Reviews

Review Details

• Review fromNorm B

  Date: 10/01/2024

  1 star

  Norm B

  Date: 10/01/2024

  California Casualty pulled out of my state, leaving me without any coverage as of 8/29. Yes, they did inform me in a timely fashion and I got coverage for my auto insurance. But, because of a $25 claim for aerial photography of possible roof damage, I can't get home insurance except through the Ohio Fair Plan, despite my having rescinded my claim and having sent a letter of claim withdrawal to the broker trying to find me insurance. One claim for $1200 dollars and a rescinded claim with a $25 dollar charge against my policy attached and I don't have access to commercial home insurance. We had signed on with them as members of the ******************************. Within the last two years, *** had dropped them as our discounted carrier and now I have personally experienced why. That, and their roof replacement policy of Actual Cash Value adopted in 2021 makes them a fly-by-night carrier at best. The fact that they have completely stopped all coverage in **** says even more about the integrity of their company, and the integrity of an industry that charges you premiums, and then punishes you for using the product you are paying for. No one in **** will ever have to worry about using them again, but if you live in a state where they are available, let the buyer beware. This isn't a case of getting what you pay for, but rather the opposite. You don't get any value for what you are paying for. Because if you do try to use their product, the outcome is negative in the long term.
  

  California Casualty

  Date: 10/04/2024

  California Casualty values our customers and takes any customer concern seriously. I spoke with the insured on 10/04/2024 and confirmed the expense payment reported to CLUE was revised as an indemnity payment to clear the record. We also addressed the proper handling of an additional claim and agreed to provide the insured with a letter of experience to assist him in obtaining coverage. California Casualty made a business decision to exit the property line of business in his state for economic and business reasons. The state's *********************** approved this decision, and a letter was mailed to the insured on 7/16/2024 advising that coverage would end on 9/29/2024. The insured is satisfied with the resolution of the complaint and has nothing further to bring forward.

• Review fromDr Marcel M v

  Date: 08/16/2024

  1 star

  Dr Marcel M v

  Date: 08/16/2024

  I sent a minimum of 4 messages **************** messages) after I had a minor accident in December 2023, requesting assistance. It was my first fender ****** c.q. accident in over 35 years. It took 2 months for the assigned CA Casualty *** to contact me! Leaving me to solve all the issues by myself and through the other driver's insurance company: X** XXX's ***s contacted me many times during that time span. CA Casualty: zero ***lies! After 2 months, my designated CA Casualty's *** informed me I was not a fault. However, 6 months later, when I received my annual renewal quote, the price had doubled. When I called CA Casualty, I was told because of my at fault designation. I was never informed about this change! To the contrary: my designated CA Casualty *** had told me it was NOT my fault. This CA Casualty *** had even told me that my videos were not necessary since my PDF ***resentation of the accident sufficed to establish that I was NOT at fault. So apparently this went to an arbitration party that made a decision without CA Casualty having all the relevant information from me. Nor informing ***** Casualty has a very, very poor customer relationship.
  

  California Casualty

  Date: 08/21/2024

  Dear BBB,

  
  I am in receipt of the complaint filed by ****************. Thank you for bringing this matter to our
  attention. California Casualty treats any complaint very seriously. By introduction I am claims team
  manager with California Casualty. I have thoroughly reviewed the claim and contacting **************** to
  discuss her concerns directly.

  
  This loss occurred on 3/9/2024 when our insured made contact with Ms. ******* unoccupied vehicle
  in a low-speed parking lot collision. The impact to Ms. ******* ********************************
  $1,532.82 of cosmetic damage only to the rear bumper and decklid. **************** indicated to her
  adjuster that she wanted to pursue a claim for diminished value. **************** claims that California
  Casualty has been avoided her attempts to pursue a diminished value claim. However, California
  Casualtys adjuster was aware of Ms. ******* request and had our material damage department review
  her claim for diminished value. **************** was sent a denial letter regarding her diminished value
  claim on 5/31/2024.

  
  Our material damage department has reviewed Ms. ******* damage and request for diminished value.
  The estimate and photos to Ms. ******* vehicle reflect very minor cosmetic damage, there was no
  structural damage to the vehicle. Based on this information our conclusion is that no diminished value
  claim is warranted for this minor of damage. Contrary to what **************** claims this collision is not
  listed on any Carfax report.Geicos statement indicates they were the lead vehicle and that ****** forced themselves to Geicos right and
  CalCas left side contacted Geicos right side. Geico had their wheels turned right and CalCas didnt stop and
  struck Geico by attempting to squeeze by ***** who was stopped at the time of impact.

  
  CalCas statement indicates Geico had not directionals flashing and CalCas assumed Geico would turn left and
  CalCas pulled up on Geicos right side and stopped and Geico sideswiped CalCas left front.
  CalCas made the assumption that Geico was turning left even through CalCas states Geico had no directional
  activated. CalCas is found to be the sole cause of the loss for improper passing
  Based on the final arbitration decision ***** was awarded and California Casualty had to pay the other parties
  claim. Once payment is made, the at fault coding is changed and the accident reflects an at fault accident on the
  complainants record. In speaking with the complainant regarding his concerns he feels that California Casualty
  not obtaining video footage he had contributed to us not prevailing in arbitration. The complainant provided me
  the video and I reviewed it. The video is only a video of the intersection, not the loss itself. The video does show
  that while two cars can fit at the intersection it is only a one lane road. When we presented our evidence in
  arbitration, we provided ****** map photos of the intersection which provided the same evidence that was in
  the video. That being said, what was in the video would not have supported our case any more than the photos
  and would not have changed the outcome of the arbitration decision.

  
  The loss occurred on 12/9/2023. The complainant reported the loss to us on 12/15/2023 indicating that *****
  had placed him at fault, and he didnt agree. He also indicated that he was going to be out of the country for
  several months and would only be available via email. Our adjuster emailed the complainant on 12/18/2023. In
  speaking with the complainant, I apologized if he experienced any communication problems with his adjuster.
  The complainant did not carry first party collision coverage, so California Casualty was unable to assist the
  complainant with his vehicle repairs.

  
  California Casualty cannot force Geico to accept liability. California Casualty supported the complainants version
  of the loss, and we denied liability to Geico. We presented our case to support our liability decision in arbitration
  but unfortunately, we did not prevail. Although I understand the complainants frustration feeling that he is not
  at fault, the arbitration decision is binding and cannot be disputed or reversed. This results in the complainant
  being placed at fault for the collision. On 8/7/24 I contacted the complainant directly to return his voicemail
  regarding his concerns. Although the complainant was not satisfied with the end result, I feel that I had
  thoroughly explained our position and why.

• Review fromMelinda D

  Date: 08/14/2024

  5 stars

  Melinda D

  Date: 08/14/2024

  I have used them for over 10 years. I needed them for 1 auto claim and no hone claims. They have been great with my auto claim. When all the other insurance companies are dropping people or tripling premiums in California, California Casualty has kept their price fair and always is great with quickly answering questions or amending policies
  

  California Casualty

  Date: 08/16/2024

  Thank you so much for taking the time to let us know about your claim and service experience. It is nice to hear from a customer that our staff at ******************** have done a good job handling your concerns. We work very hard to try to create this experience for all our customers so that people feel there is great value in being insured by California Casualty. You place your trust in us that we will deliver for you when you need us most. Thank you for being insured with us. I hope that we can meet your expectations of great service each time you have a need to contact us.

• Review fromTerri C

  Date: 08/14/2024

  1 star

  Terri C

  Date: 08/14/2024

  Stay away!!! One star is too many for this company. After 20+ years of paying car and home insurance premiums and only filing one hail claim on my vehicle over four years ago, my car was totaled by a drunk driver. When I had problems getting the other party's insurance to accept liability and issue a rental, I was told to contact my insurance company as they were supposed to work with the at-fault insurance company and then subrogate them later. When I called California Casualty, I was told that because I only had liability insurance, they couldn't help me - and they didn't (not sure that's even legal). Needed insurance immediately on my new car which, of course, was outrageously expensive. Needless to say, I switched insurance companies and cut my premiums nearly in half - and know they will work on my behalf if ever needed. Just want others to know this company does not have integrity and will not have your back when you need them.
  

  California Casualty

  Date: 08/19/2024

  We take any customer concern seriously. On June 2, 2024, the client contacted California Casualty after her vehicle was involved in an accident. After reviewing the customer’s policy, we informed her that her coverage did not include Collision for the vehicle involved. As a result, we were unable to assist with repairs or provide a rental vehicle under your current policy. As a courtesy to the customer, a call was placed to the at-fault carrier to help her in obtaining a rental vehicle.
  
  California Casualty has been in business for more than 100 years and is committed to providing excellent customer service and acting with integrity. We understand your concerns about the increase in your policy premium after adding a new vehicle. The cost of auto insurance can fluctuate based on several factors, including the specific details of the vehicle and its history, such as any prior accidents. Additionally, just as inflation is impacting consumers across the country, it is also affecting California Casualty. As a result, we’ve found it necessary to file for rate increases that are commensurate with these economic changes. We can confirm that all rates are filed and approved by the state of Colorado.

• Review fromJanet B

  Date: 07/16/2024

  1 star

  Janet B

  Date: 07/16/2024

  This company uses really bad and deceitful tactics when they issue a renewal. They blindly increase your annual mileage so that they can increase rates. They state they use a proprietary method of calculating the mileage. Well, for 2 years they have double my mileage with out any reasonable proof. There is nothing showing the mileage increase and for retired seniors, it is unlikely that in most cases that would ever happen. They are preying on seniors to increase the rates. My husband does all our maintenance so we have no invoice from a repair person showing mileage. Each year I have to drive both vehicles to a service center and ask for a quote on a service that will never be done, in order to satisfy their requirements. They make no allowances for customers who do their own work. They do not allow a photo of your odometer like most companies. Their method of blindly increasing mileage and then making it difficult to correct should not be allowed as it is a deceitful practice. They also use firefighters, of which my husband once was, as a tool to get more business while the do not really value them as customers.
  

  California Casualty

  Date: 07/18/2024

  California Casualty has been in business for more than 100 years and is committed to providing excellent customer service and acting with integrity. We would like to start by thanking this customer for their time insuring with ********************.******************** uses an Automated Verified Mileage Program that has been filed with, and approved by, the California ********** of ********** Vehicle mileage is not blindly changed but is verified through a third-party vendor. The program is utilized on all auto policies and does not target seniors. Additionally, the policy renewal packet sent to customers contains information about the **********************, including the process to change the mileage assigned to the vehicles. This customer reached out to **************** regarding the mileage assigned to their vehicles and was sent a reply advising them to supply the necessary documentation in order to change the mileage. The Company is unable to provide personal information on a public forum, however if the consumer would like to further discuss the Automated Verified Mileage process, we would encourage them to contact the **************** ********** at ************************** thanks you for the opportunity to address this concern.

• Review fromDaniel R

  Date: 05/21/2024

  1 star

  Daniel R

  Date: 05/21/2024

  I was recommended this company by the *** when shopping around for cheaper auto and renters insurance. I really wish I hadnt dropped my previous provider.Signing up with Cal Casualty was a breeze. The insurance rep was exceedingly kind and helpful. I ended up saving about $45 a month so making the change was a no brainer.I enrolled in auto pay and everything was fine for about a yearuntil it wasnt. Apparently, one of my payments didnt go through. I had thousands in the bank so this was highly confusing. My bank said it was on Cal Casualtys end. Of course Cal Casualty said the opposite. By the time I realized it, my coverage had lapsed. Now, should I have done a better job making sure this was being paid monthly? Yes. I should have. However, if youve ever been enrolled in auto pay, you know how easy it is to set it up and forget. When I went to correct it, I was given a big guilt trip by multiple people. No one apologized for the mistake on their end. I was unable to resume coverage and had to complete the process of a writing a new policy all over again. This time however, my policy was about $300 more a year. In addition, they would not give me a renters policy.I am convinced that this auto pay failure is a result of this company finding a loophole to drop customers as insurance companies leave **. One of the worst experiences Ive ever had with an insurance company. Would never recommend to anyone I care about. Maybe a terrible enemy.
  

  California Casualty

  Date: 05/29/2024

  California Casualty has been in business for more than 100 years and is committed to providing excellent customer service and acting with integrity. On 09/05/2023, the Company sent the consumer a notice to alert them that their bank was unable to process the automatic deduction that was scheduled for 09/05/2023. On 09/07/2023, the Company sent the consumer a Notice of Cancellation which would take effect on 09/27/2023 at 12:01 AM if a payment was not received. When a payment was not received, the policy cancelled for non-payment.All notices were mailed according to state legal notice guidelines, and time was provided for the consumer to make a replacement payment prior to the cancellation. The policy has now been rewritten and is currently active. California Casualty remains an active insurer in California. We encourage the consumer to contact the Company at ************** to get a quote for a renters policy. The Company thanks you for the opportunity to address this concern.

• Review fromShirley W

  Date: 05/17/2024

  1 star

  Shirley W

  Date: 05/17/2024

  This company is the worst insurance company that I have ever come across! The representative of this company removed my collision coverage that I didnt find out was removed until after my parked car was hit and I needed to use the coverage, The employees would not investigate, I can never speak to a supervisor or manager, they deemed my car a total loss since April and I havent been able to reach anyone at that business since. My lien holder has not been payed and I cant even get an update from California Casualty. The worst, frustrating experience that I have ever dealt with and I wasnt at fault or even in my car when it got hit.
  

  California Casualty

  Date: 05/21/2024

  Thank you for bringing this matter to our attention. California Casualty treats any such concern very seriously. I welcome this opportunity to address the events of this matter. I can assure you that your claim was thoroughly investigated; we verified your personal request to remove collision coverage from the policy; and that guidelines were then followed to add uninsured motorist property damage coverage (UMPD). The coverage review process was explained to you by the Investigating adjuster and then reiterated as being under review during conversation with the Total Loss adjuster. Once the coverage investigation was completed, the Total Loss adjuster issued payment to the lienholder for the full UMPD policy limit; we elected to waive the storage charges and UMPD deductible from your policy limit in order to give you the best benefit of the coverage. Our sincere apologies for any difficulties you experienced in reaching our staff. I noticed that you spoke with another team member in the Total Loss on the date of your complaint and received a full explanation of the above referenced information as well. Payments have cleared and written notices have been received clarifying the final disposition.

• Review fromBev B

  Date: 04/19/2024

  1 star

  Bev B

  Date: 04/19/2024

  After years of no claims on my home, car and motorcycles I had a minor accident. My auto insurance went from $106 a month to $260 a month!! To add salt to the wound they raised my homewoners insurance as well! It went up over $300 a year! What is WRONG with these people! AND they say they are there for teachers...They are GREEDY and taking advantage of folks. For the record, I am well into adulthood so age was not a factor here. And again - ZERO claims with this comapny EVER and they raise both my home and my auto.
  

  California Casualty

  Date: 04/23/2024

  California Casualty has been in business for more than 100 years and is committed to providing excellent customer service and acting with integrity. Regarding the concern with a recent policy premium increase, we understand your concerns about rising insurance costs. Unfortunately, just as inflation is impacting consumers across the country, it is also affecting California Casualty. As a result, weve found it necessary to file for rate increases that are commensurate with these economic changes. Furthermore, we can confirm that all rates are filed and approved by the state of California. While we are so appreciative of our Teachers, we also must apply our filed rates fairly to all policyholders. We thank you for the opportunity to address this concern.

• Review fromRic L

  Date: 04/15/2024

  5 stars

  Ric L

  Date: 04/15/2024

  awesome company! would use them for life... my mortgage company suggested I find a different company and I am fighting it trying like h*** to stick with CalCas.
  

  California Casualty

  Date: 04/19/2024

  While you are no longer insured with California Casualty for your ********************* we appreciate your loyalty, and we are happy that we are still able to provide you with *************** Thank you for your positive review.

• Review fromSarah F

  Date: 03/29/2024

  1 star

  Sarah F

  Date: 03/29/2024

  I had a minor accident recently that left me not able to drive my vehicle until it is repaired. I made the report on Sunday and received an email from my "adjustor" within a few hours. I called numerous times to get an update of what to do next before my car would be towed from where it was stuck. The adjustor in the email NEVER answered my calls or emailed me back. I finally called customer service and they told me that I had been assigned to a different adjustor. It would have been nice to know or have the original person answer to let me know. I was transferred by CS to my new adjustor who seemed to be nice and understanding of the situation. I come to find out from my husband that they are towing my car to a completely different state farther away to "access" the damage and they mentioned possibly totaling it out because of a radiator!?!?! I have since tried to call numerous times again and also email to get an update to why it isn't being towed to my state and what I would need to do if it is actually totaled out like if I now need to go to that state to clean it out. I am a high risk pregnancy and already stressed as h*** about the issue which this is creating a TON of additional stress and anxiety for me. ALL I WANT IS A FREAKING RESPONSE!!!!
  

  California Casualty

  Date: 04/02/2024

  I spoke with our insured this afternoon and apologized for the delays and confusion around her claim. The vehicle was initially incorrectly identified as a total loss. The vehicle is repairable. *** updated her on the status of her claim, explained the next steps, and made arrangements for the repairs and rental. She thanked me for the update. The issue is resolved at this time.