How Our Attorneys Handle a Nationwide Claim

Nationwide may claim to be “on your side,” but when it comes time to pay a claim, many people learn that doesn’t always hold true.

At Joye Law Firm Injury Lawyers, we’ve successfully handled thousands of personal injury claims against Nationwide Insurance. Our award-winning legal team understands how these claims are evaluated, how their insurance adjusters operate, and what’s needed to secure fair compensation for our clients.

Nationwide is one of the largest insurance companies in the U.S., offering auto, home, business, and personal injury coverage to millions of policyholders. While their branding promotes fairness and care, many injury victims find it difficult to navigate Nationwide claims after a serious accident. Whether it’s a car accident, a workplace injury, or a general personal injury case, dealing with Nationwide adjusters can lead to frustration, delays, and lowball offers. Before facing insurance companies, talk to a dedicated injury lawyer.

If you’ve suffered physical injuries, rising medical expenses, or lost wages after an accident involving Nationwide or any big insurance companies, our experienced personal injury attorney can help you. Call us today at (888) 324-3100 for a free consultation.

Winning Against Nationwide: Our Proven Results

At Joye Law Firm, we know how to take on insurance giants like Nationwide—and win. Our attorneys understand the strategies these companies use to limit what they pay, and we don’t let them get away with it. Since 1968, we’ve built a strong record of holding insurers accountable and securing fair compensation for our clients. Just look at some of our recent victories against Nationwide:

• $400,000 liability settlement secured by Attorney Ran Stoney for a client who was rear-ended in Charleston traffic, despite driving cautiously. The collision caused neck and back pain, double vision, and headaches.
• $100,000 policy limit recovered by Attorney Eliza Lynch after a rear-end crash at a stop sign in West Columbia. Our client suffered from neck pain, headaches, and ongoing back issues. We ensured she received every dollar she was owed.
• $950,000 from the at-fault driver’s Nationwide’s liability coverage secured by Attorney Milt Stratos for a woman rear-ended and pushed into another vehicle in North Charleston. She endured a neck injury, a hairline rib fracture, back and shoulder pain, and nose trauma.

What Makes a Nationwide Claim Different From Other Insurance Claims

Filing a claim with Nationwide Insurance can be different from filing a claim with other insurance companies. Their adjusters may work under national policies, and the rules may vary slightly based on where the accident occurred. You may find adjusters move more slowly, use different forms, or offer less than your injuries warrant. It’s frustrating, especially when you’re dealing with severe injuries, missing work, and juggling medical visits.

Nationwide injury claims also may involve out-of-state legal policies, making things even more complicated. For example, comparative fault rules could affect your outcome. If Nationwide believes you’re partially responsible, they may reduce what they pay. Don’t worry, our legal team is used to this. We represent clients through all types of Nationwide claims, and know how to push for every dollar you’re owed. We won’t let adjusters take advantage of injured people. We fight back with detailed evidence and solid legal reasoning to challenge unfair blame.

With decades of experience behind us, we know how to build a strong case and guide you through the claim process confidently and professionally.

What to Expect from the Nationwide Insurance Claim Process

Filing a claim with Nationwide may seem straightforward at first. However, many people are surprised by how complicated the process becomes, especially when significant injuries are involved. Nationwide, like many large insurance companies, has internal guidelines that focus on paying claims quickly and at the lowest possible cost.

Once your claim is filed, a Nationwide insurance adjuster is assigned to your case. They’ll investigate the incident, review your medical treatments, and look for reasons to limit what they pay. Often, these adjusters are capable of the following:

• Question the need for certain procedures
• Dispute who is at fault in the accident
• Suggest that your injury claim is worth less than you believe
• Fail to disclose all available policies

The interaction may leave you feeling discouraged and questioning your own injuries and your willingness to continue. That’s what they want, but don’t fall for their trick. Just call Joye! Our lawyers manage this process for you. We track deadlines, respond to requests, issue subpoenas, and ensure all the evidence is presented clearly and accurately. We don’t let clients accept a quick settlement offer that doesn’t accurately reflect the actual cost of their recovery. With our help, you have someone in your corner who knows how the system works and how to fight for a fair settlement.

How Medical Records Support Your Injury Claim

Your medical records are one of the most important parts of your personal injury claim. After any accident, especially one involving a car accident caused by someone else, it’s vital to seek medical care right away. These records document not only the physical injuries you sustained but also the treatments you received and your progress toward recovery.

At Joye Law Firm, we request all necessary records from hospitals, clinics, and specialists. We also review bills, diagnoses, and treatment plans to confirm the long-term impact of your injury. If you require future surgeries, physical therapy, or ongoing care, we include these expenses as part of your claim for maximum compensation.

Insurance companies, including Nationwide, often try to downplay injuries or claim they were pre-existing. That’s why our attorneys take the time to organize all the evidence and work closely with doctors, lifecare planners, and other medical experts to establish a clear connection between your injury and the accident. Strong documentation makes a major difference in reaching a fair compensation outcome for you.

When a Lawsuit Against Nationwide Is Necessary

If the claim doesn’t resolve through negotiation, we may file a personal injury lawsuit against the at-fault party or Nationwide Insurance itself. Suing Nationwide is not always necessary, but when we see signs of low offers or denial without cause, it’s an option we explore fully.

Our team prepares your case with full documentation and legal research. We ensure your story is clear and backed by strong facts. We present the accident scene, expert testimony, and long-term impact of the injuries. Our attorneys file the legal paperwork, handle court appearances, and represent you throughout the trial process.

Going to court can feel overwhelming, but that’s why we’re here. We’ll take the burden off you. While the vast majority of cases settle before trial, we still prepare for the possibility. It’s important that Nationwide sees we are serious and fully prepared to go the distance to get you the outcome you deserve.

Common Injuries in Nationwide Car Accident Claims

We handle a wide range of injuries in Nationwide car accident claims. These include:

• Broken bones
• Head trauma and brain injuries
• Neck and back injuries
• Internal damage
• Emotional trauma
• Chronic pain
• Workplace illnesses

These injuries can affect everything from your ability to drive to your ability to care for your children or return to work. Even “minor” crashes can lead to lingering symptoms and require expensive medical treatments.

Our lawyers thoroughly assess your condition. We do not rely only on the accident report. Instead, we listen to your experience, consult with your doctors, and incorporate your long-term needs into your personal injury claim.

Who Pays When Nationwide Is Not the Only Insurance Company

In some cases, multiple policies may apply. You may have a claim against Nationwide and other insurance companies, depending on the details of the crash or injury.

Unfortunately, figuring out who should pay and how much can be incredibly complicated. Insurance companies often try to deflect responsibility onto each other, delay responses, or downplay the role their policyholder played in the incident. Without experienced legal help, these tactics can leave victims underpaid or entirely unpaid.

At Joye Law Firm, we know how to cut through the confusion. Our attorneys have decades of experience identifying all liable parties, coordinating between insurance companies, and holding each one accountable. We examine every detail of your case to make sure no source of compensation is overlooked.

Here’s what we look for when multiple insurers may be involved:

• Your own auto insurance: If you have uninsured or underinsured motorist coverage (UM/UIM), it can help bridge the gap when the at-fault driver lacks sufficient insurance. Many drivers don’t realize they have these coverages, and insurance companies aren’t always quick to explain it or offer its full benefits.
• The at-fault driver’s insurance: Whether through Nationwide or another provider, we hold the primary responsible party accountable.
• Other negligent drivers: In multi-vehicle accidents, more than one driver may have contributed to the crash. Each of those drivers may have separate insurance coverage, and we pursue claims against all responsible parties.
• Umbrella or excess liability policies: These additional layers of insurance, often carried by high-asset individuals or businesses. They may provide crucial compensation in cases involving severe or permanent injuries.
• Employer-provided insurance: If a commercial driver caused the accident or your injury was work-related, an employer’s commercial policy may be responsible.
• Property owner or premises liability insurance: For dog bites and injuries that occur on unsafe property, such as a poorly maintained parking area or construction zone, we investigate whether the property owner’s insurance applies.
• Product liability insurance: If a defective machine or vehicle part (like brakes, tires, or steering components) contributed to your injury, we may pursue a claim against the manufacturer or distributor.

We don’t leave money on the table. Our job is to secure maximum compensation from all responsible parties.

Call Our Personal Injury Lawyer Today for Help with Your Nationwide Claim

If you’re dealing with a Nationwide injury claim after a serious accident, you have the right to legal help that puts your recovery first. Insurance companies may delay, deny, or undervalue claims, but Joye Law Firm knows how to hold large insurance companies accountable.

Get in touch with us at (888) 324‑3100 or complete our online form for a free case evaluation. Let us protect your rights, challenge the insurance company, and work toward the financial support you need to move forward.

FAQs About Nationwide Insurance Claims