How to Negotiate with Nationwide Insurance After a Rear-End Collision

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Nationwide is one of the largest car insurance and financial services companies in the United States, with more than $130 billion in assets. If you are injured in a rear-end collision, there is a chance that the person at fault is insured through Nationwide.

Like all insurance companies, Nationwide is primarily concerned with making a profit, which it does by taking in more money in premiums than it pays out in claims. Therefore, the company will do whatever it can to minimize your injury claim.

If you or a loved one has been injured in a wreck, call Zinda Law Group at (800) 863-5312 for a free consultation with an experienced El Paso car accident attorney.

What to Expect in an Injury Settlement with Nationwide Insurance

After the dust settles from the accident, you will need to file a claim with Nationwide. It is important to file the claim as soon as possible.

After this step is completed, you should be prepared to negotiate a settlement with a claims adjuster. Understanding and preparing for how the negotiation process works is an important step towards settling your claim.

Nationwide’s Response to Your Claim

Nationwide will respond to your claim by sending a “reservation of rights” letter. This letter indicates that Nationwide will investigate your claim, but they are not admitting liability. The letter provides protection for Nationwide in the event you try to claim the at-fault party’s insurance policy covers your accident solely because Nationwide began settlement negotiations with you.

Crafting Your Demand Letter

Send a demand letter to Nationwide detailing the following:

  • Facts of the accident
  • Injuries you sustained
  • Damages you are requesting, including:
    • Lost income;
    • Medical expenses; and
    • Other out of pocket expenses.

Ensure the demand letter has a total amount that you are seeking from Nationwide. Make sure you start with a high number so that you have plenty of room to negotiate.

Before speaking with the claims adjuster, determine a minimum settlement amount that you would be willing to accept. Keep this information to yourself. Be willing to adjust the number if the insurance company highlights facts that weaken your case.

First Offers Are Usually Too Low

Nationwide, like other insurance companies, is looking for ways to limit the amount they pay out in claims. Therefore, the first offer an adjuster makes will likely be lower than your claim is worth. However, this will likely not be the only offer they are willing to make.

You should reject an unfair offer and make a counteroffer by writing a letter to the adjuster stating the reasons why you are rejecting the offer. Your counteroffer should reduce your initial demand slightly in order to show the adjuster you are willing to compromise. The negotiation process could go back and forth with offers and counteroffers, so be patient and persistent.

Strategies for Settlement

During the negotiation make sure to highlight the strongest points of your case. Talk about any long-term or permanent effects of the accident or any suffering your family has endured because of the accident.

These points will be difficult for the adjuster to ignore, and they can be powerful tools in reaching a settlement. When the negotiation is over and you have reached a settlement with Nationwide, confirm it in writing. Send a short simple letter that includes the amount settled on, which damages or injuries the settlement covers, and the date you are expecting the documents from Nationwide.

Our El Paso Car Accident Attorneys Can Help You

At Zinda Law Group, our El Paso injury lawyers have helped thousands of crash victims get their lives back on track after an accident. We have the knowledge and resources necessary to help you build the strongest claim possible against Nationwide and pursue maximum compensation for medical bills, property damage, lost income, pain and suffering, and more.

Our firm also believes an injury victim should never have to worry about being able to afford excellent legal representation. That is why we offer 100% free consultations, and why you pay nothing unless we win your case. That’s our No Fee Guarantee.

If you or a loved one has been injured in an automobile accident, call Zinda Law Group at (800) 863-5312 to receive your free consultation with one of our experienced El Paso car accident lawyers. Meetings with attorneys by appointment only.