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John Fenner

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Review of the Nationwide, Home Insurance:

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strange business practice at end of coverage

excerpt from our letter to a collection agency sent by Nationwide --- We regret to inform you that your company has paid money to Nationwide Insurance for worthless collections. The invoices involved were not authorized by us by any means (i.e., not by phone, not by letter, not by docusign, not by fax). Note that Nationwide Insurance did not bill our credit card, which they had on file when we started our insurance, for these charges. They would reasonably done so if the charges were legitimate. If they had billed our credit card we would have stopped such charges through the credit card company itself because we did not authorize any such charges and they could not prove we had authorized any such charges. Yes, we had insurance with Nationwide Insurance at one time. We paid IN ADVANCE for insurance coverage (automobile and renter’s insurance coverage), which is standard insurance company practice. Insurance companies do NOT engage in the practice of letting people buy coverage AFTER a claim. The coverage we had with Nationwide Insurance was for a specific duration only. The duration ended and we reinsured with another company. There was no permission given for charging in perpetuity. Nationwide, without authorization from us and without proof of authorization, say they continued coverage of our account for some number of months. We never authorized this. We have no proof that Nationwide did continue coverage because we never filed a claim after our insurance expired. We doubt that Nationwide would have honored a claim of any sort on a policy that was not paid for in advance. In fact, during our entire coverage with Nationwide we submitted no claims of any type, and they made enough profit from our policy to pay for claims of other insurees. We suspect they wanted to keep clients like us, so they claim they held our account open even without our authorization. If it is the practice of Nationwide to cover parties without payment of any kind before claims are submitted they would never have stopped our coverage since we have had no claims for auto or renter’s insurance. So the logic of this bills even more suspect. This is really very poor business practice by Nationwide Insurance and your firm should be warned not to pay for any similar accounts submitted by Nationwide. Reviewed on: 15th December 2022

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