by California Casualty | Peace Officers |

I think we can all admit that one time or another we’ve been in a hurry and exceeded the speed limit. Sure, it’s not safe, it depletes your gas mileage and you could get a stopped by an officer. And, when it happens your heart is pounding and you are nervous, but apparently you can get out of being cited with a good story. While we don’t condone going over the speed limit, here are some of the best stories to avoid a ticket we’ve heard:
- A father said he was late picking up his daughter from school and didn’t want her waiting there alone
- A wife explained she was mad at her husband and was practicing what she would say when she got home; the more she thought about it, the madder she got and the faster she drove – the patrolman let her go with a warning (glad he wasn’t the husband)
- A grandmother who explained she was rushing home before the ice cream she had just bought at the store melted
- A driver who explained he was speeding up to read the license plate of the vehicle in front of his because the driver had thrown a beer bottle out the window
- A woman who claimed she spilled her M&Ms and didn’t realize how fast she was going as she tried picking them up – the officer let her go after she offered him one
- A woman who told an officer she was trying to keep up with traffic; he noted there was no traffic she replied that’s how far behind she was (creativity does work sometimes)
- Doctors, nurses and hospital workers who claim they are on the way to an emergency
Now keep in mind, no matter how creative you are, getting a moving violation can endanger you and others, and may affect your auto insurance rates. The best course of action is to follow the rules of the road and capitalize on your good driving record.
There’s really no good excuse for not having adequate insurance. A California Casualty advisor can provide you with a policy review to make sure you are getting the best rate and the discounts you deserve at 1.800.800.9410 or at www.calcas.com. Oh, and be careful out there and look out for the other driver who is still working on their excuse. And if you’ve heard of a good one that worked, or have been the recipient of one, let us know.
Sources for this article:
https://www.dailyfinance.com/photos/best-traffic-ticket-excuses/?photo=2#!fullscreen&slide=985217
https://www.dmv.org/articles/top-traffic-ticket-excuses/
https://policelink.monster.com/topics/34048-traffic-violation-excuses/posts
https://www.consumerreports.org/cro/news/2013/04/top-10-excuses-for-speeding/index.htm
by California Casualty | Firefighters, News |

We’ve often wondered how they do it. We are talking about cooking for the crew at a fire station. Think about it; it’s hard enough preparing food for a family, but it’s even harder for a couple dozen men and women who might have to bolt at a moment’s notice. Any firehouse cook knows preparation and cooking time has to be easy, the meal nutritious, and it must be as good later that day or night as it was fresh out of the oven. We are not talking about the typical “5 Alarm Chili,” but quick, healthy meals that will nourish men and women in a physically and mentally demanding job.
While there are myriad recipe sites, we culled (we wish we could have tasted) through a half dozen to come up with these top 10 Firehouse Recipes:
- Ross Signorino’s “Rossome Ribs” (winner of Live with Regis and Kelly’s Coast to Coast Firehouse Cook-off), https://www.bhg.com/recipe/pork/rossome-ribs-firehouse-cook-off-winner/
- Runner up Tara Daniels’ “Smokin’ Pear Salad,” https://safesidesecurity.blogspot.com/2010/09/woodland-firefighter-tara-daniels.html
- Fettuccine with Ham and Chicken (submitted to thefirestations.com recipe page by Lake Jackson Volunteer Fire Department Chief Eileen Williams), https://thefirestations.com/recipe.htm
- Chief 53 Salad, also submitted to thefirestations.com recipe page by Snohomish County Fire Dist. #26’s Linda Larson, https://thefirestations.com/recipe.htm
- Mexican Lasagna from FireRecruit.com’s recipe page, https://www.firerecruit.com/kitchen/courses/810803-Mexican-Lasagna
- Firehouse Special Recipe submitted to TasteofHome.com recipe section by Darrell Alvord, https://www.tasteofhome.com/recipes/the-firehouse-special
- Firehouse Sweet Potato Hash on Yummly, https://www.yummly.com/recipe/Firehouse-Sweet-Potato-Hash-1040158?columns=6&position=1%2F8
- Italian Wedding Soup-Firehouse Style, also on Yummly, https://www.yummly.com/recipe/Italian-Wedding-Soup-Firehouse-Style-Recipezaar?columns=6&position=6%2F8
- Dan’s Smoky Vegetarian Chili submitted to Firehouse-cooking.com by Lt. Dan Chieffo of the Waterbury, CT Fire Department, https://www.firehouse-cooking.com/firehousecookingsitepages/recipearchive.html
- West Coast Jambalaya, submitted to FireRecruit.com by Capt. Mike Martinez, https://www.firerecruit.com/kitchen/courses/586887-West-Coast-Jambalaya
California Casualty understands that fire personnel work hard to protect their communities. That’s why we created the Work Hard/Play Hard contest, where one lucky first responder will win a custom Harley-Davidson FLHP Road King or $25,000. Don’t miss your chance; the entry deadline is October 7, 2015 with a winner announced later that month. The complete rules and entry form can be found at www.gocalcas.com/harley.
Auto and home insurance isn’t something that should wreck your appetite – contact a California Casualty advisor today to learn about quality insurance designed for firefighters with exclusive benefits not available to the general public. Call today for a policy review or comparison at 1.800.800.9410 or visit www.calcas.com/FireFighters.
by California Casualty | Auto Insurance Info, Homeowners Insurance Info |

Odds are you know someone who is getting married this summer. Now through September is when the majority of weddings take place each year in the U.S. While it’s a time of joy and dreams of the future, there are many important decisions: how many people to invite, is there a need for a wedding planner, who will cater the meal and what about entertainment. Once the rings are exchanged and the honeymoon is over, there’s another important step – getting your auto and home insurance in order. Here’s a checklist for newlyweds.
- Combine Your Insurance
If you both have separate cars with different insurance companies, now that you are married you can find discounts by putting both vehicles on the same policy. It will also ensure that both drivers are covered no matter which car they use. Get extra savings by bundling your autos with your home or renters insurance.
- Marriage Discount
Make sure to inform your insurance company that you got married – most auto and home insurance companies offer important discounts for newlyweds. Men under the age of 25 are usually considered high risk drivers. However, once they marry they often see a big drop in insurance premiums. The lower rates can also apply to those in domestic partnerships.
- Increase Homeowner or Renters Coverage
Wedding presents are wonderful. You now have a new set of china, expensive new appliances and other things for your home. These assets need to be covered. Talk to an insurance advisor to make sure you have enough coverage to protect all the things you own and to increase your liability protection. It’s also a great time to create an inventory of all the things you own to help you purchase the right insurance protection and make filing a claim much easier.
- Get Extra Protection for High Value Items
That beautiful new wedding ring and special gifts like fine art or silverware may need scheduled personal property protection, often called a “floater,” to make sure they are covered for their full value. Most homeowners and renters policies will provide limited coverage for those items. Scheduled personal property coverage will also pay to replace a ring, without a deductible, even if it was misplaced or damaged in the disposal.
Just like marriage, California Casualty is a committed partner in helping with your auto and home insurance needs. Don’t go it alone, contact a California Casualty advisor today for a free quote or no hassle policy review at 1.800.800.9410 or visit www.calcas.com.
Resources for this article:
https://www.knowyourstuff.org
by California Casualty | Safety |

There’s nothing like a cool dip in a pool on a hot summer day, but calm waters can be dangerous for children. The Consumer Protection Safety Commission (CPSC) reports that nearly 400 children under the age of fifteen drown every year in a pool or spa. Unfortunately, the 4th of July traditionally sees an increase in the number of pool and spa drownings.
Teaching kids to swim and maintaining proper supervision are essential in preventing water tragedies. The CPSC has teamed up with USA Swimming for a concerted pool safety campaign. “Pool Safely” offers these top 10 stay safe tips around pools and spas:
- Never leave children unattended near a pool or spa and watch them at all times
- Teach children basic water safety
- If a child is missing look for him or her in the pool or spa first
- Keep kids away from pool drains, pipes and other openings that could trap them
- Make sure any pool or spa you use has drain covers that comply with federal standards
- Lean how to swim and teach your children to swim
- Learn CPR for children and adults
- Install a four-foot or taller fence around the perimeter of pools and spas and use self-closing and self-latching gates – ask your neighbors to do the same if they have pools
- Install and use a locking safety cover on your spa
- Have lifesaving equipment such as life rings, floats and a reaching pole available and easily accessible
Keep in mind that air filled or foam toys are not water safety devices.
Some excellent learn to swim programs can be found at SwimAmerica, your local YMCA or at the American Red Cross.
There are insurance implications for those with pools. Having one is considered an “attractive nuisance,” increasing liability risk. Most companies will require it be completely fenced with a locking gate. Many companies will not cover liability from diving boards or slides, and some companies may disqualify you for homeowner insurance. Because of the increased danger, the Insurance Information Institute says pool owners may want to increase their liability coverage to at least $300,000 or $500,000.
If you have a pool, make sure you have sufficient liability coverage from your homeowner’s insurance. Call a California Casualty advisor today for a policy review, 1.800.800.9410 or visit www.calcas.com.
Sources for this article:
https://www.cpsc.gov/en/Newsroom/News-Releases/2014/A-Call-to-Action-Parents-and-Children-Need-to-Learn-to-Swim-and-Pool-Safely-during-the-July-4th-Holiday/
https://www.poolsafely.gov/
https://www.iii.org/press-release/before-taking-a-dip-in-the-swimming-pool-consider-the-insurance-and-safety-implications-080111
https://www.swimamerica.org/TabGeneric.jsp?_tabid_=47206&team=sa
https://www.ymca.net/swim-sports-play
https://www.redcross.org/take-a-class/program-highlights/swimming
by California Casualty | Firefighters |
Tim Casey describes himself as, “a retired firefighter/paramedic, author, lecturer, public speaker and an alcoholic. As a public servant for more than 30 years, I know the hero business from the inside out, and I also know the costs of that profession; the human cost. My passion is trying to help save the lives of lifesavers. Firefighters are dying in record numbers, not on the job but by their own hands. Clinicians and therapists, although well intentioned, do not know how to help emergency workers and I want to help them understand us, and maybe save some lives along the way.
Chief Jeff Dill of the Palatine Rural Fire Protection District in suburban Chicago is a friend of mine and endless source of hope and dedication. I have lectured with him at firefighter conventions.
Because Dill is a nationally recognized authority on behavioral health issues within the fire service. He established Counseling Services for Fire Fighters, LLC based on the tragic events that surrounded Hurricane Katrina. When speaking with firefighters who returned after serving the community of New Orleans, Jeff heard the pleas of firefighters who had a difficult time talking with counselors who did not have any firefighting experience. They became frustrated and never did seek the help they needed. The Firefighter Behavioral Health Alliance (FBHA) 501(c) (3) organization was established to directly educate firefighters/ Emergency Medical Services (EMS) personnel and their families about behavioral health issues such as depression, Post Traumatic Stress Disorder (PTSD), anxiety and addictions, as well as firefighter suicides.
FBHA’s sole goal is to promote good mental health to the men and women of the fire service/EMS and their families; making a significant difference in reducing the numbers of firefighters who are turning to suicide to ease their pain. FBHA Founder Jeff Dill holds a Master’s Degree in Counseling and is a Licensed Professional Counselor in the state of Illinois.
What an amazing and passionate man. Chief Dill has spent countless hours helping fire departments all over America in dealing with firefighter suicide and comforting the families of those left behind.
Here are two dirty secrets of our storied institution, the fire service. When one of us suicides, the event is treated like an off the job incident; in my opinion it rarely is, it is a line of duty death to me, but that isn’t how we treat it.
Second, the families of these brothers and sisters, yeah women firefighters kill themselves too, are treated differently than a firefighter that dies an “honorable” death. They may get short-term support from their department, but they and the memory of their father, husband, wife, sister, or brother are quickly forgotten.
We don’t like to talk about this fact of our way of life; it’s scary to think about, so we step away quickly so we don’t have to think about it.
Chief Dill invited me to speak about my experience as a suicide survivor and firefighter. After I had shared my story with an, unfortunately, tiny audience, a Chief asked me if there was anything any of my co-workers could have done back then.
My answer was a solid yes! My crew knew I was suffering; they knew I was “off” my game; I displayed all the characteristics of someone on the brink. However, here is the thing; I know if one of them had pressed me, asked how I was doing I would have cracked.
Now I’m not putting any blame on anyone other than myself. It isn’t his or her fault I tried to kill myself. What I am saying is if we are the brave souls we fancy ourselves to be, shouldn’t we be brave enough to risk asking these questions of our co-workers and ourselves? Shouldn’t one of the lives we try to be one of our own? I know I questioned patients hard when they seemed to be a risk to themselves, hell I put hundreds on medical holds.
I refused to ask the hard questions of brothers and sisters I suspected of being in danger. It would have been impolite to ask. As I waited to speak with Chief Dill, I tried to work the crowd on his behalf, trying to stir up some interest and get a good crowd to come listen to Chief Dill. Well wasn’t I surprised? There were two major reactions, one was to be polite, take my information, and then quickly toss it in the trash. The other one shocked me.
While relaxing outside I struck up a conversation with two Chiefs from California. I offered them our handout on the warning signs of an impending suicide. They both read it, then one looked at the other and in unison, they said the name of a firefighter and both laughed a bit.
I asked them, “So you both agree you have a guy with these warning signs?” Both answered yes without hesitation. Then I asked what they planned to do about that. They sat there tongue tied with their eyes blinking. “Well, we gotta get inside we’re teaching a class. Thanks for the information.” And with that they walked away.
Ask the hard questions and you may save a brother or sister, or maybe yourself.
This self-test is from Chief Dill’s website. Below is a self-screening for suicide ideations for firefighters. Please circle either Y= Yes or N=No. When you have completed the screening, please review your score at the end.
- Are you feeling like a burden to your family, friends, or Fire Company? Y N
- Do you feel the world would be a better place without you in it? Y N
- Have you started to isolate yourself from others in the firehouse? Y N
- Have you found yourself turning to alcohol or other addictive behaviors to make yourself feel better? Y N
- Have you or someone close to you notice that your sleeping patterns have changed? Y N
- Are you thinking, “What is the use” when going to the fire house or responding on calls? Y N
- Do you find yourself thinking about or performing unnecessary risks while at a fire scene or on an emergency incident? Y N
- Have you found an increased or new interest in risky activities outside the firehouse such as sky-diving, reckless motorcycle riding or purchasing guns? Y N
- Are you displaying unexplained angry emotions or been disciplined recently for anger towards other firefighters? Officers? Or the Public within the last two months? Y N
- Have you been told “you have changed” by Friends? Family? Firefighters? Y N
- Does your family have a history of suicide? Y N
- Do you have a history of feeling depressed? Y N
- Do you have feelings of hopelessness? Y N
- Do you feel like killing yourself? Y N
- Have you created plans to kill yourself? Y N
- 16. Have you recently attempted to kill yourself? Y N
Scoring: Total the amount of (Yes) circled.
Score:__________
If you circled question 15 or 16, then please seek help immediately from a trusted friend, chaplain, counselor, dial 911 or call the National Suicide Prevention Lifeline 1-800-273-TALK (8255) or 1-800-SUICIDE (1-800-784-2433
You can listen to Jeff’s last appearance on the Firefighter Netcast Show here: “Counseling For a Firefighter- By a Firefighter” In this program, Chief Dill tells us about a new resource coming to the aid of the fire service.