Nationwide AIN'T on your side

[Fencer]

This in non bike related but as discussed in this thread. I have issues with how Nationwide deals with claims.

I thought I had everything resolved but over the weekend I found a broken engine mount that was not caught on the earlier repair. Here we go again. They want to give $259 for and estimated $311 repair.

Keep in mind I am NOT their client and it was their client who was at fault. They are a pain in the ass to deal with "that is not Nationwide's policy" is all I keep hearing. I will get what I want, (I am a real PITA) but they are making it hard rather than just doing the right thing - Fix my truck to Pre-accident condition.

It is my duty to give them bad press now.

 

[mdisher]

This in non bike related but as discussed in this thread. I have issues with how Nationwide deals with claims.
I thought I had everything resolved but over the weekend I found a broken engine mount that was not caught on the earlier repair. Here we go again. They want to give $259 for and estimated $311 repair.

Keep in mind I am NOT their client and it was their client who was at fault. They are a pain in the ass to deal with "that is not Nationwide's policy" is all I keep hearing. I will get what I want, (I am a real PITA) but they are making it hard rather than just doing the right thing - Fix my truck to Pre-accident condition.

It is my duty to give them bad press now.

I would ask them for a referral to a reputable, certified shop that will fix it for you for $259.

$51 is about an hours worth of labor most places right?

Hassle them until you get what you're due.

-MD

 

[user 213]

$51 is about an hours worth of labor most places right?

Dang Renegade, you work on your own stuff, don't you? Std. shop rate around here is pushing $100 these days. $91/Hr at the VW dealer, $78 at the Mazda one. I'm glad I wrench on my own stuff.

 

[mdisher]

$51 is about an hours worth of labor most places right?

Dang Renegade, you work on your own stuff, don't you? Std. shop rate around here is pushing $100 these days. $91/Hr at the VW dealer, $78 at the Mazda one. I'm glad I wrench on my own stuff.

Yeah I suppose so, I can count on one hands the number of times I've let others work on any of our cars in the last 10 years that wasn't warranty work. I shy away from dealers in general because of the rediculous labor rates. I have a pretty reasonable guy when I do, and I negotiate a 'fair' price. I'm willing to come off the wallet for stuff I can't do, or don't want to do

 

[slapnpop]

(I am a real PITA)

At least you got that part right! :lol:

 

[Warchild]

[SIZE=14pt]Nationwide can just go suck green, AIDS-riddled donkey dicks!! [/SIZE]

I was a loyal Nationwide customer for a TWENTY-SIX YEARS, and never once had any claims.

Not one auto claim.... not one bike claim..... nothing.

Then in 2001, for no reason other than they SUCK SWEATY, HAIRY MAN-ASS, they decided here locally to simply get out of the motorcycle insurance business. To do so, they substantially raised their bike insurance rates.

By 425%. In one year. WITH NO WARNING!!!!!

My premiums went from $235/year (for FULL coverage for a 1997 ST1100 and 1993 CBR1000F) to just under $1100.00!!!!!!

I had (at the time) a spotless driving record, no tickets, no accidents or claims... I was astounded!!

When I called them to ask WTF and this can't be correct, etc, they replied: "Yeah, well, those are the new rates, as we've decided to discourage insuring motorcycles." :blink:

**** you, Nationwide..... :angry2: :angry2: :angry2: :angry2:

"Nationwide.... Is On Your Side" Shyeah, right; my dying ASS they are!!

 

[mdisher]

Tell us how you really feel Warchild, don't hold back now

 

[twowheelnut]

There's a very simple solution for the bully tactics (barring WC's, er, minor niggle of a company pulling out from a state or line altogether): Threaten to or do send all your documentation, phone call transcripts and such to your state insurance board. It'll cost 'em more to defend their position then to pay up. As soon as the claim is satisfied, jump. Your bill will skyrocket. Too, check local laws, but here providers cannot do that kinda ****. They have to pay the rate for repairs at your chosen repair facility.

 

[bramfrank]

Insurance companies know that they can get away with shorting clients a bit 99% of the time and they are prepared to fight the last 1% to the death, because it serves as a disincentive to others. I'm one of the 1% and I guess you are too.

I'm also guessing that they paid for whatever other damage was incurred in the accident and that you signed and cashed a check?

I suspect that there's fine print on the check stating that the claim is settled in full, so they *might* be able to hide around that waiver. On the other hand, a broken mount is 'hidden damage', so if they were decent about it they'd reopen the file and fix your vehicle.

I think you probably will wind up in small claims court - and you might not even win unless you can prove that the broken parts are irrefutably due to your accident.

It isn't just Nationwide, it is industry policy. Go get 'em.

 

[Kiki]

As an insurance insider, there are ways to have this paid, for not a ton of effort.

I assume that you signed a "proof of loss" form, outlining the extent of your damages, and i also assume that this new damage was found after you signed.

Your best bet is to file a small claim action in your local jurisdiction-- here it only cost 35 bucks. IN your action, you can include these unexpected costs of recovery.

Their counter, if they choose to fight, would be that they are paying out to replace a peice of equipment that was used, where in reality, they are paying to repair a vehicle to the same level it existed immediately prior to the accident. When an item is replaced, they have the option to pay "actual cash value" which is an amount based on replacement cost less depreciation-- the depreciation amount varies between states and provinces.

Unfortunately, although you are member of the general marketplace, you arent their client, so they are not just rolling over. I am not sure about your state, but the department of finance and securities there could probably do some bullying for you too.

good luck, and keep us posted.

 

[Bounce]

Bike-Line is just as bad. They waited until I had to file a claim to explain that they don't cover even a minimum of accessories without an additional rider and a detailed list of those accessories. Most other companies will cover something like $1000.00 if you have your receipts (Dairyland does $3000.00). It ended up costing my double my deductable in spite of having a previous bike with them that carried a rider for accessories in excess of the value of the bike (show Gold Wing); proving I had no problems carrying a rider when I knew it would be needed.