Carolina Casualty Car Insurance Review & Ratings (2022)

Carolina Casualty is a top trucking and public vehicle insurance provider. You must have a fleet of at least 50 units to get commercial coverage, and public sectors must operate at least ten vehicles.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Apr 6, 2022

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The Rundown

  • Carolina Casualty offers insurance to large fleets of commercial trucks
  • If a driver insured by Carolina Casualty causes damage to your car, you can use its online form to submit a claim
  • Carolina Casualty has been in business for 75 years, often pioneering the insurance standards in the trucking business

Carolina Casualty Insurance Company sells commercial insurance for trucks and other vehicles used for commercial purposes. It focuses in particular on the trucking and public transportation industries. The company is financially sound, having earned an A+ rating from A.M. Best.

Below, we’ll discuss the types of policies offered by Carolina Casualty as well as the company history and reviews and ratings so you can make an informed choice about your insurance needs.

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 insurance for taxi services or party buses. 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

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 CompanyRating CategoryRating
A.M. BestFinancial size category XVA+ (Superior)
Standard & Poor'sLong-term issuer credit and financial strengthA+ (Strong)
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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.

How do I report a claim with Carolina Casualty?

If Carolina Casualty is your insurance provider, you can contact an agent by phone or the claims address listed in your policy. 

Reviews of Carolina Casualty insurance company claims show that the process is easy. These reviews also shared that agents called back on or within a day of the report. Both insured and non-insured drivers can use the online form for making a claim. 

For non-insured drivers making a claim, the form will ask you several questions. The online form asks you to get the full name and policy number of the driver insured by Carolina Casualty.

This form is a little different than standard car or truck insurance forms. You will need to answer each field, even if the answer is no or not available. If you don’t know an answer, it might be best to call your insurance company first for directions. 

Other fields on the claims form include:

  • Fuel spill 
  • Option loss form

The option loss form is only for Carolina Casualty drivers. A driver reporting an accident caused by a Carolina Casualty driver won’t need to download that form. 

Remember to make copies of any documentation you have from an accident. It is also good to get copies of all paperwork. Take pictures of the vehicles in the accident and the surrounding area if you can. If possible, you should also call your insurance company and file a police report.

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.

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