Peerless, I think you made a wise decision to switch to Nationwide. The only reason I don't have them now is that they don't offer coverage in this wonderful armpit of a state I now live in. When I lived in Chicago, I switched to them after I rear-ended this dumb biatch with my Landcruiser after she slammed on the brakes at a railroad crossing claiming there was a train coming, where there was no train. Come to find out she has a fear of crossing train tracks thus the reason for slamming on her brakes, and me slamming into her at 10 mi/hour-causing $5K in damage to her car, where both of her side view mirrors just fell off of her toyota camry, and barely scratching my heavy steel bumper. Anyway, after USAA raised my rates, I switched to Nationwide, after which I realized that USAA was ripping me off by more than $600 per year!!

I went back to USAA after moving to the East coast and finding out Nationwide doesn't offer coverage in this state due to high rates of insurance fraud. After seeing Progressive's commercials running repeatedly, I switched to Progressive after USAA was about to renew my policy and RAISE my rates with no reason for the increase or why my rates were so high. Now, I am a single male over 30, with NO accidents, a safe driving course to my name (elective to reduce my rates), and no tickets, and went from a fully loaded X5 to a four cylinder Acura with no reduction in rates! Progressive saved me over $600 per year, with BETTER coverage, even offering certain coverages that are not even available with USAA, such as total vehicle replacement coverage where if you have a newer model vehicle (within last 1-2 years) that is totaled in an accident, they will pay for the vehicle replacement and not just the blue book amount.

I would love to see Peerless stick it to those USAA pricks in San Antonio for ripping me off!!! If I still lived in Corpus Crappy, Texas I would do it myself!!

Peerless - I agree with you completely about the insurance companies and their attitude to almost any kind of settlement due to water damage. My concern is that if you REALLY cleaned up the mold mess, and I'm not talking about with just bleach and junk. To see what I'm speaking of ( and I'm not selling ANYTHING ), go to my wife's website and check out what mold did to us. We are actually dying because of the insurance company and the medical community's attitude. When I first started finding out about this stuff, it scared me. Check out Toxic Mold - It CAN Poison You... and you may check your cleaning job again. Just a tip from a fellow guitarist. Any contact info you may need is there, also.

The reason you hit her is you were not paying attention, or were tailgating her. Don't blame your bad driving on the woman. Were you talking on your cell phone when you hit her??

and its also quite possible that she slammed on her brakes on purpose just to get rear ended...

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So Long and Thanks for All the Files
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Beware of the big 3 insurance companies in Texas! Read your policies carefully (maybe you'll need a lawyer) Allstate, Farmers & State Farm are overextended and their 'coverage' is worthless...a true waste of your money Read This

Insurance is just a money making scheme. Almost every insurance company in the US does the same exact ****. That's why they're in operation for so long. Jesus, is auto insurance really all that necessary? I've been driving for 9 years with no accidents on record, and it's mandatory for me to at least get liability in case I actually get into an accident? And if I do get liability, my insurance won't cover the expenses if the other ******* rear ends me? I have to go through their insurance company, consult the ****ing claims adjuster to see who was at fault, file a damn lawsuit, etc etc etc?!

The exploitation of our nation's laws through corrupt lobbying has been going on in this country for centuries! Warren G. Harding, Ulysses S. Grant, Richard Nixon, George W. Bush Sr., George W. Bush Jr., etc. Hell, the last president has already done an insane amount of damage to our economy by using his office to push forward legislation created by special interest groups that have put us in another recession. Our economy is currently at an all-time low, and although there are safeguards in place to keep us from plunging into a major depression, we're still reeling from the effects of the Iraq War and the war in Afghanistan. National unemployment rates have skyrocketed to 9%, and unemployment rates in California alone has jumped to just under 20% as of 2009. That means that 1 in every 5 Californians, give or take, are currently unemployed.

Now, every person in our country is hoping Obama can make good on at least some of his promises. I hope he has the power to go after corrupt lobbyists and industry insider political action committees. Grr...