The question I have for him is
1. did he have OEM coverage? (coverage that replaces all damaged parts with OEM aftermarket).
2. Who was at fault if he was why should the insurance company pay the difference for his mistake?
3 Did he even have a Nationwide policy or was he hit by a NW policy holder?
Brian do you have a link by change.
on a side note as a nationwide employee I have no offical comment.