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Auto Insurance FAQs

Find answers on common auto insurance questions relating to coverage, making a claim, and more.

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Auto Insurance Frequently Asked Questions

Auto Insurance Applications

What’s the quickest way for me to get my car insured?
The quickest way to activate your car insurance coverage is to speak with one of our helpful agents. Call 800-640-2920 to get started!

Car Insurance Payments

What are my payment options for my car insurance?

Learn more about our payment plans and options or log-in to 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
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 25 days of the payment due date. If you make a payment after 25 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.

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 Roadside Assistance and the benefits of our Sign and Drive option.

Auto Insurance 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

I was responsible for causing an accident. Will my car insurance rates go up?

It depends. If you are 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 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.

Auto Insurance Policies and Coverage

When do I need car insurance?
If you plan to drive a vehicle you own, you’ll need car insurance. If you’re buying a new car, you’ll need insurance before you can drive the car off the lot — especially if the car is being leased or if you took out an auto loan to pay for it.
How much auto insurance coverage do I need?

Depending on the state that you live in, there may be required minimum coverage limits your auto insurance policy needs.

Learn more about the requirements in your state:

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.
Can I customize my auto insurance plan?

Depending on the state you live in, there may be required minimum coverage limits you need, however a basic auto insurance policy can include Bodily Injury Liability, Property Damage Liability, Comprehensive, and Collision coverage. Wawanesa lets you customize your auto insurance coverage to include higher coverage limits, additional services such as roadside assistance, rental expense, and more.

Visit your state's coverage page for more details:

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.

Can my car 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.


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.