How Do I File a Claim with Nationwide?

Written By: The Champion Firm Team

Date Posted: 03.07.24

Category: Car Accident

Being involved in a car accident is one of the most common — and terrifying — experiences people go through every day. One moment, you’re going about your normal day, and the next moment, everything has been brought to a halt. With your vehicle damaged, people involved in the accident potentially injured, and other matters to deal with, the entire incident can quickly become overwhelming. If you are a policyholder with Nationwide Insurance, knowing what to do, how to initiate the claims process, and why you need an experienced car accident lawyer in Atlanta working on your behalf is important.

By consulting with a knowledgeable attorney with extensive experience helping individuals through the Nationwide claims process following accidents, you can feel peace of mind that your claim is in good hands and confidence that your rights will be protected during every phase. Your lawyer can guide you through the entire journey, from dealing with the immediate steps of speaking with the insurance company and gathering evidence to support your claim to navigating the often complicated insurance claim process with Nationwide.

If you have been in an accident and are a policyholder with Nationwide Insurance, contact a skilled car accident lawyer today to schedule a consultation to begin filing your claim.

Overview of Nationwide Insurance

Nationwide Insurance is an established, reputable insurance provider with a national presence within the industry. Offering diverse coverage options, Nationwide offers a wide range of policies, including liability, collision, comprehensive, and personal injury protection (PIP). Nationwide’s policyholders benefit from the security provided by the company’s plans. As with any insurance provider, understanding the terms and conditions of a policy, including your coverage limits and deductibles, is important.

Nationwide pledges a strong commitment to customer satisfaction and strives to uphold its standing within the insurance market. Though Nationwide Insurance has a team of professionals dedicated to helping its policyholders file claims, researching and working with an experienced car accident lawyer is always your best option. Continue reading to learn more about the process of filing a claim with Nationwide Insurance, and contact a knowledgeable car accident attorney today to schedule a consultation to discuss the specifics of your situation.

The Importance of Having Auto Insurance

Carrying auto insurance is a legal requirement across nearly every state in the country and a critical safeguard for your finances. Car insurance covers expenses resulting from traffic accidents, including medical bills, vehicle repairs or replacement, and liability claims from other parties involved. If you do not have insurance, not only are you likely violating the laws of your state, but you also run the risk of facing financial ruin if you are in an accident.

File a Claim

Auto insurance, like the coverage by Nationwide Insurance, gives policyholders peace of mind, ensuring the often challenging aftermath of an accident can be navigated without fearing they may lose everything due to massive financial losses. If you are currently not carrying valid auto insurance coverage, you should contact a provider like Nationwide Insurance as soon as possible to become compliant with the law and protect yourself in the event of an accident.

Understanding Nationwide Auto Insurance Coverage

Nationwide Auto Insurance offers multiple coverage options to address various potential risks and outcomes policyholders may encounter on the road. From the basic liability coverage that guards against third-party injuries and property damage to more comprehensive policies for non-collision accidents, Nationwide allows policyholders to customize their coverages to fit their needs.

Types of Coverage

As with most auto insurance providers, Nationwide Insurance offers different types of coverage designed to suit different types of risks policyholders may face, including:

  • Liability Coverage, which shields drivers from costs resulting from injuries or property damage suffered by other parties.
  • Collision Coverage, which addresses repairs or replacement costs for the insured vehicle after an accident.
  • Comprehensive Coverage, which safeguards against non-collision incidents, such as theft or natural disasters.
  • Personal Injury Protection Coverage, which mitigates medical costs for both the policyholder and passengers, no matter who was at fault for the accident.

Each type of coverage serves a specific purpose, offering a full range of options to defend against the financial consequences of auto accidents and ensuring policyholders are well-protected.

Policy Terms & Conditions

Being familiar with your auto insurance policy terms and conditions is critical as a policyholder. These factors form the foundation of any insurance policy, detailing important aspects such as:

  • Coverage Limits: Clearly specify the maximum amount the insurance company will pay to cover losses.
  • Deductibles: The amount the policyholder is responsible for paying out of pocket before the insurance policy’s coverage takes effect.
  • Exclusions: Explicitly stated situations and circumstances that the policy will not cover.

Familiarizing yourself with your insurance policy’s terms and conditions provides more detailed information on choosing or upgrading coverage and helps you navigate any potential pitfalls or disputes with your provider in the event of an accident. Consult your car accident lawyer for more insight into your Nationwide Insurance policy.

Steps to Take Immediately Following an Accident

Nationwide Insurance

Certain things should be done immediately if you are involved in a traffic accident. Swift action and decisive choices can significantly impact the outcome of any legal action that may take place afterward. In the immediate aftermath of an accident, here is a brief rundown of things you need to do:

  • Move everyone involved to safety
  • Check for any obvious injuries
  • Exchange identification and contact information
  • Gather photographs and videos from the accident scene
  • Contact law enforcement
  • Seek medical attention for a full health assessment
  • Notify your insurance provider
  • Contact an experienced car accident lawyer

While other steps will need to be taken in the days and weeks following the accident, acting quickly to accomplish the tasks listed above while still at the scene of the accident can lay a strong foundation for anything that takes place later.

Initiating the Claims Process with Nationwide

Initiating an accident claim with Nationwide Insurance closely follows a similar process to filing with other insurance providers. As a Nationwide policyholder who has been involved in an accident, you will need to:

  • Contact Nationwide’s claims department
  • Provide a detailed account of the accident
  • Document your claim number provided by Nationwide
  • Participate in any inspection and evaluation process Nationwide will perform
  • Provide follow-up information when requested

Though you should not participate in the process without the guidance of a knowledgeable car accident lawyer, it is helpful to be aware of the steps involved so you can know what to expect. That being said, leaving all communication with Nationwide to your attorney is important.

Contacting Nationwide

In the initial phase of the claims process, contacting Nationwide Insurance, notifying the company of your accident, and providing a detailed description of the incident are critical tasks. However, it is best to have your car accident lawyer handle all of these communications.

If you do end up communicating with Nationwide, here are some helpful tips that will be beneficial during the process:

  • Nationwide’s 24/7 Hotline: Nationwide is available anytime through this method.
  • Be Prepared: Prepare all relevant information, including key details of the accident and the other parties involved.
  • Claim Number: Nationwide will assign you a claim number to be used throughout the process to track your claim.
  • Say As Little As Possible: Never provide details about how the accident happened or your injuries. Keep this off the record until you have a car accident lawyer.
  • Communicate Clearly & Honestly: Be open and up-front with any concerns or questions to ensure a smooth process.

As mentioned above, having your lawyer handle communication and negotiation with Nationwide is always the best option.

Claims Process

The Role of a Claims Adjuster

The insurance claims adjuster plays a pivotal role throughout the claims process. An overview of the responsibilities of a Nationwide Insurance claims adjuster includes:

  • Investigation: The adjuster will thoroughly investigate the accident, examine all available evidence, and assess vehicle damage.
  • Communication: Throughout the claims process, the adjuster will act as the liaison between the policyholder and Nationwide.
  • Evaluation: The adjuster will determine the extent of the damage and assess the validity of the policyholder’s claim.
  • Negotiation: Following the investigation, the adjuster may negotiate with involved parties in an effort to reach an agreeable settlement.
  • Documentation: From the beginning of the process to its completion, the claims adjuster is responsible for maintaining detailed documentation of the claim.

Trusting your lawyer to handle communication and negotiation with the claims adjuster will help protect your rights and ensure that the adjuster adheres to the guidelines and regulations of the insurance claims process.

Gathering Documentation

Collecting and organizing all relevant documentation related to your accident claim is a crucial element of the process. Important types of documentation and evidence include:

  • Photographic & Video Evidence
  • Police Reports
  • Medical Records
  • Insurance Information

Compiling the information listed above will lay a solid foundation for your claim and help you and your lawyer resolve any questions Nationwide may have regarding your claim.

Challenges & Pitfalls in the Claims Process

Though Nationwide Insurance is well-regarded and carries a strong reputation for customer service, there are potential challenges and pitfalls a policyholder with any insurance provider must be aware of and guard against, including:

  • Delays in communication
  • Disputed liability
  • Incomplete or inaccurate documentation
  • Underestimation of damages

Being aware of these obstacles will help you be proactive with your legal representation in addressing potential problems and ensure a smoother claims process with Nationwide. Your lawyer will be a valuable resource to inform you of any challenges that may arise in each phase. Trusting your attorney to lead the way and protect you from potential stumbling blocks will be helpful throughout the process.

The Importance of Legal Representation

Working with experienced legal representation in the aftermath of a car accident is vital, regardless of whether or not your case involves litigation. Even if your case never has a reason to reach a courtroom, having a dedicated car accident lawyer on your side to advocate on your behalf and protect your rights provides a variety of benefits throughout the process. Having an attorney represent you in your Nationwide Insurance claim can help:

  • Navigate complex aspects of the process
  • Maximize your compensation through negotiation
  • Resolve potential disputes in a favorable way
  • Reach a resolution in a timely manner

Legal representation is wise to protect your rights and make a strategic decision to ensure the process goes smoothly and fairly. While Nationwide Insurance is a reputable provider, having a legal professional in your corner is always wise to help you improve your chances of reaching a favorable outcome. Nationwide has its legal representation to handle things on its side, so having an attorney representing your case will make sure there is an even playing field for the claims process.

Reach Out to an Experienced Car Accident Lawyer Today

Darl Champion

Darl Champion, Car Accident Lawyer

You don’t have to go through the frustration and stress after a car accident by yourself. Not only are the immediate hours, days, and weeks after the accident a busy and sometimes chaotic period dealing with injuries, vehicle damage, phone calls, and other matters, but the process of filing an insurance claim for your accident can be another layer of complication. If you are a Nationwide Insurance policyholder, you may have questions about the process and need help initiating your filing.

With the help of an experienced car accident lawyer, you can get the guidance you need to make your way through the Nationwide claims process. Allowing your attorney to handle all communication and negotiation with Nationwide will ensure your rights are safeguarded and help you avoid any potential pitfalls you may unintentionally find yourself in if you attempt to handle the process yourself.

If you have been in a car accident and are a policyholder with Nationwide Insurance, contact a knowledgeable car accident lawyer to schedule a consultation to discuss the specifics of your accident, review the details of your Nationwide Insurance policy, and initiate the claims process.

Case evaluations are free, and you pay nothing upfront to hire a car accident attorney. Act now to protect yourself if you must file an insurance claim against Nationwide.

About the Author

The Champion Firm, Personal Injury Attorneys, P.C. is a full-service personal injury law firm serving the greater Metro Atlanta area. Our award-winning team of attorneys specializes in car accidents, wrongful death, premises liability, and slip-and-fall cases. Learn more about our team here.