FAQ - Automobile Insurance
Frequently asked questions:
Do you offer a six month policy?
Is there a grace period if my payment is late?
My policy was cancelled for non-payment. If I send a payment will my coverage be reinstated?
What discounts are available on Wawanesa Automobile Insurance Policy?
Does Wawanesa offer Rental Reimbursement Coverage?
Am I covered if I drive in Mexico?
If I am involved in an accident, will my premium increase?
How long does an at-fault accident surcharge remain on my policy?
How long do traffic convictions affect the rating of my policy?
A rock hit my windshield. If I put in a claim will my policy premium go up?
Does my policy cover me if I rent a car?
If I apply for auto insurance, do I have coverage immediately?
How do I calculate the downpayment on my automobile insurance application?
Do you offer a six month policy?
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
Box 82867
San Diego, CA
92138-2867
Is there a grace period if my payment is late?
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.
My policy was cancelled for non-payment. If I send a payment will my coverage be reinstated?
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.
What discounts are available on Wawanesa Automobile Insurance Policy?
We currently offer the following discounts:
- Good Driver Discount
- Mature Driver Discount
- Multi-Vehicle Discount
- Theft Recovery Discount
Does Wawanesa offer Rental Reimbursement coverage?
Yes, effective October 1998, this coverage became available on all vehicles insured for either Comprehensive or Collision coverage by Wawanesa.
Am I covered if I drive in Mexico?
There is NO coverage provided by your Wawanesa Automobile Insurance Policy.
If I am involved in an accident, will my premium increase?
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.
How long does an at-fault accident surcharge remain on my policy?
An at-fault accident remains on your policy for three consecutive policy terms, commencing the first renewal after the accident.
How long do traffic convictions affect the rating of my policy?
A traffic conviction remains on your policy for three consecutive policy terms, commencing the first renewal after the conviction date.
A rock hit my windshield. If I put in a claim will my policy premium go up?
No, there is no increase in premiums charged due to any Comprehensive coverage related claims.
Does my policy cover me if I rent a car?
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.
If I apply for auto insurance, do I have coverage immediately?
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.
How do I calculate the downpayment on my automobile insurance application?
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.