Auto Insurance Coverages
Wawanesa offers affordable auto insurance coverage to protect you and provide peace of mind when you’re on the road.
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Comprehensive Car Insurance Coverage You Can Depend On
With few exceptions, auto insurance coverage is mandatory in most U.S. states. There are many types of car insurance coverage, and most insurers offer policies that allow you to customize various coverage options. Wawanesa offers our members coverages tailored to their individual needs and budget.
Auto Insurance Coverage Types
Bodily Injury Liability
Helps pay the cost of injury to or death of another person when you’re at fault. It also provides for your legal defense against any bodily injury claims or lawsuits, if necessary.
Property Damage Liability
Helps pay the cost of damage to another person’s property such as someone else’s vehicle, home, building, or fence when you’re at fault. It also provides for your legal defense against property damage claims or lawsuits, if necessary.
Collision
Helps with repairs or replacement of your car if you’re in an automobile accident, regardless of who is at fault.
Comprehensive
It helps pay to repair or replace your car if it is damaged by vandalism, theft, fire, storms, contact with animals, or other causes.
Uninsured/Underinsured Motorist Property Damage
It helps pay for car damages if the other driver is at fault and does not have property damage insurance.
Personal Injury Protection
It helps pay for injuries-related expenses, regardless of who’s at fault.
Auto Medical Payments
It helps pay for your medical bills and related expenses and each person injured in your vehicle. Medical payment coverage also protects you and your family if you’re injured by a car while walking or riding a bike.
Coverages vary from state to state. Visit your state's auto insurance coverage page for more details.
Get Affordable Car Insurance Coverage with Wawanesa
Nobody wants to overpay on auto insurance, and now you don’t have to! Trusted by drivers for over 120 years, Wawanesa offers affordable car insurance you can depend on.
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You’re only a click or call away from affordable, reliable car insurance.
Auto Insurance Discounts
Wawanesa members can save even more on car insurance rates with our discounts. Find out which discounts you can benefit from today.
Roadside Assistance Coverage
Dead battery? Flat tire? Out of gas? We’ve got you covered. Wawanesa members are never left stranded on the side of the road with our roadside assistance coverage.
Additional Car Insurance Coverages
While basic car insurance coverage is mandated by state law, there are optional coverages you may want to add to your policy. The following types of coverages are recommended to ensure enough protection to cover most scenarios.
Collision Coverage
Collision insurance covers your vehicle if:
- You’re in a single-car accident
- You’re in an accident with another vehicle
- You collide with an object like a tree or streetlight
- You roll your car accidentally
Comprehensive Coverage
Pays if your car is stolen or damaged by something other than a collision, such as weather, fire, vandalism, falling objects, or contact with animals.
Roadside Assistance Coverage
Helps pay for standard roadside services in the event your car is disabled. This can include:
- Emergency towing
- Flat tire change
- Battery jump start
- Fuel delivery
- Winching service
- Vehicle lockout
Rental Car Expense Coverage
It helps pay for rental car fees while your vehicle is being repaired or replaced due to a covered claim. To add this type of coverage, you’ll need to carry comprehensive or collision coverage.
Special Vehicle Equipment Coverage
Pays additional costs for loss or damage to special vehicle equipment where the cause of damage to your vehicle is covered under either your comprehensive or collision coverage. This may include custom furnishings or equipment not installed by the original vehicle manufacturer, such as special carpeting and furnishings, electronic equipment, specialized tires and wheels, engine accessories, anti-theft equipment, and custom paint.
Car Insurance Coverage Quotes
Wawanesa has the perfect car insurance plans and discounts to fit your needs and budget. Get a quote for your state today.
Auto Insurance Frequently Asked Questions
Have more questions on auto insurance? Visit our FAQs page to find answers on common questions relating to coverage, making a claim, and more.
Understand Your Car Insurance Coverage
An auto insurance policy consists of a variety of coverages that provide protection in different situations. The coverages have different limits and may have an associated deductible. The following are insurance terms commonly used in auto insurance.
Glossary of Policy Terms
Coverage
The protections and benefits provided by the insurance policy are subject to limitations and exclusions.
Declarations Page
The declarations page of your policy summarizes the important details of your contract. It highlights your premium, coverages, limits, deductibles, discounts, insured vehicles, driver’s insured on the policy, and more. It’s important to always check the details on this page to ensure everything is correct because any errors could affect you if you ever need to file a claim.
Deductible
The amount of the loss that the policyholder is responsible for paying up-front before covered benefits from the insurance company are paid out. This applies to comprehensive or collision coverage only.
Effective Date
The date your auto policy begins. If an accident occurs before this date, the policy will not cover it.
Exclusion
A contractual provision in an insurance policy that denies or restricts coverage for certain events, persons, property, or locations.
Limits
The maximum amount of financial protection available for a specific coverage, subject to limitations.
Policy
An insurance policy is a contract between you and your insurance company. In exchange for your payment of your premium, your insurance company agrees to pay covered costs associated with an auto accident or other covered loss, subject to the policy terms.
Premium
The amount charged by the insurance company to the policyholder for the insurance policy.
Primary Use
How you most commonly use your vehicle. Typically, the choices are commuting to work or school, business, or pleasure use.
Disclaimer
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.