Nationwide auto insurance Worst auto insurance company EVER Nationwide

First and foremost, nationwide are a bunch of high way robbers.  If you read nothing else remember that! Here is what happened. My husband and I are going through some financial difficulties but beside that we have paid nationwide every month though sometimes late we Always pay.  We have been customers with nationwide for three years.

At the end of December my husband, lets call him Bob, called nationwide and asked for more time to make our payment to which the rep said "ok no problem we can give you an extension"...great!

Fast forward to January 7th I was driving and hit black ice, my car practically went into a spin and ended up going off road and hitting a mile marker.  That same night I called nationwide and placed a claim.  The rep on the phone took my claim and scheduled us to bring the car to an auto body shop and scheduled a rental car company.  So far so good.

My husband, bob took my car into the auto body place on january 8th to get fixed and was told the car was undriveable and that we needed to get a rental Car.  That same day, Jan, 8 2014, I made a payment over the phone and was given a confirmation # that my payment was all set. After that I had to call back nationwide to secure the rental because enterprise wanted my credit card info to put a $150 hold on my card.  I had two reps on the phone with me from nationwide, however we were unable to contact enterprise, I figured I had no choice as bob had no way to get home so I forked over the $150 figuring I would get it back when I turned in the car.

The next day January 9th, the adjuster called me and asked for my claim, which she said she needed to record, so I told her what happened and then she said "ok I am turning off the recording and by the way, I do not see you were covered by insurance the day of your accident." I immediately told her I had just made a payment over the phone and had spoke with 4 different representatives including the first one who took my claim without hesitation, and not one had mentioned anything about the policy being cancelled.  In addition I never received a letter, email, nothing! She said the policy "lapsed" on January 6th the day before my accident. Of course I was furious, why had they made us go through all that work only to tell us that we could not get our claim approved.  I also mentioned the conversation bob had with a rep from nationwide back in December requesting more time, she stated she would have another department look into the recordings to see if they could find it and that someone would get back to me.  At this point after reading all the negative reviews on nationwide I am not holding my breath on hearing back from them.

In the mean time I had to put the auto body work on hold and now I have to return my rental because nationwide is a horrible company that only cares about their bottom dollar.  Also their lovely false advertising, on your side...whose side are they on may I ask?