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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.
Benefits Include:
Broad Policy Protection
Your policy provides the same level of coverage for anyone driving your motorcycle with your permission except named drivers excluded from coverage.
24–Hour Emergency Claims Service
Claims representatives are available 24 hours a day to handle claims.
Personal Property Coverage
With the purchase of Other Than Collision (formerly known as Comprehensive) coverage, theft of personal property from your motorcycle is covered up to $500 subject to your deductible.
Motorcycle Coverages Available:
Liability Coverages
These coverages pay for bodily injury to others (Bodily Injury Liability) and for damage to the property of others (Property Damage Liability) caused by a motorcycle accident, for which you are legally liable. These coverages are mandatory in almost every state.
Medical Payments Coverage
This coverage pays for medical and funeral expenses incurred in an auto accident, regardless of fault. This coverage is optional in some states. In some states, a more complex coverage called Personal Injury Protection coverage is offered instead of Medical Payments coverage.
Uninsured and Underinsured Motorists Coverages
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.
Collision
This coverage pays for physical damage to a covered motorcycle caused by collision of that vehicle with another object or by upset of the vehicle. The amount paid is subject to the deductible you choose. This coverage is optional, but is required by most lenders.
Other Than Collision
This coverage pays for loss of or damage to a covered motorcycle 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 lenders.
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 motorcycle is being repaired due to a covered loss.
Excess Electrical Equipment
This optional coverage is available for non-factory audio, visual and data equipment.
