ByHow To File Nationwide Insurance Claims Complaints
Nationwide Mutual Insurance Company, commonly known as just Nationwide, is the second-largest public insurer of homes and autos in the United States. The company was founded in 1929 by Ohio-born James Dale as "Nationwide Insurance Company of America" in Columbus, Ohio.
Despite its size and what might seem to be a solid business plan, Nationwide has had its fair share of problems with customer complaints over the years.
Most common complaints against the company revolve around insurance claims, with customers stating that the company refused to pay the claims that were legitimately filed.
Another major issue with Nationwide is that the company has had its fair share of problems. In the past, Nationwide was forced to pay $89 million in back insurance settlement fines for overcharging customers by inflating certain annual rates.
The company also had to pay a $25 million judgment due to a botched policy renewal scheme that made many customers believe they were paying lower rates than what their actual policies actually cost.
As of 2015, Nationwide has been able to work through many of the issues that have caused customer complaints. Since then, the company continuously reassesses its claims payouts and coverage standards for customers, which is a step in the right direction.
Nationwide has had its fair share of mistakes and lawsuits made against it in regard to claims issues. If you have encountered a problem with your claim or an agent's decision, this article will show you how to file Nationwide insurance complaints and how to send demand letters to the company in small claims court.
How To File Nationwide Insurance Complaints
If there's any trouble with your insurance claim and you want to complain about your agent's actions or decisions, the first thing you need to do is contact Nationwide and raise the issue with one of the company's support agents.
While you can reach Nationwide's customer service by dialing 1-877-669-6877, you'll likely just be referred to a customer support agent that specializes in a particular field (e.g., life insurance, auto insurance, pet insurance). This means you'll have to wait on hold to reach an agent, only to be told to dial a different number to connect to a representative that can help with your particular issue.
A much better approach is to visit the company's Contact Us page, select the type of insurance, and call the relevant phone number. Different rules and policies apply for various types of insurance claims, so you want to make sure that you're connected to a support agent that specializes in the particular field your claim falls under.
Alternatively, you can always email your complaint using the feedback form on Nationwide's website. What's worrying is the disclaimer under the form that warns the customers that the email is not protected and can be monitored, so we advise sticking to calling the company.
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How To File Nationwide Complaints
Reaching Nationwide's customer support isn't the issue. The problem most people have with the company is the fact that it denies legitimate insurance claims and refuses to pay for them.
On top of that, the Nationwide insurance claims process can be confusing and sometimes frustrating, and the company may refuse your claim based on the tiniest mistake you make during the process.
Nationwide insurance claims issues are usually resolved by sitting down with the company's support agents and going over each step you made during the process.
If you do think that your claim is being denied for unjustified reasons, here are your other options:
- Contact Nationwide in writing and file an official complaint with the company's Office of Customer Relations (Nationwide Headquarters, One Nationwide Plaza, Columbus, Ohio 43215-2220)
- File a complaint with the Better Business Bureau (BBB)
- File a complaint with the Ohio Attorney General
- File a complaint with the Consumer Financial Protection Bureau (CFPB)
- File a complaint with your state department of insurance (e.g., Ohio, Tennessee, etc.)
- File a complaint with the Federal Trade Commission
- File a small claims lawsuit against the company for refusing to pay your insurance claim if you have filed all of the above complaints and haven't been able to resolve the issue.
File Nationwide Homeowners Insurance Complaints With the BBB
The Better Business Bureau is one of the best places to go for help with insurance-related problems.
While companies can often be shielded from negative publicity and bad press due to their large size, the BBB focuses on companies that have a history of complaints against them and don't take complaints seriously.
To file a complaint about Nationwide, you can visit the BBB website and fill out the online complaint form.
File Complaints Against Nationwide Insurance With the Ohio Attorney General
Since Nationwide's headquarters are in Ohio, the Ohio Attorney General is a great place to file an insurance complaint against the company, especially if you believe that the company has acted illegally.
To file a complaint with the Ohio Attorney General, visit their website and fill out the online complaint form.
Filing a Complaint With the CFPB
If you believe that Nationwide acted unfairly or illegally in regard to your recent insurance claim, The Federal Trade Commission can help you out. The CFPB can help you file a claim by providing you with all of the information to do so.
To file a complaint with the CFPB, visit their website and fill out the online complaint form.
Is the Nationwide Complaint Department Ignoring You? Send Demand Letters To Nationwide in Small Claims Court
If you still think that Nationwide has acted in an unfair or illegal way in regard to your insurance claim, then you may want to consider filing a lawsuit against the company. Keep in mind that you can only send demand letters to companies in small claims court for damages up to $5,000.
The process of suing the company for your recent insurance claim can be complicated and drawn out if you're attempting to send demand letters to on your own.
First, you need to gather all of the relevant documents and paperwork that you need to prove your claim, as well as compile all the emails, transcripts, or screenshots of your correspondence with the company.
To file the lawsuit, visit your local small claims court website and fill out the online lawsuit form. If the small claims court in your area doesn't provide the online form, you will have to visit the court in person and file the claim with the court's clerk.
You'll also need to create a demand letter and serve it to the company, notifying Nationwide of your intent to send demand letters to and giving the company one final chance to settle the matter outside of court.
The demand letter must include the following information:
- Your name and contact information
- The nature of your claim
- The name of the company that you're filing the claim against
- The name, address, and contact information for your attorney (if applicable)
- A clear statement that you're suing Nationwide on behalf of yourself and not on behalf of anyone else.
- Your demand for damages, including the amount of money you are seeking in damages (explaining how much you believe the company owes you or how much money they owe to cover your expenses).
You should get a response from the company within three weeks of serving the demand letter. If they don't respond or reject your offer, then you can proceed with your lawsuit.
Nationwide has a history of ignoring insurance claims and refusing to pay them out. The company may try to work with you, but their aggressive business tactics have led many customers to feel like they're being treated unfairly and as though the company is taking them for granted.
Suing Nationwide in Small Claims Court With DoNotPay Is Fast and Easy!
A professionally written demand letter is necessary for a small claims court case. Unfortunately, hiring a professional to handle it for you can be expensive, and writing it on your own is not only complex but also risky.
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