No, You do not have those policy features.

Those features are not allowed in California. The commercials you see on TV are part of national ad campaigns paid for by the companies who offer them. If you look closely to the fine print disclaimer on those ads, you'll often see that California is one of only two states that do not allow these discounts. New York is often the other state.

All California insurance policies are regulated by the California Department of Insurance. They do not allow for any company to offer "accident forgiveness", or "bonus checks" in California