What happens if I disagree with Nationwide’s decision on my car insurance claim?
If you disagree with Nationwide’s decision on your car insurance claim, you can file an appeal. Start by learning why Nationwide denied your claim, and then gather all evidence and documents related to the accident or other damage before writing a formal appeal letter.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Feb 11, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Feb 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Auto insurance companies like Nationwide will deny claims for several reasons
- If you disagree with Nationwide’s decision on your car insurance claim, you have the legal right to file an appeal
- You might also consider hiring an attorney to assist you with your appeal
As a Nationwide auto insurance customer, you assumed that the company would cover any damages to your vehicle in the case of an accident, minus any deductible amounts. So understandably, you were very surprised when Nationwide denied your claim after you were in an accident.
This situation probably has you wondering, “What happens if I disagree with the insurance company’s decision on my claim?” Keep reading to learn the answer to this question, as well as information on why the claim might have been denied, including not having certain types of car insurance coverage on your policy.
What To Do When You Disagree With Nationwide’s Decision On Your Car Insurance Claim
Learning that your auto insurance company has denied your claim can be a very stressful experience. Fortunately, the decision is not necessarily final. If you disagree with Nationwide’s decision on your car insurance claim, you have the legal right to file an appeal.
Most auto insurance companies have an appeals process in place, so start by contacting your agent, if you have one, to ask how to start the appeal.
You will probably have to write a formal letter disputing the denied claim, and if there is a great deal of damage to your vehicle, you might want to consider hiring an attorney to help.
Read more: What to do if a life insurance claim is denied?
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Other Steps To Take If You Disagree With Nationwide’s Decision On Your Car Insurance Claim
For your appeal letter to be as accurate and thorough as possible, it is important to learn why Nationwide denied your claim. You should have received a letter from the auto insurance company stating all the reasons for the denial; read through it to see what reasons were given.
Read more: What should I do if my car insurance claim is denied?
Next, gather as much information as possible about the accident or other situation that caused your vehicle to be damaged. This includes police reports, detailed copies of your auto insurance policy, including if you have full coverage car insurance, eye witness statements, and photos and videos from the accident scene.
Reasons Why Nationwide May Deny a Car Insurance Claim
There are several reasons why Nationwide could deny your auto insurance claim. For instance, you might not have enough car insurance coverage on your policy to cover all damages.
For example, if you have $20,000 in property damage liability coverage but hit another vehicle worth $30,000, you would probably be liable for the $10,000. Another reason your claim might have been denied is that you were in an accident with an uninsured driver and did not have uninsured motorist coverage.
Read more:
- How does the car insurance claims process differ for uninsured/underinsured motorist coverage with Nationwide?
- What information do I need to file a car insurance claim with Nationwide?
Tips On How to Avoid Nationwide From Denying Your Car Insurance Claim
If you are in an accident or your vehicle is damaged in another way, you can file a claim on the Nationwide website. Submit as much factual data and photos as possible to prevent your claim from being denied due to insufficient information. Nationwide has broken down the claims process into four steps:
- Basic information
- Accident details
- Services
- Claim summary
If you have questions about any of these steps, contact your agent, if you have one, for help. Your agent can verify what your auto insurance policy covers and what might be excluded, which may help lessen the chance of your claim being denied. Provide as many details as you can in the letter.
You can also research Nationwide insurance review to learn if it’s common for the company to deny claims.
Case Studies: Disputing Nationwide’s Decision on Car Insurance Claims
Case Study 1: John’s Denied Claim
John, a Nationwide auto insurance customer, was shocked when his claim for damages from an accident was denied by the company. Frustrated and seeking answers, he decided to file an appeal.
John started by understanding the reasons for the denial, gathering evidence related to the accident, and drafting a formal appeal letter. This case study examines John’s journey through the appeals process and the steps he took to dispute Nationwide’s decision.
Case Study 2: Sarah’s Insufficient Coverage
Sarah found herself in a similar situation when Nationwide denied her claim due to insufficient car insurance coverage. She had property damage liability coverage of $20,000 but caused damage to another vehicle worth $30,000.
Sarah explored her options and learned about uninsured motorist coverage. In this case study, we follow Sarah’s efforts to dispute Nationwide’s decision by understanding the coverage limitations and taking necessary steps to prevent claim denial.
Case Study 3: Mike’s Thorough Appeal
Mike, another Nationwide policyholder, was determined to fight the denial of his car insurance claim. He carefully reviewed the denial letter and identified the company’s reasoning.
Mike went on to gather extensive information about the accident, including police reports, eyewitness statements, and photos from the scene. This case study delves into Mike’s meticulous approach to building a robust appeal and his experience throughout the process.
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Final Thoughts On What Happens If You Disagree With Nationwide’s Decision On Your Car Insurance Claim
Finding out that Nationwide denied your auto insurance claim can be very difficult. Fortunately, you do not have to accept the denial as the final word.
Instead, if you disagree with Nationwide’s decision on your car insurance claim, go over your denial letter carefully to understand the company’s decision, then take your time collecting information that supports your case and write a robust and detailed letter of appeal.
Frequently Asked Questions
Can you argue with an insurance claims adjuster?
If you feel that the damage appraisal amount is too low, you can try to negotiate with your insurance claims adjuster.
How do I argue against an insurance claim?
You have a right to appeal a denied insurance claim. In addition, you can ask your insurance company to conduct a full review of its decision.
How do I fight an unfair insurance claim?
Start by reviewing the claim you filed and the reasons it was denied. Then, if need be, hire an attorney to help with your appeal.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.