I got hit by another car a couple months ago, and their insurance provider was Nationwide. It was documented that it was the other driver’s fault. I took my vehicle to the dealer immediately after leaving the accident and had them estimate the damage. The repairs were estimated and a report given to me and to Nationwide. They paid for the repairs.
In my state, one can collect for diminished value of a vehicle if they were not at fault in an accident situation (which is where I found myself). Once the repairs were completed, I took the car to three different dealers, asking what they would give me for my car as a trade-in. I was amazed – the difference between “certified used” and mine was between $7,000 and $13,000! Mine could not be sold as certified used because of the accident (the report was already filed with Carfax), and therefore would not be covered by the 100,000 mile warranty given by many dealers. I gave this information (plus information from NADA, KBB, and an auction place) to support my request.
Nationwide offered to pay $500! That is less than ten percent of the diminishment in value. I was not happy with this insulting offer. Weeks later, after much discussion, they offered to have an appraisal done on the vehicle. They paid the appraiser and he is one who often appraises for insurance companies (therefore, in my opinion, his results were already suspect). His appraisal was very low, and had no supporting data. I paid for my own appraisal and it came out what I expected, with 20 pages of supporting documents. Nationwide still will not pay up, and I cannot contact anyone within the company who is willing to resolve this situation.
The only side on which Nationwide is – is their own!
Man, that really sucks. I guess it depends on where you live, because where I live, Nationwide is one of the better providers. My best friend has been using Nationwide for over 25 years and have never had a problem.
Any insurance company is just out for money. They don't care whether you get paid or not. They have no remorse due to scamming you. They do this regularly. I'm afraid you may have to sue them to get your money.