Negotiating against a low ball Nationwide Insurance settlement offer 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 date of discovery of the injury”. It’s complicated. Act fast - the insurance company will.
  3. Repair shops: Nationwide Insurance requests insurance customers to use a Nationwide-approved auto repair facility. However, this suggestion serves only to save the insurance company money. In reality, you can go wherever you want for repair service. Tell your insurance company your favorite auto shop will do the work.
  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 might 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

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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. The company is ranked 68th on the most recent (2017) Fortune 500 list of America’s largest companies. However, they're no different than any other large insurance company, becoming wealthy by limitying or denying claims.

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! Our top-rated 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 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.

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®

How do I get my Nationwide settlement check?

Nationwide Insurance offers the option of starting a claim online or by calling their Claims Service department. If you opt to call them, a claims rep will ask you about the accident and explain the coverages in your policy.

Insurance adjusters know you just want to get your life back on track, so they’ll be very empathetic and assure you they want to “get this taken care of for you ASAP.” As with most insurance companies, they know the sooner they can get a check in your hands the more likely you are to accept the puny settlement offer they make.

It probably sounds like insurance company reps are just out to take advantage of you, but it's their job to save the company as much money as possible.

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 access to your medical records. We strongly advise against doing so without first consulting a lawyer. These authorization forms are usually written to allow the insurance company full access to your detailed medical history. Once in, 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. If you're determined to go it alone, there are some things you should know. 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. It’s easy to inadvertently say something the insurance company can use against you.

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.

It’s likely the insurance rep will be very personable and easy to talk to. But don’t be taken in—a friendly demeanor doesn’t mean they’re your friend. 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, it’s just an offer—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. Don’t fall for this. 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 one of many delay tactics 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.

Claims adjusters’ tactics range from the annoying, such as losing your paperwork, to the serious, such as using impossibly 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.

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.

How to negotiate against a lowball settlement offer

Hiring an experienced personal injury lawyer is the surest and fastest way to get an insurance adjuster to reconsider their settlement offer. In rare cases, however, 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, stay calm and 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 cave in and 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. In Wisconsin, the statute of limitations for filing suit against an insurance company is 3 years. Mark it on your calendar!

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.

Warshafsky personal injury attorneys get more for your nationwide claim

The attorney you choose to represent you may well be the most important factor in the settlement amount you end up with. While many personal injury law firms “play ball” with insurance companies by “signing and settling” cases quickly and collecting their fee, Warshafsky Law doesn’t play that game. Instead, we prepare every case for trial. Insurance companies suddenly become more generous in their settlement offers when there’s the possibility of losing big in court.

Warshafsky Law 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.

Contact our personal injury law firm for a free case appraisal on no-win-no-fee legal representation.

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