Frequently Asked Questions

CarWan Insure provides comprehensive auto insurance solutions including liability coverage, collision coverage, comprehensive coverage, uninsured and underinsured motorist protection, medical payments coverage, and personal injury protection. We work with you to customize a policy that fits your specific needs and budget, ensuring you have the right level of protection for your vehicle and driving situation.

Collision coverage protects your vehicle from damage resulting from accidents with other vehicles or objects, regardless of who is at fault. Comprehensive coverage, on the other hand, protects against non-collision incidents such as theft, vandalism, fire, natural disasters, falling objects, and animal collisions. Together, these coverages provide complete protection for your vehicle against a wide range of potential damages.

Uninsured motorist coverage is highly recommended as it provides critical financial protection if you're involved in an accident with a driver who lacks insurance or has insufficient coverage. This protection covers medical expenses, lost wages, and vehicle damage resulting from accidents with uninsured or underinsured drivers, as well as hit-and-run incidents. Given that a significant percentage of drivers operate without adequate insurance, this coverage offers valuable peace of mind and financial security.

Gap insurance covers the difference between your vehicle's actual cash value and the outstanding balance on your auto loan or lease if your car is declared a total loss. This coverage is particularly valuable for new vehicle purchases, vehicles with small down payments, or long-term auto loans, as vehicles typically depreciate faster than loan balances decrease during the first few years of ownership. Gap insurance ensures you won't be left paying for a vehicle you can no longer drive.

We assess your coverage needs based on several factors including your vehicle's value, your assets, driving habits, state requirements, and personal risk tolerance. Our experienced agents conduct a thorough evaluation to recommend appropriate coverage limits that provide adequate protection without unnecessary costs. We ensure you meet all legal requirements while offering options to enhance your coverage based on your individual circumstances and financial situation.

Filing a claim with CarWan Insure is straightforward and convenient. You can initiate a claim through our online portal, which is available around the clock. When filing, provide detailed information about the incident including date, time, location, description of what happened, photos of any damage, and contact information for all parties involved. If there was a police report filed, include that reference number as well. Our claims team will respond promptly to guide you through the next steps.

Most straightforward claims are processed within 48 to 72 hours after we receive all necessary documentation. Simple claims with clear liability may be resolved even faster. More complex situations involving significant damage, disputed liability, or injuries may require additional time for thorough investigation. Throughout the process, we maintain transparent communication, keeping you informed of your claim's status and any additional information we may need to reach a resolution.

The impact on your rates depends on the nature and circumstances of the claim. At-fault accidents typically have a greater impact on premiums than comprehensive claims for incidents like theft, vandalism, or weather damage. CarWan Insure offers accident forgiveness programs that may protect your first at-fault accident from affecting your rates, depending on your policy and eligibility. We recommend contacting your agent to discuss how a specific claim might affect your individual situation and explore available options to minimize rate increases.

Yes, you have the right to choose where your vehicle is repaired. While CarWan Insure maintains a network of preferred repair facilities that we've vetted for quality workmanship and fair pricing, you're welcome to select any licensed repair shop you trust. If you choose a shop within our network, repairs are typically guaranteed and the claims process may be more streamlined. Regardless of your choice, we'll work with the facility to ensure your vehicle is restored to its pre-accident condition.

Your premium is calculated based on multiple factors including your driving history, age, location, vehicle make and model, annual mileage, coverage levels, deductible amounts, and credit history. Additional considerations include your claims history, the number of drivers on your policy, and whether you qualify for any discounts. CarWan Insure uses advanced analytics to ensure fair and competitive pricing while rewarding safe drivers and responsible vehicle owners.

There are numerous ways to lower your premiums with CarWan Insure. Maintaining a clean driving record is one of the most effective methods. You can also consider increasing your deductibles, bundling multiple policies, installing anti-theft devices and safety features in your vehicle, completing approved defensive driving courses, and taking advantage of available discounts such as good student, multi-vehicle, safe driver, and low mileage discounts. Contact your agent for a personalized policy review to identify all applicable savings opportunities.

Yes, you can modify the drivers on your policy at any time by contacting your CarWan Insure agent or updating your information through our online portal. Adding drivers may impact your premium depending on their age, driving experience, and driving record. It's important to list all household members of driving age and anyone who regularly operates your vehicle to ensure you have proper coverage. Failing to list a driver could result in coverage issues in the event of a claim.

CarWan Insure offers same-day coverage activation. Once you complete your application and process your initial payment, your policy becomes effective immediately. You'll receive instant proof of insurance documentation that can be downloaded or emailed to you, allowing you to drive legally right away. This quick activation ensures you're never without the protection you need, whether you're purchasing a new vehicle or switching insurance providers.

It's crucial to notify CarWan Insure promptly when you relocate, as insurance requirements, coverage options, and rates vary significantly by state. As a company licensed to operate in all 50 states, we can seamlessly update your policy to comply with your new state's regulations and requirements. Your premium may be adjusted based on the risk factors and insurance laws in your new location. Our team will guide you through the transition to ensure continuous, compliant coverage.

Absolutely. CarWan Insure rewards safe driving habits with significant discounts. Our safe driver discount is available to policyholders who maintain a clean driving record free from accidents and traffic violations. Additionally, we offer good student discounts for young drivers who maintain strong academic performance, multi-policy discounts when you bundle auto insurance with other coverage types, and loyalty discounts for long-term customers. Ask your agent about all available discounts to maximize your savings.