Yes. Like many large insurers, Nationwide often contracts with third-party medical review firms, accident reconstruction experts, or billing audit companies to scrutinize claims. These vendors are not neutral. They work on behalf of the insurer and may downplay the severity of injuries or the medical necessity of treatment. We challenge biased assessments with independent expert opinions. With more companies relying on AI technology, it is more important than ever to have an experienced attorney double check every aspect of your claim and the insurance company’s findings.