by California Casualty | Calcas Connection, Consider This |
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 car, truck or SUV 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.
TAKEAWAY:
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.
by California Casualty | Auto Insurance Info |
We see them every day. Someone drifting across lanes, running through stop signs or driving well below the speed limit while talking, texting or checking something on their smartphone. Someone driving distracted. April is Distracted Driving Awareness Month, dedicated...
by California Casualty | Calcas Connection, Consider This |
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.
TAKEAWAY:
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 [email protected]. 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.
by California Casualty | Calcas Connection, Consider This |
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 protected].
by California Casualty | Auto Insurance Info |
A friend or relative needs your help, their car is out of commission and they want to borrow yours for a quick errand. You like to think of yourself as nice and helpful, so of course, you say “yes”. While it may seem like a kind gesture, letting them use...
