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post #1 of 9 (permalink) Old 12-04-2003, 01:31 PM Thread Starter
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Warning about Nationwide

Nationwide will screw you hard on autorepairs after an accident. Make sure that your insurance policy has third party appraisal written in the policy.

I was rearended by a girl in a Nissian Exterra. I was in my 2001 Mustang Cobra. I was pushed into the car infront but that was pretty minor (new bumper and repaint of the front end). Although the damage looks minor the un-descrimating eye, it was infact majorly damaged underneath the car. All suspesion mounting points were cracked or buckled, the Floor pan was buckled and the front seat mounts were buckled. On the outside both fender were buckled, the bumper was sheraded, the trunk was cracked, the rear fender trim was cracked loose. And the lower front of each fender was buckled in. This last peice of damage clear indication of Oh Sh*t. This means that from the rear of doors the frame is pushed up. Even the Passenger side door now has bend in it and will not close or shut correctly. This accident even bent the rear sway bar that is about 1.5" to 2" thick. Rear differential housing has dent in it from the sway bar hitting it (drive train damage?).

So theres the damage. The first estimate from a nationwide blue ribbon shop said 5600 worth of damages. I looked at the estimate and it was evident that the car never went on a lift. Sorry I am taking it to someone who usually does all the work for me. Luckly I did. It was evident that the first estimate would have just addressed the cosemetics not the structure.

The Body Shop said 18000 worth of damage. Well Nationwide sent out a field adjuster and he did not see the floor damage and said 7600 worth of damage. He refused to accknowledge the major damage. I then hired a third party adjuster. He came up to a figure or 15300 worth of damage. All the major stuff of the body shop but some used parts instead of new and the hood was going to be repaired not replaced. I was ok with that. All the major things were addressed. Well the adjuster and the regional manager came out this time. "Put it on the frame machine and see if it pulls out" (see note 1 at the bottom)
Well it gets on the frame machine and the floor is still F-up. They come out again. Still a no on replacing the floor pan. But they do accknowledge 2400 more of damages. So I am still 5 to 8K below what it would cost to fix my car. All this and I was not at fault.

By the way I have a compression facture in my back.

Note1 Technically if a car suffers carrage compartment structural failure the car is to be automaticlly totaled. This is according to I-Car. The seat bolts and floor are evidence of strutural failure to the carrage compartment.
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post #2 of 9 (permalink) Old 12-04-2003, 01:47 PM
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Re: Warning about Nationwide

Originally posted by danscan
Note1 Technically if a car suffers carrage compartment structural failure the car is to be automaticlly totaled. This is according to I-Car. The seat bolts and floor are evidence of strutural failure to the carrage compartment.
That sucks. The other thing insurance companies try to do is use third-party parts which always suck. When they write the esimate, you have to make sure that you bitch until they agree to use OEM parts. Use of the word 'junk' when complaining about third-party has worked for me twice.

If your 'Note 1' is correct, there will be a PA state law. Unfortunately, unlike NJ, PA statutes are not available online. I looked and came up with this: http://www.state.pa.us/papower/cwp/v...&dsftns=31770. If you do come up with the statute that says a car has to be totalled if the passenger compartment is compromised, just shove it in the insurance company's face. If they still refuse, get in touch with the state insurance commissioner's office.

Good luck!
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post #3 of 9 (permalink) Old 12-04-2003, 02:00 PM
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Hello Guys,

I run a body shop and I feel your pain. Item 1 used parts are generally no problem. Aftermarket can be. Nationwide is stingy but all insurance companies are going to do what they can to lowball you. PERIOD. Hire an attorney if needed.

BTW I-Car is great but they do not write any laws or rules. They are a teaching and certification organization and they are well respected but their recommendations do not carry the force of law.

Technically if a car suffers carrage compartment structural failure the car is to be automaticlly totaled. This is according to I-Car. The seat bolts and floor are evidence of strutural failure to the carrage compartment.
On its face that statment makes no sense. If a complete floor pan replacement costs $10000 and the vehicle s worth $100,000 it is not totalled. In practical terms however the cost of repair in these circumstances almost always FAR overwhelms the value.

BTW one place that your attorney can get Nationwide is for the "diminished value" of your repaired car.

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post #4 of 9 (permalink) Old 12-04-2003, 02:08 PM
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post #5 of 9 (permalink) Old 12-04-2003, 02:17 PM
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Insurance companies suck...I got hit a this summer (not near as bad as you describe)...but ended up going through this ladies insurance...I had to fight for every nickel...she pushed in my bumper...the estimate was terrible...tried to take 50% betterment value of my bumper because there was a scratch in the chrome (ford explorer)...had to basically threaten to sue just to get the repair done right...ended up getting 90%.

I have State Farm...have been very happy with them...had one major accident with my Explorer...entire front end totalled and everything was fixed right...they did use a third party part to replace a rim...a couple years later that rim started having the clearcoat/plastic crack off...I complained and they guarantee the third party parts so it was replaced again for free. Helps that the body shop I deal with is an authorized state farm adjustor/estimator.

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post #6 of 9 (permalink) Old 12-04-2003, 03:14 PM
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Nationwide sucks. The one thing you may have done differently
is not allow it to go to a Nationwide Blue shop. The work hand in hand with Nationwide to screw the customers. Always pick your own shop.

The laws may be different in your state but in Maryland the insurance company can't force you to use their shop. Oh they'll
try and here we can file a formal complaint with the Insurance Commissioner. Nationwide uses junkyard parts whenever
possible and will do work which will void the factory warranty.
My agent came right out and told me so.

There is a company called Chubbs that is the best, hands down. I know they may cost a little more but when see the
policy and the control that you have, i.e. only oem parts, your get a comparable rental, not a shitbox econonbox, you pick the shop and you can have an agreed replacement value when you do your policy which can be changed upwards or down. etc.

If you have an insurance commissioner I'd go there and file a complaint asap.

They're quite an impressive insurance company. They cater to car people.

In Maryland we also have a law that's called 'diminished value',
i.e. if the repair is not done properly, especially in your case, you can get an appraiser to value the loss in value because of the sub-standard repair. And the insurance company has to eat. In most cases, they get stuck with the car and you get more money than you would have. You just have to go through sheer hell to get it. When they know you'll fight them and you know your rights (which sadly varies state by state), especially here in Maryland, they usually settle when hit the diminished claim.
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post #7 of 9 (permalink) Old 12-04-2003, 03:16 PM
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My rule of thumb is. If they are not acknowledging the damages. Give the keys to them, write out a check for your deductible and say that you want a car in as new condition within 6 weeks.
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post #8 of 9 (permalink) Old 12-04-2003, 08:01 PM
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When I was in Iowa, I read my policy and it said that I could choose any shop I wanted to do the work. It's then up to the shop and my insurer to work out the details. I don't know if it was State Law or just Progressive's own policy, but that's exactly what I did. I had my preferred place do the work and they Progressive had to pay them whatever they wanted. Progressive wasn't too happy with me, but I read my policy and knew my rights. You should read your's and look to what state law says.

I believe in MN, you can choose whatever place you want as well. Just that insurance companies have "preferred" places and will only warranty the work for life from those "preferred" places.
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post #9 of 9 (permalink) Old 12-07-2003, 02:04 AM
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One main thing DON'T sign off anything and question the repairs...this willl make them think you may know more than expected? It has worked for me in a previous accident...I knew (from my own knowledge) that there was more damge than the assumed...yet when complasined about the body shop aggreed to a $50 less write off difference and they fixed it so I sold it. I had it fixed plus a few other issues afterwards and insurance complied...as I am far from stupid agreed and did it...So watch and learn and do what's best for you! As far s your concerned and voice they will listen usually...hopefully...As I do have a great insurance Co. Good uck,
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