Automobile Coverage
The following brief descriptions of coverage are provided to assist you in understanding the various coverages available to you through Wawanesa Insurance. All coverage provided by any Wawanesa Insurance Policy is subject to the actual policy wording, endorsements, and declaration page(s) and all terms, conditions, limitations and exclusions therein.
Make a Selection:
A. Bodily Injury Liability - Mandatory Coverage
This coverage protects you against possible loss of your home, income and life savings (financial loss) should your vehicle injure or kill anyone and you are legally liable. It also pays for related legal defense, court and investigative costs. This coverage pays up to the first limit for any one person and up to the second limit for two or more persons injured or killed.
B. Property Damage Liability - Mandatory Coverage
This coverage protects you against financial loss when your vehicle damages another person's property, such as their vehicle, if you are legally liable.
C. Personal Injury Protection - Mandatory Coverage
This coverage provides reimbursement of medical and hospitalization expenses, payment for income continuation, loss of essential services, child care, and funeral expenses incurred due to an accident.
D. Comprehensive - Including Fire & Theft - Optional Coverage
This coverage pays for loss or damage caused to your vehicle by other than a collision. This includes fire, theft, earthquake, explosion, glass breakage, riot, vandalism and wind storm protection. It pays the lesser amount of either the actual value of your vehicle or the amount of each loss, in excess of your selected deductible.
E. Collision - Optional Coverage
This coverage provides protection for loss or damage to your vehicle caused by upset or collision with another vehicle or object. It pays the lesser amount of either the actual value of your vehicle or the amount of each loss, in excess of your selected deductible.
F. Towing and Labor Costs - Optional Coverage
This coverage pays up to $50 for each disablement of your vehicle and includes towing and labor costs, at the place of disablement, excluding the costs of parts.
F1. Rental Reimbursement - Optional Coverage
(Available on vehicles
insured for Comprehensive or Collision Coverage)
This coverage provides for
reimbursement, up to $25 per day to a maximum of $750 per
loss, for a rental vehicle while your vehicle is being
repaired and the cause of damage to your vehicle is
covered under either Comprehensive or Collision.
G. Uninsured Motorist Bodily Injury - Mandatory Coverage
(Coverage limits will match liability coverage unless a waiver is signed)
This coverage provides protection against the hazard of bodily injury caused by someone
who has no auto liability insurance or whose Bodily Injury Liability limits are less
than your Uninsured Motorist Coverage limits.
H. Uninsured Motorist - Property Damage - Optional Coverage
This coverage is available on all vehicles and provides up to $10,000 towards the lesser of either repairs or to the actual cash value of your vehicle for damages caused by an uninsured vehicle.