Are you a resident of California, and you need an auto insurer? Then you should try out Workmen’s Insurance. Workmen’s Auto Insurance Company(WAIC) is well known among Californians.
The California-based business is a division of the broader Mercury Insurance Group. It focuses on offering high-risk insurance to motorists with a history of fines, moving offenses, or bad credit.
Also, this insurance company has a rating of 1.9 stars from 99 reviews on google.
You may learn more about Workmen’s Auto Insurance coverages, prices, customer service, and ratings with the aid of this guide.
Workmen’s Auto Insurance Company Overview
In California, the Workmen’s Auto Insurance Company was established in 1949 and specializes in non-standard personal auto insurance. Its current headquarters are in Brea, California. This was after being purchased by the Mercury Insurance Group in 2014 or 2015 for a $8 million acquisition price.
In total, the business wrote over $27 million in private passenger auto liability insurance. It also wrote over $13 million in auto physical damage premiums in 2018.
Furthermore, the company sells plans through insurance brokers and insurance companies in California, according to WAIC.com.
Additionally, for Android users, Workmen’s Insurance Company has a useful mobile app. This software allows you to pay bills and obtain a digital version of your insurance ID card. The business has not yet released an iOS app.
Additionally, this insurance company offers 24-hour claims reporting.
However, its customer support lines are only open from 8 a.m. to 5 p.m. PST Monday through Friday.
Workmen’s Auto Insurance Company offers a variety of insurance options to meet the needs of all drivers. Ranging from minimal liability coverage to full coverage.
Bodily injury (BI) liability insurance
Up to the limits outlined in your policy, bodily injury (BI) liability insurance pays for injuries. It pays for injuries to third parties in accidents when you are at fault.
Property damage coverage
When you are at fault in an accident, property damage coverage will pay for damages to another person’s vehicle or property.
Uninsured/underinsured motorist protection
This coverage Guards you and your passengers in the event of an accident caused by an uninsured/underinsured driver.
Additionally, if your car collides with another car or an object, collision coverage will pay for the damage.
Comprehensive car insurance
Comprehensive auto insurance Guards against damage from theft, fire, vandalism, and other events aside from collisions.
These extras are also available from Workmen’s Auto Insurance Company:
Emergency roadside assistance
Offering coverage for towing, flat tires, dead batteries, and lockouts, emergency roadside help.
Covers the cost of a rental vehicle ($20 to $30 per day, with a cap of $600 to $900 per claim). While your vehicle is being repaired as a result of an accident that is covered.
Limited Mexico coverage
If you get limited Mexico coverage, it extends 25 miles into Mexico from the U.S. border.
Because it specializes in providing insurance to non-standard drivers who have trouble finding coverage elsewhere. WAIC will offer coverage even if you:
- are foreigners in the country
- have bad credit
- have a DUI(Driving Under the Influence) history
- possess recent traffic infractions or mishaps.
However, you might require an SR-22 file, commonly known as a certificate of insurance or financial responsibility filing. It will also assist you with that.
Cost And Discounts
Many insurance providers give consumers who meet specific requirements discounts. These discounts can help you lower your premiums if you want to insure your automobile with Workmen’s Auto Insurance Company.
Additionally, the business offers “attractive down payment plans fit for any budget,” according to the Workmen website. This would entail paying a portion of your premium up front as a down payment. And the rest amount over the course of your policy’s six- or twelve-month term in installments.
We looked into the business’s web reputation and client testimonials. Customers give Workmen’s Auto Insurance Company poor reviews overall. Agents and claim adjusters are allegedly difficult to reach.
The company’s ratings are summarized as follows:
- 1.9 stars out of 5.0 on Google
- Yelp ratings of 1.5 out of 5.0
- There are 6 complaints but no consumer reviews on the Better Business Bureau (BBB)
A simple glance at the BBB company page for Workmen’s Auto Insurance Company reveals a “A” rating. On the BBB, there are a few complaints but no reviews. Due to the company’s lengthy response times to BBB consumer complaints, WAIC receives a poor rating.
Here are a few examples of both favorable and unfavorable evaluations:
Positive Workmen’s Auto Insurance Company Reviews
“Long story short, my car got totaled. Personnel from Workmen’s Auto were very prompt in helping me go through the process.”
– From Alan G. via Google
“Great insurance. I pay for coverage on my two cars and the price is less than $100. I am happy with my monthly payment.”
-From Nelly C. via Google
Negative Workmen’s Auto Insurance Company Reviews
“They are unreachable, take weeks to get back to you, and will do everything in their power to not take care of you.”
-From Haik D. via Google
“This is the worst insurance company by far. Stay far away from these guys unless you have the time to send 35 emails to them just to get them to change your card information.”
– From Joshua T. via Google
Automobile insurance for high-risk or non-standard drivers is also offered by national organizations like Progressive and State Farm. They received high marks in our recent analysis of the finest auto insurance providers on the market.
One of the earliest vehicle insurance companies to provide payment arrangements to customers with unusual automobile insurance needs was Progressive.
Additionally, when Progressive Casualty Insurance Company was established, it was the first specialist underwriter for non-standard insurance in the nation.
Furthermore, the company also offers supplementary coverage options including rideshare coverage and gap coverage. It has a solid reputation for handling claims, and has an A+ rating for financial strength from AM Best.
Another excellent choice for high-risk insurance could be State Farm auto insurance. It is the most well-known vehicle insurance provider in the United States. Especially if you have a teen driver in the family.
Additionally, the company offers significant discounts. This includes the Good Student Discount, Student Away at School Discount, and Driver Training Discount. This is in addition to cheap prices and first-rate customer care, to help you save money on your premiums.
Advantages of Workmen’s Auto Insurance
Below are the advantages of WAIC:
Are you able to cover substantial unintentional damages? Choosing the best auto insurance plan is the best course of action to avoid exorbitantly high enormous damage expenses.
Guaranteed replacement and repairs
When deciding whether to repair or replace the spare components, the automobile insurance authority evaluates the extent of the damage.
Also, your vehicle is protected from auto damages by a car insurance coverage.
However, due to the uneven and bumpy roads during the rainy season, your vehicle may sustain additional damage. The mechanical components of your vehicle are impacted by this degraded road.
WAIC will help resolve those issues
A new car owner needs liability insurance. Being covered by the appropriate insurance protects you from contractual obligations.
Assured for medical claims
Because an individual cannot afford the high medical costs in the event that the driver or passenger suffers serious injuries. Having insurance guarantees that medical costs will be paid to support financial obligations.
Protects driver and passenger liability
Your insurance policy will pay for any damages to drivers and passengers in the event of an accident.
However, due to the benefits included in the auto insurance policy, you may now drive on roads stress-free. There are several benefits to paying for auto insurance, so never drive too recklessly while backed by a policy.
Also, understand how insurance protects you against unplanned disasters.
Disadvantages of WAIC
People automatically purchase auto insurance under the assumption that it will safeguard their vehicles.
However, there are drawbacks to having a car insurance policy, even if you choose the best online. Insurance agents conceal the fine print, which will come back to haunt you when it comes time to settle a claim.
Here are the drawbacks associated with WAIC:
Failure to cover
The primary and biggest drawback of auto insurance is that it does not cover the complete car. Only some automotive parts are covered by damage insurance. Thus, before purchasing the policy, the policyholder must carefully review any hidden restrictions.
Time taking Process
Most insurance firms take a while to settle claims, which is the main issue that most policyholders are dealing with.
Easy claim resolution
A motor insurance policy is required to protect your car from financial hardship in the event of any damages. Selecting auto insurance with the best claim settlement potential requires caution. Get the best insurance coverage by comparing the ratio of fair claim settlement for each insurance provider.
It could be challenging to pay for your vehicle’s repairs if you don’t have insurance to cover the charges.
However, Even if you significantly damage someone’s property, Workmen’s auto insurance shields you from legal action. The insurance protects you and supports you when others bring claims against you due to accidents.
WAIC offers auto insurance products, from basic car insurance to full coverage auto insurance. The company specializes in car insurance for high-risk drivers. Unlike other companies, it doesn’t offer other insurance services like homeowners or life insurance.
Many reputable insurance providers are good at paying claims, including USAA, Geico, and Progressive. According to the J.D. Power 2020 U.S. Auto Claims Satisfaction StudySM, Amica and USAA were the two nationwide providers with the best claims process.
Provide Insurance is an online quote comparison tool owned by EverQuote. The tool compares quotes from a variety of sources. It is a legitimate way to get prices for different car insurance companies.
Reputable insurance companies don’t rip you off on purpose, but one auto insurance policy can be much more expensive than another. Independent agents may also have an incentive to push you to buy more insurance. To avoid paying too much, compare at least three different companies.