An organization that rates the financial stability of insurance companies doing business in the United States.

An event that is unforeseen, unexpected, and unintended.

Customers who have been insured with us for three (3) consecutive years and have had no accidents qualify for this discount. (Discount availability varies by state)

Physical injury sustained as the result of an accident.

Coverage that pays a death benefit when bodily injury results in the death of an insured within 24 months of the date of the accident.

If Full PIP is purchased, you may select various higher limits for the Added PIP Package of Income Continuation, Essential Services, Death and Funeral Benefits, depending on your needs.

a. No age requirement b. Course completion with last 36 months c. Applies to one vehicle per driver d. Applies to the Named Insured, Principal or Rated Driver (could be occasional driver) e. No chargeable accidents after completion of the course. f. No 4+ point majors after completion of the course. g. No suspension after completion of the course

An adjuster investigates claims to determine the extent of California Casualty's liability.

"All Risks" property policies, often called "special" policies, cover any loss unless it is caused by an excluded peril listed in the policy.

Pays for alternative transportation when a covered motor vehicle is stolen or withdrawn from use while being repaired. Coverage is expressed in per day and total amounts of coverage. For example, 20/600 means the maximum payment per day is $20.00 with a maximum limit of $600.00. This limit comes as part of your policy. Higher per day and maximum limits are available for an additional premium. There is a waiting period, 48 hours after theft and 24 hours after other losses, before the coverage takes effect.

Document changing the provisions of an insurance contract. Also known as an endorsement.

Anti-lock brakes are designed to prevent skidding during emergency situations. There are four-wheel and rear-wheel versions. The four-wheel ABS are typically found on passenger cars and some light trucks. The rear-wheel variety is found only on light trucks. If your vehicle has ABS, a special "ABS" warning light on the dash momentarily lights up when you turn on the ignition.

Insured vehicles equipped with an anti-theft device qualify for this discount. (Discount availability varies by state).

A policy condition that defines a procedure for determining the amount of a loss when the insured and insurer disagree. Both parties hire an appraiser and the appraisers select an umpire. The amount agreed to by any two of the three becomes the amount paid.

Other buildings or structures that are located on the same premises as the main building insured on a property policy. Detached from the main building, they have a separate amount of insurance coverage. They are also referred to as "other structures".

These are state run insurance programs for people who cannot obtain insurance in the normal marketplace.

Homeowners and condominium owners often belong to associations that are responsible for maintaining common areas and structures in their immediate community. The associations are responsible for the insurance coverage on these common areas and structures, but should a loss occur which the insurance does not fully cover, all association members may be assessed to cover the difference. Your basic policy comes with $1,000 of loss assessment coverage. You may increase that amount by endorsement.

The basic policy does not provide coverage for electronic equipment that receives or transmits audio, visual or data signals, even if such equipment is permanently attached to the vehicle. This endorsement allows you to purchase coverage for such equipment.

Pays for damages that you cause to other people and their property while operating an insured motor vehicle. Without the coverage, your assets would be subject to seizure to pay the medical bills, car repairs and other damages that you caused in an accident. Once the insurance company pays out the limits of your policy, you're liable for the rest, which is why it's advisable to purchase higher limits than what your state requires. Auto liability coverage has three parts: bodily injury per person, bodily injury per accident, and property damage. Limits for liability are usually written like "20/40/10." That means a policy will pay bodily injury losses up to $20,000 per person, and up to $40,000 per accident (if more than one person was hurt). It will also pay property damage losses up to $10,000 per accident.

Auto medical payments coverage pays medical and funeral expenses for you and your passengers when you're involved in an auto accident. You're also covered as a pedestrian or bicyclist. If you already have health and disability insurance, the coverage may be redundant.

Insures against loss resulting from damage to an auto owned by the insured; also provides coverage if the car is stolen.

An integrated system of underground and overhead piping connected to sprinkler heads which are activated at relatively low temperatures for the purpose of extinguishing a fire or preventing it from spreading.