My own experience with Nationwide Insurance Company.
I never write these things maybe because English is mysecond language or maybe because Im easy to deal with but this time I willmake exception. Used to have nice highly modified 2006 Subaru Impreza WRXSTi. Car was bought new and after few months once I start paying my loan Istart slowly modified my car. I spend 2 years and over $15000 on modification, labor and parts. It was my baby and I really love that car. Anyway one nightwhile I was driving home from work my car got totaled. I was not in fault. Driver of the other vehicle just simply make a u-turn right in front of mewhile I was passing him driving aprox. 47/mph. I didnt have a time to eventouch my brakes and I t-bone him in same speed. A result was devastating. Mycar was destroyed but I walk away with broken wrist and dislocated shoulderresulting tear in my cartilage. Driver of the other vehicle was charged withimproper line change and on top of that he was arrested for driving while hislicense was revoked.
The nightmare begun Next day I call Police department and let them to fax mereport and start calling my insurance and also his insurance which wasNationwide. First impression was great they tried to get as much detail from meand I told them everything. I didnt forget mention how special my car was andhow much time I spend. That same day I went to a hospital to get propertreatment because my wrist start swallow and my shoulder start hurts. Anywaynext day there was already agent from Nationwide coming to my house to let mesign some paper he told me it will take only few minutes. I told him he needsto be at my house no late than 8am since I have some appointment line up. ThanI start thinking what papers he wants me to sign and after I talk few myfriends I call my lawyer to ask for advice. He told me to not sign anything. Next day that agent call me at 8:05 telling me he is late so I told him if hecan just simply send me those papers so I can read them and show them to mylawyer. Right after I mention I have lawyer he turns from Mr. Nice Guy in toa complete jerk and he hang-up on me. From that point I know I have to be verycareful what Im going to do. Quick highlights:- After 3 days They give me rental the lowest Ican get so from nice $40k car I was suddenly in Chevy Aveo - They send adjuster and after that they come up withfirst offer $22700 and if I want to keep my car I will have to pay $4000salvage value. That was my mistake because I send them complete list of partswith pictures and how much I spend on them (Fair market value at that time was$23K-$24K for stock car). I told them its not the right price especially withall those parts but they told me they will not honor my parts. So I reject thisoffer.- Two day later I receive letter since I rejecttheir offer they will no longer provide rental and they will no longer pay forstorage fee. I pick up rental on my name and after 3 days I bought another carfor daily commute.- I was told by my lawyer to wait. Adjuster whowas handling my case her name was Ashley Freeze try to push this deal and she wasusing some scare tactics and typical BS - I sent them my counter offer $2000 more thanthey offer me. I already swallow Im loosing $7000 just like that on my partsand I simply just dont want to pay them $4000 salvage value especially sincethere was my parts and labor they dont want to pay in first place - Two weeks later she left the job or got transferredand new person replace her. It took another 2 weeks before new person repliedand again with same offer. She was arguing on my counter offer. She was sayingTHEIR adjuster with 50 years of experiences appraised my car for this amount and thats it Well that adjuster whenhe first saw my car, and this is I know from peoples who works at the shopwhere my car was, he said I have no idea where to start than he ask questionlike Is this car come from factory with wing and HIDs? Well of course itdoes it is STI so I dont know what experiences he has but I know more than hedoes about this specific car since I work on those for 3 years. Again she was arrogant and laughs at me oractually at my lawyer who step up for me. Her last name is McDonald.- Another 3 weeks later my lawyer receive letterwhich clearly says. If I not respond to their offer they will assume I want tokeep my car and they will give me that $18k like they said in first place. Wellwhat kind of BS is that? How they can force me to accept offer I reject firsttime? Of course they cant but I dont like if somebody deal with me like that. They have no rights to do that. Again letter was sign by Ms. McDonald.- So now after 2 months since their customerdestroyed my car and hurt me. I already spend over $2500 out of my pocket formedical bills and only what Im getting is this. Its frustrating and I dont like this I have a power andyou dont kind of deal at all. Im asking how this could be allowed and Imsurprised how they can still exist. Im the one whos got hurt, lost money butdidnt do anything in first place and Im being punished and hurt left andright. I hope people will read this and I make sure post my experiences on manyboards and review sites.
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