My legally parked, unoccupied car was destroyed by a drunk driver covered by Nationwide Insurance. Nationwide concluded that the car is a total loss. I had just purchased the car (a rare, pristine 1994 Audi S4 Quatro) only few weeks earlier at a cost of approximately $9,500. Nationwide first offered $5,200. After I complained they gave their "final offer" of $6,700. I provided full documentation of the car's condition, options, upgrades with receipts. I provided current advertisements for comparable cars showing sale prices of $9,000 - $11,000 nationwide.
Nationwide's "Auto Settlements Unit" has ignored everything I sent /and/ claimed that I "only submitted advertisements for high end cars." What I sent were examples of other "high end" cars because mine was a high end car.
I thought that the people I was dealing with just didn't understand, so I went to great lengths to explain. [continued below]....
..... What I know know is that Nationwide uses a company called "CCC Valuescope" to provide valuations. CCC Valuescope provides low valuations, then Nationwide points to those low valuations as justification for paying an unfairly low amount. CCC Valuescope has already lost at least one class action lawsuit for providing fraudulently low valuations and are the subject of at least one other current class action suit. I am fortunate in that I don't urgently need the money I'm owed so I will most likely joint the class action suit.
If you use Nationwide you should understand that their system is skewed - beyond a reasonable amount - to avoid paying you a reasonable amount should you file a claim. I will no longer do business with any company that contracts with CCC Valuescope as I believe such a company - like Valuescope - cannot be expected to behave ethically when needed.