The California state mandated insurance liability minimums is 15/30/5. Let's say for example, you are driving around (with this minimum insurance) and (for example) another car (also with the minimum insurance) t-bones your vehicle when they run a red light. You end up in the hospital with severe injuries in excess of $100k, you miss a month of work and your car was totaled. You hire our law firm to help you put your life back together while you continue to recover from your physical injuries. Our firm can negotiate with your doctors' liens and work our hardest to find you the maximum recovery for your case, but in many situations we are limited to the maximum liability of both parties' insurance policies.
There have been a number of instances where we have been able to recover more for our clients. However, it is important to educate our clients (and future clients). You always need to assume the worst about the "other driver." You should assume they will be uninsured. You should also assume that if they are insured, they have the most skeletal coverage. We strongly suggest you protect yourself just in case you (God forbid) ever find yourself staring at the ceiling of a hospital room because of someone else's careless driving. Contact your insurance agent today and ask them for a detail of your policy. Make sure you have both "UM" and "UIM" protection.
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