Carolina Casualty Car Insurance Review & Ratings (2024)

Welcome to our comprehensive Carolina Casualty Car Insurance Review & Ratings. Are you looking for detailed insights into Carolina Casualty’s car insurance offerings? Look no further.

In this article, we provide an unbiased analysis of their coverage options, customer satisfaction, claims process, and overall reputation in the industry. We delve into the strengths and weaknesses of Carolina Casualty, enabling you to make informed decisions about your car insurance needs.

To ensure you find the best insurance provider, enter your zip code below and compare rates from top-rated companies. Protect your vehicle with the right coverage at the best possible price. Drive with confidence knowing you’ve made a well-informed choice.

What type of insurance policies does Carolina Casualty offer?

Carolina Casualty only offers coverage to commercial trucking industries and public transportation. It does not offer personal car insurance.

The company offers coverage to trucking fleets with more than 50 units, including:

• Flatbeds
• Large fleets
• Dry bulk tankers

Insurance coverage for trucking fleets can include non-trucking liability with property damage options. You can also tailor your coverage with Carolina Casualty’s optional coverages. These upgrades are subject to change, meaning you may need to buy them as a whole policy.

Carolina Casualty’s insurance upgrades include:

• Basket deductible
• Broadened pollution
• Blanket waiver of subrogation

Since Carolina Casualty only insures large fleets, these insurance upgrades could help cover all your vehicles with one comprehensive policy. 

Carolina Casualty requires 10 or more public transportation vehicles to receive coverage. It extends insurance coverage options to both public schools and school bus contractors. 

Other public transportation sectors that may qualify include:

• Limousine services
• Charter and tour operators 
• Municipal transit authorities

Carolina Casualty does not offer business insurance for party bus rentals or taxi services. The services it doesn’t have pose the most risk for an insurance company.

Other high-risk public transportation services not covered by Carolina Casualty are:

• Airport shuttles 
• Non-emergency medical vehicles 
• Non-yellow school van operations

Read more: Best Business Insurance for Airport Shuttle Services

The last item on our list — non-yellow school van operations — could present a problem for your school district if you include all vehicles in your insurance policies. Many school systems don’t, but smaller schools and rural school districts should be aware that these are ineligible. 

Coverages offered by Carolina Casualty meet or exceed industry standard plans. The standard plan has many options, including personal injury protection. 

Other coverages offered for public sector vehicles include:

• Garage liability 
• Underinsured and uninsured
• Garage keepers legal liability

The upgrades from Carolina Casualty for public vehicles are called coverage enhancements. You may also be able to add more specific coverages under the enhancements, such as:

• Extended towing
• Hired and non-owned liability
• Identity theft expense reimbursement

You also can increase your policy limits, excess physical damage, and catastrophe coverage.

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What do Carolina Casualty ratings mean to me?

Insurance companies must prove they can pay on policies offered. States regulate and monitor all insurance companies. For Carolina Casualty, there is more scrutiny because the company insures city and state vehicles.

Independent Rating Company	Rating Category	Rating
A.M. Best	Financial size category XV	A+ (Superior)
Standard & Poor's	Long-term issuer credit and financial strength	A+ (Strong)

Carolina Casualty is part of the W. R. Berkley Corporation. Both companies are highly rated for all insurance metrics, meaning they can pay out their claims. Carolina Casualty also has a proven system for reporting and processing claims.

Are Carolina Casualty reviews good?

Carolina Casualty has an A+ rating from A.M. Best, which means the company is in excellent financial health.

We found few reviews from Carolina Casualty customers, most likely because it is an insurance provider to other businesses. The few reviews we did find are positive, reporting that Carolina Casualty helped them with their issues and was professional.

The reviews from non-customers were also sparse. What we read in these reviews is typical for an insurance agency. People reported getting denied on claims they felt should have been paid.

Non-customers also reported that Carolina Casualty returned calls and updated them on the claims process. 

How long has Carolina Casualty offered commercial truck insurance?

Carolina Casualty Company was founded in 1943. Many things were changing in America in the 1940s, including roadway expansion. Many companies in the 1940s used large trucks to move their merchandise, and only the U.S. military had fleets of true cargo trucks.

During this period, Carolina Casualty saw a need for a different kind of insurance. The needs of professional commercial truck drivers are very different from the general population of drivers. Carolina Casualty started offering insurance policies while states and government agencies worked to keep up with a growing nation.

One thing that sets Carolina Casualty apart is the risk management system for writing policies. There are many commercial vehicles types it doesn’t cover.

These commercial vehicles include:

• Garbage haulers
• Logging operations
• Mobile home movers

These are only a few vehicles types or industries Carolina Casualty doesn’t cover since they are high-risk vehicle operations. Carolina Casualty’s model is to offer insurance to transportation sectors with lower risk, keeping the company financially stable.

It also offers long-haul trucking companies, cities, and states a specialized insurance company focused on their needs. 

If you qualify for insurance through Carolina Casualty, you will have many years of good business experience behind you and the strength of a large company doing business personally. 

Carolina Casualty lists its core values and mission statement on its website. Some of its core values include:

• Teamwork
• Creativity
• Innovation

Its core values also highlight the importance of good work and taking care of clients.

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How can I contact Carolina Casualty?

You can reach the company by calling the Carolina Casualty Insurance claims phone number at (800) 874-8053 or its toll-free number at (904) 363-0900.

Carolina Casualty has a straightforward and easy-to-use website. You can quickly see which commercial vehicle types it can and can’t cover. Carolina Casualty’s “Contact Us” page lists individual emails for each issue you may have.

These insurance-related issues include:

• Loss runs
• Billing inquiries 
• Claims reporting

Loss runs are a report of all claims you have made. Insurance companies use these to rate trucking and public transportation companies’ insurance risk.

Is Carolina Casualty available in all U.S. states?

No, Carolina Casualty is unavailable for trucking companies or public transportation services in the following states:

• Alaska 
• Hawaii 
• Massachusetts

There is a $25,000 deductible for Louisiana customers for an insurance policy, though coverage levels vary by state.

Developing a Clear Understanding of the Claims Protocol at Carolina Casualty Car Insurance

Ease of Filing a Claim

Carolina Casualty Car Insurance offers multiple channels for filing insurance claims, ensuring flexibility for its policyholders. You can easily initiate a claim through their online platform, over the phone, or by using their mobile apps. This accessibility makes it convenient for customers to report incidents and begin the claims process in a way that suits their preferences.

Average Claim Processing Time

The efficiency of claim processing is a crucial factor for policyholders. Carolina Casualty aims to streamline this process to minimize inconvenience for their customers. While specific processing times may vary depending on the nature and complexity of the claim, the company strives to handle claims promptly.

However, it’s advisable to check with them for the most accurate information regarding claim processing times.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable indicator of an insurance company’s performance in handling claims. While there may be limited reviews from policyholders due to Carolina Casualty’s focus on commercial insurance, early indications suggest positive experiences with claim resolutions and payouts. Customers have reported professionalism and responsiveness from the company in assisting with their claims.

It’s essential to explore individual experiences and gather insights to assess their claims service thoroughly.

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Carolina Casualty Car Insurance Digital and Technological Progress: Reinventing Insurance

Mobile App Features and Functionality

Carolina Casualty Car Insurance provides a mobile app designed to enhance the convenience of managing your insurance policy. The app likely offers features such as policy access, claims reporting, bill payments, and document uploads. These functionalities empower policyholders to access essential services on the go, making it easier to stay in control of their insurance needs.

Online Account Management Capabilities

The company offers robust online account management capabilities, allowing policyholders to have full control over their policies. Through their online portal, you can review policy details, make changes to coverage, track claims, and access important documents. This online convenience simplifies policy management and keeps customers informed.

Digital Tools and Resources

Carolina Casualty Car Insurance is likely to offer a range of digital tools and resources to assist policyholders in making informed decisions. These tools may include insurance calculators, educational resources, and FAQs to help customers better understand their policies and coverage options.

By providing these digital resources, Carolina Casualty aims to empower its customers with the knowledge needed to navigate the complexities of car insurance effectively.

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