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The Dirty Truth About Nationwide's So-Called Blue Ribbon Claims Service
Posted by
COLUMBUS, OHIO -- The biggest mistake of my life was to get Nationwide Insurance. When I was hit by an UNinsured military driver as I sat at the end of a line of stopped cars and sustained a permanent neck and back injury little did I know the lengths to which MY insurance company would go to DEFRAUD me out of coverage and medical care. At a time when I had two displaced vertebrae pinching my spinal cord and giving me 24/7 pain beyond description or human endurance, Nationwide was plotting to cheat me out of coverage. First they demanded I accept payment for a phantom Honda Civic (half the worth) instead of the Honda Accord they knew I had, or they would "sit on the money indefinitely, making it difficult for a 20-something year old to get a new car". Then they began to threaten my doctor. When I saw THEIR doctor and he concurred, they threatened to pull all their business from him if he dared testify. They then went to the UNinsured motorist who hit me and offered to pay for his defense against me if he agreed to play along with their abuse of the Soldier & Sailor's Relief Act to postpone the trial past the statute of limitations.
Then they came to my lawyer and demanded we settle a $100,000 lawsuit (customary for diagnosed permanent back damage at that time) for $5,000 or they would make sure the trial never occurred (i.e., blackmail, obstruction of justice). We refused. They hired 3 sets of lawyers to obstruct justice and confuse the issue, playing/twisting all sides of the issue for themselves. They even instructed the UI driver how to hide his assets and declare bankruptcy if the idiot judges in Maryland ever caught on to their endless perjurious and baseless stays. After 10 years of criminal shenanigans, Judge Nissel in Ho. Co. MD found them to be in breach of contract and "most obviously" guilty of FRAUD against me. But guess what? Insurance lobbyists have made sure no law stipulating PUNISHMENT has ever been passed. So they are still scott free to defraud their clients even though it is indeed criminal behavior. Nationwide Headquarters in Ohio was informed twice of the fraud and they wrote back indicating they didn't care how their Maryland employees operated.
In the 10 years of legal battles against these Mafioso, the seriousness and permanence of my injury became more apparent and the suit went from $100,000.00 to $500,000.00 Nationwide owes me this plus interest, not to mention PUNITIVE damages because they took it upon themselves to not only sabotage my suit against the man who injured me BEFORE I even filed a claim with them, but they sabotaged my medical treatment by bullying medical professionals! I received NO worthwhile treatment the first 2 years of my injury. Took me that long to find a brave doctor who stood up to their threats. Nationwide should be SUED and FORBIDDEN to use the motto "Nationwide is on Your Side". What a COMPLETE and UTTER LIE that is !!! That is like a child molester claiming he is, "nurturing". There is NO WORSE insurance company to be with, the people are vile, cruel and dishonest and greedy to the point of sociopathic subhuman depravity. RUN to ANY OTHER company for your insurance before they use your policy payments to attack you at the most vulnerable time in your life like they did me. I never got the help or justice I needed. Seeing a Nationwide commercial still makes me physically ill and probably always will.
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Anonymous on 05/23/2008:
So, I guess Nationwide isn't on your side?
chris513 on 05/24/2008:
So is your ex boyfriend a Nationwide employee, or in the military?
Anonymous on 05/24/2008:
Very compelling post. The wounds sting more when they arise from betrayal. In my opinion, insurance companies are solely in business to insure themselves.
dgsales on 05/28/2008:
It's sad when the big companies can bully us regular people around and get away with it. I hope you eventually get what is owed to you.
ok4now on 06/15/2009:
I've heard this horror story more than once. You faithfully pay your insurance premium every month never filing a claim. It's pure 100% profit for them. Then when you need the protection that you have been paying for their attitude is "How Dare You!!!" They come up with every excuse and loophole in the book to deny your claim. It's almost like they are running a Ponzi Scheme. They take your money and tell you about the wonderful protection you have. You sleep better at night. Then when you need to cash in all of that protection it suddenly disappears. DO NOT DEAL WITH NATIONWIDE!!! Read my review on how they want to put cheap inferior after market parts on your car after a collision.
Tam on 11/07/2013:
This is utterly atrocious!!!
My husband was with nationwide for 12years or so before we switched him over to mine. They were charging him about $80 per month more than what was necessary all those years. His fault for not being more diligent and frugal. Recently discovered he has an outstanding bill from them in collection for an accident in which the other driver was at fault, totaling HIS vehicle!
The local office in LITTLE ROCK, ARKANSAS would give out all his information to me over the phone without verifying that he'd actually gotten married. I could have been anyone.
My advice...Run don't walk!
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How Nationwide Auto Insurance Scams You
Posted by
NASHVILLE, TN -- Nationwide transferred an insurance policy without my written or verbal consent. They then put me in collection without notice, though they claim I was sent bills. I was not looking for any bills from them when I had not requested any service from them. I was a customer at Nationwide for nearly 10 years. I insured all my vehicles with them, paid all my policies up front, 6 months in advance. They made thousands of dollars off of me. I flattered myself to think that I might be a valued customer. I relocated to Nashville, TN from MI and attempted to purchase auto insurance from a Nationwide office operated by Missie Cole in Nashville TN as I was about to register my car in TN and my MI policy was about to expire. The SA (Denise) was unable to properly operate the computer or give me a quote. She wasted nearly an hour of my time, and by that time I was getting late for work. Desperately I asked "how can I get some insurance?" She ended up putting me on the phone with my old MI agent and I bought one more month of insurance from her. After this experience, I no longer trusted or wanted Nationwide as my insurance from that office and decided to seek insurance elsewhere until I could find a more reliable Nationwide agent. However, I suddenly began receiving collection notices. After some investigation, I found that Nationwide had transferred and extended my MI policy to a TN without my written or verbal authorization. I spent 3 months calling Nationwide and speaking to one representative after another. They all basically stated that "it was legal to" do this, so they did. They gave no thought to me as a trusted, long time customer whom they made money off of. I will never, ever return to them, and I do not recommend that others do. This was a terrible way to treat anyone and I felt especially violated as a long time, reliable customer. It felt worse than being mugged.
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Anonymous on 03/16/2010:
Unless I am missing something, transferring your insurance within the company to the state you move to is in fact common and legal. That is in essence what you wanted when you went into the TN office, the insurance to be in TN.
It sounds like the agent did not understand what you wanted. Did you tell her you already had insurance with Nationwide and wanted to transfer, or did you tell her you wanted NEW insurance? And why would you need a new quote if you have had Nationwide for 6 years already?
I don't understand why this would be complicated?
jktshff1 on 03/16/2010:
Sounds as if you and the TN agent were not on the same page, as well as the agent being slightly unfamiliar with your problem.
That being said, welcome to the patron State of shootin' stuff.
Good luck, ya might try a Farmers agent. I've been with them for over 30 yrs. Got mine when he was just startin. I will die before he does so I don't worry 'bout finding another agent.
claredoll77 on 03/18/2010:
I would like to clarify that I made it absolutely clear to the TN Nationwide office of Missey Cole Agent Denise that I requested a quote before the policy was to be transferred to her. And in response to LadyScot, the quote did make a difference because insurance laws in different states effect the cost of insurance. That is why I desired to know before continuing with Nationwide. Of course it is legal to transfer the policy, but I gave specific instructions not to unless I consented. The law is she can transfer it so long as she informs me in some boilerplate form she will do so. She did not. No, the agent and I were not on the same page because this agent was either a scammer or of extremely low intelligence. I give her the benefit of assuming the latter. She did not listen to me and found it easier to simply start billing via a collection agency than try legitmately sell a policy. This office looked empty and unpopular. Because of this one inefficient agent and many rude Nationwide phone reps they will never receive the business of myself or anyone in my family again. How very short sighted.
tnchuck100 on 03/18/2010:
claredoll77, what a mess! I understand your problem. I transferred driver license, insurance, etc. when I moved to Tennessee. I ran into problems similar to yours. I had to pay close attention to every detail to avoid the same things happening to me.
When I got my Tennessee driver license they kept my other license to return to the state of issue for cancellation. They did not do it. The next thing is that state sent me a notice of suspension for failure to carry insurance on my vehicles. That HAD to fixed or Tennessee would not renew my license when the time came.
Forget trying to get any help from the Tennessee insurance commission. They are in bed with the insurance companies. I sent them a 50 page document proving my insurance company was violating state law. All I got back was a form letter stating they could not verify my information. FACT: The proof was there. They simply chose to ignore it.
Anyway, good luck to you.
claredoll77 on 03/19/2010:
Thanks for your kind words tnchuck!
Terry Manuel on 04/20/2014:
In 2011, I called for a quote on rentals insurance and started receiving letters in the mail saying I purchased life insurance, car insurance, and rental insurance.
I contacted a supervisor and he assured me that it will be taken care of. I just printed out my credit report and see Nationwide on my credit saying I owe them $173.00. I only called for a quote. They do not have my signature on any paper work, but the form the supervisor sent to me to fill out to cancel the policy that I never asked for.
If they're doing this to me
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Watch for rate increases after you are quoted
Posted by
AMARILLO, TEXAS -- On 1/31/10, I was finally able to buy another car after receiving an insurance settlement from a bodily injury accident that I was not at fault for back in 05/09.
I called up Nationwide for a quote and the quote they gave me was great. From the get go, I explained to the agent that I was finally able to buy a car because I had received an insurance settlement. I explained to her how I had been injured in the accident and it was caused by a young guy who was trying to text and drive at the same time...causing him to make an illegal left turn in front of me. I also explained that I was in the process of moving out of state and that if anything else was needed or the rate was going to be higher to please contact me via phone. I never heard anything back, so I thought the rate would stand.
When I finally got to my new home, I had received notification that my premium was going to be higher because of the bodily injury accident. Of course the same day I was able to get the mail, around $50 extra was taken out of my account for the insurance payment at the higher premium rate. I immediately called my agent and she stated that I had never disclosed that info to her so that's why the rate was higher. I told her, uh yeah I did because that the settlement was how I was able to get the car and told her that I had disclosed everything upfront. She then told me that I needed to fax over a letter of experience from my former insurance company stating that the accident was not my fault. She could even see that I had been paid a settlement from the other driver's insurance, but this was not enough for them. Obviously, the other insurance company is not going to pay me a settlement if the accident was my fault.
I asked to speak to a supervisor and was assured that one would call me back within 24 hours. A week passed and I received no call back. I called their customer service to request to speak with a manager. After being hung up on, I called yet again and told my story for the umpteenth time. I was then told that I had to speak to a "resolution specialist" before I could speak to a manager. This guy told me the same thing and that my rate "should" go back to what I was originally quoted once I faxed the required documentation. I finally called my old insurance and they are going to email me the letter, but I am not convinced this is going to make my rate go back to what I was originally quoted. It's been an hour and still no call back from a manager. I will either go back to my old insurance company or get another insurance company if Nationwide does not follow through on their promises.
So far my experience with Nationwide really sucks and I am not happy about their lack of customer service. I feel like it's a bait and switch game with them. Just be careful if you decide to do business with them and give them your debit card info. They have no problem charging you more than what was originally agreed upon.
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Anonymous on 03/09/2010:
If the accident is on your record, then that is what they have to go by. My daughter was involved in a no fault accident, and it took us 3 months to get that changed from her record. They had HER listed as the faulty driver, when it was the other way around. We didn't find out until time to renew her policy.
It isn't their fault and a quote is an estimate until they get your driver info.
reets612 on 03/10/2010:
I understand that they need this, I'm just saying the agent should have told me that up front. When I received a call back from her supervisor, she even agreed with me that this should have been told to me because they sell enough policies. The agent also failed to follow up with a phone call like she promised to let me know of the rate increase which her supervisor said should've been done.
PepperElf on 03/10/2010:
personally I would suggest not even calling the other agency. show up in person
maybe you will be able to walk out of the office with the letter I hand
then you can get copies made and drive over to the other insurance company and show it to them, etc
might be easier than hoping they email you etc
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Victims claims go unanswered
Posted by
LITTLE ROCK, ARKANSAS -- Another heartless insurance company... My advice to anyone that is the victim in a traffic accident in which the responsible party is a Nationwide client would be to immediately hire an attorney.
The story follows:
My sister was recently involved in a traffic accident in which she was side-swiped by a Nationwide client. She was taken from the scene via ambulance due to injuries sustained to her shoulder during the impact, fortunately her 10 year old son emerged from the back seat relatively unscathed but shaken. The emergency crews had to use a crowbar to open the door to get her and her son out of the vehicle. Her car was towed and she was denied access to it for two days despite it still containing her purse and wallet.
At first Nationwide seemed responsive to the claim. Two separate adjusters were assigned, one for medical and one for property damage. They all appeared to be playing nice at first with the medical claims being taken care of. They offered a small settlement ($1000) for the pain and anguish and loss of wages from several days in a sling. She accepted their offer, but before she could sign any thing the property damage adjuster (under the assumption that the medical claim was signed off on) turned down right nasty. He refused to repair the car with anything other than bondo, refused to use acceptable, safe, standard parts (including the front bumper which along with everything else he wanted taken from a salvaged vehicle). Since I am an avid car enthusiast she politely informed them that that would not work, especially the bumper. With modern cars and crumple zones every major part is designed to absorb and deflect the impact of a crash.
Replacing a front bumper with one from a previously crashed vehicle would be a safety issue since it had already absorbed a certain amount of energy and was thus probably weakened. With a 10 year old in transport that was not acceptable to my sister or to me and posed too large of a risk for negligible cost savings. All told, to repair the car correctly was only going to be a $200 price difference. Nationwide refused. Her car was out of commission while being repaired so they provided a rental car from Enterprise. She had to foot $50 of the bill for the rental car upfront. Since when did the victim have to come out of pocket for an insurance client's recklessness? Then 5 days into the 7 day repair period my sister received a call from Enterprise stating that Nationwide had only paid for 4 days and she either had to return the car within an hour or she would be charged with grand theft auto. Nationwide refused to cover the remaining 3 days her car was to be in the shop.
I am writing this as the repairs are completed on my sisters car to give you an idea of how recent this travesty is. I would not recommend anyone use Nationwide that cares that things are made right and I'd recommend the immediate hiring of an attorney to represent YOUR interests should you be involved in an accident in which a Nationwide client is at fault.
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Slimjim on 10/10/2007:
I don't understand your argument. If the bumper they want to use has had its integrity compromised because of a crash, then it would have cosmetic damage and couldn't be put on her car anyway. Clearly the used bumper is probably fine but your other complaint points I do agree with.
GWbiker on 10/10/2007:
First of all, NEVER sign off on a insurance medical claim until you have spoken with at least one good doctor who reviews your injuries. Claims adjusters are paid to low ball payouts. The $50 payment to Enterprise should be just a "hold" on your credit card, to be released when the rental is returned. Nationwide was probably informed by the body shop your repairs would be completed in three days, which you should have been informed of, and if additional time was needed, Enterprise could have contacted Nationwide to authorize an additional day or two car rental. AFA the "grand theft auto" threat, Enterprise is not exactly a premier car rental company.
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Adds People To Policy Without Policy Holder Consent
Posted by
As a former 25+/- year customer of Nationwide they decided to add my over 18 year old (child) to my policy regardless of the fact that he/she already had obtained insurance prior with another company. Nationwide decided for me to still add this driver to my policywithout my consent, prior knowledge, without my approval, and when I asked them to fix it they would not do it. I discovered the change 2 months later (after the fact) in a renewal billing. I have now been double dipped by Nationwide. I am being forced to pay for premium I do not owe in a state where insurance is not even mandatory, for a driver who already had purchased a car and insurance with another company on their own. So long Nationwide... goodbye... I gladly have a different insurance company now. By the way, the new insurance company I use now is much less expensive, by more than half the cost of what Nationwide used to charge me. Nationwide has been ripping me off for years.
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spiderman2 on 10/04/2011:
One thing to check, if your new coverageis so much cheaper it makes me wonder if it is the same level of coverage you had with Nationwide. Your rate could be cheaper because it is lesser coverage. You do not want to find this out when you make a claim.
skelly39 on 10/04/2011:
You have to disclose all residents of your household when getting a policy. If your child does not drive your vehicle, you can ask to have them excluded, but that means if he is excluded, any accident he has in your vehicle will not be covered. I would talk to your agent because most insurance companies would do the same thing.
Michael on 07/30/2013:
I have experienced the same problem with GEICO, which with the same coverages was cheaper then State Auto, All State, Nationwide, and 21st Century/Farmers...
They added my nephew to my policy, they called me and asked if he lived here, and I told them no he doesn't live here. He used my physical address to obtain his license, because they do not have a physical address where they live. They said, o.k. they will note my account, and 2 weeks later when my bill is due, my nephew was on my account and they refuse to take him off of my account. I have to send verification of his actual physical address. Which they do not have one, so I am kind of stuck. My bill $160 a month, is now $380 dollars a month, because he is a newly licensed driver. I am still fighting with Geico, and they are only getting the $160 payment. Until school resumes in Sept, when I can get a form from school to send GEICO, stating he resides with his father. LOL What a crock of SH and and ... Should be some law stating the insurance companies are not allowed to alter your policy without your consent.
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Still Waiting For An Explanation And Phone Call
Posted by
UPPER DARBY, PENNSYLVANIA -- In March I requested a reduced premium for my 10 year old vehicle from a Nationwide agent, DiSipio Agency, in Upper Darby, PA. I got an appt. on April 22! It took that long to get a response.
I then found out that I was paying almost 50% more for my coverage. I immediately switched to AAA's.
Nationwide then charged me $73.55 for cancelling in mid-term. I waited until the due date to cancel. I paid everything I owed Nationwide. I was a customer for over 40 years.
That means nothing to Nationwide. I called Nationwide and filed a complaint for poor service from the agent. I received a case #, and was told I would get a call. I'm still waiting. I informed AAA's about the unfair charge. The AAA agent called Nationwide. They put him on hold for 15 min. He finally hung up.
PA. has a law on the books called a "Short Rate Cancellation" fee which most companies will not charge. In the experience of the agents at AAA's Auto. Club, no other company charges this penalty. They all hope that the customer will eventually come back. Not Nationwide. Not only don't they care about the customer, they don't fully explain their charges, and they don't return their phone calls!
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spiderman2 on 05/12/2009:
http://www.ins.state.pa.us/ins/site/default.asp You can file a complaint with the PA Insurance Commissioner if you would like. Check if your coverage with AAA is the same coverage as you had with Nationwide. You may have had a 50% reduction in premium because you were carrying full coverage and now are only carrying liability (which might be a wise choice on a 10 year old car). Make sure you still have uninsured and underinsured coverage on your policy.
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Not On My Side
Posted by
I loaned my GMC truck to my son, he took off with a woman and was gone for approx 2 months. I did have the police looking for him and I was looking for him myself. I would have taken my truck if I found it. Oct. 23 he called me "thanks for taking the truck" and hung up on me. I did not hear back so I called Balt. police and found it had been towed after a hit and run on the 26th. I called my insurance agent and was told to have it towed to a body shop. I got a call from an investigator and met her a the body shop. She was rude and threatening in her manner. They refuse to consider the vehicle stolen and want to pay me approx $1100 less 500 deductible. The body shop seems to think the truck is totaled. I have been through hell but they have finally agreed to make a more thorough investigation. I don't expect to get a fair answer from them.
My agent is [snip] in Salisbury, Md. He has been no help and I cannot even get a call back. I have called the De. insurance commission. We will have to see where it all goes.
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goduke on 12/02/2009:
It might be worth $100 or so to get 1/2 hour with a lawyer who specializes in auto insurance to help you out with knowing your rights in the situation. I'm really not sure how legally it's going to be interpreted when you loan it to a family member who doesn't return it (I'm thinking stolen but not really certain on that one).
Good luck with it. Let us know how it works out. Sorry your kid has treated you so badly.
skelly39 on 12/02/2009:
What your son did is called conversion. Regardless of whether or not he stole it, your company owes you the cost to repair the vehicle or its actual cash value, so I don't see why they felt the need to sic an investigator on you. And your agent? Fire him. That's inexcusable not to return your call.
I hope you get this worked out.
Skye on 12/02/2009:
I think you should hold your son responsible for everything you are going through. Why should you get stuck with everything??
Why are you letting him off the hook?? Also the insurance company has every right to not consider it stolen, you, yourself said you loaned it to him. Even though you say he was gone for 2 months, you still had lent it to him. Again, let him pay fof this mess he caused.
goduke on 12/02/2009:
My instinct says the same thing, skelly. I'm pretty sure they insurance is going to come back and say "why didn't you declare it stolen/converted to us before it was in the accident," "are you only now saying it was stolen because it was wrecked" or something like that. I can see how it would get messy.
spiderman2 on 12/02/2009:
Did you actually report the truck as stolen or just ask the police to look for your son? Are you pressing charges against him for theft of the truck?
jktshff1 on 12/02/2009:
+10 skye
carolann25 on 12/03/2009:
Thank everyone for your comments and help. I did go to the police re: my son being gone with my vehicle and because I had agreed to sell it to him they considered it a civil matter even though it was only a verbal agreement. He had the truck taken from him on the 23rd accident was the 26th. probably taken from him by one of his worthless acquaintances. I have asked Nationwide to reopen the investigation to place definite blame. If my son was involved, he should be charged.
PepperElf on 12/03/2009:
if the police won't let you file criminal charges on him
then get a lawyer and file a civil suit then?
madconsumer on 12/03/2009:
did you file a police report for a stolen vehicle after the truck was taken? also, if you gve the keys to the driver, most insurance agencies won't cover it as a stolen vehicle.
IknowAlittleAboutThis on 12/16/2009:
ANYONE can drive your car with your permission and the insurance will cover the vehicle. Since you let your son take your truck, you gave permission. This is no considered theft. The insurance will cover the car under collision coverage. There is no coverage under comp. (theft)
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Non-payment Of Claim
Posted by
NEW HAMPSHIRE -- My husband was hit while riding a bicycle by a car that wandered onto the shoulder. It was a clear day on a residential street with a wide shoulder. After the car flipped him over the handlebars and left him unconscious by the side of the road, it slowed down, then quickly drove away. The sworn witness in the vehicle behind that one provide the description of events. We pay extra so that our automobile insurance includes coverage for this type of accident.
Nationwide Insurance (who has been our insurance company for more than 15 years) refused to pay (the medical bills cleared out our savings) and told us to take them to court. Most states have a bad-faith law preventing insurance companies from doing this to their customers but New Hampshire does not.
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tnchuck100 on 06/16/2008:
If you have witnesses, a police report, and a valid insurance policy all you need now is a good attorney. Sue the ba$tards. You can get all your medical bills, attorney fees, court costs, bicycle replacement and as well as punitive damages.
Anonymous on 06/16/2008:
What is their reason for not paying? Do you really have a rider on your auto insurance that provides coverage for an accident that has nothing to do with your automobile? This sounds a bit strange, but you just never know.
tnchuck100 on 06/16/2008:
I was relying on this statement:
"We pay extra so that our automobile insurance includes coverage for this type of accident."
I guess I should have added:
You really need to sue the driver.
Ponie on 06/16/2008:
I've never heard of auto insurance covering an accident while not in a car. However, since I never had the need for this type insurance, I don't know all that auto insurance companies offer. My thought would be to make a claim against the other driver's insurance company if it clearly shows s/he was at fault. Although it may be a state to state thing....
moneybags on 06/16/2008:
The problem here is that it was a basic hit and run. Ponie and Chuck don't get it....You have a description but not the driver. Sue the insurance company.
msnanny on 06/16/2008:
I'm sorry, are you saying that you have automobile insurance that covers you while riding a bike?
madconsumer on 06/16/2008:
this would be considered a hit and run accident. a police report should have been filed, and they would have followed up. if no police report was made, you may be at the mercy of your insurance company.
Slimjim on 06/16/2008:
What exactly was the extra coverage that would cover this? Nationwide seems pretty convinced being hit while riding a bike is not covered under their automobile policy, which frankly as others too noted, sounds very unusual.
Ponie on 06/17/2008:
Since I had never heard of auto insurance which covered someone while writing a bicycle, I contacted an agency in NH, explaining the facts stated in this complaint. They are shown as servicing both VT and NH. This is the reply I received this morning from their VT office:
If you are hit by a car while riding your bicyle, the car driver's
insurance would cover injuries to you. I am not aware of any coverage of
the type you are referring to. Larry
Prepared by: Larry Frazer
Phone: 8026745506
Address: 24 State St
Windsor, VT 78224-
GothicSmurf on 06/20/2008:
If you are a "NO FAULT" state then your insurance should cover it, if not, then you need to go to the drivers as Pony stated before.
chiamia on 11/15/2008:
My daughter's house is completely ruined by Hurricane Ike, was insured at $300,000. Nationwide has offered $127,00. Contents were insured for $80,000, and they were offered $25,000. Everything was ruined. This company that promises so much, would cancel if not paid on time, yet they don't fulfill their word. My three cents worth is that is all they are worth.
hammerhd on 01/10/2013:
nationwides insured ran into me from the side flipping my vehicle. I have had to fight every inch of the way,the other driver was faulted completely. My vehicle was finally paid for after fighting about how much,dragging there heels finally paid contents damaged now there trying to pay little or nothing on medical and bodily injury. Have had them b4 never again there on there side!!!!
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Unscrupulous Business Practice
Posted by
IDAHO -- Fair warning for anyone who has Nationwide Auto Insurance or is looking to obtain it. This company wants your money only if you never have to use the insurance, and if you never have a traffic violation or an accident. In other words, their business model has nothing to do with your well being. Instead their interest is only in your premium afterwhich you are just a number in a database. Their motto, "On Your Side" is just words and has no meaning whatsoever in reality.
Further warning.....never allow them to assure you that they will make your payment for you by automatic withdrawal from your bank account. If you don't fall into the categories described in paragraph one, they will lull you into thinking you don't have to worry about that payment since it is automatic, and then they will fail to make an automatic payment withdrawal and then cancel your insurance for lack of payment. Their notices of what they are doing are hidden in the high volume of junk mail they put in your mailbox, in hopes you might miss it. Then when you try to get it reinstated, they will refuse to do so because their "underwriter" (whom they will not disclose) refuses it for whatever reason they choose.
After 30 years (as in my case) one would think a company whould have some loyalty to a long term customer. However, I found out I was in fact just a number on a page with a rating based on some vague, continually changing criteria.
Nationwide at one time was a good company when it needed growth and market share. Now it has become an unscrupulous, disceptive, cunning manipulator of its clients. I can only hope that it goes the way of every other unscrupulous business that forgot what it's business was all about. I am just glad I am not a stock holder or an investor in this company because I am sure I am not the only one who has had this bad experience. When word gets around, there is going to be CRASH! Fair warning to any investor as well!
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Gannon_banned on 12/24/2006:
If all they are after is your premium, why would they want to 'trick' you into not paying so they can drop you? That doesn't even make sense...
beanbagbritches on 04/15/2007:
I've had bad experiences with Nationwide Insurance as well. The latest: We moved from one town to another about 30 miles away. We wanted to switch agents so that we could visit ours locally w/o driving 30 minutes to see him. The local agent told us NO! & that our premium wouldn't change anyway. That's when we switched to AllState & ended up saving $78 per month to boot!
chrissyb4 on 06/13/2007:
I went through Nationwide Hell. My agency applied my payment to the incorrect customer account. When I started receiving statements of intent to cancel, I called them and they assured me that all was well. A couple of weeks later, I received a letter from NC wanting my 3 tags, and $250.00 per vehicle for penalties. After screaming at my agencies imcompetent personnel, she said, "Oh my, someone has applied your payment to the wrong account". She assured me once again, that all is well, I called Raleigh myself to check on things, and guess what, all was not well. Nationwide did not send the necessary paperwork! To make a long story short, I went to the agency,(not in a very good mood either), got the paperwork and faxed it myself! Only by my demands, persistence and doing their job for them, did things work out. The thing that blows my mind is that, I had all paperwork, I.E. signed receipts, F1 form, and F5 and still could not get results! Needless to say...Nationwide lost a customer. I had been with Nationwide for many years, never late on any payment, never made a claim, no tickets, I was the perfect client.I had auto and homeowners, I was paying approx.$2500.00 per year to these morons and they blowed it!!
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Nationwide Was On My Side
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GREENWOOD, SOUTH CAROLINA -- I have been insured by Nationwide for probably 10 years. I was thinking of switching to save some money but was recently in a wreck. I called my agent Steve Wall and was so impressed I'll never leave. Not only did he help me through the claim but he also drove to the wreck and put all of my tools in his car and drove me to get a rental. My truck was towed, and totaled.
Make sure you have a good agent and Nationwide is the place to be.
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MRM on 03/01/2009:
You may never meet another great person like Steve Wall.
BokiBean on 03/01/2009:
Aw! That's nice.
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Your One-Stop Source for Batteries and Fuel Cells
Phil Kinnane | August 15, 2012
It has always been the flexibility of COMSOL Multiphysics that attracted people from the fuel cell and battery industries. The other software back in the day did not adequately support the ability to model the electrochemical equations that were required to properly describe the behavior of their appliances. As we noticed that more and more of these vendors were interested in COMSOL Multiphysics, this led to a great increase in COMSOL's knowledge and ability to model these applications. For example, a Batteries and Fuel Cells Module was recently released. Now I would like to provide a page here where a number of these resources can be accessed — your one-stop source for batteries and fuel cells.
Fuel Cells were very popular when I was doing my PhD back in the 90's. Every other researcher was looking at them. Since then, they never seemed to properly take the automotive market by storm, and have decreased in popularity. Nevertheless, their market is assumed to increase as this report maintains, probably outside of the automotive industry. The article is quite upbeat and maybe should be tempered by the information provided here.
Batteries, on the other hand, were old news in the 90's. They were too big and heavy and old fashioned for the smart electric cars of the future. Then someone said "lithium" and now they're all of a sudden big. Every automotive company is looking at them, including them in their product design and improving them. As this article suggests, they need them to stay in business. Not everything is automotive, and lithium-ion batteries actually started becoming popular in mobile devices as well.
We have a number of resources on our website for the battery and fuel cell enthusiast. Key to this is the great li-ion battery white paper COMSOL wrote together with Intertek Semko. Papers have also been published at our COMSOL Conferences that touch on the subject, such as this one on lithium-ion battery simulation for greener vehicles. If you go to our page containing papers and type in "battery" or "fuel cell", you're going to get a lot of hits.
Then there is the upcoming webinar held together with IEEE Spectrum, on September 13th. This will introduce you to the modeling of batteries and fuel cells using COMSOL Multiphysics. I suggest you sign-up for it right now so you too can partake in the buzz around batteries.
Life is Multiphysics
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subset: commoncrawl


text:
With Numbers for iOS, sophisticated spreadsheets are just the start. The whole sheet is your canvas. With just a few taps, you can add dramatic interactive charts, tables and images that paint a revealing picture of your data. You can work seamlessly between Mac and iOS devices. And work effortlessly with people who use Microsoft Excel.Download Numbers for iOS See what's new in Numbers
A spreadsheet doesn't have to look like a ledger. That's why Numbers starts you off with a blank canvas instead of an endless grid. You can choose fonts and style cell borders. Or add, resize and apply styles to tables. And move everything around your canvas at will. Next thing you know, you've turned budgeting into an art form.
Starting with Numbers is as easy as 1, 2, 3. Controls are optimised for Multi‑Touch, so getting to work feels natural. And a redesigned interface simplifies the equation of finding the tools you want. Smart Zoom on iPhone and iPod touch even automatically zooms in on cells when you edit them. Underneath it all, there's an advanced calculation engine that makes full use of the 64‑bit architecture in iOS 7. So nothing will slow you down once you get going.
Numbers supports over 250 functions. And it's built with sophisticated tools that make using them far simpler than you'd think. With a few taps, you can enter data, perform complex calculations and sum up what it all means. Running the numbers is now a simple operation.
Numbers gives you dynamic methods to visualise your data. So you can spot patterns, recognise trends and notice relationships. When you use the impressive charts, graphs and tools, seeing becomes understanding.
iCloud lets you create and edit your spreadsheets on any device you want. In any place you want. Anytime you want. iCloud also updates your files on all your Apple devices — no matter which one you used to create a file or make a change. And since Numbers automatically saves your work as you work, everything you do is automatically saved everywhere. The whole experience is even greater than the sum of its parts.
Teaming up with someone who uses Microsoft Excel? Numbers makes it a great working relationship. You can save Numbers spreadsheets as Excel files. Or import and edit Excel spreadsheets directly in Numbers. Most popular Excel features are supported too. Now it's no problem to work on the same project. Even if you use different apps.Learn more about Microsoft Excel compatibility


text:
For anyone interested...
For anyone interested...
Immense improvement over the musical stagnation of the last two albums. Glad to see U2 attempt to go back to their 90s sound, really excited to see how the final album will sound like.
Beat me to it by two minutes!
"On-base percentage is great if you can score runs and do something with that on-base percentage," Baker said. "Clogging up the bases isn't that great to me."
I think it kinda sounds like 'the escape club'.
Get your nunchucks and the keys to your dad's car. I know where we can get a gun
Yeah, it doesn't really have much impact.
"I prefer books and movies where the conflict isn't of the extreme cannibal apocalypse variety I guess." Redsfaithful
Heres another with Bono...
Will I Am ft Faith Hill Bono and Mary J Blige - Americas Song
Just released today..

Board Moderators may, at their discretion and judgment, delete and/or edit any messages that violate any of the following guidelines: 1. Explicit references to alleged illegal or unlawful acts. 2. Graphic sexual descriptions. 3. Racial or ethnic slurs. 4. Use of edgy language (including masked profanity). 5. Direct personal attacks, flames, fights, trolling, baiting, name-calling, general nuisance, excessive player criticism or anything along those lines. 6. Posting spam. 7. Each person may have only one user account. It is fine to be critical here - that's what this board is for. But let's not beat a subject or a player to death, please.


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Arlevagen is a development of 8 houses located on a hillside in Floda with beautiful views of lake Sävelången. Helhetshus designed the development in order to offer affordable, energy-efficient, modern homes. Each lot is oriented to the east and west, and each home is placed to the northernmost edge to provide a large south-facing yard. The homes sit half on the ground and half stilted on the hill, which creates dramatic volumes inside and better views out towards the lake. A low-maintenance sedum roof tops off each house to provide extra insulation and water infiltration.
The homes are roughly shaped like boomerangs and are angled towards the south to capture sunlight. A car port and storage building sit on the north side of each house connected by shared roofs that create protected decks at the main entrances. The houses come in 4 different sizes: 127 square meter or 141 square meter ground floor area, with or without a loft of 45 square meters. Inside, the private rooms and bathrooms are situated on the west side, and the public spaces (laundry, kitchen, dining and living room) are on the east. A central staircase leads up to the lofts, which overlook the living areas. The interiors are flooded with lots of natural light, and the bright walls and floors reflect that light throughout the houses.
The homes feature wood construction with 350 mm thick walls, which are coupled with extra insulated slabs and roofs to make them well-insulated, low-energy residences. Each house also features a heat-exchanging system that reduces total energy use to less than 10,000 kWh/year.
Via ArchDaily
Images ©Bert Leandersson
2 Comments
Lawand May 4, 2013 at 8:59 am
The Design seems great. It is supposed not to be only power-saving house, functionality and aesthetics are critical for marketing such initiatives. It is mentioned that it is affordable, but how? I would like to know the costs of building compared with costs of the regular houses of the same level in different areas in Sweden. that will give an idea about how affordable they are.
r_krebs March 10, 2012 at 11:13 am
Bridgette Meinhold, green roofs like this are wonderful! I would love to know more about the insulation throughout the building, though. What is the air exchange rate? Because in a cold climate like Sweden you need metrics to measure the building's tightness. Sustainable design uses highly efficient, low-resource impact materials that durably maintain the building envelope integrity over time; reducing energy needed to heat and cool its space.
Rob Krebs
American Chemistry Council
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Tamsin Woolley-Barker, PhD.The Biomimicry Manual: What can We Learn About Resilience, Weight Loss, and Kidney Disease from the Grizzly Bear?I'm off to the wilds of Montana this week, doing some in-person, up-close biomimicry research, and I've got my fingers crossed I'll see a grizzly bear. But you know, over there, not over here. With five inch long claws, massive muscular shoulders and forearms,READ MORE >
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Jeff Cox vs Hassan Muridi
Peter Angerer vs Arni Isaksson
Daniel Weichel vsTiago Tavares
Dennis Siver vs Jonas Ericsson
Adrian Degorski vs Bram van Koppen
Mario Neto vs Przemyslaw Mysiala
Alex Cook vs Chris Rice
Jay Keiron vs Dorian Lapaj
Scott Pickering vs Marius Zaromskis
We do our best to provide accurate sizing info for all items of MMA Clothing & Equipment that we sell at MMA Universe.
You can find our sizing information here
Should you be unable to find the information you need you can contact us at any time, we would be delighted to help you!
We do our best to ensure that our shipping prices are as fair and competitive as possible. We offer four tiers of delivery each with their own benefits and we offer free delivery options with orders of £50 or more.
If you place your order with us before 2pm GMT on Mon-Fri, we guarantee to ship your order the same day. Orders placed after this time may not be processed until the next available working day (but we'll do our best to get your order on it's way ASAP). Our typical delivery times are:
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MMA Universe have simple returns policy where if you are not 100% satisfied with your purchase, you can return it within 14 days of receiving it for any of the following:
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"Nice and heavy duty " (E30265)
"these were a great way and affordable to get the hole team with the same uniform" (E23115)
"These looked great on the girls. they are a thinner material so if you are expecting the thick red lion socks these are not them. Everyone loved them though. Lots of compliments from other teams as well. " (E3200)
Next Level Women's The Perfect Tee Shirts [E70730]


text:
Windows Vista SP1, PAGE_FAULT_IN_NONPAGED_AREA, Dual Chanel Memory
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Updated: February 4, 2013 10:50AM
NEW ORLEANS — Ray Lewis got so worked up before Super Bowl XLVII on Sunday that I thought he might be too exhausted to play.
Seriously. The Baltimore Ravens star, who evokes just about every emotion possible in observers — love, hate, amazement, disgust, envy, sadness, joy — was wringing-wet and eye-bulgingly intense as he stalked off the field after a ferocious warmup in the Superdome.
Then he came back and, in the final game of his 17-year Hall of Fame career, played like a man who has more energy than, well, at least this badly wired place. In fact, it was almost unfair to make Lewis, who will be 38 in May, cool down again and wait 34 minutes early in the third quarter while somebody in New Orleans figured out how to get enough electricity into the building to reignite the suddenly blown-out lights.
As play resumed, Lewis — his No. 52 jersey untucked and his right arm harnessed in a brace resembling a false limb — stood stock-still before each snap, reading, focusing, prepared to make no false steps. It was clear from the beginning he was a limited man; hardly any other player could play middle linebacker at all with a torn triceps.
Yet he anticipated the San Francisco 49ers' read-option
plays. He dropped into zones without hesitation. He made tackles with that nearly useless arm. Pain, clearly, is something Lewis either doesn't feel or can blot out of his mind the way some can blot out remorse.
That might be why he is such an amazing football player and why, in his announced finale, with every camera stuck under his pirate-painted face, he could play the way he did. Everyone knows about the double-murder knifing incident from 13 years ago, about how Lewis was fined by the NFL for his role in it, about how evidence disappeared and about how he paid undisclosed sums to the families of each victim. Yet he never was convicted of anything but obstruction of justice and never went to jail.
You can pick two ways to look at that horrible time: Lewis is scum or Lewis is redeemed.
All heroes need redemption at some point. So, for the moment, with Lewis giving his team a final crazy dance and all that hellfire pep-talk stuff, maybe we cut him some slack and say he's going out like almost nobody ever has.
He came in with style, too. The Ravens selected the All-American from Miami with the 26th overall pick — their second of the first round — of the NFL draft in 1996. A seeming affront, right? Except the guy the Ravens took before him, offensive tackle Jonathan Ogden, was voted Saturday into the Hall of Fame. Two ballers like that? Dang.
''There is no greater win,'' Lewis said from the winner's platform after the game, ''than to go out with the men I went out with.''
There at the end, on the 49ers' last meaningful drive — the one that would make the difference between winning and losing — Lewis made two tackles and was in on a couple of others. Sure, he looked as slow as a glacier compared to young 49ers quarterback Colin Kaepernick, but who doesn't?
It was something to see, the two of them facing each other intently, separated by seven yards, by entire lives. Then it was fourth down-and-goal. Game on.
Lewis edged up slowly; maybe the nervous young man across from him didn't notice. The ball was snapped and Lewis blitzed,
his churn in the middle at least part of the reason Kaepernick's pass went awry.
The Ravens won 34-31.
And Ray Lewis, joyously, joyfully, is done.


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Traditional rewards programs are now threatened as the Durbin Amendment will significantly limit the interchange fees charged by banks fees that have historically funded the majority of existing rewards programs.
The good news is that there are alternatives available to banks that wish to continue offering rewards to their customers. Many banks are now leveraging the next evolution of merchant-funded rewards known as transaction-driven marketing. Transaction marketing programs provide rich rewards to bank customers funded by retailers marketing investments, not interchange fees. Transaction-driven marketing is unique in that targeted rewards are securely presented to bank customers as part of their digital bank experiences (online, mobile, SMS, email) and are based entirely on their purchase histories.
For banks, transaction-driven marketing provides a way to monetize their digital banking channels while simultaneously enhancing customer relationships. Consumers benefit because offers are highly relevant and help them save money on purchases they choose to make regularly.
Transaction-driven marketing represents an evolution of merchant-funded rewards in that offers are personalized based on an account holders actual spending patterns (i.e., a customer who ate at a fast food restaurant earlier this week might be presented with an offer to earn rewards from the same or another fast food chain). But bankers should not assume that all transaction-driven marketing programs have the same level of consumer and data protection. To protect a banks reputation and its customers security, a transaction-driven marketing program should never collect personal information that could be released to marketers and advertisers.
Banks are appropriately obligated to ensure that their rewards programs do not place consumers personal information at risk. Successful rewards programs can be managed without collecting or, in fact, using any personally identifiable information and without requiring any transaction data to leave the security of the financial institution. Some considerations that can help bankers better ensure that their programs are in the best interest of their customers and the bank include:
1. Does your solution require the consumer to enter his bank account user name or password for any reason other than to gain access to his bank accounts?
If you answered yes, your customers personal and transaction information may not be safe. This presents a potential problem that could create negative attention and cause you to lose customers. To avoid this, make sure that your customers personal and transaction data remains secure within your bank at all times.
Asking a consumer to re-enter his personally identifiable information like bank account user name and password, card number or email address could allow a third party access to that account information. It is much more secure to consumers and much less risky to the bank if the targeting of the rewards program operates entirely under the control of the bank.
2. Does the transaction data ever leave the security of your banks data center?
No transaction data should ever leave the security of the banks data center. Some transaction-driven marketing platforms require that transaction data leave the bank (either directly or via a merchant acquirer) to an off-site server. Once out of the control of the bank, that data is vulnerable and the banks reputation is at risk. Keeping the data securely within the banks data center should be advantageous to all parties involved in providing the rewards program.
3. Do marketers and advertisers have access to your customers information?
As mentioned, the safest transaction-based rewards programs never ask for your customers personal information, such as name, email, phone number, bank account number, user name or password, to gain access to transaction data. In simplest terms, if your rewards program does not require the collection of that information, then it cannot be passed on to marketers or advertisers.
Marketers can take advantage of highly successful campaigns without bank customers information by targeting specific purchasing characteristics, which may include ZIP code, store name, store category, purchase frequency or amount of expenditure, all masked behind an arbitrary account ID. Only the bank would know the correlation between the actual account number and arbitrary account ID. Banks then route retailers offers to transactions from that arbitrary account ID based on pre-determined purchasing characteristics. This way, there is absolutely no doubt that marketers and advertisers do not get access to personally identifiable information.
As privacy issues continue to remain front-page news, banks must be vigilant in protecting their customers personal information through their rewards programs. By ensuring complete privacy of your customers personal information, bankers can continue to provide meaningful rewards programs that support customer loyalty and generate needed revenue without relying on interchange fees.
Scott Grimes is founder and CEO of Atlanta-based Cardlytics.
Copyright (c) January 2012 by BankNews Media


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mouse over photo to zoom click for larger image
Perfect Form A-line Shift Dress
Price Reflects Savings
Grosgrain piping is just one of the little details that gives this shift WHBM sophistication. Rendered in our ultra-comfortable, wrinkle-resistant Perfect Form® fabric that feels beautiful on every body. Shell: 58% Cotton, 39% Nylon, 3% Spandex. Lining: 100% Polyester. Machine wash or dry clean. Imported.
- Semi-fitted with princess seams at bust.
- Notched neckine. Top-stitched seam on the hip gives an hourglass curve to the waist accented with button tabs. Hidden back zip with hook-and-eye closure.
- Fully lined.
- Length: 37" from shoulder.
We're so sorry: this item sold out sooner than expected. For an equally stylish substitute, please call our Style Experts at 1.877.948.2525. Or click on Live Help below for immediate assistance.


text:
CB Digital Flip-Book Program Landing Page
Digital Flip-Book Program
Turn your printed marketing materials into interactive, digital flip-books and save valuable resources — time, money and paper!
-Convert your existing PDF file
-Engage customers, drive response
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-Priced at $7 per page!
View All The Possibilities!
Get A Quote Now!
Other Useful Links
View Digital Flip-Book Tutorial
View A Gallery of Customer Projects
Toll Free: 866-444-4216
Direct: 330-721-9126
Fax: 330-723-6598


text:
New Arrivals
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Nantucket Blues Nira Top
The silhouette: smocked at the neckline and ruched at the waist for a feminine blouson effect. The print: head-turning in high impact hues.
- Iridescent shell buttons.
- Banded button cuffs.
- Length: 24" to 27".
- 100% polyester.
- Machine wash. Imported.
We're so sorry: this item sold out sooner than expected. For an equally chic substitute, please call our Personal Service Associates at 1.888.855.4986. Or click on Chico's Chat below for immediate assistance.


text:
That fight was so great. My heart was racing the whole time. Those guys just put on one of the best fights of the year. Melendez/Sanchez doesn't have anything on that fight!
I really wish Eddie would have sunk in that RNC. That would have been downright insane. I cannot wait for the third!
Chandler's eye, or lack thereof. Ouch.
That gif is sad, lmao.


text:
This WaterSense®-labeled high-efficiency toilet combines water conservation with the versatile style of the Cimarron collection. A 1.28-gallon flush provides significant water savings of up to 16,500 gallons per year, compared to a 3.5-gallon toilet, without sacrificing performance. This toilet features innovative AquaPiston technology, a patented flush engine that delivers a fast, powerful, and virtually plug-free flush. An elongated bowl, positioned at the height of a standard chair, offers comfort and ease of use. An insulating tank liner helps prevent condensation on the outside of the tank.
Configure and Add Required Items
There are additional items required to install this product.
Height 30-3/4"
Length 28-3/4"
Width 17-5/8"
Template & Symbol Downloads
To open these downloads you will need specific programs such as Autocad.


text:
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Travelers Collection Swirl Mesh Vest
Three modern updates to the vest silhouette: graphic swirls, the longer length, and flowy cascading hem.
- Travelers™ Collection items are custom-colored to match our wrinkle-free Travelers™ Classics.
- Airy mesh fabric is luxuriously soft and wrinkle-resistant.
- Length: 27".
- 95% nylon, 5% spandex.
- Hand wash. Imported.
We're so sorry: this item sold out sooner than expected. For an equally chic substitute, please call our Personal Service Associates at 1.888.855.4986. Or click on Chico's Chat below for immediate assistance.


text:
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Discover the Isabella Oliver AW14 Maternity Collection. Same Woman. New Curves
Please try changing your selection or entering different keywords.
Looking for information about placing an order, delivery times or payment options? Visit our Help pages.
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Copyright © 2014. Isabella Oliver | All Rights Reserved


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- Product information
- Italian Lager
- Light bodied, crisp and refreshing from the town of Biella, Piemonte in Italy.
- About this bottle: This Italian lager is brewed using a completely natural slow fermentation using spring water from the Alps. Since 1846, this family owned brewery has carried on the tradition for five generations.
- Water, Malted Barley, Maize, Hops and Yeast
- More information
- Bottle size: 500 ml
- Alcohol content: 5 %
- Alcohol units per bottle: 2.5
- Alcohol units per serving: 0.0
- Allergens: Barley
- Gluten
- Stopper type: Crown cap of purchase
- Bottling address: Brewed & Bottled In Italy
Not available for international delivery.
We make every effort to deliver you the same vintage wine as the one advertised.
Sometimes we only have limited stock and may have to send you another vintage. If you're not happy with the wine you receive please contact us.
Licensing Act 2003: It is an offence to buy or attempt to buy alcoholic liquor if you are under the age of 18
Please drink responsibly
Country: GB
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text:
I read that in Vipassana (inight) meditation the mind should be directed to experienced phenomena, such as thoughts or sensations, to see them clearly as impermanent, dissatisfying, and non-self.
How exactly do you 'see them clearly' and know that you are seeing them clearly?
For instance, during the in-breath, do you note them using internal verbalisation:
1) "unsatisfying."
2) "impermanent."
3) "not self"
... when these things become apparent about the breath?
If I just "attend and let go" as many texts say then how do I now that I'm not just vapidly watching stuff, like the wife watching a football match and not taking anything in? Does it just "click" that these things you are watching are impermanent, dissatisfying, and non-self? Could the 1), 2), 3) verbal analysis be helpful? Like if you get the wife to shout out "offside", "penalty", "free kick", she concentrates a lot harder and learns a lot more about the game?