When something happens to your vehicle, it’s an unexpected and unappreciated disruption to your life. We often take for granted the convenience our vehicle provides – until it is out of commission following an accident or other covered claim.
That’s why you need rental car reimbursement. Rental car reimbursement, also known as rental car coverage or transportation expense, is a wonderful feature of your auto insurance. When added to your policy that already has collision and comprehensive, it pays the cost of renting a vehicle until repairs from a covered accident or loss are completed on your ride.
Did you know?
- Insurance will only reimburse you for the daily rental rate. Other expenses, such as the cost of gas or security deposit for the car, are typically your responsibility.
- The rental car company can bill the insurer directly if you choose one that partners with your insurer.
- Lower rental rates are available to those involved in an accident, but you must let the rental agent know that you are renting due to an accident.
- There are typically two types of parameters for reimbursing your temporary rental: a daily rate and a per-claim limit.
- Choosing the right amount of rental reimbursement is important. Some insureds may need only the minimum coverage amount while others may need more.
If you have a large family that requires a larger SUV or van to commute to work, school and all of the extracurricular events your family participates in, then you should consider a higher amount of rental car reimbursement. Also, take into account where you live. What are the going rates for a rental vehicle that would fit your needs should your personal vehicle be out of commission for a number of days? Be sure you have the limits that make sense for your needs.
An accident is disruptive enough; having the right rental reimbursement coverage will save you time, money and headaches while you’re getting your vehicle back on the road.
A California Casualty advisor is ready to give you a policy review, make sure that you have comprehensive and collision coverage, and check the amount you have for rental car reimbursement. Give a call today at 1.800.800.9410 option 3, or visit www.calcas.com/customer-service.
Insurance to protect your property from the ravages of a flood is more important than ever. The National Weather Service is warning that there is a higher potential for flooding into this summer, because record winter snows and rain have saturated soils, putting two-thirds of the lower 48 states at risk.
The National Flood Insurance Program (NFIP) estimates that just one inch of water in a 2,000 square foot house will result in $23,000 in damage.
Floods are the number one disaster in the United States, but all too often, many of those affected do not have flood insurance.
Flood season has arrived and here are five reasons you should consider flood insurance now:
- Flood insurance is not just for homeowners and businesses.
Flood insurance is available for renters. Condo owners can also purchase it. It will cover damage to your possessions from a flood.
- Flooding is not covered under your homeowners insurance.
Homeowners and renters need to purchase separate flood insurance protection. Umbrella insurance does not usually cover flooding, either.
- Floods aren’t limited to flood plains.
Every state has experienced flooding, and it can happen anywhere. The NFIP estimates that 25 percent of flood claims come from areas outside of high-risk flood zones.
- Flood insurance doesn’t take effect immediately.
There is a 30-day waiting period from the date you purchase the insurance until you are covered, in most cases.
- It’s often not as expensive as you think.
The average policy costs about $700 per year – the higher your risk, the higher your premium. Costs do vary depending on your flood risk and the year and type of construction. Keep in mind, the average residential flood claim amounted to more than $38,000.
For more information about what is and is not covered with flood insurance, visit https://www.floodsmart.gov/faqs.
Don’t delay, there is a 30-day waiting period before flood insurance goes into effect. Call a California Casualty advisor today at 1.877.652.2638 to make sure you’re covered, or contact our Agency Services department at email@example.com.
When you signed up with California Casualty, you joined a well-respected, 105-year-old, family-owned insurance company. It’s easy, after the excitement of making a change, to forget some of the reasons you chose California Casualty. Not only did you qualify for special group pricing, you also received valuable benefits that came with your auto and home insurance. They include:
- Rates good for a full year, not six months like many insurers offer
- Auto insurance that covers $500 for non-electronic items taken from your vehicle
- $0 deductible for accidents in a rental car
- Broad policy protection for anyone you allow to drive your vehicle
- Free ID defense
- Free pet injury coverage up to $1,000
- Holiday or summer skip payment options
- Exceptional towing and roadside assistance availability
However, we can help you in many other ways. Our advisors can also line you up with flood insurance and, in certain states, earthquake insurance. If you have a boat, classic car, RV, motorcycle or snowmobile, California Casualty can get you the insurance you need. We even offer pet health insurance that can save you thousands of dollars if something happens to your furry friend.
If you need flood and earthquake insurance, or coverage for your pet, boat, collectable car, motorcycle or summer and winter recreation vehicles, contact our Agency Services team at 1.877.652.2638 or email firstname.lastname@example.org. Also, please share your California Casualty experience with your colleagues and family members; we’d love to offer them the same quality insurance with the benefits that you are enjoying, visit www.calcas.com.
It doesn’t take a natural disaster or tragedy to learn that you might be underinsured. An example comes from the holidays. The warmth of the season can turn into an economic nightmare if someone slips and falls at your home or apartment, your dog bites a guest, or someone gets food poisoning. Without enough liability protection, you could be in real financial danger.
Just do a search of personal liability lawsuits and settlements. You might be shocked by the results and the number of law firms filing such cases. You may think that a guest wouldn’t sue you for damages, but it does happen, especially if the injury is serious.
You’ve worked hard for the things you own; you don’t want to put them at risk.
Financial experts advise that as long as you can earn a livelihood, you should have as much liability insurance as you can afford. Most home insurance policies come with $100,000 liability coverage, but boosting your limits to $300,000 or $500,000 offers greater protection at a reasonable cost.
If you have a lot of assets or other exposures for a possible civil suit, you should consider an umbrella policy, which provides $1 million to $5 million coverage.
While you’re at it, what liability limits do you have with your auto insurance? You may be severely underinsured if you opted for the minimum liability limits required by your state. Just like home insurance, you should purchase as much liability coverage as possible, especially if you have a younger, inexperienced driver.
Accidents happen every day, but California Casualty can help you be prepared.
TAKEAWAY: If you don’t know what your liability limits are, or you’d like increase your coverage, Contact California Casualty’ Customer Service at 1.800.800.9410 option 3, or at email@example.com.
It’s something we all hope never happens to us: a sewer backup or sump pump failure. When it comes to sewers, what goes down shouldn’t come back up. In fact, any home with a toilet and a sink is susceptible to this type of event.
Damage from a sewer backup or sump pump failure is not covered under your homeowners insurance. Without the endorsement, you’ll be paying for the damage yourself.
Here are five reasons to have water backup/sump pump overflow coverage:
- It can happen at any time to any home
- Just a couple inches of water backup can cause thousands of dollars in damage – ruining carpets, destroying appliances and crumbling dry wall
- It helps speed up the necessary clean-up, preventing mold and further damage
- It’s not covered under flood insurance
- It’s relatively inexpensive
If you live in an older home, one that has a basement and/or a sump pump, and there have been problems of backed up sewers in your neighborhood, you should definitely consider adding water backup and sump discharge or overflow coverage to your homeowners insurance policy.
With a California Casualty water backup endorsement, you’ll have as much as $10,000 to clean up and repair damage (amount varies by state).
Review your policy and if you don’t have a water backup endorsement, or don’t know if you do, contact a California Casualty advisor today at 1.800.800.9410 option 3, or email firstname.lastname@example.org.
The rush is on to get everything ready as students head back to college. If yours are moving into a place of their own, don’t forget to purchase renters insurance to protect all the special items that make the new place their home away from home.
Here are some important reasons why renters insurance is a necessity for your college student(s):
1. College kids have more these days: books, bicycles, TVs, computers, tablets, gaming systems, smart phones, sound systems, clothes, bedding, furniture and kitchen items. Replacing those items if they were stolen, damaged or destroyed in a fire could add up to tens of thousands of dollars. Renters insurance also pays for temporary living expenses, like a hotel room, while their room or apartment is being repaired.
2. While most students who live in a dorm have personal property coverage under their parents’ homeowners insurance, once they move in to a place of their own they usually need their own renters insurance policy.
3. A landlord’s insurance policy won’t cover your student’s belongings. The landlord’s insurance protects the building and only pays to fix walls, roofs, etc., not any of your kid’s contents.
4. Renters insurance provides liability coverage if someone gets hurt at your student’s apartment. It helps pay for medical expenses and other costs, like legal fees, if the injured person sues.
5. Renters insurance is a great value. On average, it costs between $10 and $20 a month, or about $200 a year. That’s less than most people spend each month for cell phones or their cable bill.
TAKEAWAY: Learn how renters insurance will cover your college student’s belongings by contacting one of our advisors at 1.800.800.9410, or visit https://secure.mycalcas.com/loverenters