Nationwide

This letter is in regards to the
Property Damage claim for one Toyota Corolla belonging to Ms*** ***. The Toyota Corolla involved in the loss has a salvage branded titleThis loss occurred on August 8, Field Claims Associate Michael B*** was able to inspect the vehicle on August 11, and deemed the vehicle a total loss on August 12, This was a day time period and within the day time period as allowed by the ** state appraisers actNationwide has an obligation to perform an investigation into the facts of the loss, once this investigation was completed on August 12, 2015, a rental vehicle was authorized for the ***'sIf a rental vehicle was obtained before this date, Nationwide would happily reimburse them for these chargesHowever, we would not authorize a direct bill prior to establishing our liability and coverage for the loss
Based upon our inspection of the vehicle, the estimate amount was $7,The value of the vehicle was determined to be $9,697.88, less the anticipated salvage value of $4,463.23, which equals $5,This amount is less then the estimate amount of $7,980.51, therefore, the vehicle is declared a total loss as per the ** State Appraisers act
Coverage for the loss was verified, and contact was made by the Total Loss representative *** *** on August 14, Subsequent contact attempts were made with no more than days passing before contact was achieved by either the Total Loss Specialist or a member of the Management staff. Discussions began between Ms*** and management staff regarding a dispute in the value of the vehicle on August 24, 2015. Ms*** conveyed that she was upset that they cannot find a replacement vehicle for the amount we have offered Ms*** wanted Nationwide to either purchase a replacement vehicle for her or to give her money to purchase a similar vehicle in the area of $13,that Ms*** has found Nationwide management attempted to convey to Ms***, that Nationwide does not have the capability of purchasing a replacement vehicle and delivering it to her, nor is Nationwide obligated to do soNationwide advised Ms*** that we owe the Actual Cash Value of the vehicle she was driving at the time of the loss, which would be a Toyota Corolla with a salvage branded title, and that the local market comparables she had viewed have a clean titleIt was conveyed Ms*** that there is a difference in value between a vehicle with a clean title and that with a salvage/branded titleNationwide determined the actual cash value of the vehicle using the methodology explained belowThe initial settlement was presented to the claimant on August 19,
Nationwide utilized CCC Valuation to evaluate the vehicle at a fair market value as a branded vehicle.
Nationwide has conducted an appraisal of the Toyota Corolla LE door Sedan located in *** **The appraisal information was then used to conduct research in your market to determine the local market value of the vehicleThis CCC Valuescope Market Report details the results of that search
When Nationwide requests a valuation report, they provide CCC with the configuration of the vehicle in the loss, including model, hours or mileage, optional features, any accessories, the condition of the vehicle as well as the VIN/HIN/PIN (vehicle/hull/product identification number) of the vehicleThat identification number is analyzed to verify basic information provided on the vehicle
Significant differences between the vehicle and any other comparable units are documented and are used to define a verifiable market value for the vehicle in the lossIf no comparable units are located, the valuation expert will conduct a local market survey to gather the expert opinion of knowledgeable retailers in order to determine the local market valueThis was the case for the Toyota Corolla with the salvage branded title.
PaCode 62.3(e) (1)(iii).
“Motor Vehicle Physical Damage Appraisers; Applicable Standards for Appraisal:
(1) Under this subsection, replacement value under the policy provisions covering the total loss of a motor vehicle including an unrecovered motor vehicle shall be determined by one of the following methods:”
“(iii) Dealer quotation methodThe appraiser shall consult with dealers or other persons knowledgeable in the field to secure quotations as to the value of the motor vehicle being appraisedAt least two quotations shall be securedThe figures thus secured shall be averaged.”
Nationwide’s valuation of the salvage branded Toyota Corolla is in accordance with Laws and regulations of the State of Pennsylvania, specifically relating to the vehicle being a total lossPaCode 62.3(e) (1)(iii).
Additional correspondence took place between the Total Loss Specialist and Mr*** *** via email and phone on August 27, and August 28, 2015. During this time the specialist discussed the Unrelated Prior Damage on the roof of the vehicle and determined that this damage would be minimal on a salvage branded vehicle based on the year, make, model and condition of the vehicleThe reduction for Unrelated Prior Damage was removed from the settlement figures
The Actual Cash Value of the Toyota Corolla with a salvage branded title with Nationwide retaining the vehicle is outlined as follows:
Actual Cash Value (ACV) = $9,Subtotal ACV = $9,Unrelated Prior Damage Applied - $Total ACV = $9,Tax + $665.00 Total Settlement = $10,
This information was provided to the customer on August 28, 2015, and was agreed upon by Mr.Nosa ***.
Nationwide provided the customer with a rental vehicle from August 13, through September 1, for a total of days at $per day
If you require further assistance, please contact *** *** ***, Jane G*** at ###-###-####, or by email at ***between the hours of 8:AM and 4:PM.
Regards,
Craig C***
*** ***
###-###-####

*** *** ***
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*** *** *** ** *** *** *** *** *** ** ** *** ** *** ***
Thank you for the opportunity to respond to the insurance department regarding policy number ####### for *** *** and *** *** and to address his concerns about the policy.
On 4/12/2013, *** *** purchased a six month insurance policy from Nationwide Sales Solutions with a bill plan of 20% down and five installmentsThe policy took effect on that day when a payment of $was received.
Since January of 2014, we have been in contact with *** *** regarding the premium paid towards the policies he and who has been acknowledged as his ex-girlfriends (*** ***) policyAs previous acknowledged; *** *** started a policy for the Ford Ranger on 4/12/with himself as the primary insured and *** *** as a listed driverHowever, *** *** started coverage for the same vehicle, with herself as the primary insured and *** *** as listed driver on 3/11/Once this was discovered, *** ***’s policy was cancelled, since it was the second of the two policies, and premiums paid towards policy ##########($334.66) were refunded in full to *** ***These refunded premiums have been deposited and cleared Nationwide Insurance’s financial institution
*** *** also requested that the policy #########) for *** *** be cancelled as he no longer had access to the vehicle and *** *** was no longer in the State of *** *** Once a signed cancellation request was received from *** ***, the policy was cancelled as requested*** *** was informed that *** *** was listed as the primary insured and all refunds would be required to be issued with *** *** as a listed payee along with himself.
At this time, the total issued refund of $has been issued and is showing as an outstanding on the Nationwide Accounting systems*** *** has acknowledged that he has attempted to deposit this refunded premium however, has been denied the funds from his financial institution due the missing signature of *** ***Again it is Nationwide’s contention that we are bound to issue any refunds to the primary listed insured(s) and cashing/depositing of the refunds would require the signature the listed payee(s)
I trust that I have addressed the issues within *** ***’s complaint If I can be of further assistance, please contact me at ###-###-####.
Sincerely,
*** ***
*** *** *** *** *** ***

Nationwide Property and Casualty Insurance has reviewed the complaint filed by
*** *** *** and completed a detailed investigation of the circumstances surrounding the value complaint
Due to an accident that occurred on 11/14/2014, Nationwide has determined the Chevrolet GConversion Van to be a total loss. On November 21, claims representative *** *** extended a settlement offer to *** *** for $5,674.68. *** *** did not accept the value at that time but did point out that his vehicle had alloy wheels which weren’t included in the initial assessment. This increased the value to $5,738.68. On 12/1/*** *** spoke with *** *** and provided her with the updated amount. She advised that *** *** may have concerns and they would get back with *** ***. On 12/2/*** *** emailed *** *** advising him of the revised value. On 12/03/*** *** had CCC Valuescope obtain dealer quotes. This value came back at $5,740.60. *** *** then conducted his own review of the market and made a concession of $due to those vehicles that were currently availableOur last offer to *** *** was $6,240.60.
We did receive an email from *** *** in which he included links to comparable vehicles for us to review. These comparable vehicles were reviewed with CCC Valuescope and those most in line with *** ***’s vehicle were in better condition than his vehicle while the other comparables were outliers to the comparables already found with an asking price that could not be supported in the market
To date, we have not been provided any documentation which would support any further increase in our value but we are willing to consider any additional documentation that may support a higher value. Please advise if you require additional information.
Sincerely,
*** ***
*** *** ***

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 concernsSincerely,
*** * *** ***Nationwide Insurance###-###-####***

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 center
On 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 finesOn 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 receivedThe concern regarding rental/ reimbursement
Mr***’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 expensesMr***’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 DMVNationwide 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 futureThe concern regarding premium increase/ backdating coverage
The 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 Mr*** 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 createdThank 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 preferenceWe 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*** ***

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Please accept our apologies for the inconvenience we have causedWe understand how frustrating it can be when a company’s service doesn’t meet your expectations. We value your business greatly and appreciate the opportunity to serve you as a loyal member.
When we learn a member hasn’t experienced our best, we take it very seriously. We strive to improve our service and provide a positive experience for our members each and every time.
We regret any inconvenience you may have experienced
Sincerely,*** ** ***Nationwide Insurance & Financial ServicesPhone: ###-###-####Fax: ###-###-####***

Response, like the last one, contains erroneous and conflicting statements For the third time, did not receive a policy declarations page until Feb 18th (not Feb 17th, Feb 13th, or Jan 30th) Was forwarded by email to me on that date (at my request) by *** *** This can be verified if this individual bothered to contact him at *** or ###-###-#### This individual can also play back the phone conversation I had with him that afternoon when I told him I probably didn't receive anything in the mail because my address was incomplete Again, nothing was received in the mail and received no phone call from your local agent at any time to let me know the new policy was available
Again, for the third time, what is the legal statute for your billing a customer when you fail to let that customer know what the rate is prior to billing and why you are justified in billing the additional $from Feb 17th, Feb 13th, Jan 30th, or whatever date it is you're claiming now Also don't know why the response asks for alternate carrier coverage prior to Feb 19th Was covered through Feb 19th under existing (and already paid) Nationwide Policy Number #######, which I obtained in
Regards,
*** ***

Please accept this letter in response to *** ***’s correspondence dated September 2, regarding the above cited claim. We appreciate you forwarding *** ***’s correspondence to us. We are addressing *** ***’s concerns directly with her. If you have any additional questions please let us know. Sincerely,
*** *** *** *** ***, AMCO Insurance CompanyPhone: ###-###-####***

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We have received the complaint referenced above from your officeAfter further review of the file, and the damaged mail box, our estimate for replacement is fair and in-lineWe have a contractor that can complete the repairs for the amount of the estimate from *** The contractor is *** *** *** *** ** *** *** ** *** ***
The estimate sent in by *** *** appears to be a larger more upgraded mail box compared to the one that was damagedI have attached a photo taken from Google mapsIt appears that her damaged mail box was much smaller in size and only had one slot
As a ri party carrier in this case, we would only owe Acv and not Rev ..However, based on the photos of the mail box and its good condition, we will waive the amount of befterinent/depreciation that was deducted from the estimateI have stopped and reissued a check to *** *** for $and corrected the misspelling of her name
If you have any questions or need anything further please feel free to contact our office
*** * *** ***
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*** ** *** *** ** *** *** ***
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We have reviewed the inquiry from
your office from *** *** regarding her homeowners policy
Our company received a homeowners application for *** ***’s homeowner policy that listed the mailing and property address as *** * *** *** *** *** ** ***The original policy effective date was December 20, The full annual premium was $She made payments of $on January 21, and on February 11, 2014; thereafter, she submitted the remaining balance of $
An inspection was subsequently completed on the property listed for the Homeowners policy at E North Broadway Street, Columbus, OH A postcard notifying *** ***s of the external inspection was mailed on February 25, to the policy address provided by *** ***As a side comment, the inspection indicated that the dwelling was void of any furniture and was vacantBased upon this substantial change in risk due to the occupancy of the dwelling, the policy was cancelledThe notice of cancellation was dated March 27, and effective May 1, A copy of the cancellation notice and proof that it was mailed are included
A refund check of $for the unearned premium was sent to *** *** on May 9, to the address of E North Broadway Street, Columbus, OH that she provided in the insurance applicationThis refund was the unearned premium, for the homeowners policyThe refund check (#***) was returned by the post office as not deliverable to the address provided by *** ***Our company had not received any notification from her regarding an alternate mailing addressAs part of our usual business practice, a search was done on our company data and found an in force homeowner’s policy for *** *** at Bretton Place, Columbus, OH The refund check was sent to this address on June 4,
*** *** has requested a refund for the full premium paidBecause coverage was provided from December 20, to May 1, 2014, in compliance with the company’s filed and approved rate filings, premium is withheld for that time insurance coverage was providedUnless *** *** had replacement coverage with another insurance carrier back to the inception date of our policy (December 20, 2013), our company is legally required to provide coverage for her through 12:01am on May 1, and collect (earned) insurance premium for the time that coverage was provided unless she can show replacement coverage with another carrier for that period of time
We appreciate the opportunity to address *** ***’s questionsPlease feel free to contact me if there are additional questions
Thank you,
*** ***
*** ***
Allied Insurance, a member of Nationwide Insurance
###-###-####
***

Thank you for the opportunity to respond to the concerns of *** *** regarding the above referenced policy withNationwide Mutual Fire Insurance CompanyThe home/car discount was removed from Ms***’s policy as herstandard auto policy with Nationwide was cancelledMs***
was offered and accepted a policy with our non-standard company, Titan InsuranceOnce her standard autopolicy cancelled, the homeowner policy was no longer eligible for the home/car discountNationwide does not offer ahome/car discount for Titan policies at this time.We appreciate the opportunity to review Ms***’s business, and hope that this information will satisfy her concerns.If you require further assistance, please contact our *** *** ***, Cathy D***, at ###-###-#### orby email at ***
Sincerely,Patricia J*** ***

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This is *** *** responding back to *** ***’s responseOnce
again Nationwide has omitted to speak on both estimatesI am still awaited to
hear back from *** ***on the interior
estimate that she failed to discuss in her responses back to meHowever I was
not available on the 15th of August so there for I did not get the
call
Please forward
my email to the individual who is trying to contact me from NationwideMy
email address is *** they will be
able to contact me at this email addressto *** *** ***’s sentence four of her response that she states
“Our inspection showed that these items where rotted”
My question to
*** *** *** is what inspection are you referring to and on what day
and year? I only have one for the interior by *** and one for the exterior
buildings *** the engineer, all I know is that *** never came to look at the
roofs; He gave his estimate based on the engineers report, which at that time
he no longer worked for the company per *** ***Please answer this question.
On the engineer
report he states that “ the functional damage that included warped metal panels
and openings in the seams of the roof covering Building B are attributable to
movement of the roof panels associated with hail and or/wind.
Functional
damage to any roofing system is defined as the reduction in the ability of the
roof to shed water or the reduction of its expected service life.
Damage to
structure seam would have caused damage to the trusses sheating and framing,
which most likely would have caused them to be exposed by way of the seam
and damage to the metal panels which would have allowed other natural elements/
water to cause damage to these items
Going forward *** *** *** please address all concerns in my responsesWith that
being said Please address estimate I received your concern on estimate I
will contact the contractor.
Just to remind
you that you have had estimate longer then estimate 2, which estimate was
sent to your company Nationwide twice prior to you getting estimate 2, but
you have failed to address estimate Please address this estimate.
Regards,
*** ***

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

To Whom It May Concern:
Thank you for your recent inquiry regarding the complaint you received from *** ***As SrAnalyst, Customer Resolution & Response Team, I will address to Mr***’s concerns
We were able to review the homeowner policy, ** ** ** ***, and determined that an error occurredMr*** was never notified of our inspection process to finalize the reconstruction cost amount of his homeDue to this error, we will honor Mr***'s original premium amount of $for the first term of his policyThe correct reconstruction cost of $283,will remain on his policy to ensure he is adequately protected, but he will pay the lower premium amountOnce the policy renews, the correct premium will be chargedMr*** would then have the option of continuing his policy or obtaining other insurance
Here is an explanation in regards to Mr***’s concerns on his auto policy billing, ** ** * ***On May 22, the policy was written effective June 15, with the term premium of $Mr*** paid the policy in fullOn June 3, we emailed Mr*** the state mandated Act forms required for his stateThe Waiver of Stacking of Uninsured and Underinsured Motorist Bodily Injury coverage, as well as Tort Limited option coverageWe never received the forms and resent them again via mail on June 11,
Nationwide attempted to contact the member via phone on June 19, 2015, to address the need to return the formsWe contacted him again via phone on July 13, and were able to speak with himWe advised him that we needed the mandated forms to be returned to us or we were going to default coverage effective inception, June 15, On August 18, we had not received the required signed forms from the member and defaulted coverage to the policy by stacking the Uninsured and Underinsured Motorist Bodily Injury coverage, as well as the Full Tort coverage effective June 15, This change caused an increase in premium of $
We billed the member on August 21, in the amount of $due on September 15, 2015. This was the unpaid balance at that time of $divided over three months left to bill, making their installment $plus the $installment fee
The required signed forms were returned to us by Mr*** on August 19, On August 21, we changed the coverage back to un-stacking for Uninsured and Underinsured Motorist Bodily Injury coverage and changed the Tort option to Limited effective the date the forms were signed, August 17, This change caused a decrease in premium of $131.30. This credit was divided over the three months left to bill applying $to the bill, making $due on September 15,
Mr*** would owe the additional premium for the coverage defaulting from June 15, until the date he signed the state mandated forms, August 17, in the amount of $plus the $installment fee
The auto and home policies remain active and not cancelledIf Mr*** would like to cancel his policies, he would need to contact our service department at ###-###-#### and sign the required forms to cancel his policies
I hope the information that I have provided has answered your questions in regards to this matterPlease let me know if I can provide additional information

*** *** ***
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This letter is in response to the complaint filed with your agency by *** *** regarding her automobile policy. Our records indicate the policy was a semi-annual policy that renewed on March 29, 2009, and cancelled for nonpayment of premium effective May 25, 2009. The policy billed on an installment account with payment due on the 29th of each month
Attached please find copies of the bill due on April 29, 2009, the Notice of Cancellation, and the final bill. The balance due of $reflects premium owed up until the cancellation date of May 25, 2009. Nationwide was unable to locate documentation showing coverage was obtained with another carrier prior to May 25, 2009. I would be glad to adjust the balance due if proof of alternate coverage is received
If you should have any other requests or questions regarding this matter, please contact *** *** at ###-###-####, ext########
Sincerely,
*** ***
*** *** * Customer Resolution and Response
Nationwide Insurance Companies

Recently received email for inspection on my house located in OhioI have a seasonable *** swimming pool with no water and ladder is locked in my garage, they want a fence completely around my poolI am remodeling my back porch and replacing it 100% from top to bottom with all new materialOn day inspector came out I was in middle of buildKeep in mind spoke very little understandable English and I explained to him what was going onI have days to finish back porch and place fence around a empty "seasonable" pool with no water during cold winter or they said they will drop coverage of my house

*** *** *** has yet to respond to *** ***' complaint regarding the diminished value based on what the car accident did to *** ***' CARFAX reportPlease respond to this concernRevdex.com can you see *** ***' blatantly ignoring *** ***' concern regarding how his diminished value amount of $does not factor in how his now comprised Carfax report affects the current resale value of his vehicle? The reason this question has not been answered in any of our emails to Nationwide is because they have not factored the comprised Carfax report into the $If Nationwide factored the diminished value regarding the comprised Carfax report, the statement regarding the reasons why they choose to only pay $would have specifically stated this (but it did not) and second, they would have made *** ***' whole in this situation (but they did not)*** ***' is left at a loss in this situation and the only thing that can make this situation right and whole again is if *** ***' is given compensation for the true diminished value.
FYI- *** ***' has not heard any correspondence regarding *** ***' alleged contact with the *** State Office of the Insurance Commissioner*** ***' clearly reveals that he has had no contact with the State Commissioner because he so eloquently stated that he responded to the "State of *** Department of Insurance," however, there is no such thing as the "State of *** Department of Insurance." I believe *** ***' meant to lie about contacting the "*** State Office of the Insurance Commissioner." *** ***', Nationwide, or whoever...please take *** ***' seriously and give him the compensation he is owed.
Regards and Happy Holidays!

My husband passed away (Sept17, 2016) unexpectedly and he had investments with this company, but here I am 11-2-still fighting to get things straightened out with themNow I'm told "he didn't leave a beneficiary"So now I have to go to court even though I'm the only one he hadNationwide isn't on your side

They gave me a wrong quotes and they ripped me off dollars of a dollar policy that was paid in full with no explanation of where $went I have sent an copies of my policy paid in full a copy of the bill and what was refunded to me in a letter an explanation why
Regards,
*** ***

BEWARE!!! If you get hit by someone who runs a red light and you still have their headlight stuck in your bumper and your only vehicle not safe to drive and that person has Nationwide you will be without a vehicle for about weeksI was hit by a lady who decided to run a red light on ThanksgivingThe lady they gave my claim to is outta the office for a weekI get to sit here for a week with no transportation for my kidsThen I get to sit and wait for her to decide who's fault it wasApparently running a red light and crashing is legal in some statesI have the accident printout from the officers stating she was at fault and they said it don't matter what the cops sayThey decide who's at faultI was told to go thru my insurance and fix my own truck and get my own rentalWhy should I have to pay my deductible outta pocket for a lady not paying attention while drivingSo please beware before deciding to insure with this company!!!!!!!