"Winter home prep" | California Casualty

Are You Road Trip Ready?

by California Casualty | Auto Insurance Info, Helpful Tips, Travel | 0 comments

The fall and winter holidays are here, and that means one thing — road trip season! Whether you’re packing up the car for a cozy weekend with family or planning a winter getaway, a little prep now can make the miles ahead smooth and stress-free. So before you hit the highway, let’s make sure both your car and your crew are road trip ready.

1. Give Your Car a Quick Checkup

Take some time to make sure your vehicle is in good shape. A simple once-over now can prevent big headaches later.

Tires: Start from the ground up. Check tread depth using the penny test — if you can see the top of Lincoln’s head, it’s time for new tires. Adjust the air pressure to the manufacturer’s recommendation (listed on the inside of your driver’s door), and make sure your spare tire is in good shape and properly inflated.
Battery: Car batteries tend to struggle in extreme temperatures. If your battery is more than three years old, have it tested before your trip. A weak battery can leave you stranded in a rest area or gas station parking lot — never fun with a trunk full of luggage and kids in the back seat.
Lights: Do a quick walk-around to check your headlights, taillights, brake lights, and turn signals. Replacing a bulb takes only a few minutes and improves both visibility and safety.
Oil & Fluids: If you’re due (or close to due) for an oil change, take care of it before your trip. Clean oil helps your engine run more efficiently on long drives. Don’t forget to top off brake fluid, power steering fluid, windshield washer fluid, and coolant (anti-freeze) — especially if you’re heading into colder weather.
Belts & Hoses: Pop the hood and look for cracks, fraying, or leaks. Worn-out belts and hoses are a common cause of breakdowns on long drives.
Recalls: Before you leave, take a minute to look up your VIN at gov/recalls. It’s an easy way to see if your car has any unaddressed safety issues.

2. Stock Up and Plan for Emergencies

Even with the best prep, life can throw a curveball. A well-stocked emergency kit ensures you’re ready for whatever comes your way. Pack these essentials:

Jumper cables
First aid kit
Flashlight with extra batteries
Blankets or emergency thermal wraps
Reflective triangles or road flares
Tire pressure gauge
Tire sealant for small punctures
Multipurpose tool or pocketknife

You’ll also want to keep a portable phone charger or power bank handy, especially if your car doesn’t have USB ports. Toss in personal medications, a small stash of cash (for tolls or emergencies), and some bottled water and nonperishable snacks in case you get delayed. For comfort, include pillows, cozy blankets, and a travel cooler filled with snacks and drinks. A happy car equals happy passengers — and fewer unscheduled pit stops!

3. Keep It Clean and Comfortable

Nothing ruins a road trip faster than clutter and chaos. Before you go, clean out the interior and start with a fresh, organized space. Make sure to bring along:

A small trash bag or reusable bin for wrappers and napkins
Hand sanitizer and disinfecting wipes for quick cleanups
A travel-size tissue pack or paper towels

If you’re traveling with kids, you may want to childproof your car and stock up on car-friendly activities — audio books, travel games, or coloring pads. For adults, download your favorite playlists or podcasts before leaving areas with spotty reception. Little touches like seat cushions, neck pillows, or a cozy throw blanket can turn long stretches of highway into something a bit more comfortable.

4. Don’t Forget the Paperwork

Make sure your essential documents are where they belong. Keep your driver’s license in your wallet and your vehicle registration and insurance card together in your glove compartment for easy access. It’s also a good idea to store digital copies of key documents in your phone’s secure folder or email for backup.

Bringing your pet along? Don’t forget their vaccination records, ID tags, and pet insurance information. Pack food, a collapsible water bowl, leash, and waste bags. Remember to plan regular stops for bathroom breaks and walks — both for safety and comfort.

5. Secure Your Home Before You Go

A well-kept home sends the message that someone’s still around, discouraging would-be burglars and helping you relax on your trip. A few simple precautions can make it look like you never left.

Let a trusted neighbor know your plans and how to reach you.
Avoid posting your trip on social media until you’re back.
Mow your lawn and tidy up the yard before you leave.
Stop your mail and newspaper deliveries or ask a neighbor to collect them.
Leave a car parked in your driveway or ask a friend to park there occasionally.
Set indoor lights on timers to turn on and off automatically.
Consider installing a home security system or video doorbell for extra reassurance.

6. Check the Forecast and Plan Your Route

Before you head out, check the weather — not just for your destination but for every major stop along your route. Knowing about snow, heavy rain, or construction zones can help you reroute or adjust your travel times. If the forecast calls for snow or ice, pack an ice scraper, small shovel, and sand or kitty litter for traction. You might not need them, but you’ll be glad to have them if you do.

Download a reliable navigation app like Google Maps or Waze and save offline maps in case of poor service. If you’ll be driving through rural or mountainous areas, keep a printed map as a backup — sometimes, old-school really is best.

7. Enjoy the Ride

Once your checklist is complete, it’s time to focus on the best part — making memories on the open road. Cue up a fun playlist, plan a few scenic stops, and don’t rush. Whether you’re watching the leaves change or catching a winter sunrise, the journey itself can be just as rewarding as the destination.

This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.

How to Check Your Car’s Fluids

by California Casualty | Auto Insurance Info, Helpful Tips | 0 comments

Your car’s fluids are like its lifeblood—without them, things can go south fast. From keeping your engine cool to ensuring your brakes respond in a split second, fluids play a critical role in your vehicle’s performance and safety. The good news? You don’t have to be a mechanic to keep tabs on them. With a few simple checks, you can catch issues early and keep your car running smoothly, mile after mile.

Why Fluid Checks Matter

Many vehicle fluids need attention more frequently than the typical 5,000- to 10,000-mile service intervals. Ignoring fluid levels can lead to poor performance, unexpected breakdowns, or even long-term engine damage.

Whether you’re prepping for a road trip or just want to protect your investment, regular fluid checks are a smart habit to adopt.

General Tips for Checking Fluids

Park on a level surface before checking any fluids.

Never overfill—a little too much can be just as harmful as too little.
Clean around caps and reservoirs before opening to avoid introducing dirt or debris.
Always use the type of fluid recommended by your vehicle’s manufacturer (your owner’s manual will have the specs).
If you find yourself topping off fluids frequently, it could be a sign of a leak or other issue—have it checked by a professional.
Your owner’s manual is a good first step for knowing where the components are, and what to check.

Engine Oil

What it does: Lubricates engine parts, removes debris, and helps regulate heat.

When to check: Monthly. Change it every 3,000 to 5,000 miles, or according to your car’s recommendations.

How to check:

Turn off the engine and let it cool.
Open the hood and locate the oil dipstick (usually marked with a bright handle).
Pull it out, wipe it clean, and reinsert it fully.
Pull it out again and check the level. It should fall between the min and max markers.
If low, add oil slowly and recheck. Usually, one quart is enough to go from the lower to the upper mark.

Check oil quality too:
Rub a little between your fingers. If it feels gritty, it may be breaking down. Look at the color—clean oil is amber or golden. Dark brown or black oil means it’s time for a change. Milky oil? That could indicate a coolant leak—get it checked ASAP.

Brake Fluid

What it does: Transfers force from your foot on the pedal to the brakes themselves.

When to check: Monthly. Replace every 1–2 years, or sooner if braking feels soft or delayed.

How to check:

Locate the brake fluid reservoir, usually near the back of the engine bay.
The fluid should be between the min and max lines.
If it’s low, add the correct brake fluid for your vehicle.
The fluid should be clear or light yellow. If it’s dark or cloudy, it needs to be replaced.

Note: Brake fluid absorbs moisture over time, which can lead to spongy brakes. Never ignore braking issues and know when you need new brakes.

Transmission Fluid (Automatic)

What it does: Lubricates transmission components and enables smooth gear shifts.

When to check: Monthly. Replace every 30,000 to 60,000 miles, or sooner if shifting feels rough.

How to check:

Make sure the engine is running and warmed up.
Engage the parking brake.
Remove the transmission dipstick (if equipped), wipe it clean, then reinsert and remove it again to check the level.
Fluid should be red, amber, or pink. If it’s brown, cloudy, smells burnt, or feels gritty, it’s time to change it.
If low, add the appropriate fluid. Be cautious not to overfill.

Tip: Some newer cars have sealed transmissions. If you can’t find a dipstick, checking the fluid may require a mechanic.

Coolant (Antifreeze)

What it does: Regulates your engine’s temperature to prevent overheating and freezing.

When to check: At least twice a year. Full flush every 2–3 years (or longer, depending on the coolant type).

How to check:

Only check when the engine is completely cool.
Locate the coolant reservoir—usually a clear plastic tank with markings.
Fluid should be between the min and max lines.
If low, add a 50/50 mix of coolant and water unless your car specifies otherwise.

Warning: Be aware of the location of your radiator. Never open the radiator cap when the engine is hot—it can release scalding steam.

Power Steering Fluid

What it does: Makes steering smooth and responsive.

When to check: Monthly. Replace every 50,000 miles (varies by vehicle).

How to check:

Turn off the engine.
Locate the power steering fluid reservoir.
Check that fluid is at the proper level (some caps have dipsticks).
Some reservoirs have hot and cold markings—check according to your engine’s temperature.

Watch out for: Difficulty steering or a whining noise when turning could mean low fluid or a leak.

Windshield Washer Fluid

What it does: Keeps your windshield clean and ensures visibility.

When to check: Monthly—or more often in messy weather.

How to check:

Open the cap to the washer fluid reservoir (usually marked with a windshield icon).
If the level is low, top it off.
In warm weather, use a bug-removing fluid. In winter, use a solution with antifreeze properties to prevent freezing.

When to Visit a Professional

While regular fluid checks can prevent many issues, some problems need a pro. Schedule a visit to your mechanic if you notice:

Leaking fluids under your car—these often appear as puddles or drips.
Dashboard warning lights—especially related to oil pressure, brakes, or coolant.
Unusual noises—squealing, grinding, or whining sounds could point to fluid problems.
Smoke from under the hood—could be due to leaking oil or overheating coolant.

And don’t forget, keeping your fluids in check is just one part of car maintenance. Protect your vehicle with the right insurance coverage to safeguard against the unexpected. Safe travels.

Flying with Your Pet

by California Casualty | Pets, Travel | 0 comments

Whether your pet is a seasoned jetsetter or a first-time flyer, navigating air travel with a four-legged friend takes planning, patience, and know-how. From booking the right seat to ensuring a smooth security check, here’s how to make flying with your pet a paws-itively stress-free adventure!

Cabin or Cargo? Choosing the Best Travel Option

Your pet’s size will determine whether they can fly in the cabin with you or if they must go in cargo. Cargo is not for every pet, and if you must consider it, make sure to check with your vet that it is safe for your pet’s breed, age and health.

Carry-On Pets:

Pets in the plane’s cabin are limited to cats and small dogs meeting size requirements.
Your pet must remain in a carrier under the seat in front of you for the flight.
Some airlines allow you to purchase an extra seat for your pet carrier. You still will need to keep your pet in the carrier, and you also will need to place the carrier under the seat during takeoff and landing.
Choose a window or aisle seat which will have the most room to stow your pet’s carrier under the seat. Avoid emergency exit rows and bulkhead seats.
A pet fee applies. Check with the airline for the exact amount.

Cargo Travel:

Larger dogs must fly in cargo, which is the space at the bottom of the plane where luggage is stored.
While cargo is ventilated, it is not temperature controlled, and airflow is not the same as in the cabin. Pets may not be allowed in cargo during extreme heat or cold.
Short-nosed breeds like bulldogs, pugs, and Persian cats are at higher risk for breathing issues and should never fly in cargo.
Pets must be placed in cargo-approved kennels. Check your airline for specifications.
While most pets travel safely in cargo, poor ventilation or mishandling can pose risks.
Most airlines are required to report on companion animal safety. Check your airline’s safety record before booking your pet in cargo.
A pet fee also applies.

Service Dogs:

Service dogs are an exception to the pet traveling policies. They are allowed to be out of a carrier but must not block the aisle. Generally, they are not allowed on seats.
To qualify as a service dog, they must be fully trained and certified to assist a person with a disability.
Emotional support animals are considered pets and not service dogs. They must follow standard pet travel guidelines.
Service dogs will usually fly free of charge.

Booking Your Flight

Research quarantine, vaccine, and other restrictions for your destination so you will have the right paperwork.
Always communicate with the airline in advance. You don’t want any surprises.
Book direct flights. There is less chance of handoffs going wrong.
For cargo, if traveling in the summer, pick early morning or evening flights to avoid the hottest parts of the day. In winter, book midday flights to avoid the cold.

Prepping Your Pet for Takeoff

Before your trip, make sure your pet is in tip-top shape for travel. Here’s how:

Vet Visit: Schedule a checkup to ensure your pet is healthy enough to fly. Some destinations require a health certificate issued within 10 days of travel.
Skip Sedatives: Tranquilizers can affect breathing. Ask your vet for guidance on whether you should use them. You also can consider pet calming chews with melatonin or chamomile. For nervous cats, try pheromone sprays to help ease anxiety.
Microchip & ID: Make sure your pet’s microchip info is up to date and their collar includes both your home address and temporary travel address.

Helping Your Pet Adjust to Air Travel

Crate Training: Get your pet comfortable with their travel carrier well in advance. Reward them with treats and praise.

Crowd Exposure: Airports are busy and noisy! Take your dog to a crowded, dog-friendly area to get them used to similar sights and sounds.
Practice Security Checks: TSA requires pets to go through security outside of their carrier. Practice taking your pet in and out calmly.

Packing List: Don’t Forget These Essentials

Proof of vaccinations and vet contact info

Microchip number and pet license
Airline-approved carrier (waterproof & spacious enough for your pet to stand, turn, and lie down)
Collapsible water bowl
Small bag of food in case of delays
Treats and chew toy (helps with pressure changes)
Poop bags and pet wipes for clean-ups
Extra collar and leash
A recent photo of your pet (for ID purposes)

Pro Tip: For pets traveling in cargo, freeze water in the collapsible water bowl. This will help prevent spills. By the time your pet is thirsty, the water will have defrosted. You can also attach a water bottle dispenser.

Airport Tips: Navigating the Terminal with Your Pet

Strange sounds, sights and smells can be challenging even for the most well-trained pet. Changes in diet and water also can affect your pet. Here are some ways to navigate specific issues with traveling.

Skip Breakfast? A light stomach may help prevent nausea—check with your vet.

Pre-Flight Potty Break: Ensure your pet relieves themselves before heading to check-in.
Cargo Flyers: Label crates with LIVE ANIMAL in large letters and add arrows to indicate the upright position. Attach a photo of your pet, and line the bottom with towels. This will help absorb any liquids if there are accidents. You will be dropping off your pet at the check-in counter along with your luggage.
Cabin Flyers: Be prepared to remove your pet from the carrier for TSA screening. Once through security, locate pet relief areas before boarding.
Alert the Flight Crew: If your pet is traveling in cargo, notify a flight attendant so they’re aware. They should be able to confirm that your pet is safely on board.
Meet Your Pet: The airline will direct you to a place where you can meet your pet and show them some love following your flight.

Are you flying with small children, too? Check out our blog on Flying with Kids.

Travel with Peace of Mind

Finally, don’t forget to protect your fur baby with pet insurance for added peace of mind, and to save on your vet bill. Remember, you can easily add pet insurance from Pet’s Best to your California Casualty auto or home policy. Find out more about what pet insurance can cover by talking with a California Casualty customer service representative today.

Flu Season Survival Tips for Nurses

by California Casualty | Health, Nurses | 0 comments

Flu season can feel like a marathon for nurses, with every shift presenting new challenges to stay healthy. As the frontline defense against the virus, you know how crucial it is to protect yourself while supporting your patients. From bolstering your immune system to managing stress during long hours, these flu season survival tips will help you stay strong, focused, and ready to tackle whatever comes your way. Because when you’re at your best, so is your care.

Stock Up on Essentials

Preparation is key. Ensure you have an ample supply of personal protective equipment (PPE), such as masks, gloves, and gowns, and always ensure they are properly fitted and changed between patients. Keep sanitizers, disinfectants, hand creams, and lozenges on hand. Stock your home with over-the-counter medications, thermometers, and electrolyte solutions in case you or a loved one falls ill. Having these supplies ready allows you to focus on care without unnecessary stress.

Practice Exceptional Hand Hygiene

Hand hygiene is one of the most effective ways to prevent the spread of infection. Follow strict sanitation practices, washing your hands with soap and water for at least 20 seconds after each patient interaction and after touching shared surfaces. Remember, some viruses like norovirus are resistant to hand sanitizers, so soap and water are crucial. Avoid touching your face—especially your eyes, nose, and mouth—with unwashed hands. This simple habit can dramatically reduce your exposure to harmful pathogens.

Clean and Disinfect Workspaces

Shared spaces can harbor countless germs, making regular cleaning a must. Wipe down frequently touched surfaces such as desks, telephones, computer keyboards, and breakroom appliances daily. In common areas, pay attention to high-touch points like water fountain handles and microwave door handles. Keeping these areas clean helps minimize the risk of cross-contamination.

Stay Up to Date on Vaccinations

Vaccination remains one of the most effective tools in preventing the flu. Make sure your immunizations are current, including your annual flu shot, and encourage coworkers and patients to do the same. Vaccines not only protect you but also help reduce the spread of illness within your workplace and the broader community.

Boost Your Immune System

Your immune system is your strongest ally during flu season. Fuel your body with a nutritionally balanced diet rich in fruits, vegetables, whole grains, lean proteins, and healthy fats. Stay hydrated by drinking about 2 liters of water daily and carrying a water bottle to sip throughout your shift. Prioritize healthy sleep habits, aiming for 7-9 hours per night to allow your body to recharge. Incorporate stress-reducing activities like deep breathing exercises, meditation, or yoga into your routine. Regular physical activity can also boost your immunity. Find a workout you enjoy to help you stay motivated.

Manage Your Workload Effectively

A well-organized workload can reduce stress and improve efficiency. Start by prioritizing patient care based on urgency and complexity, focusing on high-risk patients first. Bundle similar tasks together to save time and energy. For example, group medication rounds or paperwork sessions to streamline your day. Delegate non-critical tasks to coworkers when appropriate, allowing you to concentrate on providing the best possible care.

Address Stress and Fatigue

Prolonged stress and fatigue can weaken your immune system, leaving you more vulnerable to illness. Incorporate short self-care breaks into your day to recharge. Use these moments to practice deep breathing, stretch, or enjoy a brief moment of mindfulness. Make restful sleep a priority, even if it means adjusting your schedule. Create a calming bedtime routine to signal to your body that it’s time to rest.

Collaborate with Your Healthcare Team

Effective communication with your team is vital during flu season. Maintain open lines of communication with fellow nurses, physicians, and caregivers to ensure efficient workflows and minimize gaps in care. Share updates on patient conditions, supply needs, and any changes in protocol. A united team effort can make a significant difference in managing the demands of flu season.

If You’re Sick, Stay Home

As a nurse, it’s natural to want to push through illness, but it’s essential to prioritize your health and the safety of those around you. If you feel unwell, take the time to recover. Stay hydrated, treat aches and fever with over-the-counter medications, and rest as much as possible. Cover your mouth and nose when coughing or sneezing and run a humidifier to ease congestion. Remember to replace your toothbrush after recovering from an illness to avoid reinfection.

Flu Season Preparedness at Home

Don’t forget to prepare your household for flu season as well. Encourage family members to practice good hygiene and stay up to date on their vaccinations. Designate a sick room for anyone who becomes ill and establish a cleaning routine to keep the rest of your home germ-free. By creating a safe and clean environment at home, you’ll minimize the risk of spreading illness within your family.

Stay Positive

Flu season can be challenging, but maintaining a positive mindset can make a big difference. Focus on the small wins, like successfully preventing an illness or seeing a patient recover. Celebrate your hard work and dedication, knowing that your efforts are making a meaningful impact in the lives of your patients and community.

What to Do if Your Vehicle Gets Stuck in the Snow

by California Casualty | Auto Insurance Info, Helpful Tips, Travel | 0 comments

You’re ready to hit the road, but your car has other plans—stuck in a snowbank with tires spinning. Before your frustration gets out of hand, take a deep breath. With the right techniques and a little patience, you can free your vehicle and get back on track. Here’s your step-by-step guide to escape the snow’s icy grip without breaking a sweat—or your car!

1. Stay Safe and Assess the Situation

Before doing anything, ensure you’re safe. Turn on your hazard lights and assess the situation. Are other vehicles nearby? Make sure you’re visible to others and have enough space to work around your car safely.

2. Clear the Exhaust Pipe

Check your car’s tailpipe for snow and ice. A clogged exhaust can cause dangerous carbon monoxide to back up into the vehicle’s cabin. Clearing it is a critical safety step before you start working to free your car.

3. Start Shoveling

Use a shovel or any sturdy tool to remove snow around the tires, under the car, and along the path you want to travel. Clearing as much snow as possible will make it easier to gain traction and move forward.

4. Try Melting the Snow

If the snow around your wheels is packed and icy, try sprinkling salt or a de-icing agent. Be cautious, as salt can cause rust on your vehicle, and some chemicals may be harmful to pets and the environment.

5. Add Traction

Improve your grip by spreading dry materials like sand, kitty litter, or even your car’s floor mats under the tires. These items can provide the friction needed to get your car moving.

Pro Tip: Lower your window slightly to listen for spinning wheels as you press on the gas. If you hear them spinning, it’s not working.

6. Choose the Right Driving Technique

Depending on your type of vehicle, you will want to take advantage of its strengths.

- - 4-Wheel Drive: If your vehicle has a 4-wheel drive option, turn it on to deliver power to all wheels. Use a low gear in an automatic to reduce wheel spinning.
  - Front-Wheel Drive: Turn your steering wheel left and right repeatedly to find a patch of traction.
  - Manual Transmission: Start in second gear to reduce wheel spin and increase grip.

7. Turn Off Traction Control

Your traction control system can prevent your wheels from spinning, which helps in skids but can hinder your efforts when stuck. Temporarily disable it to give your wheels the power they need to move.

8. Rock Your Vehicle

Gently rock your car by shifting between forward and reverse gears. Apply light gas pressure—avoid flooring it—and stop if it’s not working after a few tries to prevent transmission damage.

9. Let Air Out of Your Tires

In extreme cases, slightly deflate your tires to increase surface contact and improve traction. Only do this if you’re near a place to reinflate them, as driving on underinflated tires can be dangerous.

10. Call for Roadside Assistance

If all else fails, it’s time to call for help. Roadside assistance professionals have the tools and expertise to safely free your vehicle.

After You’re Unstuck

Once your car is free, pull over in a safe spot and inspect your tires. Spinning wheels can pack snow and ice into the treads, making steering difficult. Use a snow scraper to clear them and restore proper grip. Don’t forget to turn your traction control back on before resuming your drive. Follow winter driving safety tips to prevent any future issues.