California Casualty

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Assumed Answered]
Complaint: [redacted]
I am rejecting this response because: The amount of junk mail received fron Cc made the cancelation of the policy easy to be overlooked. When a suggestion of a registered letter was expressed pertaining to the safety of my family and property, (over peeled paint and 5 to 8 torn shingles ).  The response was "IT WOULD NOT BE FINANCIALLY FEASIBLE TO DO THIS FOR ALL OF OUR CUSTOMERS. "
Regards,
[redacted]

My vehicle was stolen on 3/15/16 and involved in a single car DUI accident. My car was recovered and in the custody of the police the morning the theft occured. I immediately called California Casualty to begin my claim for repairs or if the vehicle was deemed totaled. It took California Casualty 3 days to pick up my vehicle for it to be sent to California Casualty's storage facility where my vehicles damages could be assessed. On 3/21/16 I received a call from a storage facility affiliate saying they don't know the location of my vehicle. After checking and rechecking they confirmed the location of my car, that was on Monday 3/21/16 at 8:34 am. We now move ahead to today, Thursday 3/31/16 and I haven't heard one thing from California Casualty in 16 days. I have sent numerous emails for communication and none have been returned. The claims agent, Jennifer [redacted], has completely ignored my emails and any form of communication with me. She will now be out of office until 4/4/16.

This company sucks! They quoted me a price and told me it was for full coverage insurance but when I received my paperwork in the mail it was for liability only. I tried to call my representative but he was no where to be found and would not return my calls. The supervisor convinced me they would resolve the issue if I stayed with the company. Six months later and my only resolution was to pay extra for full coverage I originally purchases. The one time I used my roadside assistance my car was delivered to the garage after it had been ransacked and several items taken by the tow truck driver. I have been trying for the last 3 days to contact the company and cancel my policy but I am unable to get anyone on the phone, even the claims office is not answering their phones. This is the worst insurance company I have ever dealt with. Completely unprofessional.

I have been a policy holder with this company since 2004. Though I have had mostly positive experiences with my auto insurance, I am sorely disappointed with their honesty in representing their renters insurance coverage.
The following is an account of the issue I am referencing:
I was told to purchase a replacement charger for my car and to submit the receipt for reimbursement. This statement led me to believe that this was entirely covered by my renter's policy, so I purchased a new charger for my Ford C-Max. (I had considered the puchase of a used charger, but based on the positive response I got from the adjuster, decided to purchase my new charger). I learned today, 7/11, that my car charger would not be reimbursed, and I made the purchase on 6/14.

California Casualty is a disreputable, unethical company. Do not put your trust in them. I recently turned my home into a rental. It is a nice home and wanted to switch my insurance to landlord's mortgage insurance. The company they sent to inspect the property- [redacted]-- blatantly lied about even getting into the property and then when they did get into the property, Ca Casualty promptly canceled the insurance (backdated it) because they claim the roof is 18 years old. The roof is not leaking, nor has it ever leaked or had any problem. Ca Casualty did not give the required 30 days notice, made no effort to have me fix whatever issue there is-- they just cancelled. I have been with them for 10 years and have had only 1 claim for 1 of 4 cars-- I dented a bumper of a car in a parking lot. They have made a ton of money from me. Call to the agency return a "Sorry, but that's how our underwriters operate these days. " AVOID THEM......UNETHICAL

Thank you for the opportunity to address your concern.   California Casualty like other insurers use third-party vendors, agencies and organizations to collect current customer information used to underwrite and rate the policy.  Such organizations may include the Dept. of Motor...

Vehicles, US Dept. of Transportation, consumer reporting agencies and insurance support organizations.  On January 21, 2015, you were mailed a letter advising of your upcoming auto policy renewal.  The letter asked that verify policy information such as vehicles, drivers and an estimated mileage that would be used in the calculation of the renewal premium.  It was explained the mileages are estimates and could impact your renewal premium.  You were asked to contact the Company by February 24, 2016 to report any corrections needed.  The Company’s website address and toll-free phone number were provided for your assistance.   Finally, the letter stated if the information was correct you need not respond and the changes would be reflected on your upcoming renewal.   There is no record of you contacting California Casualty to correct or dispute the policy information.  As a result your policy renewed effective April 30, 2016 with the information outlined in the January 21, 2015 letter.  One premium payment of $276 was received and applied on May 2, 2016.   On May 3, 2016 you spoke with a Customer Care Specialists who reviewed your policy information and amended the mileage per your request that day.  This amendment generated a credit reducing the annual premium.   The single payment received and the credit amendment was applied against the renewal premium.  Your monthly payments were recalculated based on the adjusted premium and the number of payments remaining resulting in a monthly payment of $230 rather than $276.  The new monthly payment is lower than your monthly payment on the prior policy which was $250.   To assist you with the reconciliation of your premiums and the monthly payments, I am sending copies of the E-Z Pay Schedules for both your current and prior policy.  If after reviewing the schedules you still have questions, I invite you to speak with a Customer Care Specialist at [redacted] who will be able to clarify any remaining questions.

I replaced my roof March 2014 and then received a letter stating, "There is puckering where the roof shingles from the adjacent unit meets" in Nov. of 2014. I was told that they could send me the pictures; I do not need to see pictures when I can see my brand new roof in person. This is not the only problem with this company. Save yourself some time and trouble and go with a better company. I no longer want cognitively deficient people handling my home and auto insurance. If they cannot tell when something is brand new, a problem exists.

You don't want to be the victim here. Our body shop has had our car 15 days and this company is still taking their sweet time approving parts that need replaced & we've yet to receive a final price due to a previous dent on the opposite side of the rear bumper! NOT A GOOD COMPANY!!

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory provided that it includes balances owed the insured. 
Regards,
[redacted]

We have settled [redacted] claim as her car was a total loss and are waiting on the paperwork to complete the claim.  We have agreed to reimburse her rental and she is currently in a rental at our expense.

I was a customer with California Casualty and have since moved to another provider. After an accident in January I was called by the company several times and by several different individuals to allow them to take my car. The adjuster never inspected my car and it took a week until the car was inspected yet the contact person at the company wanted the car released to them. They said the car was totaled because of my description. The mechanic advised me not to release it because no adjuster saw the car. I was constantly being harassed to release the car and when I threatened to report the car to the Revdex.com and Office of Consumer Affairs I received an email telling me the car wasn't a total loss all of a sudden.

In the end the car was repaired and runs fine. I had six months left to pay the car off and it was in excellent condition and only $70,000 miles at the time. I really feel that they were trying to take my car and auction if off. Now that I finally cancelled the policy I was told that I have to wait two weeks to get my final payment back because they set up taking out the payment 10 days before it's due and can't stop the payment from being taken out of my account. I should have just left right away that was my mistake and my greater mistake was signing with them. Buyer beware!

Review: Please see my letter of demand, which will be sent to this business via certified mail tomorrow, below. It provides extensive details concerning the nature of my grievance.

To Whom It May Concern:

On Thursday, November 19, at approximately 4:20 p.m., your insured, [redacted] (Policy #[redacted] failed to yield while making a left turn from West Michigan Avenue onto West Beacon Street. This failure to yield, for which he was cited by the officer who arrived at the scene, resulted in his colliding into the passenger side of my 2001 Toyota Corolla. I had been driving in the right lane of Beacon Street when I saw your insured edging out of West Michigan Avenue. Although it was plainly evident that traffic did not permit him to execute his left turn, it was clear he intended to proceed regardless. Accordingly, I moved my vehicle into the left lane in an unsuccessful attempt to avoid his vehicle hitting mine. After he hit me, I returned to the right lane and pulled over to the side of the road. After hitting my vehicle, your insured backed his 2006 Toyota Tacoma pickup truck back down West Michigan Avenue. In order for me to get to his vehicle from this position, I would have had to make an illegal U-turn at the beginning of rush hour on a busy road in a severely damaged vehicle. In order for your insured to get to my vehicle, he would simply have needed to make a right turn onto Beacon Street from West Michigan Avenue and proceed a few yards. I waited for him to do so and he did not. Accordingly, I drove my vehicle for the approximately ten minutes it took for me to get home and filed a hit-and-run report with the Boise Police Department. It turns out that while I was doing this, your insured was filing a hit-and-run report against me. Upon learning this, I originally attributed these circumstances to an honest misunderstanding between both parties.

I subsequently filed claim # [redacted] with California Casualty on the evening of November 19th and made a recorded statement with California Casualty containing the facts stated above on Friday, November 20th. I learned that Kristen W[redacted] is the investigator assigned to my case. I left her a voicemail on Monday, November 23rd, which she returned on the morning of Tuesday, November 24th. She informed me that her repeated daily attempts to contact your insured have gone unanswered and that he has thirty days to provide a recorded statement. She informed me that if he elects not to respond, then my claim will not be honored. In light of this, I now maintain that what I originally believed was an honest misunderstanding between both parties is a bad-faith attempt by your insured to avoid the consequences of his liability for the accident he caused. As your insured is the at-fault party in this collision, California Casualty is responsible for paying for the damages sustained to my vehicle. There is ample evidence and testimony to indicate the insured’s liability for the collision whether or not he chooses to provide a recorded statement.

I am in possession of a written estimate from [redacted]located in Boise, that appraises the cost of repairing the damage to my vehicle to be at $3,723.06, a sum that straddles the “total loss” category for the worth of the vehicle. Accordingly, I am seeking this sum from California Casualty. Additionally, I have been without the use of my vehicle since the accident occurred, as it was deemed unsafe to drive by [redacted] Therefore I am also seeking reimbursement for the car I have been obligated to rent in order to get to and from work. The total as of this date for the rental car is $321.72; I will be seeking additional reimbursement for the cumulative expense of renting this vehicle for the necessary duration due to the delays caused by California Casualty’s refusal to resolve this claim.

If reasonable measures are not taken to reimburse me for the above-referenced damages within the next ten business days—by Thursday, December 10th—I will be seeking legal remedies against both California Casualty and the insured. I have consulted an attorney and am prepared to take the next steps in the litigation process. As there is a two-year statute of limitations with respect to this case, any attempts to delay the just dispersal of damages by California Casualty or the insured are an exercise in futility. I will be seeking the testimony of the officer who cited the insured for his failure to yield on a left turn, the independent witness at the scene of the accident, and the independent appraiser who assessed my vehicle on behalf of California Casualty. The damage to my car—which clearly indicates that it was hit by the insured—has been extensively photo-documented by the Boise Police Department, [redacted] the independent appraiser, and me. This evidence, in addition to the officer and witness testimony, as well as the citation the insured received for the failure to yield on a left turn which resulted in this collision dispose any pending litigation on my part toward success, if this cannot be avoided. I look forward to your prompt response in this matter.

Best regards,

[redacted]Desired Settlement: As the company's insured is at fault, and they already have access to abundant evidence that this is the case sans the recorded statement he refuses to provide, and as an expedient resolution to this grievance is necessary for me to continue to travel to and from work, I require reimbursement of the damages I sustained in this collision.

Business

Response:

We have settled [redacted] claim as her car was a total loss and are waiting on the paperwork to complete the claim. We have agreed to reimburse her rental and she is currently in a rental at our expense.