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Claim FAQ

You can report a claim 24 hours a day, 7 days a week.

Repairs and Estimates

How can I get an estimate for my vehicle damages?
Your claim representative will work with you to find the most convenient way to get an estimate. For minor auto claims, you'll be able to get your estimate by sending us photos of the damage from your mobile device. If this feature is available, you’ll receive an estimate and settlement within a day or two.
Can I choose which auto repair shop I use?
Yes, you can use whichever repair facility you like. Or you can use a Wawanesa Direct Repair Facility where the repairs are guaranteed. Find out more about our Claims Service Guarantee.
What if the estimate from my repair shop is different than the one provided by Wawanesa?
If there’s a difference, your Wawanesa appraiser will work directly with your repair shop and provide an updated estimate if necessary. If you need to submit an estimate for additional damages, you’ll find instructions on the Wawanesa estimate document.

Deductibles and Coverages

When would my uninsured motorist collision deductible waiver apply?
Once we confirm that the other party is negligent, your waiver would apply. Your claim representative will explain how your coverage applies to your claim.
When would my uninsured motorist property damage (UMPD) coverage apply?
Once we confirm that the other party is uninsured, your UMPD coverage will kick in. Your claim representative will explain how your coverage applies to your claim.
Why do I have to pay my deductible if I’m not at fault for an accident?
Your deductible is separate from who’s at fault in an accident. You’ll need to pay the deductible before your insurance coverage takes over in a claim. But we may be able to recover your deductible from the at-fault driver’s insurance company.
Does my coverage include the cost of an attorney if I’m sued as a result of an auto accident?
Yes. Your Wawanesa policy’s liability coverage includes legal defense against any lawsuit seeking damages for bodily injury or property damage resulting from an auto accident.

Accident Responsibility

If the other party is at fault, should I file my claim with Wawanesa?
You can use either your Wawanesa coverage or the responsible insurance company—it’s your choice.
What if the at-fault party or their insurance company won’t pay for my damages?
As a Wawanesa policyholder, your covered loss will be paid by us. Depending on the claim circumstances, we may be able to recover your out-of-pocket expenses from the other company.
What if I’m found at-fault for an accident and I disagree with the decision?
If you dispute your liability, you can ask to have the decision reconsidered. Your Wawanesa policy contract allows us to settle or defend any claim made against you, if appropriate.
I was responsible for causing an accident. Will my rates go up?
It depends. Different factors go into determining whether rates increase after an accident. Please call us at 800-640-2920 so we can review your specific situation.


What are my claim payment options?
You can have payment deposited directly to your bank account by Electronic Funds Transfer (EFT) or have a check mailed to you. In some cases, we can pay the repair facility or rental car agency directly. Your claim representative will be happy to go over the available options with you.

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