How Does Nationwide Insurance Handle Car Accident Injury Claims? | Boulder Injury Lawyers

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If you have recently been injured in a motor vehicle accident, it is likely that you are concerned about several important issues. Having to worry about medical treatment, missed time from work, dealing with insurance companies, and finances makes an already unfortunate situation much more stressful. Becoming familiar with the insurance claims process and understanding what it consists of may help alleviate some of the stress associated with being involved in a car wreck.

Known far and wide for its catchy “Nationwide is on your side” jingle, Nationwide Insurance is one of the most popular providers of auto insurance in the country. With a strong presence in Colorado, Nationwide likes to promote the ideas of customer service and trustworthiness to its customer base.

Although Nationwide may strive to keep its customers happy, the company’s primary goal is to make money. Nationwide meets this goal by receiving more money in premiums than it pays out in claims. This means that although Nationwide may indeed provide friendly customer service, the company also must find ways to pay out as little as possible when dealing with car accident injury claims. Understanding how Nationwide handles car accident injury claims can make you aware of the tactics that the company uses to try and pay out as little as possible.

If you or a loved one has been injured or involved in an automobile accident and are dealing with Nationwide Insurance, call Zinda Law Group at (800) 863-5312 for a 100% free case evaluation with our skilled and experienced Boulder car accident attorneys.

Filing an Auto Claim with Nationwide

After being injured in a car accident, you may have to file a claim with Nationwide if the company insures the at-fault individual or entity, or if you have personal coverage through a policy with Nationwide.

The most popular method for filing a claim with Nationwide is by calling the company at 1-800-421-3535. You can also file a claim online at, or by calling your Nationwide agent. Nationwide suggests that you contact them as soon as possible after being involved in a car accident.

Before reporting your claim, you should have important information regarding the incident handy. Such information includes:

  • The names and contact information of the parties involved in the car accident;
  • The date, time, and location of the accident;
  • The make, model, year, and license plates of the vehicles; and
  • The injuries or vehicular damage sustained

You may want to consider consulting with an attorney before sharing the details of your accident with Nationwide. This is especially so in cases where you sustained injuries as a result of the automobile accident. Consulting with an experienced injury attorney who can guide you through the question-and-answer process can lower the chances of your responses hurting the overall value of your claim.

When reporting your claim, you will be put in touch with a claims representative from Nationwide. The representative will ask you questions regarding the accident, discuss coverage options, and answer any questions you may have. The representative will then schedule an inspection of your vehicle to assess the damage.

Handling Your Claim

After your car accident injury claim has been filed, a Nationwide claims professional will review your report and initiate the claims process. This process will consist of Nationwide assigning a claims adjuster to your case. The adjuster will be responsible for investigating the facts and circumstances regarding the accident that led to your injury. It is very important to remember that the adjuster is working with Nationwide’s best interests in mind, not yours.

Once the adjuster is done investigating the circumstances of the auto accident and your resulting injuries, he or she will rely on methods and formulas used by Nationwide to come up with a dollar amount that is supposed to correspond to your injuries and damages. However, it is important to realize that these tactics are designed to minimize the amount that the company has to pay out on your claim.

For instance, Nationwide may try low-balling you in hopes that your desperate need for cash will force you to accept the offer. Nationwide may also try to justify its offer by claiming that your injuries were caused by a prior event and not the car accident, that your injuries have healed since the date of the accident, or simply that your claim is not worth as much as you say it is.

Settling and Negotiating Your Claim

As previously mentioned, the strategies and tactics used by Nationwide will likely result in the company making an initial settlement offer that is below the actual value of your claim. Although this is certainly a frustrating fact, it is important to realize that it is possible to negotiate a more favorable settlement offer. If you find yourself in this situation, you may want to consider consulting with a skilled injury attorney who can provide you with valuable information and tips regarding the negotiation of your settlement offer.

The negotiation process is essentially a back-and-forth communication between you and the claims adjuster. Negotiating with Nationwide will require you to support your demands by providing the insurance company with evidence and documentation regarding your accident and subsequent expenses. An ideal negotiation process will result in a settlement amount that is satisfactory to both you and the insurance company.

Filing a Lawsuit

Before deciding whether to file a lawsuit against Nationwide, it is important to consider what your claim is actually worth as well as the likelihood that your case would win at trial.

Estimating your claim’s value, which requires you to calculate all of your expenses, bills, and lost income, will allow you to determine whether a proposed settlement offer is acceptable or not. Having a concrete number in mind will make it easier to decide whether to accept or reject a settlement offer.

Finally, you should take into consideration the legitimacy of your case. Consider the evidence and documentation on your side and whether it supports your financial demands.

If you are unsure of how to assess these factors, consider discussing your case with a personal injury attorney. An attorney with experience in dealing with car accidents can provide valuable advice on how to proceed with your claim.

Our Boulder Car Accident Lawyers Can Help You

At Zinda Law Group, our Boulder auto injury attorneys have the skill, experience, and desire to assist you following a car accident. Our attorneys have access to resources that can help you build the strongest claim. Our attorneys will work tirelessly to assist you in seeking compensation for medical bills, property damage, lost wages, pain and suffering, and more.

Our firm also believes that 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 would like to speak with an experienced Boulder car accident lawyer, or to learn more about the Nationwide Insurance claims process, call Zinda Law Group at (800) 863-5312 to receive your free case evaluation.

Meetings with attorneys are by appointment only.