Nationwide

We have received the complaint referenced above from your office. After further review of the file, and the damaged mail box, our estimate for replacement is fair and in-line. We have a contractor that can complete the repairs for the amount of the estimate from [redacted]. The contractor is [redacted]
The estimate sent in by [redacted] appears to be a larger more upgraded mail box compared to the one that was damaged. I have attached a photo taken from Google maps. It appears that her damaged mail box was much smaller in size and only had one slot.
As a ri party carrier in this case, we would only owe Acv and not Rev ..However, based on the photos of the mail box and its good condition, we will waive the amount of befterinent/depreciation that was deducted from the estimate. I have stopped and reissued a check to [redacted] for $1566.25 and corrected the misspelling of her name.
If you have any questions or need anything further please feel free to contact our office.
[redacted]
Harleysville Insurance
###-###-####
Fax ###-###-####

[redacted] has chosen to ignore some key negotiation points associated with the values of the vehicle in question. After consulting with legal counsel, it was brought to our knowledge that this is a common practice for Nationwide Insurance company and Valuescope CCC. Both Nationwide Insurance company and Valuescope CCC have been sued in a court of law and lost numerous judgments for operating with illegal business practices and in bad
faith. Some of the law suites include [redacted] which the complaint claims " CCC systematically underreporting, for insurance claim purposes, the salvage value of vehicles that are "totaled" as a result of an accident that is submitted to an insurance carrier.  Simply put, CCC's purported valuations for vehicles that have been totaled are fraudulent - they are intentionally based upon data that is outdated, not comparable, and or entirely fabricated. These bogus valuations are then used by the insurance carriers who are making payments to Plaintiffs and members of the class to determine how much will be paid on their insurance claim". 
Another eye opening case was [redacted] insurance in [redacted] in which [redacted] stated that Nationwide insurance has repeatedly tried to enforce that, “Its message is 1) that it is a defense-minded carrier, 2) do not mess with us if you know what is good for you, 3) you cannot run with the big dogs, 4) there is no level playing field to be had in your case, 5) you cannot afford it and what client will pay thousands of dollars to fight this battle? 6) so we can get away with anything we want to, 7) you cannot stop us,”. Nationwide lost this suite and an award of $18 million dollars against Nationwide was issued by the court. I regret that Nationwide insurance refused to fully consider the facts that I presented them and did not accept my earlier attempts to compromise.
For this reason I have file a civil suit in the [redacted] Court system with the help of my attorney, against Nationwide's client [redacted] for complete restitution and payment for damages done to my 2002 Coronado Regency Chevy Express van. The judgement will be for the full repair cost of $9291.73 and the rental expenses of $683.82 for total amount owed of $9,975.55. The court date is set for February 6th, 2015.
Regards,
[redacted]

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

I am in receipt of the March 6, 2014, inquiry from our member.  As requested, I am providing a response to the additional information requested.
The call from December 18, 2013, in which the automobile policy was quoted and initiated, was reviewed again to confirm any discussion of a lien holder, comprehensive or collision coverage as well as coverage available for the vehicle.  There was no discussion of a lien holder nor was there a request for comprehensive or collision coverage.  Nationwide generally does not offer comprehensive and collision coverage on vehicles older than fifteen years.  This was articulated by the sales agent during the phone call.
I also reviewed the incoming and outgoing phone calls from December 1, 2013, to January 1, 2014, in order to determine if any other phone calls may have occurred.  The review did not identify any other calls between the member and the company.  The phone number that was used to contact Nationwide on December 18, 2013 (###-###-####), and the phone number on file (###-###-####) were researched.  If there are other phone numbers that should be considered, please let us know.
The call transcription has been included.  If any additional information is needed, please do not hesitate to contact me.
[redacted] Nationwide Customer Resolution and Response Team
###-###-####
Fax# - ###-###-####
[redacted]

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

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

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

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

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

The customer [redacted] had two follow up questions to our last response. The answer to her first question regarding why the customer was not told when the claim was filed is because the call reporting the loss comes into our call center who are only intake specialist and not licensed adjusters. They cannot make coverage decisions on the claim. In addition, our policyholder's coverage was in a grace period which means our policyholder's premium payment was late. Therefore, if our policyholder made her payment then coverage would have been active for this loss date but since our policyholder did not make her payment, the policy was canceled effective September 23, 2012. So, the answer to [redacted]'s second question regarding when did the client's insurance end is September 23, 2012.
If there are any further questions, please let me know.
[redacted]

[redacted] [redacted] [redacted] 
Thanks for helping me with my complaint against Nationwide Insurance regarding the
damage claim from the April 9, 201 3 storm. This letter is my response to the June 11,
201 4 information provided by Nationwide Insurance.
The timeline provided by Nationwide is accurate but leaves out some detail. After the
April 9,20 13 storm my first contact was to my agent [redacted] Insurance. I inquired
about the best way to determine if I should file a claim. [redacted] suggested I contact [redacted], a
roofing contractor he trusted to assess the damage. [redacted] inspected my property and
determined the damage was significant. [redacted] recommended I file a claim. On [redacted]'s
recommendation I called [redacted] and file a claim on 5-7-2013.
Nationwide Insurance sent [redacted] to evaluate my claim. May 12, 201 3 I receive
the estimate prepared by Mr. [redacted] (attached for reference, attachment #I). The
estimate was incomplete and not consistent with the damage. Items left out where: valley
flashing, two of the three garage doors, most of the gutters / down spouts and outside
furniture. The estimate included 20 shingles. I pick up many more than 20 shingles form
my gutters and yard after the storm and I continue to find shingles in the gutters and yard
after every rain and slight wind. I had not lost any shingles from my roof prior to the
April 9,201 3 storm. The roofing contractors I have consulted informed me 20 shingles
would not cover the shingles required to replace the roof vents, valley flashing and
damage shingles.
My wife [redacted] and I reached out to Mr. [redacted] to inquire about the inconsistent nature of
his estimate. He did not offer any reasonable explanation. Mr. [redacted] informed my
wife he was going to have a structural engineer evaluate the damage. When I learned the
engineer was [redacted], I let Mr. [redacted] know I knew the firm and had conducted business
with them in the past. I was skeptical about the reason to involve a structural engineer
with a roof claim. After several rescheduled appointment by [redacted], mainly resulting from
weather, [redacted] inspected my damage. I had a conversation with Mr. [redacted] after
he finished his inspection. He informed me of a personal experience he had regarding a
roof claim on his property and how he was disappointed with the outcome of his
settlement. I felt Mr. [redacted] was preparing me for an unfavorable outcome. I left that
meeting wondering if I was going to be penalized for Mr. [redacted]'s bad experience.
I received a copy of [redacted]'s report dated June 1 1, 201 3 and after my review noticed
several inconsistencies ([redacted] report attached for reference, attachment #2). The report
references pictures that were not included in the report I received. The report references
damage from foot traffic. I am the original owner of this property and nobody has been
on my roof prior to the April 9,201 3 storm. Any foot traffic damage was caused by the
inspection resulting from the storm. The report only references 8 roof vents, I have 9
roof vents. The report lists 5 vent caps I only have 3 vent caps and 1 chimney cap. The
report states I have no damage to gutters and downspouts. Nationwide's estimate
itemized gutter and downspout damage. The report does not include damage to outside
furniture. [redacted]'s report did not as a value of damage but did state I have "splitting due
to hail impacts on all roof exposures".
Mr. [redacted] did revise his estimate after [redacted] submitted their report from $3,550.09 to
$5,796.00. The revised estimate is still not consistent with the damage to my property.
I again contacted Mr. [redacted] to gain answers regarding the inconsistent estimate and he
informed me about the appraisal process outlined in my policy. October 22,2013, over 6
months after the storm damage, I sent Mr. [redacted] a letter formally requesting the
appraisal process outlined in my policy (attached for reference, attachment #3). As
outlined in the policy, I selected Mr. [redacted] as my impartial appraiser. I found Mr. [redacted]
through a roofing contractor my neighbor used to replace their roof. Nationwide selected
[redacted] with [redacted]
After receiving [redacted]'s October 3 1,201 3 letter, I wondered why Mr. [redacted] needed to send
names of possible umpires. I called Mr. [redacted] to inquire why we had to select an umpire
prior to needing one. He did not know why stating he had not received an estimate of
damage from [redacted].
I received a letter from [redacted] dated December 6,201 3 stating [redacted] of [redacted] was
selected as the umpire. I immediately call [redacted]l with [redacted] and told him Mr. [redacted]
had already offered an opinion on my claim. At this point there was no doubt in my mind
this was and likely never will be an impartial process. I also wondered how many times
Nationwide had hired [redacted] and [redacted] in this same capacity.
With the exception of the February 17, 2014 letter from [redacted], I have not heard from
anyone from Nationwide or [redacted] on my claim. I assumed based on the appraisal process
outlined in my policy, I would have at least received an estimate of damage from [redacted] for
review. This claim is over a year old and quite honestly I have little faith this claim will
reach fair resolution without legal action.
Let me be clear. All I want is a fair settlement for the damage caused by the April 9,
201 3 storm. For some reason my damage is not being evaluated the same as other
properties in my area (see attached map and narrative, attachment #4). This includes
properties insured by Nationwide. The following are three Nationwide insured properties
I know of: [redacted] [redacted] [redacted]
I have included an estimate of the damage to my property prepared by Total Roofing for
review (reference attachment #5).
Reviewing all the facts in the claim, I am sure you can see why I have questioned the
actions by Nationwide Insurance. It is not reasonable that my property did not suffer
similar damage than others in my area. To date, I have not received any correspondence
from Nationwide or [redacted] estimating the damage found during [redacted]'s inspection. I feel I
have been abandoned by Nationwide and they have no intention to bring this claim to fair
resolution.
Sincerely,
[redacted] [redacted]

This letter is in response to the complaint filed with your agency by [redacted] regarding his Automobilepolicy. Our records indicate the policy was written with an effective date of August 31, 2014. The policy wasactive until July 31, 2015, with one lapse in coverage from May 26,...

2015, until June 6, 2015. The policy billed onan installment account with payments due on the 6th of the month for the most recent policy term.Unfortunately, Nationwide has no record of receipt of the signed cancellation request for the policy. If Mr. [redacted]will provide a copy of the policy declarations showing when he obtained alternate insurance, Nationwide will alterthe cancellation date on his policy and adjust the balance due accordingly.
Nationwide contacted the third party collection agency and put a 60 day hold on the account to allow time for therequired documentation to be received without a negative impact to the member’s credit report. Attached pleasefind a complete premium and payment history for the policy for your records.
Nationwide regrets that Ms. [redacted] did not receive the level of service he expected from Nationwide. Wecontinually work to ensure our member receive the highest level of customer service.
If you require further assistance, please contact [redacted], Jane G[redacted] at ###-###-####,or by email at [redacted] between the hours of 8:00 AM and 4:15 PM.
Sincerely,Colleen F[redacted]t

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

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

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


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


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


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


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

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

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

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

-NATIONWIDE IS NOT ON YOUR SIDE-
I left out of state on 1/10/14 to deal with my grandmothers ailing health and wound up having to stay till 3/10/14. During that time I left my house in the care of my 2 roommates. When I arrived home I found my car had been stolen and damaged and left parked somewhere else (confirmed by witness testimonies from neighbors)and that the keys were missing. I filed a police report as soon as I had figured out what was going on and contacted my insurance. I informed the person that my car had been stolen by one of my roommates (The only people with access to my car/keys) and that I was in the process of filing a report with the Denver Police Department. The person I spoke with said it wasn't a problem, that everything should be covered and assigned me an adjuster.
I filed the police report and contacted my insurance again to pass on the report info from PD (Rept.# [redacted]). I asked the gentleman what I was supposed to do about the stolen keys the person said they would reimburse me only $150 worth of my expenses for this. Now mind you, I pay over $120/month for comprehensive because I just bought my '04 Infinity i35 8 months ago off a lot and my deductible is only $200, so it seemed extremely low for what the situation was.
I checked my policy and found that Comprehensive covers damages caused by theft (the damages to the passenger side, all my locks and ignition needing to be replaced because they no longer work, etc.). I also found the bit of information they were trying to cite, on the "Extra Coverages" page under the heading of "Emergency Lockout Coverage". I figured that they had just made a simple mistake and were dealing with the claim/issue/question as if I had simply lost my keys.
I called back and was shocked and dismayed that the person could not actually confirm that for me at. All the employee of Nationwide Insurance could say was, that he though it would be covered because "It doesn't make sense for it to be any other way."
Allow me to break this down for you, my car has been stolen. The thief has the keys. I am looking at $400 just for a new set of keys. But I didn't just lose them you see, they were stolen, along with my car which has been damaged. Meaning that, I not only need new keys, I need a new ignition, door locks, shift lock EVERYTHING or the thief can just steel my car again.
I have Comprehensive insurance to satisfy the Banks security needs for giving me the lone. What is going on here? Is this company really using a nebulous grey area to completely screw over their clients and save on payout overhead? My entire life is on hold because I don't have the cash on hand to deal with this horrible situation. I still have not spoken to the adjuster since then, but truly hope that there is a misunderstanding.
My insurance needs to cover my loss like I pay them to. This is a theft and all repairs needed should be covered as what they are, otherwise this is just a fleecing of Americans for pseudo-protection money and I'm going to lose everything. Just do the right thing.

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

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

We have reviewed our file to address your concerns.  Our insured has a personal auto policy with a liabilitylimit of 100,000. The loss date was 7/4/2014 the loss was reported to Harleysville on 7/25/2014. This mostrecent response is from Mr. [redacted] E-mail to the Revdex.com.
We advised that any additional damages being claimed needed to be inspected by his carrier, [redacted]. They have paid for the damages to his vehicle, and we have reimbursed them through subrogation.
If there are additional damages, this will need to be confirmed and viewed by Mr. [redacted]'s Carrier, [redacted]. The estimate written by [redacted] appears to be written to industry standards.
I cannot comment on the practices and guidelines that are being used by [redacted] but the use ofnon-original factory parts is very common on an older vehicle, in poor prior condition. Wheel alignments arenormally only allowed when a wheel or tire is replaced.
We have accepted 100% liability for this loss and any supplements that are submitted by [redacted]will be reviewed by Harleysville, and paid, as long as the additional damages being claimed are loss related.
Our material damage file will remain closed.
Mr. [redacted] has also made reference to his unpaid medical bills. That portion of his claim is being handled byour casualty unit. Mr. [redacted] recently indicated he is being represented by an attorney. Since this is a 3rd partyliability claim, his medical bills will not be paid piece-mail. Our casualty unit will now be working with hisattorney to collect the necessary documents and when proper will evaluate that portion of his claim for a lumpsum, full and final settlement.
Should you require any further assistance in this matter, please contact our Customer Relations Coordinator,Patty G[redacted], at ###-###-#### or via email at [redacted]
Sincerely,Ronald O[redacted]###-###-####[redacted]