If you’ve been in a car, truck or motorcycle crash with a driver who has Nationwide insurance, please read this story before talking with one of their adjusters. It could save you a lot of money and heartache.
But before I get into the meat of this story, let me share some quick bullet points. If you read nothing else, read this list:
Now that I’ve covered the most pressing information, let’s dive in! In this article, I am going to discuss several of the ways that Nationwide insurance company tries to limit how much it pays victims of car crashes, and why you should hire a Denver personal injury law firm, including the following:
If you were hit by a driver with Nationwide insurance, you should call a personal injury attorney before you talk with anybody else. The O’Sullivan Law Firm offers free consultations and we have negotiated with Nationwide on behalf of crash victims many times. We always get what our clients are owed.
The worst thing you could do after a car, truck or motorcycle accident with a driver who is insured by Nationwide is to talk to their adjuster without talking to a personal injury attorney first. Why? Did you know that Nationwide insurance will record everything you say?
Now, you may think, “I have nothing to hide, so I don’t care if they record me.” But I have seen completely innocent people say things that undermine their case against Nationwide drivers, wiping out thousands of dollars that they most certainly had a right to in the settlement. How does this happen? In completely innocent ways.
For example, car and truck accidents typically happen in the blink of an eye. Usually, victims only have time to reflect on the circumstances of the crash hours or days later. And, as most humans do, they start to wonder what they could have done to avoid the crash, the pain, the losses. Even if there was absolutely nothing at all that they could have done differently. Our brains torture us this way.
Well, if you get on a call with a Nationwide insurance adjuster who is trained to sound empathetic and to manipulate you based on your vulnerabilities, it won’t be long before you say something like, “I wonder if I could have hit my brakes faster.” But you were blindsided, T-boned by a blur coming from the side. Even if the police report states that the other driver was 100% at fault, Nationwide will use your words to try to place a percentage of the blame on you.
Also, we live in a polite society and most people don’t want others to worry about them. If the insurance adjuster asks how you’re doing, and you say, “Oh, I’m doing fine,” or “I’m feeling so much better,” the insurance adjuster will claim that you were never as injured as you clearly were.
You need to talk to a personal injury attorney before you speak with a Nationwide insurance adjuster. Or, even better, have an attorney on every call with you. I am a former insurance company defense attorney. Yes, I used to work for those jerks. But my conscience couldn’t take it anymore and, over 25 years ago, I switched sides. Now, I work for car and truck crash victims, and I know the tricks that Nationwide plays.
It is free to get a consultation with me, so you have absolutely nothing to lose by contacting me to review your case. I would love to hear your story and discuss the ways that you can fight Nationwide insurance.
If you were hit by a Nationwide driver, Nationwide insurance company may employ several strategies to limit their payouts to you. It’s important to note that while Nationwide has a legal and ethical obligation to compensate you for your legitimate claim, they also have a financial interest in minimizing their costs. In fact, their first priority is to make sure their shareholders are happy, meaning that Nationwide adjusters are incentivized to make a profit by lowballing crash victims.
Here are some ways Nationwide insurance may try to limit your payout:
Don’t put up with this ridiculous slow walk. Hire an experienced personal injury attorney who knows how to stand toe-to-toe with these behemoth insurance companies and beat them at their own games.
As mentioned earlier, you should never speak to an adjuster without first talking to a personal injury attorney. Your attorney can make sure that the other driver maintains 100% of the liability.
You do not have to show them your entire medical history, but they will try to get you to give it to them in very underhanded ways. Then, they will scour your entire history, looking for prior injuries that they can blame for the pain you’re feeling.
You should have a personal injury attorney review any offer made to you by Nationwide insurance. I have almost never seen any insurance company offer the full amount that a victim is owed in their first offer.
Usually, Nationwide is trying to use inscrutable legal language as smoke and mirrors to baffle victims into accepting lowball offers. The O’Sullivan Law Firm has read thousands of insurance policies and we don’t let Nationwide get away with these tactics.
Nationwide may attempt to limit payouts to protect their bottom line and satisfy their shareholders. if you believe Nationwide insurance is acting in bad faith or unfairly denying your legitimate claim, contact the O’Sullivan Law Firm immediately for a free consultation.
In my experience, car crash victims should never take the first offer made by Nationwide insurance. Usually it is far lower than they actually owe you and they are hoping that you will feel desperate enough, or grateful enough to accept an offer that, in the end, won’t even come close to covering your needs.
In fact, you may not even understand all of your future medical costs or losses yet!
When it comes to accepting a settlement offer from Nationwide after a car accident, it’s important to speak to an experienced personal injury attorney before making a decision.
Here are a few factors that you and your attorney should consider:
Taking the time to assess the full extent of your injuries can help ensure that any settlement offer adequately compensates you for your medical bills, rehabilitation costs, pain and suffering, and potential future medical needs.
Most people don’t know that good personal injury attorneys see the same types of injuries many times in their careers, so they have a good understanding of how long your recovery may take and how much money you will need to cover the medical bills.
This area of the law is extremely complex and I strongly suggest that you speak with an attorney to find out what areas you may be able to count as losses under a settlement with Nationwide.
Now, as I stated earlier, Nationwide will probably try to pin some of the blame on you even if their driver was 100% at fault. Call the O’Sullivan Law Firm for a free consultation before accepting any blame in a crash that wasn’t your fault.
They can negotiate on your behalf with the insurance company to secure a higher settlement. The O’Sullivan Law Firm offers free consultations, so you have nothing to lose. Call or text today: 303-388-5304.
If a Nationwide adjuster wants to speak with you after an accident, it is likely they are looking to gather information regarding the crash. However, as we mentioned earlier, you should never trust them.
Here are some details that the Nationwide insurance adjuster may want to obtain from you:
Call the O’Sullivan Law Firm for a free consultation before you share any details of the car, truck or motorcycle accident with a Nationwide insurance adjuster.
If you are the victim of a crash with a Nationwide driver, that police report will provide a huge help in your claim.
Because they may ask you to provide information about any medical treatments you received and any expenses you incurred as a result of the accident, I recommend that you absolutely have a personal injury attorney on this call with you. Only a seasoned attorney will understand if Nationwide’s questions are leading you into a corner that you can’t get out of.
Only a Colorado personal injury attorney can assess whether this request should be honored.
Remember, if you DON’T hire an attorney, you will be the only person putting your needs first. You will be facing off against a giant legal machine whose only job is to pay you as little as possible. There is truly no downside to getting a free consultation with a personal injury attorney before beginning this process. Don’t you want someone on your side? Call or text us today: 303-338-5304
It’s no secret that personal injury attorneys have a bad reputation these days due to the ridiculous TV commercials and billboards they create.
It’s too bad, because the profession is actually extremely important and there are those of us – the small personal injury firms – who treat our profession as a calling, a way to help the little guys win against Nationwide’s underhanded tactics.
So, here are some reasons why you might consider trusting the O’Sullivan Law Firm and the services we provide:
We understand the legal complexities involved and can provide you with guidance based on our expertise. Personally, I have been practicing for over 25 years in Colorado, which very few attorneys can say.
I know the laws, the courts, the judges and the tricks that Nationwide plays.
Nationwide insurance adjusters to ensure you receive fair compensation for your injuries, medical expenses, property damage, lost wages, and other applicable damages. We will protect your rights and advocate on your behalf.
With over two decades of experience, I can handle all the legal procedures on your behalf, ensuring that everything is done correctly and within the required time frames.
This arrangement allows you to access legal representation without upfront costs, as the attorney’s fees are typically a percentage of the compensation you receive.
At the O’Sullivan Law Firm, we have seen every trick in Nationwide’s book and we know how to protect victims of car crashes from Nationwide’s underhanded tactics. Contact the O’Sullivan Law Firm for a free consultation if you are hit by a driver with Nationwide insurance. 303-388-5304