We know that public service employees are some of the most conscientious drivers around. California Casualty offers a wide range of insurance solutions tailored to meet your specific insurance needs.

Here is a summary of some of the benefits and coverages we offer. In the case of any loss, the policy terms and conditions will apply.

 

 

 

Your policy provides the same level of coverage for anyone driving your vehicle with your permission except named drivers excluded from coverage where allowed by state and Company. It also covers you while driving most other cars not owned by you or you family members, including borrowed or rented vehicles of the same type.

 

Claims representatives are available 24 hours a day to handle claims.

 

With the purchase of Other Than Collision (formerly known as Comprehensive) coverage, theft of personal property from your vehicle, whether locked or unlocked, is covered up to $500 subject to your deductible.

 

With reasonable additional premiums, you can get several valuable coverages and services, including emergency towing and roadside assistance.

 

With the purchase of Towing and Labor Costs coverage, you can use our Express Service, which provides emergency roadside assistance 24 hours a day in all 50 States and Canada, for help with towing, tire change, battery service and more.

 

We insure more than just automobiles. See the Insuring Other Vehicles section below for information about other vehicle insurance we offer. Please note that you should call us immediately when you purchase another auto or vehicle, since we will need to add it to your existing policy or issue you a new policy.

 

 

 

These coverages pay for bodily injury to others (Bodily Injury Liability) and for damage to the property of others (Property Damage Liability) caused by an automobile accident, for which you are legally liable. These coverages are mandatory in almost every state.  

 

This coverage pays for medical and funeral expenses incurred in an auto accident, regardless of fault.  It will also cover injuries sustained by passengers in your car, or while you're operating someone else's car (with their permission), in addition to injuries you or your family members incur when you are pedestrians. This coverage is optional in most states. In some states, a more complex coverage called Personal Injury Protection coverage is offered instead of Medical Payments coverage.

 

 

These coverages pay for bodily injury to you or your passengers caused by another person who is legally responsible for the accident, but who either has no liability insurance (uninsured) or who has inadequate insurance to pay for your injuries (underinsured). In some states these are combined into a single coverage, and may include coverage for damage to your property. 

 

Other Than Collision 

This coverage pays for loss of or damage to a covered motor vehicle by theft, fire, vandalism, glass breakage or collision with a bird or animal. The amount paid is subject to the deductible you choose. This coverage is optional, but is also required by most auto lenders.

 

Towing and Labor Costs 

This optional coverage provides reimbursement for towing your disabled vehicle to the nearest place of repair. It also pays for on-site labor costs for lockout service, emergency gas, a jump start, or tire change to get you back on the road where possible. This coverage is optional. 

 

Optional Limits Transportation Expenses 

If you carry Collision and Other Than Collision coverages, your policy automatically includes basic coverage for temporary transportation expenses you incur when your covered auto is being repaired due to a covered loss. This optional coverage allows you to increase that coverage to a higher amount per day, so that you can rent a larger, more comfortable car if yours is being repaired due to a covered loss.

 

This optional coverage (sometimes referred to as “gap” coverage) pays off any remaining loan or lease obligation you have on a vehicle that is a total loss, where the actual cash value of the vehicle is less than your remaining financial obligation.

 

This optional coverage is available for non-factory audio, visual and data equipment.

 

 

 

Here are some of the vehicles we can insure beyond your auto. Please click on the links below for more information or ask a California Casualty Representative.