Filing Nationwide Claims After Auto Accidents

Nationwide Mutual Insurance Company

Nationwide is a conglomerate of financial and insurance companies that are based out of Columbus, Ohio. They have several regional headquarters including one in San Antonio, Texas.  In addition to the regional headquarters, they have local agents and staff counsel in every major city in Texas. They employ over 35,000 people across the United States so they are no mom-n-pop company.

Allied Car Insurance Claims and Nationwide Claims

Allied car insurance is a part of the Nationwide Insurance family.  Although they maintain a separate website, both websites bear the Nationwide logo and both state that they two companies are “united under one brand.”  The do, however, maintain their own phone number for claims.

Nationwide Claims Adjusters

Nationwide employ their own claims adjusters to handle car accident claims. It is not uncommon for any insurance company to review your medical bills, submit them to their own “audit,” and offer you less than the actual cost under the banner of “reasonable and necessary” medical care evaluation.  If an adjuster does this in your case, you may have no option but to file a lawsuit to get the full bill paid.

Nationwide Class Actions

If you do a little Google research, you will learn that Nationwide has been the subject of several class actions.  Of particular note, in 2012, they settled a class action in Delaware that alleged that Nationwide improperly refused payment of medical benefits under PIP insurance after the bills were audited down by a computer. (See Hart v. Nationwide Mutual Fire Insurance Company.)  Computer software audits of medical bills are extremely common by car insurance companies these days and if they are using them on their own clients, rest assured they are likely to be using them on insurance claims filed by non-clients.  Bill auditing software often results in lower offers on the medical bills that the balance owed.

 

Insurance Staff Counsel in Texas

The ethics of insurance companies having staff lawyers who defend their insureds has been the subject of much debate.  However, challenges to this practice have been unsuccessful in stopping it in Texas.  The debate centers around whether a lawyer can truly maintain impartiality when he draws a paycheck directly from the insurance company but his duties are to represent the individual client’s (defendant driver’s) best interests even when they are opposed to the insurance company. So long as Texas allows this, you need to be aware of what it means when dealing with companies that use this practice.

Because Nationwide employs staff counsel, they do not have to pay an attorney’s hourly billable rate to defendant a typical car accident claim. This means that threats of litigating against them will often fall upon deaf ears since they do not have to pay expensive attorney fees to defend the case. It gives them the power to use stall and delay tactics in paying claims to try to get the claimant to settle for less without the insurer incurring a substantial cost.

What Insurance Companies Don’t Want You to Know

Hire a Law Firm that Has Gone to Trial Against Nationwide

Nationwide has the size and staff to fight your claim. Furthermore, all insurance companies increase profits by holding down the settlement value of your claim whether by stalling and delaying it, taking trick-question detrimental recorded statements or frustrating you into not getting the medical care you need. Shouldn’t you have a lawyer on your side, too? Insurance companies know who will take the case to trial if necessary and who will not. Our trial attorneys have been to trial against Nationwide’s staff counsel.  At Simmons and Fletcher, P.C., we will fight for you so that you can focus on healing while we seek to maximize your recovery.  Call Simmons and Fletcher, P.C. today for a free case evaluation: 800-298-0111.

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Author

Paul Cannon

Paul Cannon has practiced personal injury trial law since 1995. He is Board Certified in Personal Injury Trial Law (2005). He has earned recognition as a Super Lawyer by Thompson Reuters in 2017 & 2018, and as a Top 100 Trial Lawyer by the National Trial Lawyers Association in 2017. He is a Shareholder, trial lawyer and online marketing manager at Simmons and Fletcher, P.C. His legal writings have been published by the Texas Bar Journal, Business.com, Lawyer.com HG Legal Resources, Lawfirms.com, and others. He has been asked to give education talks and media interviews on dog bite law.