FAQ - Automobile Insurance
Frequently asked questions:
No - Wawanesa only writes a 12 month automobile policy and this is to your advantage. The rates we charge are locked in for a full 12 month period. A rate increase that may take place, or a traffic conviction that you obtain during the policy term will not affect you until your policy renews. Your premium will be adjusted mid-term only if you initiate a change on your policy.
Please mail your check, payable to:
Wawanesa Insurance Company
PO BOX 85048
San Diego, CA
There is NO grace period. Payments must be U.S. postmarked or received in our office PRIOR to any expiration or cancellation date to avoid a lapse in coverage. No claims will be honored if a loss occurs during a lapse period.
Reinstatement of coverage is subject to Underwriter approval. If reinstated, coverage will be effective at 12:01 AM the day after the U.S. postmark date on your payment envelope. Reinstatement of coverage is not possible on any policy that has been canceled or expired for more than 30 days.
We currently offer the following discounts:
- Good Driver Discount
- Mature Driver Discount
- Multi-Vehicle Discount
- Theft Recovery Discount
Yes, as of January 1, 2012, Roadside Assistance is available for our policyholders.
Wawanesa offers two ways to use Roadside Assistance: Sign and Drive* and Outside Services.
With the Sign and Drive Option you simply call the toll-free number and a service representative will dispatch a service provider to your location. The service will be performed and payment will be made directly to the service
provider from Wawanesa. You will be asked to sign the receipt and you will be on your way. If the service does not exceed the $100 benefit limit, you will not incur any out-of-pocket expense.
Lockout Service is available up to $100 per incident. The cost of keys is not included.
* Sign and Drive Option is not available in some U.S. Territories. For these instances, compensation will be in the form of a reimbursement.
You can also opt to use the Outside Service Option when using Roadside Assistance. When using a tow provider of your choice you will need to pay for your services out-of-pocket and submit the receipt to us for reimbursement. You will be reimbursed up to $50 per disablement using this option. Lockout Service is available up to $100 per incident. The cost of keys is not included.
There is a limit of (1) reimbursement per disablement and a total of four (4) incidents per covered vehicle per policy period.
You can submit your receipt along with your policy number to:
9050 Friars Road
San Diego, CA 92108
For questions regarding your reimbursement:
Yes, effective October 1998, this coverage became available on all vehicles insured for either Comprehensive or Collision coverage by Wawanesa.
There is NO coverage provided by your Wawanesa Automobile Insurance Policy.
If you are found to be 51% or more responsible for the accident and there is more than $1000 in total resulting damages you are considered at-fault in the accident and your premium will increase at your next policy renewal.
An at-fault accident remains on your policy for three consecutive policy terms, commencing the first renewal after the accident.
A traffic conviction remains on your policy for three consecutive policy terms, commencing the first renewal after the conviction date.
No, there is no increase in premiums charged due to any Comprehensive coverage related claims.
If you rent a private passenger car, light van or pick-up, in Canada, the U.S. or its possessions or territories, your Wawanesa Automobile Policy will provide coverage.
If the vehicle is rented, because an automobile covered by your Wawanesa Policy is disabled or being serviced, the coverage we provide for the rental vehicle will be identical to the policy coverage applying on the vehicle which is disabled or being serviced.
If the vehicle is rented for any reason other than due to disablement or servicing of a covered vehicle, it will have the broadest coverage we now provide for any vehicle shown on your policy declaration page.
In order to have coverage immediately, you must meet ALL of the following requirements:
- Your current automobile liability insurance policy must be in force the day you U.S. postmark your application for insurance with Wawanesa.
- You must properly complete and sign the application.
- You must enclose your premium downpayment check with your application.
- No driver listed on the application has ever had their driver's license suspended or revoked.
- No driver listed on the application has ever been convicted of a felony or misdemeanor.
- No driver has ever been convicted of any alcohol or drug related offense.
Otherwise, NO coverage will apply until such time as your application is approved by Wawanesa.
Choose the insurance coverages, limits and deductibles you want for each vehicle. Write the corresponding premium in the box located beside that coverage. Add the premiums for each vehicle and enter this number at the bottom of the column. Add the total premium for each vehicle. This is your total annual (12 month) policy premium and it should be entered in the box marked "TOTAL ANNUAL POLICY PREMIUM" below the total vehicle premium box for vehicle 4. Our payment plan options are described at the bottom left corner on the front page of our application. You may choose to pay in full, in three or nine installments per year. Check the box on the application to indicate the payment method you want.
If you wish to pay in full, the total annual policy premium is the amount you will pay.
If you wish to pay in three installments, multiply the total annual policy premium by 40% (.40) and add the $4 service charge.
If you wish to pay in nine installments, your total annual policy premium must be $300 or more. Multiply the total annual premium by 20% (.20). Add the $4 service charge.
In order for your application to be processed, your check, payable to Wawanesa, in the amount of the total annual policy premium or the downpayment, must accompany your application.