How To Negotiate With Nationwide In Oregon
Posted on May 25, 2020 in Car Accident
It comes to auto insurance companies, Nationwide is one of the most well-known carriers. While most people can recite the jingle for Nationwide in their head, that is not what they need to know in the event they are involved in a traffic collision. You need to know how to negotiate with Nationwide in Oregon in the event you or a loved one are involved in a car accident.
Nationwide is a huge “for-profit” company
The most important thing to keep in mind when you were dealing with Nationwide is that they are working to make a profit. This means that they will do what they can to lower the amount of money they pay. However, there are ways you can work to ensure a fair settlement.
Make your claim
You need to report your accident to Nationwide after the incident occurs. This can be done fairly easily through their mobile app, online, or on the phone 24 hours a day. You do not have to go into detail when you make your initial accident claim to Nationwide.
Document your case
Beginning right after the accident, your goal is to preserve evidence in order to bolster your case for a fair settlement offer. If it is safe to do so at the accident scene, use your smartphone to take pictures of everything, including damage to vehicles, any injuries you have incurred, any causes of the accident, debris lying around, and more. Be sure to keep all property damage estimates as well as any medical bills you incur, along with all out-of-pocket expenses you incur due to the accident.
Watch out for Nationwide insurance adjusters in Oregon
Soon after you make your initial report, Nationwide will assisn a claims adjuster to investigate your accident. Nationwide claims adjusters may seem incredibly friendly when they speak to you. Their goal is to make you think they are your friend, but please understand that they work for the insurance carrier, not you. A Nationwide claims adjuster will use various tactics to lower the settlement they make. This includes getting you to change your story about how the accident occurred or getting you to admit you are not as severely injured as you claim.
Do not accept initial settlement offers from Nationwide
Nationwide is going to make an initial settlement offer fairly soon after your Oregon car accident. Please understand that this initial offer is likely going to be far below what you should be receiving in a settlement. You will want to send a response in the form of a demand letter that totals every expense that you have documented, including medical costs, lost income, out-of-pocket expenses, property damage expenses, and more.
You may not even know the full extent of your losses until well after the accident occurs, particularly if you have sustained a severe injury. Never accept a settlement offer until you have reached maximum medical recovery.
You should speak to an attorney
Nationwide wants to make you think they are looking out for your best interests, which is why they will provide an initial settlement offer quickly. However, you may need to secure a Portland car accident lawyer who can handle your case for you. A qualified and experienced attorney will be able to investigate your case, properly calculate your total expenses, and handle all negotiations with an aggressive insurance claims adjuster from Nationwide. Your insurance carrier is much more likely to offer maximum compensation if you have an attorney on your side.