Insurance company

Workers Automobile Insurance Company Review (2022)

Many California residents are familiar with the Workmen’s Auto Insurance Company (WAIC). The California-based company is a subsidiary of the larger Mercury Insurance Group and specializes in providing high-risk insurance for drivers with poor credit, traffic tickets or violations. Our guide will help you learn more about its coverage, costs, customer service and ratings.

Choosing the right insurer and the right coverage could help you save hundreds of dollars every year, so be sure to also read our review of the best car insurance companies on the market for some great options from alternative providers.

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Presentation of the auto insurance company for workers

Workmen’s Auto Insurance Company was founded in Los Angeles in 1949 and specializes in non-standard personal auto insurance in California. It was acquired by the Mercury Insurance Group in 2014-2015 for a purchase price of $8 million and is now headquartered in Brea, California.

In total, the company wrote over $27 million in private passenger auto liability premiums and over $13 million in auto bodily injury premiums in 2018. According to WAIC.com, the company sells plans through insurance agents and insurance agencies in California.

Workmen’s Auto Insurance Company offers a convenient mobile app for Android users. You can use this app to pay bills or get a digital copy of your insurance ID card. The company has yet to release an app for the iOS platform.

Workmen’s Auto Insurance Company also provides claims reporting 24 hours a day, 7 days a week. However, its customer service lines are only open Monday through Friday, 8 a.m. to 5 p.m. PST.

Workmen’s Auto Insurance Company Coverage

From basic liability coverage to comprehensive coverage, Workmen’s Auto Insurance Company offers many types of insurance to meet the needs of every driver.

  • Bodily Injury Liability Coverage (BI): Reimburses injuries to another person in an accident for which you are responsible and up to the limits specified in your policy
  • Material damage coverage: Reimburses for damage to another person’s car or property in an accident where you are at fault
  • Uninsured/Underinsured Motorist Coverage: Protects you and your passengers if you are involved in an accident with an uninsured/underinsured driver and the accident was their fault
  • Collision coverage: Covers damage to the vehicle in the event of a collision with another car or object
  • Complete car insurance: Protects you against damage due to theft, fire, vandalism or other reasons other than collision.

Workmen’s Auto Insurance Company also offers these add-ons:

  • Emergency Roadside Assistance: Provides coverage for towing, flat tires, dead battery and lockouts
  • Rent reimbursement: Pays for a rental car ($20 to $30 per day for a maximum of $600 to $900 per claim) while your car is being repaired due to a covered accident
  • Limited Mexican coverage: Extends 25 miles into Mexico from the US border if you purchase limited Mexican coverage

Because Workmen’s Auto Insurance Company primarily works with atypical drivers who have difficulty obtaining coverage elsewhere, the company will provide coverage even if you:

  • Are new to the country
  • Have bad credit
  • Have a history of impaired driving
  • Have recent driving offenses or accidents.

He will also help you with an SR-22 filing, also called a certificate of insurance or financial responsibility filing, if you need one.

Workers Auto Insurance Company Costs and Discounts

Many insurance companies offer discounts to customers who meet certain criteria. If you’re considering insuring your car with Workmen’s Auto Insurance Company, here are some discounts that can help lower your premiums.

According to Workmen’s website, the company offers “attractive installment plans to suit any budget.” This would involve paying part of your premium at the time of purchase as a down payment and the rest in installments over the term of your six or twelve month policy. We suggest you speak to an agent for more information.

Reviews of Workmen’s Auto Insurance Company

Our team researched the company’s online reputation and customer reviews. Overall, Workmen’s Auto Insurance Company has low ratings from customers. Many say agents and adjusters are hard to reach.

Here’s a rundown of the company’s ratings:

  • 1.9 out of 5.0 stars on Google
  • 1.5 out of 5.0 stars on Yelp
  • No Better Business Bureau (BBB) ​​customer reviews but 6 complaints

A quick glance at Workmen’s Auto Insurance Company’s business profile on the BBB reveals an “A” rating. There are no reviews and a handful of complaints about the BBB. WAIC has a low rating because the company takes a long time to respond to customer complaints on the BBB.

Workmen’s Auto Insurance Company is also not accredited with BBB. It is important to note here that companies are not required to be accredited with the BBB, but many do so to demonstrate their commitment to dispute resolution and customer satisfaction.

Below are some examples of positive and negative reviews.

“Long story, short, my car was destroyed. Workmen’s Auto staff were very quick to help me through the process.

– Alan G. via Google

“Great insurance. I pay for coverage for my two cars and the price is under $100. I’m happy with my monthly payment.

– Nelly C. via Google

“They are unreachable, take weeks to get back to you, and will do everything in their power not to bother you.”

– Haik D. via Google

“This is by far the worst insurance company. Stay away from these guys unless you have time to send them 35 emails just to get them to change your card information.

–Joshua T. via Google

Our car insurance company for workers: 3.0 stars

We rate Workmen’s Auto Insurance Company with 3.0 stars out of 5.0 overall. The company has a long history and is backed by Mercury Insurance, which is a solid provider. However, WAIC mainly receives negative reviews online, so we recommend comparing other providers as well.

The terms, benefits, and costs of auto insurance coverage can vary widely from provider to provider. Be sure to get at least three or four quotes to get the best rates and coverage for your needs.

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National companies such as Progressive and State Farm, which ranked highly in our recent review of the best car insurance companies in the market, also offer car insurance for high-risk or atypical drivers.

Progressive auto insurance was one of the first to offer payment plans to non-standard auto policyholders. In fact, Progressive Casualty Insurance Company was the first specialty underwriter for non-standard insurance in the country when it was founded.

Additionally, the company has an A+ rating from AM Best for financial strength, offers additional coverage options like carpool coverage and gap coverage, and has decent ratings for customer satisfaction and claims handling. complaints. For more information, read our progressive insurance review.

State Farm auto insurance, which is the most popular auto insurance company in the United States, could be another great option for high-risk insurance, especially if you have a teenage driver in the family.

In addition to competitive rates and excellent customer service, the company also offers attractive discounts, such as the Good Student discount, the student absent from school discount and the driver training discount, to reduce your premiums. . For more information, read our State Farm Insurance Review.

Methodology

In an effort to provide accurate and unbiased information to consumers, our team of experts collects data from dozens of car insurance providers to compile rankings of the best insurers. Companies receive a score in each of the following categories, along with an overall weighted score of 5.0 stars.

  • Industry Ranking: Insurers with strong financial ratings and customer-focused business practices receive the highest scores in this category.
  • Availablity: We consider availability by state as well as exclusions for specific groups of drivers.
  • Cover: This rating is based on the types of insurance available, maximum coverage limits and supplemental policies.
  • Cost and discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many auto insurance discount opportunities receive the highest scores.
  • Customer service: We scour customer reviews and consumer feedback studies from experts like JD Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.