Pros: The insurance was cheap.
Cons: Rude, unhelpful and treated me like I was an opponant rather than a customer.
I was rear ended by a 17 year old boy on April 3, 2010. At the time of the accident, I wasn't aware the driver was uninsured. When I initially filed my claim with California Casualty, I was told that if my car was totaled, I would be able to negotiate the amount of money I would receive to replace my car with the insurance provider of the person who hit me by providing them with current listings of cars comparable to mine that were available in my area. A few days later, I found out the boy who hit me wasn't insured. After California Casualty found this out, they were unwilling to negotiate with me on an settlement amount I received. They gave me the minimum legal obligation and told me it wasn't their problem if I couldn't find a car for that much money. Additionally, California Casualty wouldn't allow me to keep a rental car up to my 30 days/$600 maximum that my policy covered while I looked for a car to replace my totaled car and I was forced to make a much faster decision about a replacement car. Now, over two months later I am trying to get a bill paid for a doctor visit I had to make sure I wasn't hurt after the wreck. Initially, I was told I needed to send California Casualty a copy of the bill so they could make the payment. After having done that, I received a late payment notice from my doctor informing me the bill still hadn't been paid. When I called to follow up with California Casualty, I had to leave a voice mail. After two days passed without receiving a call back, I made another call to find out what the problem was and to ensure I wouldn't be responsible for any late payment charges that might be charged. The agent said she could make no guarantees and said I should speak with her supervisor. Her supervisor also said she would make no guarantees but said she would look at my claim and call me back. When she did call me back, she informed me that they were waiting on the doctor's office to send them an itemized bill they had requested and I would "probably" not accrue any other charges. I was upset that she couldn't make me a guarantee since I had completed everything they asked of me and by the end of the call she informed me that I would also need to sign a form that gave them access to my medical records. The form they asked me to sign states that I'm not required to sign it and so I told her I didn't want to give them access to anything I didn't have to legally sign. She then told me that if I didn't want to sign the document, then I shouldn't file a claim because they won't approve anything without looking at my records. When I asked her where in my policy it stated I had to sign the release or they would refuse payment, she couldn't cite anything but assured me without the medical record consent they wouldn't approve any payments. I am now approximately $1500 dollars more in debt as a result of an accident I wasn't responsible for and I am still waiting on a visit to the doctor to be paid.