The easiest thing to do here is to get them what they want. Can you provide a more clear record for them regarding the declaration pages? I would not communicate with Nationwide over the phone. Get everything from them and send everything to them in writing. Even be careful with email as sometimes we have a tendency to shoot an email off too fast-with incorrect information or improper tone.
They can cancel you whenever they want. They can also raise your premiums. They have not really harmed you if they do either. They have just irritated you. I would not get too worked up over this one. If you can work it out with them-great. If you are not able to work it out, find another insurer.
Lastly, perhaps complaining formally may assist (it may bring no result, too) You could call the division of insurance in your state (Texas) and ask them about it. Ask them to whom to address a letter and send them a letter outlining your issue.
I understand that what they are doing seems to be picking on you. However, you may gain nothing by fighting this fight.
Best of luck to you.
The information provided was in answer to a general question and cannot be relied upon as legal advice, nor does the information provided establish an attorney client relationship. Seek out an attorney with whom you can fully explain your unique situation and enter into an attorney client relationship with that attorney.
Duplicate Post - see previous answer
This is not intended to be legal advise or as legal representation. I am a California personal injury attorney . Be aware that every state has its own statute of limitations; and statutes & case laws that govern the handling of these matters.