Nationwide

Thank you for the opportunity to review and respond again to our member's inquiry.
The additional evidence has been reviewed by Nationwide. Based on material misrepresentation and/or numerous false statements that were clearly documented in the examination under oath, Nationwide Insurance maintains the decision that a denial is warranted in this matter.

[redacted]
This inquiry has the incorrect insuring company name and NAIC #. Please update your files with the correct information.CORRECT INSURING COMPANY NAME: Nationwide General Insurance CompanyCORRECT NAIC #: 23760
Thank you for your recent inquiry...

regarding a complaint you received from [redacted]. As Total Loss Material Damage Claims Manager, I have reviewed this claim file and would like to address [redacted]’ concerns. If I do not provide the information you need for this matter, please do not hesitate to let me know. [redacted] has a Personal Auto Policy with Nationwide General Insurance Company.[redacted]’ 2010 Nissan was struck while parked and unattended on October 29, 2014. The Nissan was inspected on November 5 and deemed a total loss. An offer was made to [redacted] on November 7 and she was paid in full in the amount of $8,450.57 on November 21. The concern regarding [redacted] would pay the $250.00 deductible
Our [redacted] initially advised [redacted] that we would seek the deductible from [redacted] in the subrogation process; however, [redacted] later accepted 100% liability for the loss and the $250.00 deductible was not applied to the settlement amount paid to [redacted].
The concern regarding the claims associate promising credit would be given toward the total loss settlement for her brake repair[redacted] did advise that she would submit the receipt for the brake work, which she did, to see what the repairs would add in value to the vehicle. [redacted] did not have the authority to give the credit. We apologize for any presumed error.
The concern regarding the deduction of the $250.00 deductible from the settlement and the allowance for the parts on the brake jobAs noted above, there was no deduction of $250.00 from the settlement. The receipt for [redacted]’ brake work was submitted to CCC for consideration and that repair work added $89.00 in value to her vehicle. The limit of our coverage is the actual cash value of the vehicle; therefore, the brake work itself is not covered in full but, what it adds to is the actual cash value of the vehicle.
Based on my review, this claim was properly handled. However, I am sorry that the outcome was not satisfactory to [redacted]. 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 contact [redacted] at ###-###-#### or email her at [redacted]
Sincerely,[redacted]Nationwide Insurance###-###-####[redacted]

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

            [redacted]                     
[redacted]       [redacted] 
Thank you for your recent inquiry regarding a complaint you received from Mr. [redacted]. As Claims Manager, I have reviewed our claim file and would like to address Mr. [redacted]’s concerns. If I do not provide the information you need for this matter, please do not hesitate to let me know.
 The concern regarding our settlement offer for the total loss of Mr. [redacted]’s vehicle,   
Mr. [redacted]’s vehicle, a 2000 Nissan Pathfinder, was identified as a total loss due to the accident with our insured on February 20, 2014. A settlement offer of $1695.98 was extended to [redacted] on February 27, 2014, for the full actual cash value of his vehicle including payment for all applicable fees. Following is the settlement outline for that offer. 
Actual cash value:   $3919.00
Applicable tax:          $235.14 
Fee:                                   $75.25
Total settlement:       $4229.39
The actual cash value was based on a current local market survey, and took into consideration the vehicle’s mileage, options and overall condition at the time of the loss. 
In addition to the settlement for the vehicle, a rental car was provided to Mr. [redacted] through March 6, 2014 for a total of 14 days. The full cost of rental was paid by [redacted].  Full payment for our settlement offer was issued to Mr. [redacted] on March 5, 2014 upon our receipt of his signed vehicle title. We have reviewed the facts of our settlement with Mr. [redacted] and find that the amount paid for his vehicle was fair and reasonable. If you should need additional information related to this matter please contact me.
Sincerely,
 [redacted]
[redacted]##-###-####

At the time of the accident [redacted] and [redacted] were both [redacted] resident's they voted in [redacted], they stay at stacy's mother after [redacted] and [redacted] caught fire and was destroyed.  [redacted]'s mother lived at [redacted] so the information on the application was correct.  The insurance company saids garage's at this address and yes it was there was no option to say parked in drive way.  Nationwide is very known for not paying out claims that may cost a lot. We did buy a home at [redacted] as a second home vacation home like most snow birds. This is a excuse that Nationwide is using to not pay out the claim.  My question to nationwide is are they planning to not pay any snow birds or anyone that comes to [redacted] for vacation or a short stay. We stand that we want the policy to be honored we did have declaration page at the time.  Or We will be forced to ask a [redacted] federal judge to make nationwide honor the policy and pay out 2 million dollars in punative damages and all medical for the next 10 years and value of the car and to pay everyones cost that was involved in the accident. If we can not get revolved we will take to the [redacted] attorney general and [redacted] attorney general and private attorneys and seek out the assistance of the media for the news and national papers.
We expect 25,000 paid to [redacted] and 5,000 paid for car and all of medical bills paid because he is getting to the end of treatment.  This offer is only good for 30 days. 
Regards,[redacted]

The address listed in this complaint is the correct address not [redacted]. I do not get mail from there anymore. They should stop pmt and send to the correct address listed here in this complaint. Otherwise, I have reviewed the response made by the business in reference to complaint ID####, and find that this resolution is satisfactory to me once the refund is reissued to thee correct address.
Regards,
[redacted]

[redacted]...

[redacted]
In response to [redacted]’s complaint, we apologize for the delay in the processing of your claim filed.  Reviewing  the  Case , multiple attempts had been made in contacting our insured causing delays.  We were in communication with your carrier and they were made aware of the communication challenges.  At this time we have processed the claim and repairs have been arranged. Again, we apologize for the inconvenience.  
Sincerely,
[redacted]

1 I live 3 miles from golf course. [redacted]
2 [redacted] is a golf cart community. When you live in [redacted] home, golf cart is covered
3. I have spoken with other local agent. Every agent states golf cart is considered a property if you live in [redacted].
4. I request Nationwide to speak with local agents( [redacted] for example)
Regards,
[redacted]

Please accept this letter as a formal response to the follow up questions regarding the Work Training
Center, Inc. 403(b) Plan (Plan), administered by [redacted] Administrative Services, Inc (TPA) andserviced by Nationwide Financial (Nationwide). I appreciate the opportunity to address any concerns.
I apologize for any confusion as far as who was at fault for the lengthy processing time for this loan. Ispoke with Ms. [redacted] initially on December 9, 2015 and relayed to her the information we had at thattime. Upon further review of the situation and conversations with the TPA, new information came to lightregarding the reasons for the delay in loan processing. On December 10, 2015, another representativereached out to Ms. [redacted] to provide the updated information. He was unable to reach Ms. [redacted] andhis call was never returned.
According to our records, the first loan initiated in the system by the TPA was on November 24, 2015.Prior to that, our system does not reflect a requested loan. This was the beginning of a string of issues thathave been outlined to Ms. [redacted], including the system issue that was discovered. which was preventingthe loan funds from being issued once the loan was approved. This string of issues is the reason the loanhad to be cancelled and resubmitted so many times. Each was an effort to get the loan processed.
Please be assured that this issue was worked diligently from the time of receipt until the funds weresuccessfully issued on December 11, 2015. I sincerely apologize for any inconvenience this situation hascaused, and I hope to have the opportunity to restore your faith in Nationwide in the future. Should youhave any additional questions or concerns regarding this matter, please feel free to contact me directly at###-###-####, weekdays between 8:00 a.m. and 400 p.m. Eastern time.
Sincerely,

[redacted]        [redacted]                [redacted]     [redacted]               [redacted]   
Rebuttal to [redacted] rebuttal.
This letter is in response to the rebuttal by [redacted] to our original response for the above referenced complaint and correspondence received by Nationwide on April 30th, 2014.
Policy:  ########
Issues:  The policyholder, [redacted] makes several assertions in her rebuttal regarding the overall claim handling that Allied Insurance would like to address.  Those assertions include; unprofessionalism, insufficient remuneration and unethical business practices.
Unprofessionalism:  
Failure to Act in a Timely Fashion.
 [redacted] contends she was not paid timely for her loss of rents to the extent that she would be unable to make her mortgage payment by 1/15/14.     [redacted] acknowledges a payment was completed by electronic transfer on 1/13/14 but fails to acknowledge a prior payment had also been completed on 1/8/14.  A copy of our check listing below shows said payments.
[redacted]  1,600.00  2014-01-13 ###  [redacted]  Cashed  Claims EFT D-FLR  1,600.00
[redacted]    1,273.00  2014-01-13   #####  [redacted]  Cashed  Claims EFT D-FLR  1,273.00
[redacted]    1,887.60  2014-01-10  #######   [redacted]  Posted   Mechanical D-FLR 1,887.60
[redacted]  1,600.00  2014-01-08  ###### [redacted]  Cashed   Claims EFT D-FLR  1,600.00
Failures to Address Concerns
During [redacted]’s and [redacted]’s initial contact [redacted] advised her management company had arranged for emergency services.  Therefore, we did not initiate the same.  Additionally, costs to cover the fire damaged section of the dwelling would have been significant only to protect a section of the dwelling that required a rebuild.  
 
We have apologized to [redacted] on numerous occasions for her and [redacted]’s first meeting at [redacted].  This meeting occurred outside of normal business hours, on a Saturday, to accommodate [redacted].  [redacted]’s intentions were sincere by meeting [redacted] on a Saturday at a location near her residence in [redacted] so that she would not have to travel far.  I cannot speak to [redacted]’s personal impressions of [redacted].  I can only offer that [redacted]’s customer service results for the company are, and have always been, good.
Failure to Disclose Pertinent Information
As outlined in our prior correspondence, we met with [redacted] in [redacted] on 2/11/14 and 3/31/14.  [redacted] had met with [redacted] on  
1/25/14 and had spoken with her by phone multiple times.  I too had a lengthy conversation with [redacted] on 2/5/14.  We have made numerous attempts to  help [redacted] understand the claims process and loss settlement provisions.           
Following our meeting of 2/11/14 we explained our duty to pay the claim for amounts we owed at that time.  Payment options were explained to [redacted] as part of this meeting.  The payment options included either one check to her and the mortgage company for the actual cash value payable or two checks; one to her and her mortgage company for the payoff of the mortgage and a second to her for the balance of the actual cash value payable.  [redacted] advised she would get back to us in a few days regarding how she wanted payment disbursed.  On 2/12/14 she faxed to us her mortgage payoff information.  On 2/13/14 payment for the actual cash value was issued via two checks per [redacted]’s request. Insufficient Remuneration:
As part of our evaluation of [redacted]’s damages we involved two local fire and water restoration contracting companies to aid us with a proper scope and estimate.  Currently our replacement cost repair figures, for which payment has been based to actual cash value, are agreed with two vendors capable of performing the work and returning the dwelling to its pre-loss condition.
Potentially Unethical Business Practices:
[redacted]
It was [redacted]’s property management company that placed the call to [redacted] for the emergency services and board up following the fire.  [redacted] is a preferred vendor for Nationwide and they were contacted by us to review the scope of work required and the estimate.      
[redacted]
 
[redacted] is a preferred vendor for Nationwide and they were contacted by us to review the scope of work required and the estimate. 
It is common for an insurer to consult a vendor capable of completing the repairs in an effort to bring credibility to the estimate.  In [redacted]’s case two vendors were consulted. 
 
Nationwide Insurance
We met a second time with [redacted] on 3/31/14.  She requested a second meeting to further discuss the claim.  As demonstrated through our timeline and actions regarding this claim we were always available to meet with [redacted].  She presented original invoices for window / door replacements, estimates for the complete demolition of the dwelling, an estimate for the complete overhaul of the electrical system to include code upgrades, an arbitrary and subjective square foot calculation completed by her to suggest additional amounts should be paid for the repairs and misc. items she believed she had not been paid for.  
In that meeting, we reviewed each of the documents in their entirety.  Her original invoice for the replacement of her doors and windows is much higher then the cost to replace the same doors and windows through the course of the fire restoration for the following reasons:  retail prices vs. wholesale prices; and labor efficiencies that come with door / window replacement where there is no trim, wall coverings and siding to work around.  The demo bids she presented were for the total and complete removal of the dwelling.  Our estimate includes amounts for selective demo to save reusable portions of the dwelling.  The electrical bid she presented includes the complete overhaul of the electrical system with code upgrades.  Our estimate includes the electrical work necessary to return the dwelling to its preloss condition.  Coverage for code upgrades is excluded under the DP3.  She calculated the square foot from the assessor’s site to contend additional amounts would be payable for the repairs.  Our square foot was derived from onsite measurements, in each room, wall to wall and floor to ceiling.  Lastly, we were able to point out to her that the misc. items were included as part of our estimate.   
As noted, this additional meeting was requested by [redacted].  She contends in her rebuttal that we encouraged her to obtain numerous estimates and fly back to [redacted] to meet.  This is not accurate, she did this voluntarily.  We provided her the estimate for which her payment was based on in our 2/11/14 meeting.  We explained then that we stand ready to consider any additional damages discovered and born on the claim.  The information she presented on 3/31/14 was reviewed and considered not impactful to the estimate and amounts payable for the reasons stated above.            
Conclusion: Currently our replacement cost repair figures, for which payment has been based to actual cash value, are agreed with two vendors capable of performing the work and returning the dwelling to its pre-loss condition.
Summary:  While we regret that [redacted] was not satisfied with her claims experience, contrary to [redacted]’s assertions in her complaint and rebuttal, we believe we have worked professionally, personably and ethically with [redacted] every step of the way through face to face meetings, phone calls, emails and letters.  Each step was taken in an effort to help her gain an understanding around our activities, the investigation, the evaluation, our estimate, and the resolution of the claim.  Additionally, it is our position that [redacted] has been compensated fairly and within a reasonable time under the terms of the policy.  
We appreciate the involvement of the Revdex.com Of Columbus Ohio regarding this matter.  Please do not hesitate to contact me should you have any further questions or concerns.  I can be reached either by cell ###-###-#### or by e-mail at [redacted] 
  
Sincerely,
[redacted]
Nationwide Insurance
###-###-####

I have received your correspondence regarding the complaint...

made to the Better Busines Bureau of Columbus Ohio, related to the accident on July 20, 2016 with a Nationwide customer. I have reviewed the file and would like to update you on the issues in which there were concerns.
 
It seems the complainant wants her medical bills paid. However, Kansas state law mandates that the first $2000 in medical bills must be paid by one’s own carrier. [redacted] Insurance, Ms. [redacted]’s automobile insurance carrier, is responsible for the first $2000 in bills. Once they pay $2000, she will then qualify for a bodily injury claim through Nationwide Insurance. Ms. [redacted] may want to contact [redacted] Insurance to get these bills paid. The handling adjuster is John F[redacted] and can be reached at ###-###-####.
 
In the letter Ms. [redacted] also indicated the Nationwide claims associate is never available and has not provided adequate information to her. During my review of the claim, I noticed the claims associate has left six voicemails for Ms. [redacted] to return her calls and none have been returned. We have also sent two letters, asking Ms. [redacted] to contact us. We would like information regarding how Ms. [redacted] and her son are feeling and if they have had any treatment. Ms. [redacted] can reach her bodily injury adjuster, Sheri A[redacted], at ###-###-#### between 7:30am and 4:00pm on Monday through Friday.
 
If you require further assistance, please contact our Customer Advocacy Coordinator, Claire S[redacted], at ###-###-#### or by email at [redacted]@nationwide.com.

3-3-2015
I buried my son on 12-29-2014.
I haven't had a mind to respond back until today.
I told Nationwide Insurance before I don't go on roofs. This is why I hired a roofing company to go on roof for the fourth time.
Since 2012 when we had this bad storm in [redacted]. They know this already. They can send another inspector out. But I will not give up on my roof being fixed.  Concerning Nationwide Insurance company. I will do what have to do.
[redacted]

It was my assumption that I would have insurance through the date of cancellation.  I had already paid for the day that I cancelled the policy on....do they pro rate by the hour, minute second?  If not, then they should pay my claim.  It is obvious that they are grossly denying my coverage.  Please ask them to send the transcript that I had the next call where their own represented admitted that I would not have known that the policy cancels the exact second...also, they did not explain to me what would happen via cancelling in writing vs via the online portal.  Obviously, in retrospect, I should have waited one day before cancelling, after I submitted my claim on November 7.  How was I to know that they would deny?   My original intention/and thought of what I was doing, was saying NO to the renewal, NOT the immediate cancellation anyway.  Tell them to do the right thing!
Please let me know if you need anything else.
Regards, [redacted]

[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted] 
This letter is in response to the complaint filed...

with your agency by [redacted]a regarding his Automobile policy.
Our records indicate the Auto policy was written effective October 25, 2014 and payment of $702.90 was received on October 17, 2014. On October 24, 2014, the Vehicle Identification Number was updated which caused an increase in premium of $86.70.
The policy was then cancelled effective October 25, 2014 as a request from the insured. The effective date of the policy was changed to October 28, 2014. The agent’s office then submitted a cancellation request effective October 25, 2014.
We have cancelled the policy effective October 28, 2014 so there is no coverage from Nationwide. A refund of $702.90 will be sent on November 18, 2014 as an Express refund. This means that the insured will get the refund on November 19, 2014.
I have included a breakdown of the account for your review.
Thank you for bringing this matter to our attention. We trust this will resolve all pending concerns. If you should have any questions or wish to discuss the matter further, please feel free to call [redacted], Office of Customer Advocacy Complaint Coordinator at ###-###-#### or email her at [redacted]
Sincerely,
[redacted]
[redacted]
Nationwide Insurance Companies
###-###-####, Ext. ####
[redacted]

This letter is in
response to the concerns filed by Beth Ferdinand regarding the collection
amount due after the policy was request cancelled effective September 24, 2016.
 Auto policy 6132P
166213 renewed August 16, 2016 with a premium of...

$871.34. Payment was made via
recurring bankcard August 16, 2016 in the amount of $145.22. $142.22 was
applied to the Auto policy and $3.00 applied to the monthly installment fee.Nationwide sent the second installment of $145.22 to the
bank for payment via recurring bank card on September 16, 2016. This payment
was rejected by the bank and returned to Nationwide.  A $25.00 non sufficient funds fee was charged per
our State filed and approved billing plan.
 A return item
notification was sent advising policy policy [redacted] would cancel
effective October 6, 2016 if payment of $173.22 was not received by October 6,
2016.
On September 30, 2016 Nationwide processed a request
cancellation effective September 24, 2016 which left a balance due of $161.51.
Per Nationwide’s guidelines that are found in the policy jacket and mailed when
the policy is incepted, in Section G3, Other Termination Provisions, Number 3: 
 “If the named
insured or a premium finance company cancels this policy, the premium owed or
premium refund due will be calculated according to the short rate provisions
contained in our manuals.” 
These rating guidelines and have been filed with the
North Carolina Department of Insurance and approved by the State. 
 If the policy had
been prorated, the collection amount would have been approximately $69.25 which
includes the $25.00 non sufficient funds fee and coverage for 39 days. 
 I apologize but,
we are unable to adjust the collection amount that is due as the amount is
correct. If you require further assistance, please contact our [redacted]r, Amy W[redacted], at ###-###-#### or by email at
 [redacted]
Sincerely,
Jennifer C[redacted]

I am responding to the above captioned Ohio Revdex.com complaint received for theautomobile accident that occurred on December 21st, 2015 in [redacted], Ohio. The claim wasreported to [redacted] Company (Allied) on December 22nd, 2015 and on this same...

datethe handling claims associate, Jennifer J[redacted], spoke with Ms. [redacted], who advised she did not havetime to discuss the accident details. On December 23rd, Jennifer J[redacted] obtained the police report andspoke with the insured driver, [redacted], and accepted liability for this loss.The investigation revealed that Ms. [redacted] struck Ms. [redacted] from behind and was liable for assuredcleared distance. [redacted] Police were called to the scene and a report was filed.
Jennifer J[redacted] then reached out to Ms. [redacted] on December 23rd to discuss the claim further and Ms.[redacted] would not provide a statement regarding the accident details and confirmed that she was infact injured and would be seeking medical treatment. Ms. [redacted] advised she would be using her ownautomobile insurance, [redacted] Insurance Company, to handle the property damage to her vehicle.
On January 7th, Ms. [redacted] and Ms. J[redacted] spoke to discuss the handling of the injury portion of theclaim where Ms. [redacted] advised of the injuries she sustained and treatment being sought with Dr.[redacted] Ms. J[redacted] presented an offer to resolve the bodily injury claim being presented; and Ms.[redacted] advised she did not wish to resolve her claim at that time. Ms. J[redacted] sent a MedicalAuthorization for Ms. [redacted] to complete. Claim associate Jennifer J[redacted] ran an ISO search inDecisionNet to determine if Ms. [redacted] had been involved in any prior losses. After running ISO therewas a match for Ms. [redacted] which was completed by her insurance carrier, [redacted] Insurance forthis loss. DecisionNet pulled her information including her social security number based off thegeneral information from the police report.
This Medical Authorization has not been returned by Ms. [redacted] and because we do not have herwritten consent, Allied has not contacted any medical providers as no such authorization has beenreceived. No information has been shared outside of Allied due to privacy practices and regulations.
On February 26th, Allied received a Property Damage demand from Ms. [redacted]’s carrier, [redacted]
[redacted]
Company in the amount of $4,078.28 which included the $500.00 collision deductible. Itwas reviewed and an offer was presented by our subrogration specialist to [redacted] Insurance.
Please know that we will issue the $500.00 deductible to Ms. [redacted] at this time and will send to herhome address immediately.
If you have any additional questions please contact Angela S[redacted], [redacted] Office of Customer Advocacy at ###-###-#### or [redacted]
Sincerely,Nicole B[redacted]

Thank you for your recent inquiry regarding a complaint you received from [redacted]. As Commercial Casualty Claims Manager, 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.Our insured carries a Premier Businessowners Liability policy that was active on this date of loss. On February 24, 2015, Nationwide received a liability claim for investigation in which it is alleged that on or about February 17, 2015, [redacted] fell in our insured’s parking lot in [redacted] due to a major snow event in the area. He indicated he sustained an injury in the accident, but did not seek any medical attention and that he had missed time from work.
The concern regarding the settlementDuring the investigation it was determined that between February 16 and 17 approximately 10 or more inches of snow fell in [redacted]. A State of Emergency was declared. [redacted] indicated that he left the hotel between 3:00 PM and 4:00 PM to eat dinner and, upon returning to the hotel, was walking in the parking lot and fell. [redacted] had full knowledge of the weather conditions in the area at the time of his fall.
When the snow event occurred our insured began working to hire someone to clear the parking lot of snow. They were able to find a company to complete the snow removal the evening of February 17. They were unable to get anyone out to the property earlier that day as this amount of snow is not a common occurrence in ** and there are only a few companies that do this type work.
Upon completion of our investigation, we determined that our insured was not liable for this incident. We have advised [redacted] of our liability decision. In addition, we have advised him that, as he did not seek any medical treatment after the fall, he has no information to support he sustained an injury or that any lost time from work was warranted. However, as a compromise of a doubtful and disputed claim we offered to resolve his claim for $500. [redacted] refused our settlement offer. It is our position that this is a fair resolution to this claim and we will be making no further offers.
Should [redacted] have any additional information that he feels may affect our decision he is free to forward that information to us for review.
Based on my review, this claim was properly handled. However, I am sorry that the outcome was not satisfactory to [redacted]. If you should have any questions or wish to discuss the matter further, please feel free to contact [redacted], Office of Customer Advocacy Complaint Coordinator at ###-###-#### or email her at [redacted].
Sincerely,[redacted]Nationwide###-###-####[redacted]

This letter is in response to the additional concerns filed with your agency by [redacted] regarding her automobile policy and balance amount.
Copies of the bills mailed by Nationwide to the insured prior to the balance being turned over to collections were provided with our response dated September 12, 2016. Nationwide provided two separate bills regarding the balance due prior to turning the account over to a third party for collection. These notices were sent to [redacted], the named insured, at the address on file with her account. As no response was received, the account was sent for collection.
The balance due reflects premium owed for coverage provided up until March 15, 2016, the date of cancellation requested by the insured. This balance will not be waived.If you require further assistance, please contact our [redacted], Janice K[redacted] direct at ###-###-#### or by email at [redacted]
Sincerely,Colleen F[redacted]

[redacted] is unaware that renovations were completed on my property within this 90 days she continues to reference. She NEVER acknowledges the FACTS that All these brokers [redacted] gave me to call wanted to speak DIRECTLY with him and he was NEVER available to speak with them as I could NEVER reach him NOR would he return a call. She is also UNAWARE that the Brent Johnson office CLOSES at 4:30pm daily and is NEVER open FULL business hours. Nationwide IS responsible for their negligence and FALSE claims. They are a VERY UNPROFESSIONAL and have NO business ethnics. I am NOT responsible for calls [redacted] would NOT make NOR am I responsible for him NOT returning my calls. I found homeowners insurance elsewhere might I add in 2013.
Regards,
[redacted]

The PDF form of Titan's does NOT show my signature.  I want to see MY ORIGINALLY SIGNED DOCUMENT, and I will know if it is my signature.  Anyone can leave the signature blank and fill out/type out the info, but WHERE'S MY SIGNATURE?  Besides, none of this was said to me...MY DOWN PAYMENT WAS TO START MY VEHICLE INSURANCE.  If I was told any of this about yearly purchase of insurance, early cancellation crap, etc., etc., I NEVER, IN MY LIFE, WOULD EVER HAVE PURCHASED SUCH TRASH.  Cannot believe this is being done.  What corruption!  The media really does need to get involved in this doings, and get the word out to people re this disgusting stuff they are doing.  It was my belief that I was buying regular/normal vehicle insurance for my car AND NEVER IN MY LIFE HAVE I EVER RAN ACROSS CAR INSURANCE WHERE YOU HAD TO SIGN UP FOR A YEAR.  WHAT CRAP!  PEOPLE SELL THEIR CARS SOMETIMES, WHAT KIND OF PRACTICE IS THIS.  Once again, I NEVER WAS TOLD ANYTHING RE YEARLY PURCHASE FOR VEHICLE INSURANCE.  I would have gotten right up and walked out that door.  My old Farmer's Insurance told me I'd be sorry when I told them I insured with Titan.  But, I never signed documents WITH MY SIGNATURE ON IT, to receive insurance in this manner.  If this is NOT SETTLED, I am contacting every news media I can think of so they can get the word out to the people.  I thought Nationwide was probably a great company, boy that's a joke.  BUT ALL THE PEOPLE NEED TO KNOW ABOUT THIS.  I've worked for lots of insurance companies, [redacted], with [redacted] (AUTO SECTION), and a couple more and never anything like this.  They had normal policies.  THIS IS INSANE!  ALL THE PEOPLE NEED TO BE AWARE OF THIS COMPANY ONCE AND FOR ALL.  
Regards, [redacted]

Dear [redacted],
Thank you for your recent inquiry...

regarding a complaint you received from our policyholder [redacted].   [redacted]’s 2008 Chevrolet Cobalt (Vin/4222) was determined to be a total loss due to an accident that occurred on 01/09/2015.  Nationwide total loss claim associate [redacted] attempted to contact [redacted] on 1/19/2015 to discuss his claim and left a voice message at the residence phone number.  On 1/20/2015, successful contact was made with [redacted] and a thorough explanation of the claim process was discussed.  Additionally, [redacted] went over the actual cash value of the 2008 Cobalt and reviewed he settlement offer on the vehicle.
Our estimate of record was written in the amount of $4,244.87.  The salvage quote for this vehicle was $481.98.  Based on the [redacted] statewide value and the base vehicle value, the average actual cash value was $3,165.00.  This valuation was based on a CCC One Market Valuation report to include comparable vehicles.  Additionally, in the State of [redacted], a consumer is eligible for the reimbursement of sales tax calculated on the total loss vehicle if they replace the vehicle involved in the loss within 33 days after settlement.  In this case, the eligible tax reimbursement would be $238.23. 
During our first conversation with [redacted], she indicated she would like to review the settlement offer with her husband, [redacted], and asked that we email a copy of our report.   Also during this conversation, [redacted] mentioned they may be interested in retaining the vehicle salvage.  [redacted] provided [redacted] with our salvage quote in the amount of $481.98 to retain the vehicle.  Additional contacts with the [redacted]s were established on 1/23/2015, 1/26/2015, 1/29/2015 and 2/5/2015. 
The [redacted]’s 2008 Cobalt was inadvertently pickup by our salvage vendor on 1/23/2015.  This was done by mistake and Nationwide acknowledges this.  The vehicle was moved to a safe and secure storage free facility in [redacted].  It should be noted the shop holding the [redacted]’s vehicle released the vehicle without the [redacted]’s consent. Nationwide has extended an offer of $250.00 to cover the [redacted]’s roundtrip expenses to the salvage yard to secure their personal items and license plates.  
[redacted] reached out to the [redacted]s on 2/5/2015 to discuss the status of their claim.   The [redacted]s advised [redacted] they would not be accepting the settlement offer citing it was not enough. [redacted] reviewed the CCC One Market Valuation report with the [redacted]s and sent another communication via email outlining our settlement offer.  [redacted] was out of the office 2/6/2015 through 2/9/2015.   Additional communications took place with the [redacted]s on 2/12/2015, 2/13/2015 and most recently on 2/18/2015. 
As of February, 19, 2015 a settlement agreement has not been reached.  Our current offer stands at $3,415.00 if Nationwide retains the vehicle and $2,933.02 if the [redacted]s choose to retain the vehicle.  We have reached out to the [redacted]s to review our offer and reaffirm Nationwide’s commitment to settle his claim.  Those attempts have been unsuccessful. 
Thank you for bringing this matter to our attention.   We will continue to try to resolve the [redacted]s, concerns. If there are any additional questions you may have, please do not hesitate to contact us.                                   
Sincerely, 
[redacted]                  
[redacted]