Average Nationwide Insurance Claim Settlement in Florida

Getting in a car accident is always a hardship. It is an inconvenience at best, life-altering at worst, and everything in between for many. Having insurance coverage can make the process easier, but it is rarely simple.

Even dealing with large, well-established insurance companies can prove challenging. If you have been in an accident and have questions about your potential Nationwide Insurance claim settlement might look like, tools like a Nationwide Insurance pain and suffering calculator can help provide a general estimate. While not a definitive answer, it can offer insight into what your non-economic damages—like pain and suffering—might be worth based on your specific circumstances.

Filing an Insurance Claim in Florida

Florida is considered a “no-fault” state.

This means that regardless of who is at fault for the accident, your own insurance pays the first $10,000 of your medical bills and lost wages under which is known as personal injury protection coverage or PIP. All drivers are required to carry Personal Injury Protection (PIP) coverage.

Basic PIP coverage includes:

• Up to 80% of medical expenses; 
• Up to 60% of lost wages; 
• Travel expenses for medical appointments; and 
• $5,000 in death benefits. 

This system is designed as a way to help you get compensation quickly, regardless of who is at fault. Complications may arise when an insurance company refuses to provide an adequate settlement or damage extends beyond your coverage. 

Nationwide Insurance Claim Settlement

Nationwide Mutual Insurance Company is one of the largest insurance providers in the country. They have policies for homeowners, renters, business owners, the elderly, and drivers. Their automotive policies are most widely known.

Because of their size and experience, working with a larger company like Nationwide can be beneficial when it comes to car insurance claims, but it can also have its downfalls.

Companies like Nationwide understand how to make a profit and that often means offering a lower Nationwide insurance claim settlement than what you deserve.

Should You Use a Nationwide Insurance Pain and Suffering Calculator?

A Nationwide Insurance pain and suffering calculator—like the one provided on this page—can be a useful starting point for estimating non-economic damages in your personal injury case. This type of tool typically uses a few key pieces of information, including your past and future medical expenses, the severity of your injury (expressed as a multiplier ranging from 1.5 to 5), and the number of days you’ve experienced pain so far, along with how long you expect that pain to continue. It may also factor in a daily rate, such as your average daily income, to help approximate the overall impact your injury has had on your life.

While the calculator can give you a rough estimate of what your pain and suffering damages might be worth in a Nationwide Insurance claim, it’s not a substitute for professional legal advice. These tools don’t fully account for the individual circumstances that make every injury case unique. That’s why it’s always best to consult with an experienced personal injury attorney to get a more accurate and personalized evaluation of your claim.

What Factors Affect Your Nationwide Insurance Claim Settlement?

There are a number of factors that may impact your Nationwide insurance claim settlement. The biggest one is the severity of your injuries and associated cost of care.

The more expenses you have, the larger the settlement you should get. It is important to be able to prove your expenses. So make sure to keep all records and receipts for any costs associated with your accident. 

If you’re wondering how much your case might be worth, tools like a Nationwide insurance injury settlement calculator can help provide a general estimate based on factors such as medical costs, lost wages, and injury severity. While not a substitute for legal advice, these calculators can give you a useful starting point.

In Florida, your Nationwide personal injury settlement will only include non-economic damages such as pain and suffering, emotional distress, and mental anguish, if you meet Florida’s injury severity threshold. In order to cross that threshold, you must demonstrate that the accident caused either:

• Permanent limited use of a bodily organ or member; 
• Significant and permanent loss of an important bodily function;
• A permanent injury;
• Significant and permanent scarring or disfigurement; or
• Death.

How Fast Can I Get Paid For My Nationwide Car Accident PIP Claim?

When you are injured, the medical bills can pile up quickly.

When you are filing a PIP claim in Florida, you must seek medical treatment within 14 days of the accident.

By law, your insurance company must pay or deny the claim within 30 days. If your original claim is incomplete, the insurance company can extend the deadline by 30 additional days when each piece of information is received. If the claim is denied, the insurance company must provide an explanation.

At that time you have 15 days to revise and resubmit your claim. 

Tips For Filing Nationwide Car Insurance Claims 

Despite the fact that Florida is a no-fault state, it is important that you gather as much information as possible at the time of the accident.

This could include the police report (which you why you should always file a police report in Riverview or closest community), contact information for the other driver and witnesses, and various photos. Nationwide recommends that you take photos of the following:

• The VIN, which is usually located on the inside driver’s side door or on the dashboard; 
• The current mileage on the odometer; 
• The vehicle’s registration information; 
• A view of both the rear and front of the vehicle;  
• A close-up view of damage to the car; and 
• A view from 10 feet away, showing all damage to the vehicle.  

These are important things to have on hand if requested but pertain primarily to property damage. It is important to note that Florida’s no-fault policy does not apply to vehicle damage. You can file a lawsuit against a negligent party for property damage without stipulations. 

For your Nationwide personal injury settlement, your most important assets are records of your injuries, doctor’s visits, and all related medical expenses.

If your injury causes you to miss work, you can include those lost wages. Keeping detailed records is extremely important in order for you to receive fair compensation. 

Why Should You Hire An Attorney?

One of the most important things to understand when dealing with insurance companies is that, though they are there to help, they are in the business of making a profit.

They make a profit when they pay you the least amount of money possible. Big companies like Nationwide have entire legal teams dedicated to enticing accident victims into taking the lowest settlement possible. 

An experienced law firm like Abrahamson & Uiterwyk, with car accident lawyers, will take the time to understand the details of your claim and your expenses. By closely examining your case, we can determine the appropriate amount of compensation you deserve.

We strive to provide prompt and aggressive representation and push insurance companies to settle claims quickly and fairly so you can get back to living your life. Contact us to schedule your free case consultation.

Browse our detailed guides on:

• How to Get a Hillsborough County Police Accident Report
• How to File a Police Report in Hillsborough County