Fight Low Ball Settlement from Nationwide Insurance Injured? Lawyer up before you sign a check.

Nationwide Insurance Settlement Payout Process:

  1. Nationwide Insurance claim phone number: Call the number on the back of your proof of insurance card or dial the national phone number: (800) 421-3535.
  2. Claim time limit: Most states have strict yet complex statute of limitations rules such as “you must bring a claim within 3 years of the injury discovery date.” 
  3. Repair shops: Nationwide Insurance requests insurance customers to use a Nationwide-approved auto repair facility. In reality, you can go wherever you want for repair service.
  4. Settlement negotiation: Insurance companies like Nationwide Insurance Insurance Association have teams of professionals dedicated to limiting or denying your settlement payout. For small claims not involving injury, you want a lawyer for property damage or a bad faith insurance claim. If you were injured, a personal injury lawyer can help you assess all damages. 
  5. Reviews for Nationwide Insurance Insurance Association: Nationwide Insurance Google Review page 

How can I get a higher settlement from my Nationwide Insurance Claim?

Nationwide Mutual Insurance Company is a national conglomerate of insurance and financial services companies. They're no different than any other large insurance company, becoming wealthy by limiting or denying claims. The Milwaukee car accident attorneys of Warshafsky Law have extensive experience negotiating with insurance companies to secure the highest possible settlement for your car accident injury. Having attorneys who have worked for insurance companies in the past gives us inside knowledge of how insurance companies operate, so we’re well equipped to deal with their tactics.

Even less threatening injuries like whiplash can mean weeks of rehabilitation therapy, added bills, inability to work, etc. If you think the settlement is unfair, it probably is! Warshafksy attorneys can help you make a counteroffer and keep the insurance company from lowballing you again. If your injury occurred while on workplace property while using workplace vehicles, or while carrying out duties on the job, schedule a free consult with our workman's comp lawyers to discuss the true value of your injury claim.

The best way to maximize your insurance settlement claim amount is:

  1. Preserve records and expenses (can be used as evidence)
  2. If you are injured, get medical treatment
  3. Do not accept low offers & negotiate
  4. Come with a price in mind
  5. Record future damages (i.e. if you cant go to work, you will lose out on money)

Injured? it is about the money®

Factors affecting your Nationwide payout

Early in the claims process with Nationwide, an insurance adjuster will interview everyone involved in the accident. The adjuster will gather as much information as possible from:

  • the police report
  • passenger and witness statements
  • photos and measurements from the scene
  • researching repair estimates
  • anything you say

During this process, you may be asked to sign medical authorization forms granting your insurance company full access to your detailed medical records. We strongly advise against doing so without first consulting a lawyer. They look for any previous medical issue they can use to dispute your claim. An experienced personal injury attorney can advise you on which medical records must be provided to the insurance company and when/if it’s appropriate to share them.

DIY Personal injury claims: handling a Nationwide insurance claim on your own

You may be wondering how to file a personal injury claim without a lawyer, but you should know your best chance at a fair settlement is with the help of an attorney. There are some things you should know if you decide not to hire one. Before you contact your insurer about an injury claim, bear in mind that any time you speak on the phone with your insurance company there’s a good chance the call is being recorded

You need to have documentation supporting the value of your claim, and you need to be firm, but polite. You have ONE chance to recover the losses you’ve incurred, so prepare yourself well and be cautious with what you say. They’re paid to put you at ease and get you to take a lowball offer.

Things you need to know about the claims process:

  1. An insurance adjuster doesn’t decide how much you’re entitled to; they decide how much they’re going to offer you. A settlement check isn’t a definitive statement of value—and it can be negotiated. The insurance company may say, “After a thorough investigation, we’ve determined the value of your claim,” to make you think it’s an official statement of value. Even a check they send you for your damages is just an offer, and once you sign it you can NEVER pursue further compensation.
  2. Everything an insurance company rep does is calculated. If you contest the settlement offered to you, don’t be surprised if the rep responds by saying they need to consider it and will get back to you. Delaying a decision is a tactic insurance companies use in the hopes that frustration and financial hardship will pressure you to settle for less.
  3. Put it in writing. After speaking with your insurance company, write a letter or send an email to the rep to document the statements made by the representative. You may need this in the future if they dispute the accuracy or timeliness of your submissions.
  4. You’re up against a powerful chain of command. The insurance adjuster you first speak to may well have instructions preventing them from offering you more than a certain amount. If you ask to speak to a supervisor, there’s likely a unit manager above him/her, who has a claims manager, who has a regional manager, and so on. And they all have strategies to limit or deny your claim.  Your chances of getting a fair settlement are much higher when you’re represented by an experienced team of aggressive personal injury lawyers.
  5. Be ready to prove fault or lack of fault. Determining liability is an extremely important factor in a personal injury claim, so you need to be prepared to counter allegations that you contributed to the accident by speeding or not paying attention.

Claims adjusters’ tactics range from losing your paperwork to using obscure and confusing terminology as a reason to deny your claim. Some adjusters will even try to scare you by threatening legal problems if you talk to a lawyer, despite having dozens of lawyers working on their side.

How to negotiate against a lowball settlement offer

You may be able to reason with an adjuster for a higher settlement. These tips may help:

1. Document every penny the accident has cost you. Medical bills, receipts for prescriptions, mileage on your car for doctor trips, recent pay stubs showing your income before and after the accident, and written repair estimates for your car will all help prove the cost of your damages. If you provide ample proof of the value of your claim, there is little for an insurance adjuster to object to.

2. Keep your cool. Even if you tell the insurance adjuster the minimum amount you are willing to settle for, you will likely be offered less. In many cases, adjusters simply don’t have the authority to make a higher offer unless a lawsuit is filed. If you feel like you’re deadlocked, ask to speak to their supervisor or a different claims adjuster.

3. Never settle for less. No matter how frustrating and exhausting the negotiation process seems, don’t accept an inadequate settlement just to get it over with—especially if the settlement doesn’t even cover your outstanding bills.

4. Be aware of your timeline. In some cases, an insurance company will delay the process to the point the statute of limitations on when you are able to file a lawsuit expires. You are then stuck with whatever they offer you because you’ve lost your biggest bargaining chip: taking legal action. 

5. Consider hiring an attorney. Having an attorney handling your claim takes the burden of negotiating with the insurance company off your shoulders. Personal injury attorneys are professional negotiators who can help you secure a much larger settlement than what you would likely get on your own. At the very least, take advantage of a free consultation with a personal injury attorney to get an idea if the amount you’re seeking is in the right range.

Knowing what your claim is worth: Nationwide settlement amounts

Damages such as repair costs and medical bills are self-evident, but calculating lost wages and lost earning potential gets problematic, especially if you’re self-employed or between jobs. You may also be able to claim damages for pain and suffering, which defy exact calculation. If you’ve had significant injuries and your medical treatment is ongoing, this can also make it hard to come up with a value for your claim. An experienced personal injury attorney at Warshafsky Law who has seen many insurance settlements can help with this.

The attorney you choose to represent you may well be the most important factor in the settlement amount you end up with. Warshafsky prepares every case for trial. Insurance companies suddenly become more generous in their settlement offers when there’s the possibility of losing big in court. Our attorneys will take your case and ask for no payment until you have been compensated. Additionally, our no-win, no-fee policy ensures that if we don’t win your case you don’t owe us a thing.

Free Case Appraisal

6 WI Car Accident Laws that Impact your claim

 biggest lies about vehicle repairs

A "Nationwide repair shop in Wisconsin" is a myth & 3 other lies


Lie #1: “We’d like to get this taken care of for you as quickly as possible.”

When the Nationwide insurance rep tells you “I know how frustrating this must be” and “We want to get this taken care of for you as quickly as possible,” watch out. They know how inconvenient it is to be without a car and know you’ll do whatever they ask to get the work done.

Lie #2: “There’s a Nationwide body shop near you…”

In truth, no one working for Nationwide is looking out for your best interests. They’re looking for the cheapest way to get your car fixed. The shop “near you” isn’t necessarily the best shop to repair your car, and it may not even be the nearest shop. You have no obligation to get your car repaired at the shop Nationwide tells you to, so tell the insurance company if you have your own body shop in mind.

Lie #3: “Aftermarket parts are just as good as the OEM parts”

If you’re going to have parts of your car replaced, you want them replaced with OEM parts—not aftermarket parts. Aftermarket parts are notorious for not fitting as well as OEM parts, not lasting as long, and not working as well. Nationwide is just looking to get the job done as cheaply as possible. Although it’s virtually impossible to get new OEM parts for an older car, there’s no reason why you can’t get OEM parts for a late model car. You have no reason to settle for anything less.

The Big Lie in Personal Injury Settlements

The biggest lie you’ll hear from an insurance company is their settlement offer is the best they can do. If you’ve been unable to work because of your accident and bill collectors are hounding you, their settlement check brings instant relief. Our advice: Don’t cash it! As soon as you do, you’ve waived your right to litigate for a higher settlement. Instead, get the opinion of an experienced personal injury attorney. We recommend you contact us even before reporting your accident to Nationwide. Warshafsky Law offers free case assessments. 

How long do I have to file a Nationwide Insurance claim in Wisconsin?

To negotiate your lowball American Standard settlement offer, you want to make sure to do your research, document everything, determine the minimum of what you'd accept, and keep thorough records. Hiring a personal injury attorney to defend you also doesn't hurt.

How much do Nationwide Insurance rates go up after an accident in Wisconsin?

After an at-fault auto collision, Nationwide's insurance rates can increase by as much as 54%.

How do I get the largest settlement from my Nationwide Insurance injury claim?

You need to hire a Milwaukee car accident attorney that has extensive experience in negotiating with insurance companies to secure the highest possible settlement for your Nationwide insurance claim. At Warshafsky, we're equipped to deal with various insurance company tactics.

How do I get a settlement offer from Nationwide Insurance?

You can claim online or by calling Nationwide's claims service department. To get your claim taken care of quickly, they will most likely send you a lowball settlement offer. Don't accept before talking to a personal injury lawyer to max your settlement.

How can I negotiate settlement amounts with Nationwide Insurance?

Hiring an experienced personal injury attorney is the best and fastest way to negotiate your initial insurance settlement offer. Other tips that may help include documenting every penny the accident costed you and being aware of claiming time limit.

Injury case settlements & judgements:

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