Had one accident a year ago...not really an accident, someone sideswiped my minivan while it was parked. Anyway, I called Nationwide, we discussed where I would like to take my car to be repaired, they made the arrangements and also arranged for a rental from Enterprise. No muss, no fuss, no hassles. I've heard horror stories from peoples' experiences with auto damage claims, but Nationwide made this as painless an experience as could be.