California Casualty Auto Insurance

California Casualty Auto Insurance Review

California Casualty is a car insurance carrier based in San Mateo, CA. The insurance company was founded in 1914 and offers car insurance in 44 states (and Washington, DC).

If you're considering whether California Casualty car insurance is a good option for you, read on.

California Casualty car insurance Pros & Cons

Pros	Cons
24/7 Phone availability Digital claims reporting Emergency roadside assistance Generous with policy discounts	No free policy cancellation No locally available agents No accident forgiveness No rental car coverage No ridesharing coverage No transport trailer coverage No travel expenses or trip interruption coverage Does not offer many vehicle equipment discounts

California Casualty car insurance FAQ

What types of car insurance coverage options does California Casualty car insurance offer?

Although we often talk about car insurance in the singular, it really includes several types of coverage options. California Casualty car insurance offers the following types of car insurance coverage options:

• Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 
• Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.
• Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.
• Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.
• Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.
•  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.
• Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most insurance policies will also cover funeral expenses.
• Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

California Casualty car insurance customers can also add the following riders or endorsements to their insurance policies:

• Modified Vehicle Insurance: This coverage, also known as customized parts and equipment coverage, can help repair or replace alterations and upgrades you make to your vehicle. Notice that most car insurance policies will only cover original equipment so you may want to consider this policy if you've invested a lot of money on aftermarket parts and upgrades.
• Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your vehicle and its current cash value in the event of a total loss.
• Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

Does California Casualty car insurance have roadside assistance?

Emergency Roadside Service available. Yes, California Casualty offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

Does California Casualty car insurance offer ridesharing insurance?

No, California Casualty car insurance does not offer ridesharing coverage as a rider or endorsement.

What benefits does California Casualty car insurance offer?

California Casualty car insurance offers the following benefits to its customers:

• 24/7 Phone Availability: Customer service is staffed around the clock.
• Digital Claims Reporting: Never fax or mail a document again.
• Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.

How does California Casualty calculate insurance rates?

Car insurance companies guard their risk-assessment algorithms as a trade secret, and California Casualty is no exception. However, you can be confident that California Casualty car insurance will take into consideration your driving record, age, gender, marital status, and address.

Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.

Does California Casualty car insurance use your credit score?

It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.

1. If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
2. There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.

How can I get a California Casualty car insurance insurance quote

• Visit the California Casualty website.
• Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
• Check the information is accurate and submit your application.