It’s always in your best interest to report a claim right after an incident occurs to preserve key evidence and ensure timely processing. According to your policy, if you wait too long it may affect coverage.

An after-hours reporting service will take your information and our claims team will contact you the next business day.

You can call a CalCas claims rep at 1.800.800.9410, option 4, or if you have an online account, you can sign in to manage your account and report your claim online.

You can call a CalCas claims rep at 1.800.800.9410, option 4, or you can report your claim electronically through your online account.

If you have towing and roadside assistance on your policy, please call our towing and roadside provider at 1.800.331.7350. This number can be found on the back of your auto ID card.

You can file a glass claim online with Safelite (also accessible by signing in to your account), call our windshield repair partner directly at 1.866.686.2241, or speak with a CalCas claims representative to help walk you through the process at 1.800.800.9410, option 4.

A claims representative will ask about your claim and, in some cases, record your statement. They’ll provide you a claim number, and the name of the adjuster handling your claim, and may even assist in kickstarting minor repairs then.

• For more severe auto claims, you may be asked to move your vehicle to a storage free facility where we can complete a repair estimate.
• Fore more severe homeowner claims, we may coordinate an inspection of the damages.

An after-hours reporting service will take your information and our claims team will contact you the next business day.

If you need to complete any forms, we will send you a custom packet with instructions. Please complete those forms to the best of your ability and return them to us. If you do not receive the forms within 10 business days, contact your adjuster.

Always contact your police department to file a report in the event of a stolen vehicle, theft of property, vandalism or hit-n-run. A report is sometimes required to provide coverage under your policy.

You have the right to choose any repair facility. If you need help choosing, please ask your adjuster for recommendations from our Guaranteed Repair Network.

If your car is safely drivable, you will be sent a Link to submit photos of your damage car. These photos will be used to write an initial repair estimate to facilitate the repair process. Before authorizing any repairs, make sure an estimate has been approved.

On larger losses, you may be asked to have your car towed to a storage free facility where an estimate can be written to determine repairability.

When you sign a repair authorization, we pay the body shops directly after the repairs are done. It’s your responsibility to pay your deductible and any depreciation directly to the repair shop after repairs.

It depends on the amount of damage, availability of parts, and the body shop’s workload.

We’ll determine your vehicle’s value by using a market survey of vehicles in your area of like year, model, equipment and condition. A total loss adjuster will contact you to explain your settlement. A check will be issued once we receive all properly completed total loss paperwork.

If you’re determined to be at fault for a collision and another (third) party sustains bodily injury or property damage as a result, your adjuster will handle any third-party claims.

If you’re contacted by an injured party or their representative, please refer them to your assigned adjuster. Your adjuster will determine the appropriate amount of damages and attempt to settle the other party’s claim. Typically we don’t discuss third-party payments with you. If a lawsuit is filed, we will contact you with further instructions.

If you were injured in an accident and have coverage for those injuries, your claim will be assigned to a medical claim specialist. You will be contacted by your medical claims specialist regarding your claim and next steps.

Your claim process will start with a discussion of what happened. Depending on the situation, your loss may be handled virtually using photos and information from vendors or contractors, or may require an inspection.

For personal property losses, you will need to provide us with information on the items you are claiming so that we can determine costs for like kind and quality replacements. In the event of a theft loss, all items you claim with us must also be reported to the police.

Any settlement is subject to the applicable policy limits and sub-limits listed on your declarations page or within your policy and endorsements. Settlements include a deduction for an applicable deductible and depreciation, which is recoverable if you carry Replacement Cost Coverage once repairs are completed. If you have a Mortgagee, they will be included on payments for your Dwelling and/or Other Structures.

For personal property claims (your belongings), you will be paid the actual cash value unless the item is excluded or has a special limit. Depreciation may be recoverable if you carry Replacement Cost Coverage for your personal property.

If you can’t live in your house because of a covered loss, your adjuster will talk to you about coverage for temporary additional living expenses. This coverage provides for expenses above your normal expenses due to the loss.

If you own a property that you rent to others, you may have coverage for your loss of rents caused by a covered loss that makes the home uninhabitable. We will ask for lease agreements to substantiate available coverage for this cost.

There are several factors that can impact the timeline for repairs. Some common factors are the extent of damage, material availability, contractor’s availability, and factors like inclement weather. We may ask your contractor for an approximate time frame of repairs, but you should also discuss this with them before signing a contract so you know what to expect. If you have concerns about the time frame, your adjuster may be able to help. Even once the claim is settled, you can reach out to your adjuster at any point in the process for assistance or guidance.

Please call your assigned claims adjuster for all updates. It may take them a day to respond if they are in the field and/or have numerous policyholders to support at that time.

You may also call our Claims Team at 1.800.800.9410, option 4 if your adjuster has not gotten back to you as needed.

A few examples of insurance fraud to look out for and report are:

• Faked or inflated auto or home losses
• Phony injuries or inflated medical bills
• Faked or inflated repair bills

The National Insurance Crime Bureau (NICB) has several fact sheets and checklists for you to review to learn more about identifying and preventing fraud.

California Casualty has an effective anti-fraud program, collaborating with State Departments of Insurance, state and local law enforcement, and organizations such as the National Insurance Crime Bureau (NICB). Employees are trained to prevent, identify, and report insurance fraud.

If you suspect fraud, notify the police or California Casualty at 1.800.842.5848 or 1.650.572.4666.

You can also anonymously report fraud to the NICB in three easy ways:

• Call 1.800.TEL.NICB (1.800.835.6422)
• Text the keyword “FRAUD” to 847411 (TIP411)
• Submit a form at www.nicb.org