How to File a Claim Against Nationwide Insurance in California

Don’t Settle for Less—Maximize Your Compensation After an Accident
If you’ve been injured in a car accident in California or suffered property damage caused by a driver insured by Nationwide, filing your claim correctly is essential. As one of the largest auto insurers in the U.S., Nationwide is known for delaying claims, undervaluing injuries, and denying fair compensation. This guide explains how to file a claim against Nationwide in California, the challenges you may face, and when to consult a California car accident lawyer.

Steps to File a Claim Against Nationwide in California

1. Report the Accident Immediately

After the accident, notify the appropriate authorities:

Local accidents: Contact your city’s police department.
Highway/freeway accidents: Notify the California Highway Patrol (CHP). A police report is critical evidence for your Nationwide claim.

2. Notify Nationwide Insurance

Report the accident to Nationwide as soon as possible:

Call: 1-800-421-3535 (24/7 claims hotline)
File online: Nationwide Claims Portal
Use the app: Nationwide Mobile App

⚠️ Warning: Anything you say can be used to reduce or deny your claim. Avoid giving recorded statements without legal advice.

3. Gather Strong Evidence

Nationwide adjusters scrutinize documentation. Collect:

Medical records and bills
Vehicle repair estimates and invoices
Photos/videos of the accident scene
Witness statements and contact info
Proof of lost wages or reduced earning capacity

Strong evidence strengthens your claim and counters lowball offers.

4. Deal Carefully With the Nationwide Adjuster

Nationwide adjusters prioritize the company’s interests, not yours. Never sign paperwork or give recorded statements without consulting a lawyer first.

5. Negotiate or Escalate Your Claim

Nationwide’s initial settlement offers are often far below your claim’s true value. If negotiations stall or your claim is undervalued, a California car accident attorney can push back—or file a lawsuit if necessary.

Why Nationwide Claims Are So Challenging in California

Many California accident victims report that Nationwide:

Delays claims to pressure quick, low settlements
Disputes medical treatment or injury severity
Makes lowball offers
Denies valid claims without proper explanation

These tactics are common in California car accident claims involving Nationwide.

When to Sue Nationwide for Bad Faith in California

You may need to file a lawsuit if Nationwide engages in insurance bad faith, such as:

Unreasonable claim delays
Denying claims without justification
Failing to conduct a proper investigation
Offering settlements far below documented losses

Under California law, insurance companies must act in good faith. If Nationwide violates this duty, they can be held liable for additional damages beyond your original claim.

Tips for a Successful Nationwide Claim in California

✅ Keep detailed records of all communications with Nationwide

✅ Never accept a settlement without reviewing it carefully

✅ Seek immediate medical care—even for minor symptoms

✅ Avoid recorded statements without legal advice

✅ Consult a California Nationwide accident lawyer early

FAQs: Nationwide Insurance Claims in California

How do I start a claim with Nationwide?

File online, through the Nationwide app, or call 1-800-421-3535. Always file a police report first.

Does Nationwide deny valid claims in California?

Yes. Many claims are delayed or undervalued. A California personal injury attorney can protect your rights.

How long does a Nationwide claim take?

Some settle in weeks, but many take months—especially when injuries or liability are disputed.

Can I sue Nationwide for bad faith in California?

Yes. If Nationwide unreasonably delays, underpays, or denies your claim, you may sue for bad faith damages.

Get Help With Your Nationwide Claim in California

If Nationwide is refusing to pay what your claim is worth, don’t fight them alone. A skilled California personal injury attorney can handle negotiations and pursue maximum compensation.