing the new policy was placed back in her mother’s name. We are able to correct this but would need the signed applicationMs*** has still not signed the application to correct the named insured errorOur system reflects that on December 1, the policy was bound in *** ***’s name. I have already mentioned this to Nationwide because we have seen this error beforeNationwide is aware that this can happen when a spinoff policy is written (a spinoff policy is when a driver on a current policy is transferred to their own policy)The address on both of these policies is the same. All Declaration Pages have been sent to the *** *** addressI feel Ms*** is holding off signing the application because she wants Nationwide to pay the rental reimbursement for a rental car she had after her accident. We only need the signed application returned to us in order to place *** *** as the named Insured on the policy
Ms*** has spoken to Nationwide directly several times, the original vehicle on the prior policy and spinoff was a CadillacShe replaced that vehicle with an Audi and spoke to Nationwide directly to make that the replacement vehicleShe never had rental coverage on the prior policy *** and it was not put on the new spinoff policy ***There were never any notes or questions about rental coverage. Ms*** has received all Declaration Pages and no rental coverage is listedNo communication was made with our office after the conversation on December 1, 2014, when her spinoff policy was made effectiveMs*** has no documentation where she requested this coverage that I am aware of
If you have any additional questions, please contact me at ###-###-#### or ***
Best Regards,
*** ***
*** ***
Centralized Sales Operation and Support
I'm still apalled at how nationwide was not fully involved with further action I had to on my own reach out to different people and call the claims center to get a hold of the proper managementThey did not work along with me at all only until now in which there is new issues that are going on with my vehicle and is now at a new body shopI'm just not happy what so ever on how this was handled and to top it all my premium is going to go up in NovemberI feel the girl who was assigned to the claim was nasty and did not wanna hear me out this needs to be looked into more deeply thank you
Regards,*** ***
This letter is in response to your request for information pertaining to the above file number.Per our previous response the change referenced by Ms*** from July 9, 2015, was not made effective the renewal dateAs stated in our last two responses, “The premium on the Policy Declaration pages does not indicate the amount of charge for the change as it only reflects what the premium would have been had the change been made at the renewal date.” A Policy Declaration page is issued to show the coverage breakdown and effective date of those coverage’s.As indicated in the breakdown previously sent, the refunds were issued based on the effective date of the changeThe total premium amount charged from October 23, to the cancellation date of October 23, was $3,A total of $4,was received in paymentsAfter all changes are processed a total of $was issued in refundsThere is no further refund to be issued on the policy.We would like to respectfully ask Ms*** to contact the Department of Insurance should she choose to continue to reject our responsesThe *** Department of Insurance can be reached at ###-###-#### or she may email her concerns to ***.Thank you for allowing me the opportunity to assist you and if you have any questions regarding the information I have provided you may contact Sharon W*** at *** or via phone at ###-###-####.Sincerely,Erica D*** ***
Upon receipt of the document submitted from
the Georgia Motor Vehicle Division dated October 9, 2015, showing that the tags
for the Ford were cancelled due to the vehicle being inoperable, the
cancellation date of the member’s policy has been adjusted from November 1,
to October 9, 2015. This adjustment
resulted in a credit of $which has cleared the $collection, and has
resulted in a refund of $20.07. The
refund check will be mailed to the member within three to five business days
Also with the adjustment of the
cancellation date, Credit Collection Services has been notified who now show
Ms***’ account to be closed as of March 3, 2016, with a zero balance. No negative activity has been reported to the
Credit Bureaus by either Nationwide or Credit Collection Services regarding the
prior $balance
Nationwide's response is totally bull After going back and forth with Sharon and sending her an email after she did not respond back to voice messages I sent to her she sent out a letter stating that she was trying to get ahold of me I left her several voice messages before being able to talk to her one on one In the first contact that we made after failed attempts I told her to contact me after work hours She was supposed to call that evening and did not do that Once I received a letter from her and she provided her email I began to contact her via email After the first email of me breaking down how I felt she was being unprofessional for not returning my phone calls she contacted me on my lunch break She stated that the medical bill could be handled by her and went over a settlement amount and said that she would be providing me with settlement papers for pain and suffering which I still have not received After emailing her several times and her not reaching back to me I decided to reach her through another email address for myself and she responded and said that I needed to send medical bills to my insurance company which I have since done I asked her about settlement papers once more which she ignored and then I began emailing her again in which she has not responded They have only mailed out one letter to me and that was before we had phone contact for the first time which I explained earlier in this response She had her out of office reply on for a Oct date although it was November At this point I have passed on the bill to *** *** and am asking Nationwide to keep their word with settlement papers in which I am ready to sign, be paid and get this over with After going through this with them I looked up complaints for customer service to see if it was just the service I was being provided or if this is a company wide issue which it proved to be I have only talked to Sharon a couple of times over the phone, the first being me telling her to contact me after work hours and the 2nd when she was going over the amount for pain and suffering settlement While they want to point out how many times they have tried to reach out and was unsuccessful pull up all of the emails that I have sent to her over this past month and the several voice messages I have sent to her If I need to provide those communications I will be glad to do so If their adjuster has too many cases on her desk then they need to provide me with somebody that has time to do their job diligently At this point, the bills have been sent to my insurance and I am waiting on Nationwide to handle their business and provide me and my son with a pain and suffering payout for the negligence of their customer
This letter is in response to the concerns filed by Tanya W*** regarding the policy’s final balance A review of this policy's history confirms the accuracy of the amount of $as coverage provided from September 7, through November 25, This balance is for unpaid
coverage provided after multiple policy changes, described below On August 14, 2014, a Declarations Page was issued for the September 7, term renewalThis renewed at a premium of $which covered a *** & ***The renewal bill was issued for the amount of $to be due by September 7, Payment was received September 22, On August 27, 2014, a Declarations Page was issued for the addition of the ***This change brought the updated premium to $1,On September 8, 2014, a Declarations Page was issued for the addition of the ‘***This brought the updated term premium to $1,The next bill issued was for $due October 7, This bill included the increases for the addition of the *** and the ***This bill was paid October 27, On October 2, 2014, a Declarations Page was issued for the Comprehensive and Collision coverage being removed from the *** and the ***This change reduced the term premium to $1,On October 27, 2014, a Declarations Page was issued for the addition of *** *** This brought the term premium to $2, On October 26, 2014, it is documented MsW*** reached out to Nationwide, online, using our Contact Us team via email to explain Mr*** is listed as a driver on her insurance and shouldn’t beShe explains they are divorced but he was with her on an errand when the accident occurredMsW*** states Mr*** should not have been permanently placed on her insuranceMsW*** was informed Mr*** was added due to being a known household member and documents would be required to show he is not in the household On October 27, 2014, it is documented that MsW*** states she has had no contact with Mr*** since the accident due to the divorce and that she has "no idea how to obtain any of his information" On November 18, 2014, it is documented that MsW*** reached out to our Contact Us team again to remove the *** as well as Mr***The vehicle was removed, the driver was not as proof of residency had not been received as requestedOn November 20, 2014, MsW*** responded to the Internet Servicing representative that she cannot obtain the proof of residence from Mr*** since they are divorced On November 20, 2014, a Declarations Page was issued for the removal of the ***This put the term premium at $2,On November 24, 2014, a Declarations Page was issued for the addition of the *** & removal of Roadside Assistance (RSA) coverage from the ***, ***, & ***These changes put the updated term premium to $2, On November 25, 2014, due to no payment receive for the November bill, the policy cancelled for non-paymentUpon cancellation the account was account was credited as needed and a remaining balance of $was left over for coverage provided On December 2, 2014, a Final Payment Notice was issued showing the final balance of $due by December 21, The Notice states the bill is for coverage provided through November 25, and payments received did not completely cover the entire time the policy was insuredThe notice states "you are responsible for paying for the coverage we provided"The notice also states if payment is not made there is the possibility the amount may be reported to a collections agency and this can have a negative effect on a credit reportSince the notice was issued, there has not been any documented communications to the Service Center In review of the policy premium, it is being rated based on the rates on file with the Department of Insurance and is validDue to this, the premium will not be adjusted nor will a refund be sent as the premium is correct based on Nationwide’s rates If you require further assistance, please contact *** ***, at ###-###-#### or by email at *** Sincerely, Anthony C*** SrAnalyst
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to meI read the response, however, I don't understand why it was adjusted to $+/- due, rather than it being a $balance. I cancelled the policy before any new amounts were to be due and I didn't receive any discounts when the policy was rewritten, so there was nothing to lose when the policy was cancelled. Keep in mind, the rewrite of the policy and the lack of transparency in the process was the key reason why I decided to find insurance elsewhere that was more affordable. Therefore, I'd like it to be recorded that I'm only accepting this response due to the fact that the negative reporting is being removed, as well as the fact that Nationwide has it on record that what I was stating about the cancellation was correct and took action to minimize the balance. However, I disagree with the fact that I still owe $+/- and I wish for Nationwide to contact me or forward to me the proper contact infoso I can dispute this final amount
Regards, *** ***
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 concerns.Sincerely,*** * *** ***Nationwide Insurance###-###-####***
I appreciate Phillis H*** Customer Relations Coordinator and Jake M*** Senior Analyst for getting involved with my initial complaintI am asking them to consider waiving the $since their representative Chad agreed to have it waived in the very beginning due to discrepancies and inconvenience it has causedI am also asking that Nationwide contact their Credit Collection Services at Canton Street Norwood, Massachusetts and clean my file and contact all three credit bureaus to make sure my name is clearedI realize this is a reasonable request due to the inconsistencies
My car was not damaged until a nationwide policy holder hit my car"Pre accident condition" is not a repaired door and quarter panel being that prior to the accident I had a BRAND NEW DOOR THAT HAD NOR NEEDED ANY REPAIRS!!!! I don't understand what's the issue with this nationwide is 100% liable in this accidentMy car that I paid for that I OWN was not damaged until the accident and I understand that things happen, but the solution to this issue is to REPLACE THE PARTS OF MY CAR THAT YOUR POLICY HOLDER HIT! REPLACE NOT REPAIR! If you guys can provide me a LAW where it states that you DO NOT need to replace my parts in my vehicle then i'll gladly go get it repaired, but until then the "pre-accident condition" of my car was a BRAND NEW DOOR AND QUARTER PANEL STRAIGHT OUT OF THE DEALERSHIP. P.S There are no new damages on my car you guys are free to come inspect.
Regards, *** ***
I want to paid out for the amount that is listed on my insurance under the declaration pageI have reached out and spoken to Joe about this on Friday, he promised a call back on Monday that did not happen
I have been very honest about the cancelling of my policyI remember the exact conversation & never was it mentioned to me that day that something had to be signedI am only a few minutes awaythey asked me to send a picture (Registration) on my cell to Angie's phone, she gave me her call # & I didThen, never heard anymore after I sent the proof they requested.Last week I talked to Charity from main office & she requested the copy of the registration also that was never renewed I did fax that to her, then she said her supervisor said that they would reimburst back to March unless I show proof of me selling the car or it was not in my possession I told her then I would be lying because I told them from the first phone call I made last fall I had open heart surgery & other health issues & was not able to return to workThis meant I did not have the money to repair the car, which hasn't been on the road since spring of I am planning on getting fixed when I have the extra money. Sincerely,
*** ***
This letter is in response to the concerns filed by *** *** regarding the transfer of the policy and billing concerns
In regards to policy *** ***, the policy renewed October 3, with a premium of $The policy cancelled as a transfer to another state, effective December
17, which processed in our systems on December 31,
Nationwide charged $for coverage on this policy from October 3, renewal to December 17, cancellation datePayments were received on October 5, for $36.19, November 3, for $39.19, and December 3, for $totaling $The January automatic payment was stopped due to the cancellation and transfer of this policy to another state
Premium due for coverage of $minus $payments plus $fees assessed on the account totals a credit of $remaining on the accountThe $credit was applied to the new South Carolina policy
In regards to policy *** ***, on January 6, this policy started in South Carolina effective December 17, with premium at $143.10, maintaining the October 3rd and April 3rd renewal datesThe $premium is for coverage on this policy from December 17, to the April 3, renewal dateThe $credit applied to the policy balance
A bill generated January 12, for $due February 3, 2016, which included $plus $installment feeDue to the processing time of writing this policy, the billing account was not able to generate a bill due January 3, As the renewal dates remained the same on this policy, there are only two months left to bill the balance over in this renewal term, February and March, prior to the policy renewing in AprilThe policy balance reflects $based on the pro rated premium of $minus $The $balance divided by two months is $
We apologize for the confusion caused by the transfer of the policy from one state to anotherThe billing is correct and premium will begin billing evenly over 1/6th of the renewal premium once the policy renews in April
This letter is in response to your request for information pertaining to the above file
Our records indicate the Auto policy renewed effective April 4, as $334.80. We received notice to cancel on May 1, effective April 28, 2015. The Auto policy was cancelled
effective April 28, and a balance of $remains for coverage
The total charged for coverage from April 4, to April 28, was $80.30. A payment of $was received on April 1, 2015. There were two $service fees charged. The total charged of $plus $charged in service fees minus $total payment equals $charged for coverage provided up to the cancellation date of April 28,
Thank you for allowing me the opportunity to assist you and if you have any questions regarding the information I have provided you may contact me at #########*, Ext. *** or my email
I asked the representative multiple times am I going to have to come out of pocket for anything this includes the $that I had to come up with to make a remaining payment with the $that State Farm sent me They can argue all they want that the situation has been rectified but in fact has notI was told multiple times that I wouldn't have to come out of pocket for anything and it would be taken care of Now either it should've been just that or if the representative didn't know what he was talking about then he should've asked someone else to explain it better He also told me that the mechanic shop would cut me a check and that was in fact wrong So if the $can't be replaced then they can compensate me for not paying my insurance for two months for taking me this ordeal I would've thought that since I have been a loyal customer for almost ten years that Nationwide would take better care of their people and not take them through this stress and pain after an accident and want to resolve the issue best as possibleBut no you wanna point the finger and not own up to your mistakes What a way to be on the customer sideYou should change your slogan because it is indeed incorrect
Thank you for your recent inquiry regarding a claim that was submitted by Ms***If I do not provide the information you need for this matter, please do not hesitate to let us know.Ms*** reported a claim on November 23, for the mysterious disappearance of a scheduled ring that
*The ring that was lost was scheduled on Ms*** policy in the amount of $3,This amount was based on an appraisal that was dated 10/20/We also received an appraisal from Ms*** during the claim investigation dated 9/27/This appraisal was not given to Nationwide prior to the claim being filedWe based our assessment on the appraisal dated on 10/20/12.We agreed to replace the ring and advised that an evaluation would be completed by a third party jeweler (***)*** completed an evaluation based on the description provided on the declarations page in the amount of $2,This amount is based on a Market Value Report plus tax and shipping*** is willing to replace the ring with a sustainably identical ring for the estimated amount of $2,Ms***’s jeweler *** Diamonds quoted a replacement estimate in the amount of $4,We had *** *** from *** contact *** Diamonds and discuss the estimate and pricing structure of the ring*** Diamonds stated that they understood the quote provided by *** but would not be willing to accommodate at ***s’s replacement cost.Ms***’s policy states the following:Conditions[…]Loss settlementCovered property losses are settled as follows:[…]COther property - the value of the property insured is not agreed upon but will be ascertained at the time of loss or damageWe will not pay more than the least of the following amounts:(1) the actual cash value of the property at the time of loss or damage;(2) the amount for which we or you could reasonably be expected to have the property repaired to its condition immediately prior to loss;(3) the amount for which we or you could reasonably be expected to replace the article with one substantially identical to the article lost or damaged; or(4) the amount of insurance.Based on the policy language and the estimate provided by *** we believe that the settlement amount that was offered and paid is reasonable and customary for the ring replacementA copy of the estimates, and settlement letters have been included for your review.I have left a voicemail and a follow up email for Ms*** to discuss the settlement conditions furtherAs of the date of this letter I have not been able to reach Ms***However, a follow up letter was mailed to her on 2/9/expelling the policy conditions.Thank you for bringing this matter to our attentionWe trust this will resolve all pending concernsIf you require further assistance, please contact our Customer Advocacy Coordinator Joey L***, at ###-###-#### or by email at [email protected],
occurred on or about March 28,The claim was handled by Claims Adjuster Cory S
This is in response to *** *** rejection of the Company’s March 16, resolution.The complainant is rejecting the prior response because we have not provided proof that the ***Motor Vehicle Administration was notified that the accidents were not at faultNationwide Insurance doesnot report accidents to the Motor Vehicle AdministrationThe Motor Vehicle Administration has no record ofthese accidentsThe Company does report accidents to LexisNexisThis is part of MsLewis’ CLUE report.The Company has notified LexisNexis to add a not at fault indicator to the 09/11/and 11/03/accidents.The CLUE reported previously indicated that fault was not reported or unknownLexisNexis will mail Ms.Lewis a notification once they complete the requestMsLewis should have the confirmation within twoweeks.If you require further assistance, please contact our Customer Relations Coordinator, Dawn H***, at 614-435-or by email at ***Sincerely,Shari D***
Enclosed please find our response to your inquiry dated August 24, as it relates to your file #*** - *** *** Thank oyou
I have reviewed this claim file and would like to address Ms***’s concernsIfadditional information is required, please do not hesitate to let me know.Our insured, Erin *** reported this claim through the internet on the evening ofNovember 1, for the water damage to their home that
occurred earlier that dayTheclaim was subsequently assigned to Nationwide claims adjuster, Sarah C*** on November2, 2016, who attempted to contact Ms***, and left a message for a return callTohelp mitigate the water damages, Nationwide Insurance assigned *** *** *
***, one of Nationwide Insurance’s On Your Side Property Repair Vendors onNovember 2, who started the mitigation of cleaning and drying out Ms***’sresidenceMsC*** spoke with Ms*** on November 3, regarding the claim.At that point, Ms*** requested a hotel and boarding for their pets, as during themitigation process an antimicrobial was sprayed in the homeMsC*** approved thisAnestimate for the repairs to the home was completed by *** *** * *** onNovember 10, At this point, Mrand Ms*** decided that they did not want touse *** *** * *** for the repairs to their homeAs the damages werefairly significant, Ms*** found some additional damages that MsC*** added to theestimateThe check was issued on November 22, for $18,for the repairs to thehomeMs*** also sent in pictures, receipts, and a list of personal property that weredamagedAn estimate for these items was completed on November 16, After the personal property estimate was complete, and the revisions were made to the estimate fordamages, a check was issued to Mrand Ms*** on November 23, for $1982.70.A check was also sent to *** *** * *** for the mitigation process onNovember 23, for $6,520.70.At this time, I have spoken with Ms*** regarding payments issued for mitigation,repairs and the damage to the personal propertyOnce the repairs have been completed,Nationwide Insurance will release the recoverable depreciationMrand Ms*** areaware of the documentation that they need to send in to verify repairs have been completed.If you have any additional questions, please contact *** *** ***Angela S*** at ###-###-#### or ***Sincerely,Jared C***
Dear *** ***
Nationwide strives to provide great customer service to all of our customers. I have examined the issues stated by our member and the following response was received from independent contractor agent, *** ***, in regards to the complaint filed by *** ***. Please note that Mr*** is not an employee of Nationwide, but an independent contractor responsible for the time, place and manner in which he services Nationwide’s policyholders. The agent’s statement below is his alone, and it does not reflect Nationwide’s policies or procedures. Nationwide will be independently investigating Ms***’s complaint against Mr***
Our office spoke to this policyholder on December 1, She informed us she was the owner of the vehicle on policy # *** We wrote a spinoff policy December 2, with *** *** as the named insured and the two drivers on the policy were *** and her mother ***. The Application is in DocuVault but it is unsignedThe application was sent to her by email in December of and again in May of The policy was written correctly but sometimes when we write a spinoff policy, the named insured while in processing at Nationwide switches back to the named insured on the prior policy. While in Nationwide processing the new policy was placed back in her mother’s name. We are able to correct this but would need the signed applicationMs*** has still not signed the application to correct the named insured errorOur system reflects that on December 1, the policy was bound in *** ***’s name. I have already mentioned this to Nationwide because we have seen this error beforeNationwide is aware that this can happen when a spinoff policy is written (a spinoff policy is when a driver on a current policy is transferred to their own policy)The address on both of these policies is the same. All Declaration Pages have been sent to the *** *** addressI feel Ms*** is holding off signing the application because she wants Nationwide to pay the rental reimbursement for a rental car she had after her accident. We only need the signed application returned to us in order to place *** *** as the named Insured on the policy
Ms*** has spoken to Nationwide directly several times, the original vehicle on the prior policy and spinoff was a CadillacShe replaced that vehicle with an Audi and spoke to Nationwide directly to make that the replacement vehicleShe never had rental coverage on the prior policy *** and it was not put on the new spinoff policy ***There were never any notes or questions about rental coverage. Ms*** has received all Declaration Pages and no rental coverage is listedNo communication was made with our office after the conversation on December 1, 2014, when her spinoff policy was made effectiveMs*** has no documentation where she requested this coverage that I am aware of
If you have any additional questions, please contact me at ###-###-#### or ***
Best Regards,
*** ***
*** ***
Centralized Sales Operation and Support
I'm still apalled at how nationwide was not fully involved with further action I had to on my own reach out to different people and call the claims center to get a hold of the proper managementThey did not work along with me at all only until now in which there is new issues that are going on with my vehicle and is now at a new body shopI'm just not happy what so ever on how this was handled and to top it all my premium is going to go up in NovemberI feel the girl who was assigned to the claim was nasty and did not wanna hear me out this needs to be looked into more deeply thank you
Regards,*** ***
Thank you for reaching out to us to advise of your concerns We have provided you with specific contact information to further assist with this matter
This letter is in response to your request for information pertaining to the above file number.Per our previous response the change referenced by Ms*** from July 9, 2015, was not made effective the renewal dateAs stated in our last two responses, “The premium on the Policy Declaration pages does not indicate the amount of charge for the change as it only reflects what the premium would have been had the change been made at the renewal date.” A Policy Declaration page is issued to show the coverage breakdown and effective date of those coverage’s.As indicated in the breakdown previously sent, the refunds were issued based on the effective date of the changeThe total premium amount charged from October 23, to the cancellation date of October 23, was $3,A total of $4,was received in paymentsAfter all changes are processed a total of $was issued in refundsThere is no further refund to be issued on the policy.We would like to respectfully ask Ms*** to contact the Department of Insurance should she choose to continue to reject our responsesThe *** Department of Insurance can be reached at ###-###-#### or she may email her concerns to ***.Thank you for allowing me the opportunity to assist you and if you have any questions regarding the information I have provided you may contact Sharon W*** at *** or via phone at ###-###-####.Sincerely,Erica D*** ***
Upon receipt of the document submitted from
the Georgia Motor Vehicle Division dated October 9, 2015, showing that the tags
for the Ford were cancelled due to the vehicle being inoperable, the
cancellation date of the member’s policy has been adjusted from November 1,
to October 9, 2015. This adjustment
resulted in a credit of $which has cleared the $collection, and has
resulted in a refund of $20.07. The
refund check will be mailed to the member within three to five business days
Also with the adjustment of the
cancellation date, Credit Collection Services has been notified who now show
Ms***’ account to be closed as of March 3, 2016, with a zero balance. No negative activity has been reported to the
Credit Bureaus by either Nationwide or Credit Collection Services regarding the
prior $balance
Nationwide's response is totally bull After going back and forth with Sharon and sending her an email after she did not respond back to voice messages I sent to her she sent out a letter stating that she was trying to get ahold of me I left her several voice messages before being able to talk to her one on one In the first contact that we made after failed attempts I told her to contact me after work hours She was supposed to call that evening and did not do that Once I received a letter from her and she provided her email I began to contact her via email After the first email of me breaking down how I felt she was being unprofessional for not returning my phone calls she contacted me on my lunch break She stated that the medical bill could be handled by her and went over a settlement amount and said that she would be providing me with settlement papers for pain and suffering which I still have not received After emailing her several times and her not reaching back to me I decided to reach her through another email address for myself and she responded and said that I needed to send medical bills to my insurance company which I have since done I asked her about settlement papers once more which she ignored and then I began emailing her again in which she has not responded They have only mailed out one letter to me and that was before we had phone contact for the first time which I explained earlier in this response She had her out of office reply on for a Oct date although it was November At this point I have passed on the bill to *** *** and am asking Nationwide to keep their word with settlement papers in which I am ready to sign, be paid and get this over with After going through this with them I looked up complaints for customer service to see if it was just the service I was being provided or if this is a company wide issue which it proved to be I have only talked to Sharon a couple of times over the phone, the first being me telling her to contact me after work hours and the 2nd when she was going over the amount for pain and suffering settlement While they want to point out how many times they have tried to reach out and was unsuccessful pull up all of the emails that I have sent to her over this past month and the several voice messages I have sent to her If I need to provide those communications I will be glad to do so If their adjuster has too many cases on her desk then they need to provide me with somebody that has time to do their job diligently At this point, the bills have been sent to my insurance and I am waiting on Nationwide to handle their business and provide me and my son with a pain and suffering payout for the negligence of their customer
This letter is in response to the concerns filed by Tanya W*** regarding the policy’s final balance A review of this policy's history confirms the accuracy of the amount of $as coverage provided from September 7, through November 25, This balance is for unpaid
coverage provided after multiple policy changes, described below On August 14, 2014, a Declarations Page was issued for the September 7, term renewalThis renewed at a premium of $which covered a *** & ***The renewal bill was issued for the amount of $to be due by September 7, Payment was received September 22, On August 27, 2014, a Declarations Page was issued for the addition of the ***This change brought the updated premium to $1,On September 8, 2014, a Declarations Page was issued for the addition of the ‘***This brought the updated term premium to $1,The next bill issued was for $due October 7, This bill included the increases for the addition of the *** and the ***This bill was paid October 27, On October 2, 2014, a Declarations Page was issued for the Comprehensive and Collision coverage being removed from the *** and the ***This change reduced the term premium to $1,On October 27, 2014, a Declarations Page was issued for the addition of *** *** This brought the term premium to $2, On October 26, 2014, it is documented MsW*** reached out to Nationwide, online, using our Contact Us team via email to explain Mr*** is listed as a driver on her insurance and shouldn’t beShe explains they are divorced but he was with her on an errand when the accident occurredMsW*** states Mr*** should not have been permanently placed on her insuranceMsW*** was informed Mr*** was added due to being a known household member and documents would be required to show he is not in the household On October 27, 2014, it is documented that MsW*** states she has had no contact with Mr*** since the accident due to the divorce and that she has "no idea how to obtain any of his information" On November 18, 2014, it is documented that MsW*** reached out to our Contact Us team again to remove the *** as well as Mr***The vehicle was removed, the driver was not as proof of residency had not been received as requestedOn November 20, 2014, MsW*** responded to the Internet Servicing representative that she cannot obtain the proof of residence from Mr*** since they are divorced On November 20, 2014, a Declarations Page was issued for the removal of the ***This put the term premium at $2,On November 24, 2014, a Declarations Page was issued for the addition of the *** & removal of Roadside Assistance (RSA) coverage from the ***, ***, & ***These changes put the updated term premium to $2, On November 25, 2014, due to no payment receive for the November bill, the policy cancelled for non-paymentUpon cancellation the account was account was credited as needed and a remaining balance of $was left over for coverage provided On December 2, 2014, a Final Payment Notice was issued showing the final balance of $due by December 21, The Notice states the bill is for coverage provided through November 25, and payments received did not completely cover the entire time the policy was insuredThe notice states "you are responsible for paying for the coverage we provided"The notice also states if payment is not made there is the possibility the amount may be reported to a collections agency and this can have a negative effect on a credit reportSince the notice was issued, there has not been any documented communications to the Service Center In review of the policy premium, it is being rated based on the rates on file with the Department of Insurance and is validDue to this, the premium will not be adjusted nor will a refund be sent as the premium is correct based on Nationwide’s rates If you require further assistance, please contact *** ***, at ###-###-#### or by email at *** Sincerely, Anthony C*** SrAnalyst
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to meI read the response, however, I don't understand why it was adjusted to $+/- due, rather than it being a $balance. I cancelled the policy before any new amounts were to be due and I didn't receive any discounts when the policy was rewritten, so there was nothing to lose when the policy was cancelled. Keep in mind, the rewrite of the policy and the lack of transparency in the process was the key reason why I decided to find insurance elsewhere that was more affordable. Therefore, I'd like it to be recorded that I'm only accepting this response due to the fact that the negative reporting is being removed, as well as the fact that Nationwide has it on record that what I was stating about the cancellation was correct and took action to minimize the balance. However, I disagree with the fact that I still owe $+/- and I wish for Nationwide to contact me or forward to me the proper contact infoso I can dispute this final amount
Regards, *** ***
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 concerns.Sincerely,*** * *** ***Nationwide Insurance###-###-####***
I appreciate Phillis H*** Customer Relations Coordinator and Jake M*** Senior Analyst for getting involved with my initial complaintI am asking them to consider waiving the $since their representative Chad agreed to have it waived in the very beginning due to discrepancies and inconvenience it has causedI am also asking that Nationwide contact their Credit Collection Services at Canton Street Norwood, Massachusetts and clean my file and contact all three credit bureaus to make sure my name is clearedI realize this is a reasonable request due to the inconsistencies
My car was not damaged until a nationwide policy holder hit my car"Pre accident condition" is not a repaired door and quarter panel being that prior to the accident I had a BRAND NEW DOOR THAT HAD NOR NEEDED ANY REPAIRS!!!! I don't understand what's the issue with this nationwide is 100% liable in this accidentMy car that I paid for that I OWN was not damaged until the accident and I understand that things happen, but the solution to this issue is to REPLACE THE PARTS OF MY CAR THAT YOUR POLICY HOLDER HIT! REPLACE NOT REPAIR! If you guys can provide me a LAW where it states that you DO NOT need to replace my parts in my vehicle then i'll gladly go get it repaired, but until then the "pre-accident condition" of my car was a BRAND NEW DOOR AND QUARTER PANEL STRAIGHT OUT OF THE DEALERSHIP. P.S There are no new damages on my car you guys are free to come inspect.
Regards, *** ***
I want to paid out for the amount that is listed on my insurance under the declaration pageI have reached out and spoken to Joe about this on Friday, he promised a call back on Monday that did not happen