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Auto Insurance Claims/nationwide insurance


hi..need to ask something. a few weeks ago, i was slowing down for a red light that i was coming to. all of a sudden the guy behind me drove right into the back end of my car, totally destroyed the rear bumper. i have a police report. nationwide insurance is doing nothing with this; did not even send an adjuster over. seems they are refusing to help pay for damages and a loaner car. i call them and they dont answer the phone, and dont respond to voice mails. besides maybe a lawyer, is there anything i can do to make them do what they are supposed to do, besides nothing? thank you!

You haven't provided enough detail for me to answer with specifics.  What I can tell you is that insurance companies cannot decide "just not to pay".  If they are going to deny your claim, they have to provide an explanation.  In writing.

They have a duty to protect their insured.  If they refuse to pay, they are not protecting that insured.  The insured paid for benefits and the insurance company must make good on that agreement.

Here's what I suggest.  Call the carrier on a main number.  Give them your claim number and ask to speak to the claims manager overseeing that claim. Also ask for the manager's email.  If the Customer Service Rep refuses to cooperate, call back and speak to someone who will, even if you need to speak to a supervisor.

Explain to the claims manager that the adjuster is ignoring you and that you need an update on your claim.  You will need to be persistent.  Keep calling and sending emails until someone responds to you. Be assertive yet polite.

Above all, understand that if they are going to deny your clam, they must have a reason ... and they must deny it in writing. The reason must be contingent on a policy condition.

Good luck

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Jane Pytel


I can answer questions related to auto accidents, auto damage, auto theft claims, or personal injury claims. I am specifically suited to answer questions concerning insurance investigations and the effects of those investigations such as claim delays, claim denials, examinations under oath, or the special investigations unit. I can answer most any question that relates to proper claims investigations, or claims handling procedures and processes. I have authored several ebooks which provide claim guidance for consumers. Those books are available on Amazon Kindle: Power To Profit - will provide you with the knowledge you need to overcome the patterned obstacles that insurance companies will use to delay, devalue, or deny your valid insurance claim. The No Nonsense Guide to Accident Settlement - Teaches you how to manage your claim, how to identify the precise tactics likely to be used against you, and how you must respond.


12 years of experience with 3 major insurance companies. I hold an all lines adjusters license in Florida. I am well versed in claims handling, claims investigations, and industry standards related to both. The bulk of my experience stems from my 10 years as a police officer / detective. Building on that investigative experience, I became an SIU (Special Investigations Unit) Investigator. Accordingly, my unique expertise lies in the investigation of claims. What is necessary and related, what is not necessary and related? What constitutes a fair claims investigation? What recourse is available for consumers who suspect they are experiencing unfair claims delays? During the course of my experience, I became a certified trainer, instructing adjusters and investigators proper techniques for claims investigation and claims handling.

B.A., Communications, University of Miami 350 credit hours of intense investigative training, Miami Dade Police 80 hours of investigative training, various Federal Agencies, Miami, Fl Intensive Accident Reconstruction and Pedestrian Injury Analysis, NHTSA, National Highway Traffic Safety Agency, Oklahoma City, OK 2 weeks Auto Damage Appraisal, Winston Salem, NC Legal Principles Claim Specialist, AEI

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