California Casualty Insurance Review & Complaints: Auto & Home Insurance (2024)

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California Casualty is a personal insurance company offering a range of products including auto insurance and home insurance. They have a particular focus on affinity groups, specifically first responders, educators, and medical professionals, among others.

What is California Casualty?

California Casualty was founded in 1914 and originally wrote worker’s compensation insurance. They expanded into the vehicle insurance market early, in 1917, when cars were still a novelty to many. Two decades later, they added home insurance to the lineup.

In 1951 the company began its first affinity program with the endorsement of the California Teacher’s Association. Today they have more than 100 affinity programs in place, including firefighters and police groups, medical centers, and universities. The company’s official categories are:

• Educators and Education Support Professionals
• Higher Education Employees
• Firefighters and EMS
• Peace Officers
• Nurses and Nurse Practitioners

Today the company operates as a group of companies under the name California Casualty Group and operates in most states across the nation, with car insurance available in all states except Alaska, Hawaii, Massachusetts, Michigan, New York, and Wisconsin. Other products are available in a slightly smaller number of states. Their headquarters is located in San Mateo, CA.

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What products does California Casualty offer?

California Casualty writes auto as well as several specialty vehicle policies, home, and a handful of other products.

Auto Insurance

California Casualty has a robust car insurance program with a lot of added auto insurance benefits, some of which are specific to affinity groups.

In addition to the basics – liability, personal injury protection, comprehensive coverage, and collision coverage – they include things like pet injury protection, personal property coverage, and custom equipment coverage. Add-on benefits include roadside assistance.

For educators, they offer sabbatical return benefits and a foreign exchange program option.

First responders can take advantage of turnout gear and firearm coverage options, as well as a fallen hero survivor benefit for the family of an officer or firefighter killed in the line of duty.

Nurses, public safety professionals, and educators can also take advantage of the deductible waiver option.

The list of auto insurance discounts includes standard choices like a multi-policy discount, good student, college graduate, and mature driver.

California Casualty also insures motorcycles, mopeds, RVs, snowmobiles, antique and classic cars, and more specialty vehicles.

For customers traveling to Mexico, where a U.S. auto insurance policy does not carry over, the company also writes Mexican auto insurance policies for temporary coverage.

Home Insurance

Like the auto insurance program California Casualty’s home insurance package provides several benefits on top of the basics. These include lost luggage coverage, credit card fraud protection, and zero deductible on loss of use claims.

Specific insurance coverages offered to educators include coverage for up to $3,000 in teaching materials and equipment, coverage for theft of fund-raising cash and goods, educator’s excess liability, and a survivor benefit for school violence victims.

For firefighters and peace officers, extra benefits are coverage for turnout gear and firearms, personally owned uniform coverage, and a survivor benefit.

Like the auto program, their homeowners insurance policies have a range of available discounts including common choices like protective systems and multi-policy.

In addition to standard homeowner’s package policies, California Casualty also has policies for renters, mobile homes, and condos.

Other Insurance Products

California Casualty offers two additional property insurance options: flood insurance and earthquake coverage. They also write personal umbrella policies.

Pet health insurance is offered but is underwritten by Pets Best through an affiliation, and not by any of the group of companies directly.

Are the rates competitive?

California Casualty offers online quoting for both auto and home insurance. As part of the process, visitors will be required to select the category to which they belong and of which association they are a member, as well as entering personal information.

Based on our sample rate quote, California Casualty’s rates are well below the average. We ran a sample for an educator who is a single male and 30 years old, with a 2010 Honda Accord and a clean record. Our rate, for full coverage and higher-than-minimum coverage, came back at $110 a month. That is for a 12-month policy, which means the monthly rate is locked in for longer than most companies offer.

The California Department of Insurance’s premium comparison chart puts California Casualty among the lowest-priced options. Their rates beat all of the big-name insurance companies operating in the state.

California Casualty Claims Process

Ease of Filing a Claim

California Casualty Insurance offers multiple ways for customers to file a claim, ensuring convenience. You can file a claim online through their website, over the phone via their 24/7 toll-free claims line, or by using their mobile app. This flexibility allows customers to choose the method that best suits their preferences and needs.

Average Claim Processing Time

The average claim processing time is a crucial factor for insurance customers. While specific processing times may vary depending on the nature and complexity of the claim, California Casualty Insurance strives to provide efficient claim processing. Customers can expect timely responses and resolutions to their claims, helping them get back on track after an incident.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is essential in evaluating an insurance company’s performance. California Casualty Insurance has received positive reviews for its claim resolutions and payouts.

Customers appreciate the company’s willingness to assist and their commitment to delivering fair and timely settlements. While there may be occasional complaints, the overall sentiment regarding claim resolutions is positive.

Digital and Technological Features of California Casualty

Mobile App Features and Functionality

California Casualty Insurance offers a user-friendly mobile app that provides customers with convenient access to their insurance policies and claims. The app allows users to view policy details, file claims, track the status of existing claims, and even request roadside assistance. The intuitive interface and useful features make managing insurance on the go hassle-free.

Online Account Management Capabilities

Customers can easily manage their insurance policies and accounts through California Casualty Insurance’s online platform. This digital portal enables policyholders to update personal information, review policy documents, make payments, and access important insurance resources.

The online account management system simplifies the insurance experience, putting control in the hands of the customer.

Digital Tools and Resources

In addition to the mobile app and online account management, California Casualty Insurance provides a range of digital tools and resources to support their customers. These resources may include educational materials, FAQs, and calculators to help customers make informed decisions about their insurance coverage.

The company’s commitment to leveraging technology enhances the overall customer experience. California Casualty Insurance combines ease of claims processing with a suite of digital and technological features to offer a comprehensive and customer-centric insurance experience.

Whether you need to file a claim or manage your policy online, the company strives to provide the tools and resources you need for a smooth and efficient insurance journey.

Are the ratings and consumer reviews positive?

California Casualty Group has been Better Business Bureau (BBB) accredited since 2011. They currently have an A+ rating with only eight complaints on file in the past three years. The three reviews on the site all have detailed responses from the company, and we see nothing of major concern there.

There are 76 reviews of the company on Yelp, with an overall 1.5-star rating. The complaints center on poor customer service and slow claims handling. Several are not from California Casualty customers but from those involved in an accident with an insured, others are complaints from people who were not happy with the quoting process. There are also some positive reviews mixed in with the negative.

The complaint volume is not particularly high overall.

What’s the bottom line?

California Casualty has reasonable rates for its target market. If you are part of one of their affinity groups, it is worth getting a quote to compare to your current coverage. They have solid insurance programs with extras included that may make it worth the switch even if their rate is not better than what you are currently paying.

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