I understand thisHowever your staff had misinformed me of the programHad I properly been informed I would not have replaced the vehicleAs you can see the silverado is on that same path as the equinoxAll im asking for is the compensation I would have received had your staff properly informed me about the programI would have kept the vehicle and received my discountHowever, because I was misinformed I am being punished for upgrading my vehicle with you guys.
Regards, *** ***
Refuse to pay for rent and ask Today the of April at am a member of the insurance or very nice young lady come and check the bats in our rental homeI heard that we'll be one other claims to pay and is not (illegible word) was put in the same time with the other at the beginning so we pay $already The Bats are here due, the garage that was around now is all newclean but is a need to removed the bats, or we are not able to rent, also they do not agree to pay for the lost rent, and the reason we are not rented is because the insurance took so much time for take care of us, month now in taking care the bats, will be more than weeks and the man in charge he is in a job in *** so if he will not be able to come soon (illegible word) longer will be for us, not having rent, money, is very sad for old people disableWe need to be pay for the lost rent it there responsibility we loose all this time, and also not to pay for one other claimsis to abuse of old people.Thank you, *** ***
We are in receipt of your correspondence dated April 25, addressed to *** *** regarding*** ***’s concern regarding the SmartRide programI will be happy to respond to the concernsof Ms*** on her behalf.Policy *** is a semi-annual personal automobile policy
which incepted on October 1,and most recently renewed on April 1, When Mrs***’s Toyota Avalon wasadded to the policy on December 3, it was enrolled into the SmartRide programThe SmartRidedevice was installed in the vehicle on December 15, 2016.The period of time the device has to be installed is four months prior to renewal dateInMrs.***’s situation the device was installed days prior to the Janurary 6th scoring dateTheSmartRide device would have needed to be installed by October 13,2016, in order to receive discounteffective at renewal date Apil 1st,Since the device didn’t meet the time requirements,any eligiblediscount will apply to premium that renews on October 1st 2017.The SmartRide program provides personalized feedback to policyholders to help them make even saferdriver decisionsThe SmartRide device doesn’t create dangerous driving situationsMrs.***stated that she, will speed through yellow lights to prevent from getting a “hard brake penalty”Thedevice is intended to document your driving habits and positively effect the way you drive.If you require further assistance please contact, Brandon C***, at ###-###-#### or by email at***.Sincerely,Jason M***
This claim involves a reported stolen and recovered vehicle. Vehicle was inspected and an appraisal of the vehicle was conducted. The vehicle was determined to be a total loss. *** *** *** provided vehicle information CCC to complete a vehicle valuation. The
appraisal information provided to CCC was used to conduct research to determine the local market value of the vehicle. We have provided the ***’s this valuation report detailing how the value was determined. Jason *** has advised us he is unable to find a comparable vehicle. We continue to work with Mr*** to validate an appropriate value for his vehicle. These discussions are ongoing as we seek to address his concerns. Please let me know if any additional information is needed at this time regarding this matter Sincerely, Kevin V*** ***
I am satisfied with Nationwide's resolution of the dispute I said in my previous response that I was satisfied with the offer from Nationwide's claims adjustor but that the Nationwide response on the Revdex.com complaint site was not quite the same as what the adjustor had offered Since then, the adjustor has moved forward with the resolution he offered, and I am satisfied. ***
I am writing in response to the complaint you filed with the Revdex.com, regarding payments made toyour late husband's Visa credit card with Nationwide Bank.First, please allow me to once again offer my most sincere sympathy on the loss of your husbandI am terriblysorry for the
complications and frustrations that arose as the result of two payments being made to Mr***'sVisa account after his passingPrior to his passing, payments to the account had been made via automaticpayments from your joint checking account, as requested by your husbandAs the Visa credit card was held inyour husband's name, upon his passing, you were no longer responsible to make those paymentsOnce younotified Nationwide Bank of his death, and provided supporting documentation, the automatic payments shouldhave stopped immediatelyYou did contact Nationwide Bank, and provided the requested documentationpromptly.There were two payments made to the Visa account, one dated January 14, in the amount of $153.00, andone dated February 14, in the amount of $A check has been mailed to you, at the address shownabove, for a total of $317.00, representing a refund of those two payments.I am enclosing in this letteranother check in the amount of $This check wilt refund the two non-sufficientfunds fees that were charged, to your checking as the result of the two payments being pulled from the account inerror.Once againMrs***, I extend my sincere sympathy and apologiesOur Lack of prompt response to yoursituation was not at all acceptableI appreciate the opportunity to speak with you and to take what steps I can tocorrect the situation.Please feel free to reach out to me if I may be of further assistance
This letter is in response to the concerns filed by Mr*** regarding the amount owed on his Nationwide Auto policy
On May 28, 2015, the renewal for June 22, generated with a premium of $1,(attached)On June 17, 2015, Mr*** went online to Nationwide.com and removed Roadside
Assistance from his policy, as well as removing rental coverage from the Nissan MuranoThis resulted in a decrease in the renewal premium to $1,048.10, and a new declaration page was issued showing this amount (attached)Mr***’s policy was set up with document delivery preferences as e-mail, so on June 17, 2015, an e-mail was sent to inform a new declaration page was available for his review
From the change he made effective June 17, 2015, there was a prior term credit of $2.30, which reduced the balance of the policy to $On June 19, 2015, Mr*** made a payment of $1,045.80, clearing the balance for the renewal termHowever, on the same day, Mr*** went online again to change his Uninsured Motorist Bodily Injury coverageThe coverage was changed from $100,per person and $300,per incident to $250,per person and $500,per incidentThis resulted in an increase in the renewal of $6.30, plus a prior term increase of $.20, totaling an increase of $Once again, a revised declaration page was generated (attached), and on June 22, 2015, an e-mail was sent to Mr*** to advise that a new declaration page was available for his review
Nationwide does not bill anything under $10.00, so we added that amount to the renewal bill for December 22, On December 18, 2015, Mr*** called in to the Service department to request cancel of his policies effective the December 22, renewalThe Service Representative did send him the cancellation forms, but did not advise of the prior term amount on the Auto policyOn December 29, 2015, Mr*** called to make sure everything had been processed correctly, and while we had the forms on file for his cancellation request, the policies were not actually cancelledThe Service associate processed the cancellations on the spot, but once again did not inform of the prior term balanceThat should have occurred in both cases, and we sincerely apologize that it did notWe have provided feedback to the direct leaders of both associates with whom Mr*** spoke
In addition, due to the policies not being processed for cancellation when we originally received the forms, it resulted in a late fee of $10.00, taking the balance to $On January 4, 2016, we mailed the final bill for $(attached)
After review of the case, we have waived the late fee as Mr*** requested cancellation prior to his bill being dueThat leaves a balance of $for the increase in the Uninsured Motorist Bodily Injury from June 19, through December 22, Due to the error of our Service associates not informing of this balance at the time of cancellation, we are waiving the remaining $
This response to the above referenced file should serve to respond to the concerns raised by our policyholder, *** ***, as well as the ***a Bureau of InsuranceThe chronology of events involves separate claims (*** & ***) filed and exposures identified under Mrs
*** auto policy (Comprehensive-Other than Collision, Roadside Assistance and Trip Interruption)The vehicle involved in the loss is a Dodge Ram and the date of the loss is listed as 4/16/There are towing invoices for this same loss submitted for 4/27/as well.The facts surrounding this disablement are as followsThe policyholder vehicle was overheating while traveling along highway I-The policyholder contacted Nationwide Insurance for Roadside Assistance and was transferred to our transportation partner, Agero, for handlingNationwide does not have access to the phone recordings as requested by the Bureau of Insurance and Mrs***The supervisor with Agero who handled the escalation on the date of loss as requested by Mrs*** reviewed the calls made to Agero and have sent their timeline for this event, attached as an enclosure pdf.Mrs*** states that she was told a police officer was to be contacted and remain stationed on the scene for the duration of her disablementUpon review of the file handling, Agero and agent contacts it has been determined that contacting law enforcement was a suggestion by Agero as the policyholder expressed concerns over being disabled on a highway with elderly passengersThe option was extended to the Mrs*** out of safety concerns that she raisedIt would not be considered a practice to mandate police presence on a roadside assistance lossIt should be noted that Mrs*** was ultimately the person who contacted and requested police involvement.The timeline and location of tow vendors is based on Agero attempt at locating the nearest service provider, which can be a towing partner of Agero or independent service providerAt the request of Mrs*** a Quad cab towing truck was requested with the capability to move herself and all passengers in her vehicle along with the towDue to the accessibility and location of the disablement a vendor search began in earnestAgero did locate a vendor with the appropriate vehicle available and notified the policyholder which canceled her service request at that timeMrs*** canceled this service as she was upset with the estimated time of arrival provided by the vendor located.The resolution requested by the Mrs*** will be addressed in separate responsesTowing Costs: Mrs*** submitted a towing & mechanics invoice on the Dodge totaling $Only $of that amount was directly related to towing/roadside assistanceThe amount for $was reviewed and payment issued to Mrs*** under claim *** That payment has been cleared/cashed at this timeTrip Interruption: Under claim *** the handling adjuster advised Mrs*** that reasonable commercial transportation costs can be reimbursed when you are further than miles from your primary residence or destinationThis is covered under her roadside assistance endorsementIn order to process her claim for $the adjuster asked for provider information and or an invoice be faxed/emailed/mailed/taken to the policyholders agent for reviewMrs*** has not complied with this requestPayment for Sold Vehicle: Mrs*** presented the following facts of loss, she was traveling on a highway and noticed her vehicle overheating, she continued operating the vehicle out of concern that if she stopped vehicle it would not start back upThe vehicles engine eventually shut off due to overheating and Mrs*** pulled off the highwayDuring her request for roadside assistance she restarted and attempted to move the vehicle further down the highway, the vehicle overheated and shut off againAt no time was Mrs*** advised by Nationwide or Agero to attempt to move or operate the vehicle any furtherMrs*** presented a claim under her comprehensive/other than collision coverage for the damage to her engine from overheatingThat portion of claim *** was respectfully denied as her policy contains the following exclusion: Part A-Coverage for Damage to your auto: Exclusions: We will not pay for damage due and confined to: aWear and Tear; cMechanical or Electrical breakdown or failure.At this time Nationwide views the of the incidents above as investigated, reviewed and closed in good faithThe 3rd exposure for the trip interruption can be addressed upon the receipt of documentation supporting the commercial transportation utilized by the policyholder.If you require further assistance, please contact our *** *** ***r, Tim S***, at ###-###-#### or by email at ***Sincerely,Tim D S***
*** Thank you for the opportunity to respond to our customer’s inquiry Ms*** claim was received by Nationwide and assigned to *** *** Suzanne H***, on February 15, 2018. Ms*** vehicle was inspected by Suzanne on February 21,
2018. At that time, an estimate was written for all damages to Ms*** vehicle, but after further review, it was determined some of those damages were already paid for under previous claims but the damages had not yet been repaired (Nationwide claim numbers *** *** and ***) At the time of Suzanne’s inspection, she questioned some of the reported damages based on the facts of loss. Based on Suzanne’s inspection, she referred the claim to our Special Investigations Unit for further investigation. Suzanne and the special investigator met with Ms*** at her shop of choice on February 22, 2018. All damages on the vehicle were reviewed with Ms***. The unrelated damages paid under the prior claims mentioned above were confirmed by Ms*** and removed from the estimate at that time Ms*** is claiming damage to her rear bumper and rear axle to this loss. We have not been able to validate these damages. Ms*** had her vehicle towed to *** Chevrolet to see if the rear end damages were related to this accident. Ben Harris at *** Chevrolet has confirmed to Nationwide that he can not relate the rear axle damages to a collisionHe stated the damages are more consistent with the tires being spun continuously versus an impact. Therefore, those damages to Ms*** vehicle have been denied as a part of this claim. We have allowed for the new damages to the driver’s side of the vehicle that are consistent with a collision. We did not allow for the damages to the wheel and axle as those damages appear to be wear and tear. Ms*** is welcome to file another collision claim for the damage to her rear bumper Ms*** states she attached a police report to this inquiry, but one was not submittedWe have not been able to locate a police report, and Ms*** stated to Nationwide she did not call the police, and she drove the vehicle from the scene of the accidentIf there is a police report, we will be happy to review it If you have any further questions, please contact me at ###-###-####. Sincerely, Paul G*** ***
From: Date: Thu, Sep 24, at 7:AMSubject: Complaint #10808985To: [email protected]: Catherine McLaughlin MsMcLauglin, I've attached our response. This material is intended for the use of the individual or entity to
which it is addressed and may contain information that is privileged, proprietary, confidential and exempt from disclosure If you are not the intended recipient or the person responsible for delivering the material to the intended recipient, you are notified that any dissemination, distributions or copying of this communication is strictly prohibited If you have received this communication in error, please notify the sender immediately by telephone (collect, if required) and destroy this material accordingly
Thank you for the opportunity to respond to the RevDex.com regarding policy number for Mr*** *** and to
address his concerns about the policy. On 09/14/2015, Mr*** purchased a six month insurance
policy from the National Consumers United LLC
with a bill plan of 25% down and
installmentsMr*** requested to have his spouse, *** *** excluded
from the policyA signed exclusion form is required.
On 09/15/2015, a memo was mailed to Mr*** requesting a
signed exclusion form for *** ***The memo stated that if the exclusion
form was not received, the policy would be cancelled.
On 10/23/2015, no exclusion form was received and the policy
was set to cancel effective 11/27/A Cancellation Notice was mailed to Mr
***.
On 11/27/2015, no exclusion form was received and the policy
cancelled per the 10/23/notice.
I trust that I have addressed the issues within Mr***’s
complaint.
If you
require further assistance in this matter, please contact our Customer
Relations Coordinator, Charity W***, *** *** ***, or by email at ***@nationwide.com.
Sincerely,
We are in receipt of your correspondence May 3, addressed to *** ***, regarding *** ***s concern of his increased monthly installmentI will be happy to respond to the concerns of Mr***’ on her behalf.Policy *** is a semi-annual personal auto policy which
incepted December 18, and was cancelled effective May 2, per a received written request from Mr***Please note that the auto policy was being billed under billing account number *** with policy *** *** an annual renters policy.On February 5, 2016, the Underwriter cancelled the policy effective February 22, because not all household drivers were listed on the policyOn February 9, the cancellation was reversedThe automatic payment scheduled for February 18, was reduced to $to only pay for the renter policy since the auto policy cancellation was processed.On February 19, 2016, Mr*** spoke with a Customer Service Representative (CSR)The CSR advised the automatic payment on March 18, would be a two months installment for the auto policyAn exact amount for the March 18, payment or the payments going forward were not provided by the CSR.On February 23, a billing statement issued for $This amount was calculated based on the auto policy premium balance of $being divided into three installments, plus the $monthly installment for policy *** ***An automatic payment for $was received on March 21, 2016.On March 25, 2016, a billing statement issued for $This amount was calculated based on the auto policy premium balance of $being divided into two installments, plus the $monthly installment for policy *** ***An automatic payment for $was received on April 19, 2016.As of May 9, 2016, there have not been any payments returned to NationwideIf Mr*** is able to provide a copy of a bank statement showing the Nationwide payment caused an overdraft fee to be accessed to his checking account, the overdraft fee is able to be reimbursedThe bank statement will need to show a running balance from the day before to the day after the payment was madeThe reimbursement of the overdraft fee is able to be offered because the CSR did not provide a dollar amount for the future payments.The auto policy premium is not able to be waived because a correct billing statement was issued based on the policy balance.If you require further assistance, please contact our *** *** ***, Sharon W***, at ###-###-#### or by email at ***.Sincerely,Jake M*** ***###-###-####
Thank you for your recent inquiry regarding a complaint you received from Mr*** ***I have reviewed and would like to address his concerns.The concern regarding communications with service centerOn August 10, 2015, Mr*** called into the Service Center asking for ways to save on his
insurance policyThe policy insured a Mitsubishi, Toyota, and a ToyotaMr*** noted that he was out of the country and not driving two of the three vehiclesDuring this call Mr*** was advised that liability coverage on the and could be removed, leaving comprehensive coverage onlyThis change was made to the policy effective August 10, 2015, per Mr***’s approval; and caused a decrease in premium in the amount of $(please see declaration page attached).On December 3, 2015, Mr*** emailed our Internet Processing team via Nationwide.com requesting that the liability coverage plus collision coverage be added back to only the Toyota effective December 8, This policy change was completed and made effective December 8, Nationwide notified the Georgia Department of Motor Vehicles (DMV) electronically this day to advise coverage was added back effective December 8, This change caused an increase in premium in the amount of $(please see declaration page attached, proof of electronic filing, and email communication from December 3, 2015).On December 8, 2015, our Internet Processing team received an email from Mr***, stating he is coming back to the United States in two days, December 10, 2015, and wanted to see if he had coverage on his policy that would cover charging a dead batteryThe Contact Us department replied advising the policy has Roadside Assistance and service for a dead battery would be covered (please see attached email communication from December 8, 2015).On December 10, 2015, Mr*** called into the Service Center and spoke to Member Care Representative (MCR), Melissa, he explained that he received two $fines from the Georgia DMV for removing his liability coverage on the two vehiclesHe stated that he just arrived back in the United States on December 9, and received the DMV notice at that timeMr*** also stated that he was not able to drive the vehicles because the coverage was not added backMelissa advised that the coverage was already added back to the Toyota, and that his August 10, 2015, phone call would need to be reviewed to determine if there was a Nationwide error in order to reimburse him for his DMV finesMr*** then requested that liability coverage be added back to the Mitsubishi so he could drive it that dayLiability coverage was added back to the Mitsubishi effective December 10, Nationwide notified the Georgia DMV on December 10, 2015, that the coverage was added back effective December 10, This change caused an increase in premium of $(please see declaration page attached and proof of electronic filing).On December 14, 2015, MCR Melissa called Mr*** and explained that she called the Georgia DMV and was advised that the suspension case was closed as the state had received electronic proof of insurance on December 8, and December 10, from NationwideMelissa also explained to Mr*** that she was waiting to hear back about the phone call being reviewed in order to potentially assist with reimbursing for the DMV fines.On December 17, 2015, Melissa received approval from a servicing supervisor to reimburse the DMV fines after the August 10, call was reviewedIt was determined that the MCR during that call did not advise Mr*** of the requirement to contact the DMV prior to removing liability coverageDue to this information not being provided, Nationwide reimbursed Mr*** for both of his $fines plus interestThe total amount refunded was $Mr*** also requested that Nationwide reimburse $for taxi service he employed while unable to drive the vehiclesWe requested receipts for the taxi service in order to review for further reimbursement, to date these have not been received.The concern regarding rental/ reimbursementMr***’s initial complaint filed with our Office of Customer Advocacy was forwarded to a senior analyst in member services to research and resolve on December 18, He was requesting to be paid for what it would have cost to have two rental vehicles provided to him during the time the vehicles were not drivableDue to how Nationwide is filed with the Department of Insurance in Georgia, a rental car could not be offeredHowever, Nationwide does review situations to provide reimbursement for expenses incurred by member’s that correspond with an issue caused by misinformation provided by NationwideI provided a resolution to Mr*** on December 22, 2015, advising that due to the issues he experienced with the DMV, Nationwide would be able to reimburse for out of pocket expenses with documented proof of claimed expensesAt this time Mr*** declined to provide receipts for review for reimbursement of alternative methods of transportation expenses.Mr***’s liability issue with the DVM for the Toyota was cleared on December 8, 2015, and the Mitsubishi was cleared on December 10, Mr*** advised Nationwide that he had issues with the DMV on December 10, During the December 10th phone call, the MCR advised that we were adding coverages that day for the one vehicle and the other vehicle had been corrected two days priorAs Mr*** was advised the liability was corrected on December 10, 2015, (and confirmed again on December 14th) Nationwide would not provide reimbursement for any dates after December 10, 2015, because both vehicles were corrected with the DMV.Nationwide does not provide compensation for time spent correcting issuesHowever, we apologize that this unfortunate situation occurred for Mr*** with the DMV, and have taken appropriate measure to prevent this from happening again in the future.The concern regarding premium increase/ backdating coverageThe monthly premium of $was applied during the policy term of May 21, thru November 21, The monthly premium of $was applied during his current policy term of November 21, thru May 21, The increase in premium was due to the following:• The application of a June 13, 2015, approved rate increase with the State of Georgia• The addition of coverage to the Toyota and Mitsubishi Eclipse in December of 2015Mr*** requested we backdate the addition of coverage on both the Toyota and the Mitsubishi Eclipse to August 10, We would be willing to make that change, however, Mr*** would need to pay the adjustment in premiumIn the event he does not want to pay for backdating coverages to both vehicles, a letter of experience can be provided indicating there was no lapse in coverage due to our company error in removing the coverage.Please advise Mr*** to contact Nationwide at ###-###-####, by February 1, 2016, if he would like coverage to be backdated or have a letter of experience created.Thank you for bringing this matter to our attentionAs I mentioned above, we have taken further action on Mr***’s concernsSpecifically, we have refunded for the fines assessedAdditionally, we are willing to reimburse for out of pocket expenses with documented proof, and backdate coverage or create a letter of experience per Mr***’s preference.We hope this will resolve all pending concernsHowever, if you should have any questions or wish to discuss the matter further, please feel free to contact Customer Relations Coordinator Debra C*** at ###-###-#### or ***.Sincerely,Thomas KG*** ***
After receiving and reviewing the response from Nationwide I dispute their claim in that they failed to offer any proof to support their accusations.I offered my signed and dated contract which clearly states my monthly payment amount as well as my bank statementsI immediately called Nationwide Ins(I would request they turn over the recorded conversation from my call to their office.) Where the rep clearly stated that she would put the form in the mail and all I had to do is sign itNo form was ever recieved and subsequently in Jan my Ins premium doubledThe only reason I changed my ins coverage was because my rate went up so I went online for a cheaper quote in that I live on SSso I am on a budget and I got stuck with a bunch of crooks who not only stole my money but ruined my credit.They say they mailed them (just like the old saying) check is in the mail and I say I responded by call themThis proof is in their recorded conversation, where they clearly state all conversations are recorded to protect your rights.(Request a supeona for tape)I've offered proof by contract agreement as well as bank statements and from their response by the Suzana K***, Rep for Nationwide, she should do her job a little better and check all the records and not just the one's they stick in a file.Sorry about all the sarcasmNo offense meant and I thank you very much for your assistance in this matter.Respectfully submitted*** ***
2/16/2017*** *** *** ** *** ***
*** *** **
*** ** ***
***
*** *** ***
*** *** ** ***
Ms***,Thank you for the opportunity to respond to our customer’s inquiry.Mr***’s claim was received by
Nationwide and assigned to Claims Associate, *** ***, on December 16, Mr***’s vehicle was inspected by *** on December 21, At that time, an estimate was written for the fair and reasonable cost of repairs to Mr***’s vehicleIn November of 2016, *** was notified that Mr***’s vehicle was at his shop of choice, *** *** reinspected Mr***’s vehicle on November 8, 2016, and wrote an estimate for supplemental damages.There were differences in ***’s estimate and the estimate provided by Mr***’s shop of choiceAccordingly, by letter dated November 8, 2016, *** advised Mr*** that Nationwide would only be responsible for fair and reasonable expenses*** further stated that, “Any work you commission or authorize that would be unreasonable, unnecessary, or damages that exceed this appraisal amount may become your responsibility.” *** later wrote a final supplemental estimate for the vehicle’s repairs on December 2, 2016.On January 26, 2017, Mr*** invoked the appraisal clause under his Nationwide policy due to the differences in Nationwide’s estimate and *** ***’s estimateAt that time, Nationwide hired an independent appraiser who wrote an appraisal for $higher than Nationwide’s estimateThis additional amount was offered to Mr*** on January 31, 2017, and we have not yet received a response from him.If you have any further questions, please contact me at ###-###-####.Sincerely,*** ***
*** *** *** *** ***
*** *** ***
We are in receipt of your communication dated February 12, Thank you for the opportunity to respond.*** *** is provided coverage under policy number *** for the policy period 4/1/to 4/1/2018, a standard ISO trucking form written with a $900k self-insured retention limit
Until the retention limit is exhausted, all claims are handled directly by *** *** or their third-party administrator, *** *** Claims Service.Upon receiving this notice, an investigation was undertaken on our part to identify who, in fact, had the claim in questions*** *** of *** *** Claims Service, claim number ***, telephone ###-###-####.*** *** Claims Service has completed their investigation and denied the claim to Mr***The insured driver denies being involved, as the police report states, and the narrative of the police report does not correspond to diagram provided on that reportThis is a word vs word liability case.We are sorry Mr*** is unhappy with the liability decision on his claimWe hope the above explanation brings him a better understanding of how we came to our decision.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, Patty G*** at ###-###-#### or via email at ***@nationwide.com.Thank you.Very Truly yours,Luke L***Claims ManagerE&S/Specialty
it does not make sense
Are you implying that we still owe this debt? If so, why have we not received anything further in months We are nationwide insured (for years), even my representative, Eric McHugh said he was unaware of this debt when we contact him Our homeowners and auto is directly debited from our account, how could we not be made aware of this? Surely this is an oversight??? How could they let this be unaddressed for months and still consider us "valued" customers
Regards,
*** ***
The policy has already been cancelled as I sent back the e-signature. There really needs to be better advisement as per the policy rates in this kind of situation because it wastes time and money. I've since found another insurance company, and it was a lot more work than what was needed. It doesn't help instilling much trust when you have to buy it to see what's in it and the rest just doesn't make any sense
Regards,
*** ***
As indicated in my original complaint, I am not contesting the amount owed or the validity of the debt What I am contesting is the fact that this company utilizes unethical billing practices and in doing so, caused damage to my credit unnecessarily As you can see in the amended final bill attached by Nationwide, they state that they will turn you in to a collection agency for non-payment This is not the correct course of action after sending a customer only one bill, especially when the customer had no reason to believe they owed anything and had no reason to expect a paper bill I was on auto-draft payments and any reasonable person would assume that a vehicle added in April would have been deducted by the time the policy ended in June Additionally, in trying to be a prudent person, I asked the agent who changed my policy if I owed any remaining balance on my old policy JUST to double-check and be sure, and was told that I did would have no remaining balance owed Therefore, I was not expecting a paper bill from Nationwide and overlooked in the mail the ONLY bill I received from them, which is the amended final bill attached in Nationwide's prior response I later found out I had been turned in to a collection agency for not paying a bill that I didn't know EXISTEDNationwide never tried to follow up with an additional mailing, phone call, or email to ensure I received the bill, even though they have all of my information and are more than capable of reaching me, as evidenced by their agent calling me several times before just to see if I was happy with my policy I have paid the amount I owed and want Nationwide to remove the debt account from the collection agency and from Transunion and any other credit bureau it went to
I understand thisHowever your staff had misinformed me of the programHad I properly been informed I would not have replaced the vehicleAs you can see the silverado is on that same path as the equinoxAll im asking for is the compensation I would have received had your staff properly informed me about the programI would have kept the vehicle and received my discountHowever, because I was misinformed I am being punished for upgrading my vehicle with you guys.
Regards, *** ***
Refuse to pay for rent and ask Today the of April at am a member of the insurance or very nice young lady come and check the bats in our rental homeI heard that we'll be one other claims to pay and is not (illegible word) was put in the same time with the other at the beginning so we pay $already The Bats are here due, the garage that was around now is all newclean but is a need to removed the bats, or we are not able to rent, also they do not agree to pay for the lost rent, and the reason we are not rented is because the insurance took so much time for take care of us, month now in taking care the bats, will be more than weeks and the man in charge he is in a job in *** so if he will not be able to come soon (illegible word) longer will be for us, not having rent, money, is very sad for old people disableWe need to be pay for the lost rent it there responsibility we loose all this time, and also not to pay for one other claimsis to abuse of old people.Thank you, *** ***
We are in receipt of your correspondence dated April 25, addressed to *** *** regarding*** ***’s concern regarding the SmartRide programI will be happy to respond to the concernsof Ms*** on her behalf.Policy *** is a semi-annual personal automobile policy
which incepted on October 1,and most recently renewed on April 1, When Mrs***’s Toyota Avalon wasadded to the policy on December 3, it was enrolled into the SmartRide programThe SmartRidedevice was installed in the vehicle on December 15, 2016.The period of time the device has to be installed is four months prior to renewal dateInMrs.***’s situation the device was installed days prior to the Janurary 6th scoring dateTheSmartRide device would have needed to be installed by October 13,2016, in order to receive discounteffective at renewal date Apil 1st,Since the device didn’t meet the time requirements,any eligiblediscount will apply to premium that renews on October 1st 2017.The SmartRide program provides personalized feedback to policyholders to help them make even saferdriver decisionsThe SmartRide device doesn’t create dangerous driving situationsMrs.***stated that she, will speed through yellow lights to prevent from getting a “hard brake penalty”Thedevice is intended to document your driving habits and positively effect the way you drive.If you require further assistance please contact, Brandon C***, at ###-###-#### or by email at***.Sincerely,Jason M***
This claim involves a reported stolen and recovered vehicle. Vehicle was inspected and an appraisal of the vehicle was conducted. The vehicle was determined to be a total loss. *** *** *** provided vehicle information CCC to complete a vehicle valuation. The
appraisal information provided to CCC was used to conduct research to determine the local market value of the vehicle. We have provided the ***’s this valuation report detailing how the value was determined. Jason *** has advised us he is unable to find a comparable vehicle. We continue to work with Mr*** to validate an appropriate value for his vehicle. These discussions are ongoing as we seek to address his concerns. Please let me know if any additional information is needed at this time regarding this matter Sincerely, Kevin V*** ***
I am satisfied with Nationwide's resolution of the dispute I said in my previous response that I was satisfied with the offer from Nationwide's claims adjustor but that the Nationwide response on the Revdex.com complaint site was not quite the same as what the adjustor had offered Since then, the adjustor has moved forward with the resolution he offered, and I am satisfied. ***
I am writing in response to the complaint you filed with the Revdex.com, regarding payments made toyour late husband's Visa credit card with Nationwide Bank.First, please allow me to once again offer my most sincere sympathy on the loss of your husbandI am terriblysorry for the
complications and frustrations that arose as the result of two payments being made to Mr***'sVisa account after his passingPrior to his passing, payments to the account had been made via automaticpayments from your joint checking account, as requested by your husbandAs the Visa credit card was held inyour husband's name, upon his passing, you were no longer responsible to make those paymentsOnce younotified Nationwide Bank of his death, and provided supporting documentation, the automatic payments shouldhave stopped immediatelyYou did contact Nationwide Bank, and provided the requested documentationpromptly.There were two payments made to the Visa account, one dated January 14, in the amount of $153.00, andone dated February 14, in the amount of $A check has been mailed to you, at the address shownabove, for a total of $317.00, representing a refund of those two payments.I am enclosing in this letteranother check in the amount of $This check wilt refund the two non-sufficientfunds fees that were charged, to your checking as the result of the two payments being pulled from the account inerror.Once againMrs***, I extend my sincere sympathy and apologiesOur Lack of prompt response to yoursituation was not at all acceptableI appreciate the opportunity to speak with you and to take what steps I can tocorrect the situation.Please feel free to reach out to me if I may be of further assistance
This letter is in response to the concerns filed by Mr*** regarding the amount owed on his Nationwide Auto policy
On May 28, 2015, the renewal for June 22, generated with a premium of $1,(attached)On June 17, 2015, Mr*** went online to Nationwide.com and removed Roadside
Assistance from his policy, as well as removing rental coverage from the Nissan MuranoThis resulted in a decrease in the renewal premium to $1,048.10, and a new declaration page was issued showing this amount (attached)Mr***’s policy was set up with document delivery preferences as e-mail, so on June 17, 2015, an e-mail was sent to inform a new declaration page was available for his review
From the change he made effective June 17, 2015, there was a prior term credit of $2.30, which reduced the balance of the policy to $On June 19, 2015, Mr*** made a payment of $1,045.80, clearing the balance for the renewal termHowever, on the same day, Mr*** went online again to change his Uninsured Motorist Bodily Injury coverageThe coverage was changed from $100,per person and $300,per incident to $250,per person and $500,per incidentThis resulted in an increase in the renewal of $6.30, plus a prior term increase of $.20, totaling an increase of $Once again, a revised declaration page was generated (attached), and on June 22, 2015, an e-mail was sent to Mr*** to advise that a new declaration page was available for his review
Nationwide does not bill anything under $10.00, so we added that amount to the renewal bill for December 22, On December 18, 2015, Mr*** called in to the Service department to request cancel of his policies effective the December 22, renewalThe Service Representative did send him the cancellation forms, but did not advise of the prior term amount on the Auto policyOn December 29, 2015, Mr*** called to make sure everything had been processed correctly, and while we had the forms on file for his cancellation request, the policies were not actually cancelledThe Service associate processed the cancellations on the spot, but once again did not inform of the prior term balanceThat should have occurred in both cases, and we sincerely apologize that it did notWe have provided feedback to the direct leaders of both associates with whom Mr*** spoke
In addition, due to the policies not being processed for cancellation when we originally received the forms, it resulted in a late fee of $10.00, taking the balance to $On January 4, 2016, we mailed the final bill for $(attached)
After review of the case, we have waived the late fee as Mr*** requested cancellation prior to his bill being dueThat leaves a balance of $for the increase in the Uninsured Motorist Bodily Injury from June 19, through December 22, Due to the error of our Service associates not informing of this balance at the time of cancellation, we are waiving the remaining $
This response to the above referenced file should serve to respond to the concerns raised by our policyholder, *** ***, as well as the ***a Bureau of InsuranceThe chronology of events involves separate claims (*** & ***) filed and exposures identified under Mrs
*** auto policy (Comprehensive-Other than Collision, Roadside Assistance and Trip Interruption)The vehicle involved in the loss is a Dodge Ram and the date of the loss is listed as 4/16/There are towing invoices for this same loss submitted for 4/27/as well.The facts surrounding this disablement are as followsThe policyholder vehicle was overheating while traveling along highway I-The policyholder contacted Nationwide Insurance for Roadside Assistance and was transferred to our transportation partner, Agero, for handlingNationwide does not have access to the phone recordings as requested by the Bureau of Insurance and Mrs***The supervisor with Agero who handled the escalation on the date of loss as requested by Mrs*** reviewed the calls made to Agero and have sent their timeline for this event, attached as an enclosure pdf.Mrs*** states that she was told a police officer was to be contacted and remain stationed on the scene for the duration of her disablementUpon review of the file handling, Agero and agent contacts it has been determined that contacting law enforcement was a suggestion by Agero as the policyholder expressed concerns over being disabled on a highway with elderly passengersThe option was extended to the Mrs*** out of safety concerns that she raisedIt would not be considered a practice to mandate police presence on a roadside assistance lossIt should be noted that Mrs*** was ultimately the person who contacted and requested police involvement.The timeline and location of tow vendors is based on Agero attempt at locating the nearest service provider, which can be a towing partner of Agero or independent service providerAt the request of Mrs*** a Quad cab towing truck was requested with the capability to move herself and all passengers in her vehicle along with the towDue to the accessibility and location of the disablement a vendor search began in earnestAgero did locate a vendor with the appropriate vehicle available and notified the policyholder which canceled her service request at that timeMrs*** canceled this service as she was upset with the estimated time of arrival provided by the vendor located.The resolution requested by the Mrs*** will be addressed in separate responsesTowing Costs: Mrs*** submitted a towing & mechanics invoice on the Dodge totaling $Only $of that amount was directly related to towing/roadside assistanceThe amount for $was reviewed and payment issued to Mrs*** under claim *** That payment has been cleared/cashed at this timeTrip Interruption: Under claim *** the handling adjuster advised Mrs*** that reasonable commercial transportation costs can be reimbursed when you are further than miles from your primary residence or destinationThis is covered under her roadside assistance endorsementIn order to process her claim for $the adjuster asked for provider information and or an invoice be faxed/emailed/mailed/taken to the policyholders agent for reviewMrs*** has not complied with this requestPayment for Sold Vehicle: Mrs*** presented the following facts of loss, she was traveling on a highway and noticed her vehicle overheating, she continued operating the vehicle out of concern that if she stopped vehicle it would not start back upThe vehicles engine eventually shut off due to overheating and Mrs*** pulled off the highwayDuring her request for roadside assistance she restarted and attempted to move the vehicle further down the highway, the vehicle overheated and shut off againAt no time was Mrs*** advised by Nationwide or Agero to attempt to move or operate the vehicle any furtherMrs*** presented a claim under her comprehensive/other than collision coverage for the damage to her engine from overheatingThat portion of claim *** was respectfully denied as her policy contains the following exclusion: Part A-Coverage for Damage to your auto: Exclusions: We will not pay for damage due and confined to: aWear and Tear; cMechanical or Electrical breakdown or failure.At this time Nationwide views the of the incidents above as investigated, reviewed and closed in good faithThe 3rd exposure for the trip interruption can be addressed upon the receipt of documentation supporting the commercial transportation utilized by the policyholder.If you require further assistance, please contact our *** *** ***r, Tim S***, at ###-###-#### or by email at ***Sincerely,Tim D S***
*** Thank you for the opportunity to respond to our customer’s inquiry Ms*** claim was received by Nationwide and assigned to *** *** Suzanne H***, on February 15, 2018. Ms*** vehicle was inspected by Suzanne on February 21,
2018. At that time, an estimate was written for all damages to Ms*** vehicle, but after further review, it was determined some of those damages were already paid for under previous claims but the damages had not yet been repaired (Nationwide claim numbers *** *** and ***) At the time of Suzanne’s inspection, she questioned some of the reported damages based on the facts of loss. Based on Suzanne’s inspection, she referred the claim to our Special Investigations Unit for further investigation. Suzanne and the special investigator met with Ms*** at her shop of choice on February 22, 2018. All damages on the vehicle were reviewed with Ms***. The unrelated damages paid under the prior claims mentioned above were confirmed by Ms*** and removed from the estimate at that time Ms*** is claiming damage to her rear bumper and rear axle to this loss. We have not been able to validate these damages. Ms*** had her vehicle towed to *** Chevrolet to see if the rear end damages were related to this accident. Ben Harris at *** Chevrolet has confirmed to Nationwide that he can not relate the rear axle damages to a collisionHe stated the damages are more consistent with the tires being spun continuously versus an impact. Therefore, those damages to Ms*** vehicle have been denied as a part of this claim. We have allowed for the new damages to the driver’s side of the vehicle that are consistent with a collision. We did not allow for the damages to the wheel and axle as those damages appear to be wear and tear. Ms*** is welcome to file another collision claim for the damage to her rear bumper Ms*** states she attached a police report to this inquiry, but one was not submittedWe have not been able to locate a police report, and Ms*** stated to Nationwide she did not call the police, and she drove the vehicle from the scene of the accidentIf there is a police report, we will be happy to review it If you have any further questions, please contact me at ###-###-####. Sincerely, Paul G*** ***
From: Date: Thu, Sep 24, at 7:AMSubject: Complaint #10808985To: [email protected]: Catherine McLaughlin MsMcLauglin, I've attached our response. This material is intended for the use of the individual or entity to
which it is addressed and may contain information that is privileged, proprietary, confidential and exempt from disclosure If you are not the intended recipient or the person responsible for delivering the material to the intended recipient, you are notified that any dissemination, distributions or copying of this communication is strictly prohibited If you have received this communication in error, please notify the sender immediately by telephone (collect, if required) and destroy this material accordingly
Thank you for the opportunity to respond to the RevDex.com regarding policy number for Mr*** *** and to
address his concerns about the policy. On 09/14/2015, Mr*** purchased a six month insurance
policy from the National Consumers United LLC
with a bill plan of 25% down and
installmentsMr*** requested to have his spouse, *** *** excluded
from the policyA signed exclusion form is required.
On 09/15/2015, a memo was mailed to Mr*** requesting a
signed exclusion form for *** ***The memo stated that if the exclusion
form was not received, the policy would be cancelled.
On 10/23/2015, no exclusion form was received and the policy
was set to cancel effective 11/27/A Cancellation Notice was mailed to Mr
***.
On 11/27/2015, no exclusion form was received and the policy
cancelled per the 10/23/notice.
I trust that I have addressed the issues within Mr***’s
complaint.
If you
require further assistance in this matter, please contact our Customer
Relations Coordinator, Charity W***, *** *** ***, or by email at ***@nationwide.com.
Sincerely,
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
Breean B***
We are in receipt of your correspondence May 3, addressed to *** ***, regarding *** ***s concern of his increased monthly installmentI will be happy to respond to the concerns of Mr***’ on her behalf.Policy *** is a semi-annual personal auto policy which
incepted December 18, and was cancelled effective May 2, per a received written request from Mr***Please note that the auto policy was being billed under billing account number *** with policy *** *** an annual renters policy.On February 5, 2016, the Underwriter cancelled the policy effective February 22, because not all household drivers were listed on the policyOn February 9, the cancellation was reversedThe automatic payment scheduled for February 18, was reduced to $to only pay for the renter policy since the auto policy cancellation was processed.On February 19, 2016, Mr*** spoke with a Customer Service Representative (CSR)The CSR advised the automatic payment on March 18, would be a two months installment for the auto policyAn exact amount for the March 18, payment or the payments going forward were not provided by the CSR.On February 23, a billing statement issued for $This amount was calculated based on the auto policy premium balance of $being divided into three installments, plus the $monthly installment for policy *** ***An automatic payment for $was received on March 21, 2016.On March 25, 2016, a billing statement issued for $This amount was calculated based on the auto policy premium balance of $being divided into two installments, plus the $monthly installment for policy *** ***An automatic payment for $was received on April 19, 2016.As of May 9, 2016, there have not been any payments returned to NationwideIf Mr*** is able to provide a copy of a bank statement showing the Nationwide payment caused an overdraft fee to be accessed to his checking account, the overdraft fee is able to be reimbursedThe bank statement will need to show a running balance from the day before to the day after the payment was madeThe reimbursement of the overdraft fee is able to be offered because the CSR did not provide a dollar amount for the future payments.The auto policy premium is not able to be waived because a correct billing statement was issued based on the policy balance.If you require further assistance, please contact our *** *** ***, Sharon W***, at ###-###-#### or by email at ***.Sincerely,Jake M*** ***###-###-####
Thank you for your recent inquiry regarding a complaint you received from Mr*** ***I have reviewed and would like to address his concerns.The concern regarding communications with service centerOn August 10, 2015, Mr*** called into the Service Center asking for ways to save on his
insurance policyThe policy insured a Mitsubishi, Toyota, and a ToyotaMr*** noted that he was out of the country and not driving two of the three vehiclesDuring this call Mr*** was advised that liability coverage on the and could be removed, leaving comprehensive coverage onlyThis change was made to the policy effective August 10, 2015, per Mr***’s approval; and caused a decrease in premium in the amount of $(please see declaration page attached).On December 3, 2015, Mr*** emailed our Internet Processing team via Nationwide.com requesting that the liability coverage plus collision coverage be added back to only the Toyota effective December 8, This policy change was completed and made effective December 8, Nationwide notified the Georgia Department of Motor Vehicles (DMV) electronically this day to advise coverage was added back effective December 8, This change caused an increase in premium in the amount of $(please see declaration page attached, proof of electronic filing, and email communication from December 3, 2015).On December 8, 2015, our Internet Processing team received an email from Mr***, stating he is coming back to the United States in two days, December 10, 2015, and wanted to see if he had coverage on his policy that would cover charging a dead batteryThe Contact Us department replied advising the policy has Roadside Assistance and service for a dead battery would be covered (please see attached email communication from December 8, 2015).On December 10, 2015, Mr*** called into the Service Center and spoke to Member Care Representative (MCR), Melissa, he explained that he received two $fines from the Georgia DMV for removing his liability coverage on the two vehiclesHe stated that he just arrived back in the United States on December 9, and received the DMV notice at that timeMr*** also stated that he was not able to drive the vehicles because the coverage was not added backMelissa advised that the coverage was already added back to the Toyota, and that his August 10, 2015, phone call would need to be reviewed to determine if there was a Nationwide error in order to reimburse him for his DMV finesMr*** then requested that liability coverage be added back to the Mitsubishi so he could drive it that dayLiability coverage was added back to the Mitsubishi effective December 10, Nationwide notified the Georgia DMV on December 10, 2015, that the coverage was added back effective December 10, This change caused an increase in premium of $(please see declaration page attached and proof of electronic filing).On December 14, 2015, MCR Melissa called Mr*** and explained that she called the Georgia DMV and was advised that the suspension case was closed as the state had received electronic proof of insurance on December 8, and December 10, from NationwideMelissa also explained to Mr*** that she was waiting to hear back about the phone call being reviewed in order to potentially assist with reimbursing for the DMV fines.On December 17, 2015, Melissa received approval from a servicing supervisor to reimburse the DMV fines after the August 10, call was reviewedIt was determined that the MCR during that call did not advise Mr*** of the requirement to contact the DMV prior to removing liability coverageDue to this information not being provided, Nationwide reimbursed Mr*** for both of his $fines plus interestThe total amount refunded was $Mr*** also requested that Nationwide reimburse $for taxi service he employed while unable to drive the vehiclesWe requested receipts for the taxi service in order to review for further reimbursement, to date these have not been received.The concern regarding rental/ reimbursementMr***’s initial complaint filed with our Office of Customer Advocacy was forwarded to a senior analyst in member services to research and resolve on December 18, He was requesting to be paid for what it would have cost to have two rental vehicles provided to him during the time the vehicles were not drivableDue to how Nationwide is filed with the Department of Insurance in Georgia, a rental car could not be offeredHowever, Nationwide does review situations to provide reimbursement for expenses incurred by member’s that correspond with an issue caused by misinformation provided by NationwideI provided a resolution to Mr*** on December 22, 2015, advising that due to the issues he experienced with the DMV, Nationwide would be able to reimburse for out of pocket expenses with documented proof of claimed expensesAt this time Mr*** declined to provide receipts for review for reimbursement of alternative methods of transportation expenses.Mr***’s liability issue with the DVM for the Toyota was cleared on December 8, 2015, and the Mitsubishi was cleared on December 10, Mr*** advised Nationwide that he had issues with the DMV on December 10, During the December 10th phone call, the MCR advised that we were adding coverages that day for the one vehicle and the other vehicle had been corrected two days priorAs Mr*** was advised the liability was corrected on December 10, 2015, (and confirmed again on December 14th) Nationwide would not provide reimbursement for any dates after December 10, 2015, because both vehicles were corrected with the DMV.Nationwide does not provide compensation for time spent correcting issuesHowever, we apologize that this unfortunate situation occurred for Mr*** with the DMV, and have taken appropriate measure to prevent this from happening again in the future.The concern regarding premium increase/ backdating coverageThe monthly premium of $was applied during the policy term of May 21, thru November 21, The monthly premium of $was applied during his current policy term of November 21, thru May 21, The increase in premium was due to the following:• The application of a June 13, 2015, approved rate increase with the State of Georgia• The addition of coverage to the Toyota and Mitsubishi Eclipse in December of 2015Mr*** requested we backdate the addition of coverage on both the Toyota and the Mitsubishi Eclipse to August 10, We would be willing to make that change, however, Mr*** would need to pay the adjustment in premiumIn the event he does not want to pay for backdating coverages to both vehicles, a letter of experience can be provided indicating there was no lapse in coverage due to our company error in removing the coverage.Please advise Mr*** to contact Nationwide at ###-###-####, by February 1, 2016, if he would like coverage to be backdated or have a letter of experience created.Thank you for bringing this matter to our attentionAs I mentioned above, we have taken further action on Mr***’s concernsSpecifically, we have refunded for the fines assessedAdditionally, we are willing to reimburse for out of pocket expenses with documented proof, and backdate coverage or create a letter of experience per Mr***’s preference.We hope this will resolve all pending concernsHowever, if you should have any questions or wish to discuss the matter further, please feel free to contact Customer Relations Coordinator Debra C*** at ###-###-#### or ***.Sincerely,Thomas KG*** ***
After receiving and reviewing the response from Nationwide I dispute their claim in that they failed to offer any proof to support their accusations.I offered my signed and dated contract which clearly states my monthly payment amount as well as my bank statementsI immediately called Nationwide Ins(I would request they turn over the recorded conversation from my call to their office.) Where the rep clearly stated that she would put the form in the mail and all I had to do is sign itNo form was ever recieved and subsequently in Jan my Ins premium doubledThe only reason I changed my ins coverage was because my rate went up so I went online for a cheaper quote in that I live on SSso I am on a budget and I got stuck with a bunch of crooks who not only stole my money but ruined my credit.They say they mailed them (just like the old saying) check is in the mail and I say I responded by call themThis proof is in their recorded conversation, where they clearly state all conversations are recorded to protect your rights.(Request a supeona for tape)I've offered proof by contract agreement as well as bank statements and from their response by the Suzana K***, Rep for Nationwide, she should do her job a little better and check all the records and not just the one's they stick in a file.Sorry about all the sarcasmNo offense meant and I thank you very much for your assistance in this matter.Respectfully submitted*** ***
2/16/2017*** *** *** ** *** ***
*** *** **
*** ** ***
***
*** *** ***
*** *** ** ***
Ms***,Thank you for the opportunity to respond to our customer’s inquiry.Mr***’s claim was received by
Nationwide and assigned to Claims Associate, *** ***, on December 16, Mr***’s vehicle was inspected by *** on December 21, At that time, an estimate was written for the fair and reasonable cost of repairs to Mr***’s vehicleIn November of 2016, *** was notified that Mr***’s vehicle was at his shop of choice, *** *** reinspected Mr***’s vehicle on November 8, 2016, and wrote an estimate for supplemental damages.There were differences in ***’s estimate and the estimate provided by Mr***’s shop of choiceAccordingly, by letter dated November 8, 2016, *** advised Mr*** that Nationwide would only be responsible for fair and reasonable expenses*** further stated that, “Any work you commission or authorize that would be unreasonable, unnecessary, or damages that exceed this appraisal amount may become your responsibility.” *** later wrote a final supplemental estimate for the vehicle’s repairs on December 2, 2016.On January 26, 2017, Mr*** invoked the appraisal clause under his Nationwide policy due to the differences in Nationwide’s estimate and *** ***’s estimateAt that time, Nationwide hired an independent appraiser who wrote an appraisal for $higher than Nationwide’s estimateThis additional amount was offered to Mr*** on January 31, 2017, and we have not yet received a response from him.If you have any further questions, please contact me at ###-###-####.Sincerely,*** ***
*** *** *** *** ***
*** *** ***
We are in receipt of your communication dated February 12, Thank you for the opportunity to respond.*** *** is provided coverage under policy number *** for the policy period 4/1/to 4/1/2018, a standard ISO trucking form written with a $900k self-insured retention limit
Until the retention limit is exhausted, all claims are handled directly by *** *** or their third-party administrator, *** *** Claims Service.Upon receiving this notice, an investigation was undertaken on our part to identify who, in fact, had the claim in questions*** *** of *** *** Claims Service, claim number ***, telephone ###-###-####.*** *** Claims Service has completed their investigation and denied the claim to Mr***The insured driver denies being involved, as the police report states, and the narrative of the police report does not correspond to diagram provided on that reportThis is a word vs word liability case.We are sorry Mr*** is unhappy with the liability decision on his claimWe hope the above explanation brings him a better understanding of how we came to our decision.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, Patty G*** at ###-###-#### or via email at ***@nationwide.com.Thank you.Very Truly yours,Luke L***Claims ManagerE&S/Specialty
it does not make sense
Are you implying that we still owe this debt? If so, why have we not received anything further in months We are nationwide insured (for years), even my representative, Eric McHugh said he was unaware of this debt when we contact him Our homeowners and auto is directly debited from our account, how could we not be made aware of this? Surely this is an oversight??? How could they let this be unaddressed for months and still consider us "valued" customers
Regards,
*** ***
The policy has already been cancelled as I sent back the e-signature. There really needs to be better advisement as per the policy rates in this kind of situation because it wastes time and money. I've since found another insurance company, and it was a lot more work than what was needed. It doesn't help instilling much trust when you have to buy it to see what's in it and the rest just doesn't make any sense
Regards,
*** ***
As indicated in my original complaint, I am not contesting the amount owed or the validity of the debt What I am contesting is the fact that this company utilizes unethical billing practices and in doing so, caused damage to my credit unnecessarily As you can see in the amended final bill attached by Nationwide, they state that they will turn you in to a collection agency for non-payment This is not the correct course of action after sending a customer only one bill, especially when the customer had no reason to believe they owed anything and had no reason to expect a paper bill I was on auto-draft payments and any reasonable person would assume that a vehicle added in April would have been deducted by the time the policy ended in June Additionally, in trying to be a prudent person, I asked the agent who changed my policy if I owed any remaining balance on my old policy JUST to double-check and be sure, and was told that I did would have no remaining balance owed Therefore, I was not expecting a paper bill from Nationwide and overlooked in the mail the ONLY bill I received from them, which is the amended final bill attached in Nationwide's prior response I later found out I had been turned in to a collection agency for not paying a bill that I didn't know EXISTEDNationwide never tried to follow up with an additional mailing, phone call, or email to ensure I received the bill, even though they have all of my information and are more than capable of reaching me, as evidenced by their agent calling me several times before just to see if I was happy with my policy I have paid the amount I owed and want Nationwide to remove the debt account from the collection agency and from Transunion and any other credit bureau it went to