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WAIC offers auto insurance in 22 states altogether. The company specializes in high-risk customers, offering state-minimum policies or “SR-22 insurance” to people who might not otherwise qualify for another type of policy. Policies are sold through independent agencies.
Insurance products are available to individual drivers, both those who are considered high-risk and those with good driving histories. Because Workmen’s caters primarily to high-risk insurers and those looking for affordable coverage, many of its policies are basic liability plans designed to meet state requirements.
Minimum requirements do vary from one state to the next, so you’ll need to be sure that your policy adheres to your state’s laws when seeking this type of coverage. In general, a basic policy will include property damage liability, which pays for damage to other vehicles and property, and bodily injury liability, which pays for the medical expenses incurred in accidents you’re at fault for. Other coverages, like uninsured motorist, may be required by some states.
If you are willing to pay more and have a decent driving record, you can purchase full coverage insurance from WAIC. This includes first-party protection for your vehicle as well as injury coverage for the driver and passengers. But in reality, there is not a very good reason to pay the increased rates through Workmen’s Auto when you can simply go with a more affordable company that tailors to good drivers.
WAIC offers standard discounts for customers who insure multiple vehicles, have a safe driving record, and for those who pay their premiums in full. The company also offers a flexible down payment plan for those needing insurance immediately but may have difficulty paying for it in full. Unlike many insurers, WAIC does not take credit history into account when determining rates.
Workmen’s Auto does not offer online quotes, nor do they have licensed agents in the areas we test. So we were unable to get a quote for price comparison purposes. Those considering Workmen’s Auto can find a local licensed agent by submitting their zip code on the company’s website and finding a producer nearest you.
There is an online claims option available available. The site instructs you to fill out accident information, once submitted you will then be contacted for more information. Customers can also call the customer support line at 888-811-4054, which is available 24/7. Alternatively, you can contact your local agent for claims support.
In general, when you call to report a claim you will need to provide your policy and contact information, a description of what happened and any contact information you have for other parties involved in the accident. Depending on the coverages available, you may need to have your vehicle inspected.
Regardless of the coverages you carry, your claim will be investigated to determine fault. If you’re found at fault, your liability coverage will pay for the other party’s damage. If you are not at fault, you should file a claim against the other person’s insurance company.
Workmen’s Auto Insurance is not accredited with the Better Business Bureau and is not rated. There are only four complaints listed on the site for the last three years, two which were closed within the past 12 months.
Although there isn’t a lot of information available on this company, WAIC does have a few negative reviews on the popular consumer site Yelp. Concerns on the site include poor follow-through from adjusters and issues with policies being canceled without warning.
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Workmen’s Auto was founded some 60+ years ago with the intention to provide “high-risk” drivers state minimum insurance coverage.
If you are legally considered “high-risk,” often requiring “SR-22” insurance, consideration should be given to Workmen’s Auto, if for no other reason than only a handful of insurers will even consider extending you a plan.
If you are not considered “high-risk” and therefore do not require “SR-22,” then there are many more appropriate insurers to look into. Workmen’s Auto is designed to provide state minimum coverage to otherwise un-insurable drivers at a rate that most other insurers do not care to compete with. This being said, anyone looking for a well-rounded policy outside the confines of SR-22 requirements should look elsewhere.
For a list of companies that we recommend, visit our Best Insurance Companies page.