Log in to your account and file a claim online. If you don’t have an online account, you can sign up for online account access or call 1-800-421-3535. You can also contact your agent to file a claim. Be sure to file your claim immediately following a loss or employee injury.
After your claim has been submitted, your claim will be assigned to a claims professional, who will help you manage your claim and handle most of your questions. Claims professionals strive for same-day contact after your claim is submitted. Your claims professional will walk you through all aspects of the claims process and may schedule time with you to do an on-site evaluation.
Please contact your assigned claims professional with any questions. If you cannot remember the name or contact information of your claims professional, call us at 1-800-421-3535. We’re available 24/7.
Claims payments are determined by a covered cause of loss, type and extent of damages, and the applicable coverage that was purchased. Following the receipt of a property, auto or general liability claim, a claims professional will review your coverage, investigate the loss and evaluate the damage(s) to determine what the appropriate payment may be under the policy.
For a workers’ compensation claim, the claims professional must first determine whether the claim is covered and eligible for compensation, subject to state regulations. Be sure to immediately report your claim in order to set the claims management process in motion.
For third-party claims in which a claimant is alleging that you’re liable for damage(s), such as a bodily injury or property damage, we’ll evaluate your coverage, investigate any losses, and work toward final determination of the claim outcome (settlement or denial).
Move your vehicle to a safe location if it’s safe to drive. If necessary, call 9-1-1 and/or the police or fire department. Remain calm. Be sure to exchange contact and insurance information, as well as drivers’ licenses, with the other drivers. If one of your employees is involved, be sure to gather their information as well.
Avoid discussing fault. If it’s safe to do so, take photos of the damage to all vehicles and the location of the accident. If your vehicle is hauling product, you should also file a property claim.
For more information on the business auto claims process, visit our business auto claims resource page.
Yes. Because your commercial auto insurance policy also provides liability protection in the event of a claim against you, submitting a claim lets us begin investigating immediately. Filing the claim also lets us protect your interests.
If you or your employee was operating a vehicle that was carrying materials or substances that spilled during the accident, please let us know immediately. In most cases, a local first response team will arrive for cleanup.
The choice of repair shops is up to you. You can choose to use your own repair shop or one of our On Your Side® repair shops, if your vehicle qualifies. Typically, your vehicle would qualify for On Your Side repair shop service if it’s a private passenger vehicle, which includes passenger cars, pickup trucks, vans and SUVs. Talk to your claims professional about your repair shop options.
You can use the repair shop of your choice. Your repair shop may be able to send us an electronic copy of the estimate it prepares. If not, your claims professional will ask you to send us a copy of the estimate, which we’ll need to process your claim.
Some claims may require an inspection by an appraiser. We cannot provide the same guarantee of repairs for shops outside the On Your Side® repair shop network.
A “non-OEM” part is a part not manufactured by or for the original equipment manufacturer (OEM) of the vehicle. Yes, we’ll repair or replace any defective non-OEM part specified on your repair appraisal for as long as you own or lease your vehicle. The use of a non-OEM part will not void the warranty on your vehicle.
Yes. You can choose which parts will be used in the repair of your vehicle. Even if there is a non-OEM part available, you can choose to use an OEM part. You simply pay the difference in cost between the OEM part and the non-OEM part.
Your appraisal will show the total cost of repairs related to the accident. Included in the appraisal will be the amount of your deductible, which you’ll pay to the repair shop when your repairs are complete.
We have an in-house team of accountants to assist in the evaluation of business income claims. If you have business interruption coverage for a covered cause of loss, we’ll review your financial records and compensate you for any covered lost income and extra expense during the period while your building is being restored.
In general, replacement cost value is the amount it would cost to repair or replace damaged covered property, at the time of the loss or damage, with materials of like kind and quality without deduction for deterioration, depreciation and obsolescence. Actual cash value is the cost to repair or replace damaged covered property, at the time of the loss or damage, with material of like kind and quality, (subject to a deduction for deterioration, depreciation and obsolescence).
Unless you repair the damages or replace covered property, a replacement cost value policy allows for reimbursement on an actual cash value basis only. In that case, depreciation may be applied and will be reflected in your property damage estimate. (Some states may require replacement cost value.) You can collect the recoverable depreciation by providing us with documentation (such as receipts, photos or invoices), showing that the damages have been repaired or covered property has been replaced.
Damages are determined through several means and often are dependent on the type of loss and amount of damage sustained. We’ll help you determine the amount of damages based on local repair costs and labor rates using an electronic estimating system. Some claims will require an inspection by one of our field property professionals, while other claims may be handled by a desk claims professional through documentation that you submit or that we obtain.
First, show the estimate we provide you to your contractor (this estimate is based on the local market rates for labor and materials). If there are additional damages or differences in pricing, please contact us immediately so that we can reach agreement on the scope and cost of damages before repairs begin.
In some situations, a third party may be legally responsible for causing the damage to your property. If this is the case, we may seek reimbursement from the third party for the claim payments we made and for your policy deductible. This is called subrogation. If we pursue subrogation, we may need your assistance in retaining evidence, damaged products or materials.
Large losses often introduce an increased level of complexity and impact to your business, your family and your employees. To assist you, we have claims professionals dedicated to handling large loss claims. In many cases they’ll travel to the loss location and help you through the claims process.
For the most complex claims, we have a team of general adjusters who will travel anywhere in the country to inspect and estimate the damages, and aid in the management of your claim.
If a third party files a claim or lawsuit against you or your business, let us know as soon as possible. We’ll evaluate your coverage and investigate and review the facts of the claim. If your coverage applies, we’ll also hire attorneys to represent your interests.
Every business should consider adopting and implementing a return-to-work program that can help injured employees get back to meaningful work as soon as medically possible. At Nationwide, we call this Successful Return-to-Work (SRTW).
As our customer, you have access to a sample interactive program that can serve as the framework for building your own SRTW program. This includes steps you can take both before and after an injury occurs to help facilitate positive outcomes for your employees and your business.
It’s important to educate your employees on workplace injury reporting procedures. It’s also important to train your supervisors to contact the Nationwide Claim Services Center immediately at 1-800-421-3535. Even if the injury does not require medical treatment. Some state statutes include fines or penalties for employers that fail to report within a prescribed timeframe.
If the employee needs emergency medical care, the supervisor should direct them to the nearest emergency medical facility for treatment. Once the need for emergency care has ended, many states permit employers to direct injured employees to obtain care with network providers. If your state permits it, establish a medical provider panel. Use the Nationwide Medical Provider Referral System directory to seek out authorized providers who specialize in treating occupational injuries. From hospitals to pharmacies to physicians and physical therapists, employees will find providers for the care they need.
In some cases, a listing of authorized medical treatment providers must be made available to all employees before an injury occurs. Please refer to our online Workers’ compensation claims toolkit for more information.
The supervisor should document any information received from the employee, such as:
A written statement
Name of medical treatment provider (in cases where treatment occurs before the employee reports the injury to their supervisor)
The employee’s contact information and wage information
Accident scene information and witness statements
Supervisors should also be sure to photograph and/or secure any object that caused the injury, if applicable. They should also keep in touch with the injured employee to make sure they’re being cared for and supported until the employee returns to work.
If a supervisor is unsure that an injury needs medical treatment (or what type of treatment is required) they should contact the Nationwide Nurse Triage Hotline at 1-855-921-9519. The Hotline’s registered nurses can help to determine an effective course of action and assist in coordinating initial care by an appropriate authorized provider, if necessary.
Depending on the severity of the injury involved, once a claim is reported to Nationwide, we assign a claims professional to help navigate the workers’ compensation benefits process and answer questions. That individual will record relevant information about the employee and their injury, and give the employee an opportunity to view a brief video that offers a preview of the services Nationwide provides as part of the claims process.
In some cases, Nationwide may offer medical case management assistance to the injured employee to obtain prompt medical treatment, access to network pharmacy providers, as well as physical therapy and diagnostic vendor partnerships. Our Medical Provider Referral System, our claims professional or the medical case management nurse can assist you with locating authorized treatment providers close to the employee’s home or work.
You should immediately report the injury to your supervisor, manager, team leader, health nurse or human resources department, as directed by your employer. Please be prepared to give a detailed report about:
How the injury occurred
Time of injury
Activity being performed
Severity of the injury
Be sure to indicate whether you believe you may need medical treatment.
Most workers’ compensation statutes provide benefits for injuries or illnesses suffered as a result of a specific accident or disease caused by a condition of your employment. Each claim must be investigated for a decision to be made that would entitle you to workers’ compensation benefits for your injury or illness.
Your claims professional will work with you to select a doctor or healthcare provider in accordance with the applicable state workers’ compensation statutes. You can also search for medical providers within our network through our Medical Provider Referral System directory.
Yes. It’s important to keep in regular contact with your claims professional and provide a status update after each medical provider visit. Your claims professional can help you through the process, answer your questions, and work with you, your provider and your employer to assist you in your recovery.
You should contact your claims professional to request assistance in coordinating equipment and/or medical services. In most cases, these are provided through one of our vendors, who will contact you to deliver any equipment or schedule home health care visits.
You should provide your claim number and the mailing address for your medical bills to anyone providing you with treatment for the work-related injury. If you have questions, contact your claims professional. All medical bills will be sent to the claims office handling your claim for review and payment, when applicable. State requirements for medical payments may vary.
Your nurse will work with you and your claims professional to assist with the coordination, authorization or facilitation of treatment or medical concerns. Your nurse will advocate on behalf of you and assist in locating a medical provider, changing a medical provider, coordinating care between multiple providers, scheduling treatment, obtaining medical records and otherwise communicating with providers. Your nurse may also assist in the coordination of your return to work.
If you miss work because of your work-related injury, you’ll be eligible for wage benefits in accordance with the applicable state workers’ compensation statutes. This will be subject to any waiting period that may apply.
Each claim is handled on the basis of its individual facts and circumstances, in accordance with policy language, including applicable exclusions, conditions and limitations, as well as applicable controlling law.