How to File a Claim Against Nationwide Insurance in Florida

You Could Be Leaving Thousands On The Table!
If you have been injured in a car accident or suffered property damage and the at-fault driver is insured by Nationwide Insurance, you may need to file a claim against their insurance policy. Unfortunately, Nationwide Insurance – like many large insurers – may delay, undervalue, or even deny legitimate claims. Understanding the process of filing a claim against Nationwide can help you protect your rights and increase your chances of a fair settlement.

Steps to File a Claim Against Nationwide

Here is a step-by-step guide to help you file your claim effectively:
1. Report the Accident – Immediately report the accident to the police and obtain a copy of the police report. This will serve as important evidence in your claim.
2. Notify Nationwide – Contact Nationwide to report the accident. You can call their claims department or file online through their website or mobile app.
3. Gather Documentation – Collect all relevant documents, including medical records, repair estimates, photos of the accident scene, witness statements, and proof of lost wages.
4. Work with an Adjuster – Nationwide will assign a claims adjuster to investigate your case. Be cautious when speaking with adjusters—they often look for ways to minimize payouts.
5. Negotiate a Settlement – Once Nationwide makes an offer, review it carefully. Many initial offers are lower than what you may actually be entitled to receive.

Why Claims Against Nationwide Are Challenging

Nationwide is one of the largest insurance companies in the United States, and like many insurers, its priority is to protect profits. This often means:

Delaying claims to pressure claimants into lower settlements
Using aggressive tactics to dispute injuries or damages
Making lowball offers that do not cover the full extent of losses
Denying claims altogether without sufficient justification

Having an attorney in Florida on your side can balance the scales and increase your chances of securing fair compensation.

When to Consider Suing Nationwide

If Nationwide Insurance refuses to pay a fair settlement, you may need to file a lawsuit. Common reasons to sue include:

A denied insurance claim
Unreasonably delayed claim processing
Bad faith insurance practices
Settlement offers far below your documented losses

In Florida (and many other states), insurance companies are legally required to act in good faith. If Nationwide fails to do so, they can be held accountable in court.

Tips for Filing a Successful Nationwide Insurance Claim

Keep detailed records of all communications with Nationwide.
Never sign documents or accept payments without reviewing them carefully.
Avoid giving recorded statements without legal advice.
Seek prompt medical care to document injuries.
Consult with a car accident attorney before agreeing to a settlement.

FAQs: Filing a Claim Against Nationwide Insurance

How do I start a claim with Nationwide Insurance?
You can start by filing through their website or using the Nationwide mobile app. Make sure you also report the accident to the police.
Does Nationwide deny valid claims?
Like many insurance companies, Nationwide may dispute or undervalue certain claims. Working with an attorney can help protect you from unfair treatment.
How long does it take to settle a Nationwide claim?
Settlement timelines vary, but many cases take several weeks to several months. Delays are common when insurers dispute damages or liability.
Can I sue Nationwide for bad faith?
Yes. If Nationwide acts in bad faith—such as unreasonably delaying, denying, or underpaying your claim—you may be able to file a lawsuit for additional damages.