Ren, I’ve had 2 positive experiences with Wawanesa regarding property damage settlements. I had a 67 Impala, nice shape, 50k original miles. I purchased it for a little over $3k. It was stolen. Wawanesa gave me $6k.
Second scenario. I had a 2000 Toyota tundra. Excellent condition, about 50k miles. I purchased it used for $12,500. I totaled it a short time later. They gave me $16k.