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Auto Insurance FAQs

Find answers to common car insurance questions such as how to apply for a policy, how to file a claim, coverages, roadside assistance, and more.

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Frequently Asked Auto Insurance Questions

Auto Insurance Questions: Applications

How do I apply for car insurance?
Applying for car insurance starts with getting a quote online .
What information do I need to apply for auto insurance?
To apply for an auto insurance policy, you'll need basic personal information such as your driver’s license number, the make and model of your vehicle, and your current address. You’ll also be asked about your driving history, previous insurance coverage, how you use your vehicle (drive to work/school, business, etc), and your annual mileage. Applying for car insurance starts with getting a quote online .

Car Insurance Questions: Payments

What are my payment options for my car insurance?

Learn more about our payment plans and options or log into your online account to make a payment.

Or you can mail a check, payable to:

Wawanesa General Insurance Company
P.O. Box 85048
San Diego, CA
92186-5048
What happens to my car insurance policy if my payment is late?
You can avoid a lapse in car insurance coverage if you pay in full within 30 days of the payment due date. If you make a payment after 30 days, your car insurance policy will be subject to new terms and conditions.
Is there a fee to cancel my car insurance policy?
Yes. There’s a $50 cancellation fee if you cancel within 60 days of your car insurance policy’s start date.

Car Insurance Questions: Roadside Assistance

Does Wawanesa offer Roadside Assistance?
Yes, Roadside Assistance is an optional coverage you can add to your policy for extra peace of mind. Learn more about our roadside assistance coverage.
What services are included in roadside assistance?
Roadside assistance typically covers services like towing, flat tire changes, jump starts, fuel delivery, and lockout assistance. Wawanesa partners with AAA to offer roadside assistance to our members. Learn more about our roadside assistance coverage.

Auto Insurance Questions: Claims

How do I file a car insurance claim?

You can report a claim 24 hours a day, 7 days a week. Report your claim online or by calling 888-WAWA-CLAIM (929-2252).

Check out the insurance claims FAQs to learn more

Will filing a claim increase my insurance premium?

Filing a claim could potentially lead to an increase in your premium..If you’re found to be 51% or more responsible for the accident and there is more than $1,000 in total resulting damages, or someone was injured or killed, you are considered at-fault in the accident and your car insurance premium will increase at your next policy renewal.

How long does an at-fault accident and/or a traffic conviction surcharge remain on my auto insurance policy?

A surcharge for an at-fault accident and/or a traffic conviction remains on your auto insurance policy for 3 years, starting from the first renewal after the accident and/or conviction date.

A rock hit my windshield. If I put in a claim will my auto insurance policy premium go up?
No, your auto insurance premium will not increase due to any comprehensive coverage-related claims.

Auto Insurance Questions: Policies & Coverage

Can I change my auto insurance coverage after purchasing a policy?
Yes, you can adjust your auto insurance coverage at any time. It's common to update coverage as your needs change. Call 800-640-2920 to speak with one of our helpful agents, Monday to Friday 7:30 am -7:30 pm PT and Saturday 8:00 am -4:30 pm PT to provide a free policy review.
What is a deductible, and how does it affect my premium?
A deductible is the amount you pay out of pocket before your insurance steps in to help cover the claim. Higher deductibles typically result in lower premiums, while lower deductibles generally mean higher monthly costs, but less to pay out-of-pocket during a claim.
What determines my car insurance cost?
Many factors go into calculating your car insurance rate and cost. Your location, age, driving record, annual mileage driven, and the type of car you’re insuring are just a few of the factors involved.
What auto insurance discounts are available?
Wawanesa offers several auto insurance discounts that could save you money on your policy. To find out more, please check out our auto insurance discounts.
Does my auto insurance cover rental cars?

If you rent a private passenger car, light van, or pick-up, in Canada, the U.S. or its possessions or territories, you are covered by your Wawanesa Auto Policy.

  • If you carry rental expense coverage and need to rent a vehicle because your covered car is either disabled or being serviced as a result of a covered claim, your policy will cover the rental vehicle.
  • If you rent a vehicle for any reason other than disablement or servicing, it will have the broadest coverage we currently provide for any vehicle shown on your policy declaration page.
Does my auto insurance policy cover me if I drive in Mexico?
No, your Wawanesa auto insurance policy does not cover you if you drive in Mexico. Please note that Mexican law requires you to buy an auto tourist policy to legally drive in the country.
Does my insurance cover uninsured drivers?

Wawanesa offers insurance policies that cover uninsured drivers. To find out more, please get a quote online or check out the coverage offered in your state.

Disclaimer

Please note that this website provides only a summary of auto insurance to generally illustrate how auto insurance works. Your insurance policy is the legal contract containing the terms and limitations of your coverage. Any coverage provided by a Wawanesa General Insurance Company policy is subject to the terms, conditions, exclusions and endorsements of your insurance policy.