Q: California's New Auto Insurance Limits Law

Effective Jan. 1, 2025 , the minimum liability coverage required under the law will increase to the following amounts: $30,000 for Physical Injury or Death for One Person $60,000 for Physical Injury or Death for Two or More People $15,000 in Property Damage Coverage These limits are in effect until January 1, 2035. In 2035, the mandatory minimum liability coverage will then increase to: $50,000 for Physical Injury or Death for a Victim $100,000 for Physical Injury or Death for Two or More Victims $25,000 for Property Damage

Question 1

What Types of Auto Accidents Exist?

Accepted Answer

A Single Auto Accident
Multi-vehicle Accidents
Truck Accidents
Semi-Truck Accidents
Tractor-Trailer Accidents
Motorcycle Accidents
Pedestrian Accidents
Bicycle Accidents
Hit-and-Run Accidents
Ride-Share Accidents
Public Transit Accidents
Car Accidents Involving Children

Question 2

How Do I Get Compensation for an Auto Accident?

Accepted Answer

One of the main things that accident victims have to worry about is being fairly compensated for their injuries. There are two main ways that this will generally happen, and each has its own pros and cons.

Settlement

In an auto accident, resolving a case in a settlement means accepting the amount of money that an insurance company offers. One of the main benefits of handling a case this way is that it will typically end a case much quicker than going through the court system. In addition, a client and their attorney have a good deal of power during this process-they can negotiate until they get the amount they want and reject any settlement that isn't acceptable.

Going to Court

If a victim doesn't receive a fair settlement offer, they may need to file a lawsuit to get their compensation. Lawsuits may result in a higher payout, but they typically take much longer and involve more costs and expenses, and there is no guarantee that a court or jury will side with you. At Garcia Preciado Law, we will pursue the best option for you.

Question 3

After a Car Collision, Who Do I Sue?

Accepted Answer

There are many parties who might be liable for your injuries, and ultimately it will depend on the facts of your specific case. Garcia Preciado Law will pursue all potential liable parties on your behalf to obtain fair compensation.

If the other driver was driving under the influence or failing to obey the rules of the road, they could potentially be held liable. Additionally, a car manufacturer could be held liable if their car malfunctioned, and in some cases, a government entity could even be held liable if the conditions on the road are what cause a crash.

Question 4

Should I Release Medical Records to Another Driver's Insurance Adjuster?

Accepted Answer

Generally, it is important to remember that the other insurance adjuster involved in the case wants to pay you as little as possible. While they may ultimately need to see your records, they only need to see specific records pertaining to your accident. If records are not necessary, but the insurance company receives them, they could use any health information against you.

Garcia Preciado Law can help edit this request to ensure that only the records needed are released.

Further, it is always important to have an attorney with you when you speak to your own insurance company. You want to give only the facts. Your own insurer has its own interests and also wants to prevent a payout. This is especially true when you need to file a first-party claim with your own insurance.

Question 5

How Much Money Can I Get From an Auto Accident Claim?

Accepted Answer

This is a very popular question. Everyone wants to know how much they could get from their auto accident claim. Unfortunately, no universal answer exists to this question. Any settlement or jury award will be based on the unique facts and circumstances of your case. Settlements can range anywhere from hundreds of dollars to millions of dollars or more. It also depends on the attorney you hire. Some are more inclined to settle as quickly as possible, while others are willing to fight at all costs to ensure you receive maximum compensation.

Question 6

California's New Auto Insurance Limits Law

Accepted Answer

Effective Jan. 1, 2025, the minimum liability coverage required under the law will increase to the following amounts:

$30,000 for Physical Injury or Death for One Person
$60,000 for Physical Injury or Death for Two or More People
$15,000 in Property Damage Coverage

These limits are in effect until January 1, 2035. In 2035, the mandatory minimum liability coverage will then increase to:

$50,000 for Physical Injury or Death for a Victim
$100,000 for Physical Injury or Death for Two or More Victims
$25,000 for Property Damage

Question 7

Uninsured and Underinsured Motorist Coverage

Accepted Answer

Due to increases in your liability coverages, your uninsured motorist (UM) and underinsured motorist (UIM) coverages must increase to match them. The coverage expansion means you also gain protection in case of an accident with an uninsured or underinsured driver.

For example, you may want to have matching limits of $30,000/$60,000 liability coverage and UM/UIM coverage. Or you may want to increase your liability coverage, for example, to $250,000/$500,000 in your car insurance. At Garcia Preciado Law, we recommend you carry a minimum of $100,000/$300,000 UM/UIM coverage to protect yourself against an uninsured or underinsured driver.

Sometimes, insurance agents will ask you if you want to waive your UM/UIM coverage to save a few dollars. This is risky, and we never recommend it. If an uninsured or underinsured driver hits you, you will not have any coverage.

Question 8

The New Insurance Minimums Impact Your Chances for Compensation After an Accident

Accepted Answer

The new minimum insurance coverage requirements significantly impact your compensation for injuries suffered in a vehicle collision. If a negligent driver causes your injuries, you can seek damages up to the maximum covered by their insurance policy.

While these new requirements will increase the minimum available to accident victims, they do not affect the determination of fault in California. Working with an experienced auto accident lawyer is advisable to help assess fault and help you win maximum compensation under California's pure comparative negligence statute.

Question 9

If I Don't Feel Hurt After an Auto Accident, Do I Have to See a Doctor?

Accepted Answer

Certain injuries might not present symptoms immediately after an accident, and getting to a medical professional can catch those injuries. In addition, an opposing attorney or insurance adjuster might try to argue that a delay in seeking medical treatment means that a victim's injuries were not actually from the accident. Going to the doctor after an accident can cut against these kinds of arguments.

Question 10

What Should I Do After an Auto Accident?

Accepted Answer

First and foremost, you should contact emergency services and seek medical attention. But you also want to:

Exchange information with the other parties to the accident, which includes names, insurance, a driver's license, and phone numbers.
Gather evidence, like pictures and video of the scene, the surrounding location, the vehicles, property damage, and injuries (if any).
Get the names and contact information of any eyewitnesses, as well as a brief recorded statement, if you are able to do so, because their recollection will be best on the scene, and preservation of it will be best if recorded either in writing or by video.
Consult with an attorney so that you can obtain a good understanding of whether you have a compensable case and how to go about pursuing what you are legally owed.

Question 11

What Should I NOT Do After an Auto Accident?

Accepted Answer

Here is what you should NOT do:

You should never leave the scene of an accident. If you leave a scene, especially when someone is injured, it is a hit-and-run, a criminal offense. You must stay with your vehicle and contact emergency personnel if someone is injured.
You should not leave your vehicle where it can pose a risk to others. If you can, move the vehicle to a safe location. If you cannot move it on your own, contact someone who can.
You should not ignore calling 911. Even when no one is injured, you should still contact 911. The police will investigate and write a report that can later be used to help identify liability.
Do not forget to exchange information. Try not to let fear or anxiety get the best of you. You really need to obtain contact and insurance information from the other party involved in the collision. Insurance will be critical to the recovery of compensation.
Do not underestimate your injuries. Some injuries are delayed (like whiplash), while others may not seem serious (like bruising, as there may be internal bleeding). You should get checked out by a doctor.
Do not admit fault. Even if you think or know you are at fault, do not admit it. The other party may have contributed in some way, too.
Do not contact or give a statement or documents to the other party's insurance company. You must speak to your own insurance company, but you are not obligated to do the same with any other insurance company. To do so could jeopardize your case. Either your attorney or your own insurance company can communicate with the other party's auto insurer.

Question 12

How Much Will an Auto Accident Attorney Cost?

Accepted Answer

At Garcia Preciado Law, you don't pay any attorney fees unless we win.

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