by California Casualty | Safety |
You’ve probably heard a lot about identity theft, but it could never happen to you, right? Unfortunately, it’s more common than you think. Every 22 seconds, someone has his/her identity stolen in the U.S.
You could be the next victim. Learn the signs of identity theft and the strategies to help protect your identity.
Types of Identity Theft
Identity theft happens when someone uses your personal information to steal from you. They can take over your personal accounts. They can ruin your credit. They can take out loans in your name, leaving you on the hook for thousands of dollars or more.
There are many types of identity theft. Here are some of the most common:
• Bank fraud
• Credit card fraud
• Employment fraud
• Tax-related fraud
• Government benefits fraud
• Insurance fraud
• Loan or lease fraud
• Medical services fraud
• Online shopping fraud
Watch for These Warning Signs
Identity theft can easily happen without you knowing it. Be on the lookout for signs that show someone is fraudulently using your information.
1. You do not recognize charges on your credit card or bank account. Check your credit card statement each month, or online more frequently if you feel you may be a victim of identity theft. If you see charges that you didn’t make, contact your credit card company. You can dispute those charges, and change your account number. Similarly, if you see withdrawals on your bank statement that you didn’t make, notify your bank immediately. While they may not be able to refund that money, they can put a hold on your account and open a new one for you.
2. You are getting calls from debt collectors. If you’re getting calls from debt collectors for a purchase you did not make, that’s a huge red flag. It’s possible someone made a purchase in your name. Get the information from the debt collector. Contact the fraud department of the creditor who says that you owe the debt. Request copies of the transaction. Dispute the charge. Close or change the account where the debt was originally charged, whether it’s a bank account or credit card.
3. You receive notifications of password changes you didn’t make. If you get a notification that you changed your password, and you didn’t make the change, take action right away. That means someone was able to access your account. Notify the institution. Change the initial password to something new. If you use that same password elsewhere, change it there, too.
4. You get texts with verification codes. If you get a verification code from PayPal or other services, that’s a sign that someone is using one of your personal accounts. Change your password immediately and contact the account provider.
5. Your credit score suddenly drops. Perhaps you’re denied a loan because your credit report shows unexpected problems. Or maybe you checked your credit score and it’s much lower than it was. Order a credit report to get detailed information. You can get a free report from the major credit bureaus: Equifax, Experian, and TransUnion. Then you can correct any inaccuracies for future reporting.
6. You’re missing mail and bills. Identity thieves sometimes use a change of address form to reroute your mail. That’s one way they can get personal information mailed right to them. If you notice that mail is missing, especially bills, contact those companies and make sure the address on file is the correct one.
7. You’re getting unfamiliar bills. If you’re receiving medical bills for services that you didn’t receive or bills for items you didn’t purchase, someone is pretending to be you. Contact the provider and let them know.
8. The IRS has more than one tax return in your name. This happens when someone files a tax return to get your refund. You will need to contact the IRS to resolve the situation. You can get a copy of the fraudulent return and take steps to protect your social security number in the future.
How to Protect Your Identity
Follow these steps to help prevent identity theft.
• Guard your social security number. Most places will ask for the last four digits only. Do not share the full number unless you are certain it is secure and safe.
• Watch out for phishing scams. Don’t respond to unsolicited calls or emails. Don’t click on links in those emails either. Never enter your personal information in response to an email.
• Keep close tabs on your billing cycles. If bills do not appear, you will know what is missing.
• Read your credit card statements and look for small charges, too. Scammers often start with a small test before making a big purchase.
• Create complex passwords for your accounts. Avoid using complete words and don’t use the same password for multiple accounts. Initiate 2-step verification for an extra layer of protection. Avoid storing passwords on your devices.
• If you bank online, install virus protection on your computer and mobile devices.
• Don’t use public WiFi. Use a secure VPN for your devices. Keep devices updated with the latest security fixes.
• Freeze your credit. This prevents anyone, including you, from opening a loan or credit card in your name. When you’re ready to do so, you can unfreeze your credit temporarily.
• Sign up for a credit card alert for purchases more than a certain amount. That will give you an instant notification if someone happens to use your card and spend over that amount.
• Use an ID theft protection service like Cyber Scout, offered at no additional cost to you with every California Casualty policy.
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.
by California Casualty | Pets |
It’s springtime, and you can’t wait to get outside. Your pets feel the same way! After a long winter cooped up, it’s fun to enjoy the nice weather, but it’s not all long walks and trips to the park. From allergies to insects and so much more, spring is filled with potential for illness and injury. Here’s what to watch for, inside and out, to keep your pets safe this season.
You do your spring cleaning to make everything fresh for the new season. Unfortunately, almost all chemicals, even natural ones, are harmful to pets. That includes soaps, bleach, polishes, and cleaners, all of which can irritate your pet’s skin and damage their gastrointestinal tract if ingested. In addition, cleaning supplies like sponges can present problems if eaten.
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- Whenever possible, use natural cleaners that are marked safe for pets.
- You can make your own natural cleaning solution of baking soda and vinegar. Mix one-part baking soda to two parts vinegar (e.g. ¼ cup baking soda and ½ cup vinegar). Pour the mixture into a spray bottle.
- Pets like to drink from the toilet. Avoid adding toilet cleaner to the water; that could make them sick.
- Store cleaning products out of paws’ reach. Keep pets safely away while you’re cleaning.
Spring is a popular time for home improvement projects in and around the house. Beware of nails, staples, blades, and power tools, as they could injure your fur baby. Paints and solvents also can be toxic, and can cause chemical burns.
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- Keep your pet in a pet-safe area during home improvement projects. Do not let them wander around unsupervised.
- Be aware that the loud noises from power drills and saws can be frightening for your pet. It could even scare them into running away. Consider asking a family member or friend to take your fur baby on a walk or to stay with your pet during the project.
- Clean up the area completely. Store tools and supplies safely out of reach.
The fertilizers, insecticides, and herbicides that we use on our lawns can be dangerous if pets eat them. It can be tempting because bone meal is used in some fertilizers, and dogs love bones Manure is also a popular choice. (Enough said.)
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- Dilute fertilizer with plenty of dirt and water.
- Keep your pets away from treated areas for at least 24 hours.
- Don’t let your fur baby walk on recently fertilized areas. The poisons can be absorbed through their paws.
Hazard #4: Poisonous Plants
Plants grow and flower in springtime, and many are toxic to animals. Lilies can cause kidney failure in cats. Rhododendrons and azaleas can be fatal if eaten by your fur babies. Even drinking water from a vase filled with tulips and daffodils can be dangerous. If you live in the western part of the U.S., be on the lookout for foxtails, a type of grass-like weed. Not only can they get stuck in your pet’s hair, but they can also work their way up into their nose and ears, causing serious infection and even death.
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- Identify the plants in your house and get rid of any that could be toxic to your pets. Replace them with pet-friendly plants.
- Identify the plants in your yard that could be dangerous. Fence or block them off so your pet doesn’t have access.
- Supervise your fur babies when they are outside. Provide alternate entertainment such as a game of fetch to keep them occupied.
Hazard #5: Spring Allergies
Just like humans, pets can be allergic to dust, plants, and pollen that are everywhere in the springtime. Look for signs of allergies, such as itching, minor sniffling, and sneezing. Your fur baby may also repeatedly bite or lick its paws, rub its face or shed excessively.
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- Bathe your dog with a hypoallergenic shampoo. Ask your vet for recommendations on how often.
- Wash your pet’s bedding in hot, soapy water. Do the same for any plush toys. Dry them on a hot dryer cycle to kill dust mites.
- If you suspect allergies, take your pet to the vet to get tested. Your vet can provide allergy medication for much-needed relief.
Hazard #6: Bugs
The bugs come out in spring. Fleas, ticks, parasites, hide in tall grass and crawl on your pet. Mosquitos can nest in stagnant water. Buzzing insects can cause painful stings and even life-threatening injuries. Even the sprays and treatments to control these pests can be toxic. Slug bait is poison mixed with sugar and can be fatal if ingested.
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- Make sure your pet is on year-round heartworm preventative to guard against heartworm-positive mosquitos.
- Even if you use a flea/tick preventative, check your pet after each walk.
- Keep insect repellents out of pet’s reach. They can cause neurological damage.
- If your pet is stung by a bee, use an ice pack to keep the swelling down. A bag of frozen peas works well. Remove it often so you don’t cause frostbite. If swelling is severe or your pet has difficulty breathing, go to the vet at once.
Hazard #7: Windows
We’re tempted to open our windows wide in the spring, to let in that beautiful weather. Before you do, make sure that your window screens are secure. More than one fur baby has fallen through a window screen that wasn’t.
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- Make sure your window screens are sturdy and have a snug fit. There should be no holes or gaps.
- Always supervise pets around open windows, especially cats.
- Keep your fur baby from hanging out of the window in your car. Flying debris can enter their ears or eyes and cause problems. Abrupt stops can also launch them out the window. Always secure your pet in a crate or a seatbelt harness specially designed for them.
Hazard #8: Rising Temperatures
The warm spring temperatures can sometimes be pretty hot, depending on where you live. That puts our furry friends in danger of overheating.
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- Make sure your pets are well-hydrated, and have access to fresh drinking water and shade if they are outside.
- Check that the drinking bowl isn’t dirty from pets sticking paws in it to play or cool down.
- Do not leave pets unattended in vehicles. The temperature inside a car can quickly become dangerous.
Hazard #9: Spring Holidays
Treats such as chocolate are popular at spring holidays such as Easter, Passover, and Mother’s Day. However, they’re toxic to your pets. So is xylitol, a common sugar substitute. Be aware that your special celebration may include these and other household dangers for your fur baby.
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- Keep a list of harmful foods in your kitchen for easy reference. Check ingredients before you give human food to your pet.
- Never give your dog cooked bones, such as from your family dinner. Cooked bones are brittle and can splinter in a pet’s mouth.
- Supervise your pet whenever he/she is eating.
- Secure your kitchen garbage so that pets cannot access it. Put it behind a closed cabinet door or buy locks for your trash cans.
Should something happen to your pet, pet insurance can help offset some of the larger costs. 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.
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.
by California Casualty | Auto Insurance Info |
Maybe you work from home or you live close to work. Perhaps you regularly use rideshare services or public transportation. As a result, you drive less than most people. If that’s the case, you may qualify for the lower rates.
Your annual mileage is a factor in determining your insurance rate. After all, if you drive less often, you have a reduced chance of getting into an accident. There’s also less wear and tear on your car so it stays in better shape. That’s why insurance companies offer discounts for low-mileage drivers.
Low Mileage Discounts
The average American drives about 13,476 miles a year or 37 miles a day. Low mileage insurance policies generally apply to those who drive about half of that amount or less. Each insurer sets its low mileage number so check with your insurance company to see if you qualify.
Your premium may be reduced by a percentage because you are a low-mileage driver, but how do they get this information if you don’t tell them? Your insurer may order reports from a third-party verified mileage program to get your annual mileage data. That data will be used when renewing your policy to make sure the insurer is using the most accurate vehicle information.
Low mileage discounts are automatic. When the mileage is determined, the rate factor (which can result in a decrease or increase) is automatically applied.
How to Reduce Your Mileage
You may be able to reduce your mileage to qualify for a low mileage discount. Here’s how.
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- Start by calculating your mileage. Write down the odometer reading at the beginning of the week with the date. Then, check it after one week to find out how many miles you traveled. Multiply that number by 52 to get an estimate of about how much you drive a year.
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- Commuting to work is the number one way that people rack up miles. If you do have a commute, investigate the ways that you can reduce the miles you drive. Try carpooling with a colleague. See if public transportation is available. Ask your employer if you’re able to work from home for a portion of your time.
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- Plan ahead when doing errands. Map out where you need to be and group your stops. If your grocery store is on your way home from work, for example, plan to stop en route rather than making an extra trip. Pro Tip: Choose free or low-cost home delivery services to avoid the time on the road altogether.
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- Walk or bike when you can, instead of driving. It gives you the benefit of great exercise in addition to saving on your car’s mileage. Just make sure to brush up on bicycle safety. Pro Tip: Use bike-share programs if your area offers them to save on the cost of a bicycle.
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- If your family has two cars, try using one for daily driving and the other for leisure. In this way, you may qualify for a low mileage policy on the vehicle used less often.
Your car is one of your greatest investments. Keep it well-maintained and protect it with the right insurance.
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.
by California Casualty | Auto Insurance Info |
You don’t have to wait for your auto policy to expire to change insurance companies. However, you do need to make sure you’re fully covered without any gaps in insurance. We’ve compiled some guidelines to help you decide if a change is right for you.
When should you think about changing policies?
While you don’t need a reason to change your auto insurance, there are some times when it makes sense for you to revisit your policy—even if you don’t change insurance companies. You may end up modifying your current policy to meet your evolving needs. For example:
• If you’ve had a major life change, such as getting married or divorced, you may need more or less insurance.
• If you’ve moved to a new zip code or state, the new location could affect your premium.
• If you’ve become a homeowner, you can bundle your auto and home and save money.
• If you’ve gone from working out of the home to remote work, your annual mileage may be less.
• If you’ve bought a new car, you will want to check insurance policy options.
• If your teenager is about to get his or her license, that will add to your policy.
• If your credit score has improved, you may qualify for a lower rate.
• If you’re unhappy with your current insurer, you can consider a change.
• If you’re approaching your renewal date, you can terminate a contract without cancellation fees.
Follow these steps to make the change.
Step 1: Consider your coverage options.
Figure out how much coverage you need. If you depend upon your care, you want to make sure that you have enough to replace it if necessary. Also, check your state laws. Some states will require you to have certain car insurance. If you lease or finance a car, your lender or lessor will require you to purchase collision and comprehensive insurance.
Step 2: Compare quotes from multiple insurers.
Get quotes from several insurers, and make sure you are comparing the same coverage, limits, and deductibles. Sometimes policies are cheaper because they don’t have the same coverage. This is also a good time to contact your current insurer to find out about discounts, or other ways to lower your cost. California Casualty offers discounts to nurses, educators, and first responders.
Step 3: Check for penalties and perks.
If you’re in the middle of your policy contract, there may be a penalty for canceling. Make sure you figure that into the decision to switch. You also will want to look for the perks, or little extras, that are offered. Some insurers offer inexpensive roadside assistance or accident forgiveness for qualified customers. Some have smartphone apps or are available 24/7 online.
Step 4: Do your research.
You want to know how your new insurer handles claims, and whether they have a good customer service rating. It may not be worth a lower price if it’s going to be a hassle dealing with the new company. Check out your insurer with the Better Business Bureau, JD Power, or the National Association of Insurance Commissioners.
Step 5: Make sure there’s no gap in coverage.
Car insurance lapses can be expensive, especially if you have an accident on the day in between. If you cancel one policy, make sure the other one is already in place. Your new insurance company can provide proof of insurance to your old company. However, they cannot cancel your policy. You need to do so. You’ll receive a refund for any unused portion. There may be a cancellation fee.
Pro Tip: Also remember to cancel automatic payments to your old insurer with your bank or credit card.
Step 6: Notify your insurer and lender.
Make sure to officially cancel your policy with your old insurer. Otherwise, your insurer will think you simply stopped paying your bill, and you could be liable for charges. Some insurers require 24 hours before canceling, so make sure you are aware of the terms. Also let your lender or lessor know about your new insurance if you are leasing or financing your car.
Step 7: Replace your insurance ID.
Once you make the change, ask for a digital copy of your insurance card. You can also order a printed card. Remember to place your new insurance card in your car’s glovebox.
Finally, if you have an open claim, wait to make a change.
You may not be able to change insurers if you have an open claim with your current insurance company. The claim has to be paid and closed. Also, the rate quoted from your new insurance company may not take into account that most recent claim. If that’s the case, you could have a big increase when you renew with the new company, or even be responsible for a retroactive fee.
Get started with a free quote today at mycalcas.com/quote.
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.
by California Casualty | Helpful Tips, Homeowners Insurance Info, Safety |
If you’ve ever accidentally set off the smoke alarm, you know how loud it can be. But that loud beeping is actually a good thing. Smoke detectors give us that important warning to get safely away in case of a fire. Some detectors do double duty and also alert to carbon monoxide.
However, don’t assume your smoke detectors are working if you’ve installed them once and then never touched them again. Batteries wear out, and detectors have a lifespan of only about 10 years. That’s why it’s important to test yours regularly and there is no better time than when you are spring cleaning.
Two types of detectors
You may have a battery-powered smoke detector or yours may be hard-wired. They look the same from the outside but they’re a little different.
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- A hard-wired detector is connected to your home’s electrical power with a cable that runs behind your wall or ceiling. They usually have a battery backup in case the power goes out. It is recommended that these detectors are installed by a professional electrician.
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- The battery-powered detector snaps into a plastic base that is screwed onto the ceiling or wall. In many newer models, batteries are non-removable and come with a 10-year warranty.
Follow these steps
Both types of smoke detectors have a test button that allows you to check if they are working. Test your smoke detectors at least twice a year, once in the spring and once in the fall, and replace them as needed.
Step 1: Let family members know you’ll be testing.
A smoke alarm could cause family members to think there is a real emergency, so let them know that you are going to run a test. Since the sound could frighten small children and pets, you may want to test while they are not around. In addition, if your smoke detector is connected to an alarm company, notify them or you could have the fire department show up at your door.
Step 2: Position someone away from the detector.
Ask a family member or friend to stand on another level of the house, to make sure the alarm is heard. You want to make sure that the warning is heard downstairs in the basement and upstairs, in case someone might be there when it sounds.
Step 3: Press and hold the test button.
You may need to stand on a chair or a ladder to reach the button on your detector. You can use a broom handle if you are able to reach it that way. Note that it may take a few seconds to start. You will hear a loud siren. If there is no sound or a weak one, the batteries and/or the detector need replacement. Make sure to repeat this test with every smoke detector in the house or apartment.
Pro Tip: Some smoke detectors can go into programming mode if you hold the button too long. Wait for the detector to return to normal before testing it.
Step 4: Try this way to check your detector’s sensor.
The test button checks that your detector is powered. However, it doesn’t check the smoke sensor. You can do so with an aerosol spray that you can purchase for a few dollars at a hardware store. Follow the directions on the can to spray the “smoke.” This is a safer way to check the sensor than lighting matches. After the test, you can use a handheld vacuum to remove the material from the detector.
Pro Tip: Some detectors have a button to push to stop the alarm. Find out if yours has one before you run this test.
Other important tips
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- If you have a detector where you have to change the batteries, you should replace them twice a year. (When we change the clocks is a great time to do that.) If your smoke detector is older than 10 years, you should replace it even if it is working.
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- Dust and dirt build-up can affect your detector. Keep your detectors clean.
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- Don’t paint your detector to match your décor. That can interfere with their ability to detect smoke.
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- Make sure you have enough detectors in your home or apartment. You should have one in your kitchen, but 10 feet away from cooking to avoid false alarms. You also will want to place them inside every bedroom and outside each sleeping area, on every level of your home, and in places where you keep flammable substances like the garage.
You want to be fully prepared in case of a fire, and not just with smoke detectors. Talk with your insurer about your home and property to ensure that you are fully covered.
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.
