“Nationwide is on your side,” as they say. But that doesn’t necessarily mean collecting on your claim for personal injuries from a car accident will be easy. Consumers have had such a difficult time in collecting from insurance companies that CNN has recently reported, “Chances are good that you will be in the fight of your life to get the insurance company to pay all the medical costs you incur — even if the accident was no fault of your own.” For many insurance companies, the pain and suffering you experience is based upon previous similar cases from your geographical area.
Nationwide is one of the largest car insurers in the country. They handle thousands of claims everyday and insure millions of motorists. Nationwide was founded in 1926 and is headquartered in Columbus, Ohio. To reach their national office, dial 1-877-669-6877. When filing a claim with Nationwide, check out their online resources at http://www.nationwide.com/auto-insurance-claims.jsp. In addition to insuring your vehicle, Nationwide also offers windshield replacement, towing, roadside assistance, and rental cars, for additional costs and depending upon your policy.
If you’re injured in a car accident in Alabama and are filing a claim with Nationwide, we hope you find this article helpful in navigating the claims process. After an accident, check for injuries, contact the police, and write down any relevant information (including the license plate numbers, names, addresses, and insurance providers of the other parties) with as much detail as possible. Move your vehicle to the side of the road if possible. Make sure your car isn’t damaged further after the wreck.
After completing these initial steps, begin the Nationwide claims process by filing a claim online or on their mobile app, calling their national claims office at 1-800-421-3535, or contacting your local Nationwide agent. When you’re ready to file a claim, make sure you have the names and addresses of witnesses and other parties, information about the damage to your vehicle, any personal injuries you suffered, and your policy number, if applicable. As always, review your policy before calling to make the process smoother.
After you file your claim, an adjuster will start the claims process by contacting you. To find the name and number of the claim representative handling your case or your claim number, login to your Nationwide account, look for the Account Access tab, and click “Check on a Claim.” To check the status of your claim, click “Check a Claim” as well. If you’ve experienced damage to your car, make sure you keep accurate records of repairs and keep all receipts. If the vehicle damage came as the result of a crime, notify the police.
In understanding how your settlement will be calculated, we must first address general and special damages. Special damages are those that you can easily calculate such as lost wages, medical bills, and vehicle damage. Your pain and suffering is calculated as general damages and is more difficult to calculate. In determining what general damages you will receive, Nationwide may apply a multiplier to your special damages based on the severity of your wreck, injuries sustained, recover time, circumstances of the wreck, and other factors. Many insurance companies use a computer program called Colossus to calculate your settlement. Nationwide is one of them, according to the Consumer Federation of America. Exercise caution in giving a statement or information to an insurance company as they are typically looking out for their own interest over yours.
If your car accident resulted in a personal injury for you or a loved one, you should strongly consider consulting an experienced personal injury attorney. The claims process can be difficult to navigate, especially where personal injuries are involved. Insurance companies all too often make it burdensome to settle your claim. If the accident has kept you from working or has caused you to suffer mentally, you may be able to recover financially. To avoid running into the two year statute of limitations, contact an experienced Alabama personal injury attorney as soon as possible.
For a free and confidential consultation on your personal injury claim, call or email us today.