Claims - FAQs

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

Repairs and Estimates

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.
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.
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

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.
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.
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.
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

You can use either your Wawanesa coverage or the responsible insurance company—it’s your choice.
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.
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.
Not necessarily. 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.
You can submit your report online using with the easy-to-use, digitalized form below. To submit an SR1 online, please go to: www.dmv.ca.gov/portal/dmv-virtual-office/accident-reporting/.


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.

Get a Quote Today

Existing Customers

For assistance with an existing policy or adding a new policy, please call 800-640-2920.

Monday to Friday 7:30 am – 7:30 pm PT
Saturday 8:00 am – 4:30 pm PT