Frequently Asked Questions

Some guidelines for your convenience

	General Questions

	1. How do I buy a policy?
	For auto insurance you should contact an agent or broker in your area. You can find a producer by clicking the “Get a Quote” button on the bottom of this page. For condo owners and renters insurance in California you can go to www.mydowntowninsurance.com to get a quote and buy a policy in three easy steps.

	2. Can I view my policy online?
	Yes, you can create a login and password on waic.com to view policy status, print notices and make a payment online.

	3. How do I make a payment?
	You can create a login and password on waic.com to view policy status, print notices and make a payment or you can call us at 800-927-8221 from 6:00 AM to 6:00 PM PST, Monday – Friday.

	4. What is an Endorsement?
	This is an addition to your policy contract and can amend or alter the basic contract.

	5. What is an Exclusion?
	This is a restriction in your insurance policy that limits or may exclude coverage for certain situations.

	6. What is an SR-22?
	An SR-22 is a certificate of financial responsibility mandated by the state to verify that an individual is maintaining auto insurance liability coverage.

	7. How do I file a complaint?
	If for some unfortunate reason you are dissatisfied you should contact the Department of Insurance for your state. Most State Departments of Insurance have a website with their contact information.

	Coverage Questions

	8. What is Bodily Injury Liability Coverage?
	This coverage pays damages for injury to persons or death resulting from an accident for which you are at fault. This coverage is subject to terms, limits and conditions of your policy contract.

	9. What is Property Damage Coverage?
	This coverage may pay for damages to another party’s property resulting from an accident in which you are at fault. This coverage is subject to the terms, limits and conditions of your policy contract.

	10. What is Uninsured Motorist Coverage?
	This coverage is available in all states and mandatory in some. It pays for your injuries or property damage caused by an uninsured motorist or, in some states, an unidentified driver. In some cases it also includes coverage for underinsured motorists and at-fault drivers with insufficient insurance to pay your claim. This coverage is subject to the terms, limits and conditions of your policy contract.

	11. What is Collision Coverage?
	This coverage pays for damage to an insured vehicle when it is involved in an accident with another vehicle or object. This coverage subject to terms limits and conditions of your policy contract.

	12. What is Comprehensive Physical Damage Coverage?
	This coverage pays for damage to your car from theft, vandalism, flood, fire or other covered perils not caused by a collision. This coverage subject to terms limits and conditions of your policy contract.

	13. What is Personal Injury Protection?
	This coverage is only available in certain states and may pay for your medical treatment, lost wages, or other accident-related expenses regardless of who caused the accident. This coverage is subject to the terms, limits and conditions of your policy contract.

	14. What is Emergency Roadside Assistance?
	This coverage is included on all CHOICE policies and provides coverage for lockout service, inflating a flat tire, re-charging dead batteries and towing. This coverage is subject to terms, limits and conditions of your policy contract.

	15. What is Rental Reimbursement / Transportation Expenses?
	This coverage is included on all CHOICE policies and is also available as an optional coverage in California and Florida on our non-standard policy. It helps pay rental car costs when your insured vehicle is disabled as the result of a covered accident or loss. This coverage is subject to the terms, limits and conditions of your policy contract.

	Claims Questions

	16. How do I report a claim?
	If you are involved in an accident call us at 888-811-4054 to report your claim 24 hours a day/7 days a week.

	17. Who handles my claim and how can I get in touch with them?
	Once your claim is filed, it will be assigned a claim number. Your claim will then be handled by a claims adjuster. You can contact your adjuster by calling 888-811-4054 and having your claim number available.

	18. Will the payment of my claim be affected if my car is financed?
	The lienholder will be included on the settlement check.

	19. Will making a claim have an impact on my premium?
	Several factors are used in determining your premium if a claim has been reported. Some of those factors include total repair costs, at fault determination and coverage(s) paid.

	20. If property is stolen from my vehicle, will my auto insurance cover this loss?
	No, your auto policy does not cover personal property that may be stolen from your car. In some states, your homeowner's policy may cover this loss. You should check with your agent. If you own a condo or rent an apartment and you live in California, you can purchase a condo or renters policy from mydowntowninsurance.com which does cover these types of losses.