Nationwide really screwed me over years ago too. The only time they really do any good is when they are the agent that is paying for damage caused by their 'at fault' client in an accident. Basically they do the same as they do any other time and try their best not to pay.
In my case I had a 55 Chevy that was wrecked in a towing accident caused by debris in the road. They decided after the wreck that the insurance I had on the car wasn't the 'right' kind so they were only willing to pay something like $2000 for a car with well over $13,000 invested in it. I fought and finally got paid, not as much as I wanted, but I did keep the 'salvage' for the running grear. On the other side of things, I had a guy cross the center line and hit me, totaling my '88 Ford F150 about 13 years ago. The truck was high mileage and had a salvage title from a previous accident (body damage was a dent in the hood, a bent front bumper and the transmission had to be rebuilt) but repairs had been done right and you'd never know it had ever been wrecked. Still they wanted to give me less than $1000 to replace it. I told them to shove their offer unless they could find me anothet truck in the same shape as a replacement, for the price thye were offering. Needless to say they couldn't. I let things drag out for over a year until they finally came to me pretty much begging to settle. I don't know wether they had a deadline or what but they all but kissed my a$$ to gget me to agree on a settlement amount. In the end I got something like $3500, which was plenty to replace it with another.
In the end having control of the wrecked truck so I wasn't having to pay storage on it, having other transportation so I wasn't relying on them to get something else, etc all played in my favor and gave me the ability to 'play their game' and turn down any offer made that wasn't what I wanted......Especially since the accident was far from being my fault and it wasn't really an accident as much as it was negligence and pure stupidity on the part of their client...
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