Navigating Proper Insurance Limits in California: A Personal Injury Attorney’s Guide

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    Having practiced personal injury law for over 22 years in the beautiful yet bustling state of California, I’ve witnessed firsthand how accidents can turn lives upside down in their aftermath. Navigating and understanding insurance limits during an accident, the emotional and financial toll can be immense. Proper insurance coverage is the safety net that makes a significant difference. Today, I want to share insights on the recommended level of insurance to keep in the Golden State, the importance of higher policy limits, and how umbrella coverages can be an invaluable asset.



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    Understanding Insurance Requirements in California

    In California, the law requires drivers to carry minimum liability insurance limits of $15,000 per person/$30,000 per accident for bodily injury and $5,000 for property damage. However, these minimums are often insufficient in the face of serious accidents. Medical expenses, lost wages, and repair costs can quickly exceed these amounts, leaving the at-fault party vulnerable to out-of-pocket expenses.


    The Case for Higher Policy Limits

    Higher policy limits provide a stronger safety net, ensuring that in the event of a serious accident, you have sufficient coverage to handle claims without jeopardizing your personal assets. For bodily injury, consider increasing your limits to at least $100,000 per person and $300,000 per accident. For property damage, a limit of $100,000 offers more comprehensive coverage, especially given the high value of vehicles and property in California.

    Why Go Beyond the Minimum?

    The rationale behind opting for higher limits is simple: protection and peace of mind. Accidents can result in damages that far exceed the minimum coverage, particularly with the rising costs of medical care and vehicle repairs. If your insurance limits are too low to cover the claims, you could be personally responsible for the difference. This is where personal injury law intersects significantly with insurance decisions. As a personal injury attorney, I’ve seen cases where individuals face financial ruin because their coverage was inadequate for the damages awarded.

    Umbrella Coverage: An Extra Layer of Security

    Umbrella insurance is a type of liability insurance that provides an extra layer of security beyond the limits of your homeowners, auto, and boat insurance policies. It kicks in when you have exhausted the limits of your other policies. For residents of California, where lawsuits and claims can escalate quickly, umbrella coverage is not just recommended; it’s essential.

    An umbrella policy typically starts with $1 million in coverage, extending up to $5 million or more. This coverage not only protects your assets but also covers a broader range of scenarios that might not be included in standard policies, such as libel, slander, and false arrest.

    How This Works Within Personal Injury Law

    From a personal injury law perspective, having adequate insurance coverage is crucial. It not only protects you from potential financial hardship but also ensures that if you’re at fault in an accident, the injured party receives appropriate compensation. Conversely, if you’re the victim, the at-fault party’s insurance plays a pivotal role in your recovery process.

    In lawsuits where damages exceed the defendant’s policy limits, the plaintiff may pursue the defendant’s personal assets. This scenario highlights the importance of both having higher policy limits and umbrella coverage as part of a comprehensive insurance strategy.

    Learn More on Insurance Requirements in the state of California

    For those interested in understanding the requirements for auto insurance in California, especially in the context of personal injury law, it’s crucial to familiarize yourself with the state’s legal mandates and the additional protections that may benefit you. According to the California Department of Motor Vehicles (DMV), the state requires all drivers to maintain minimum liability insurance coverage of $15,000 for injury/death to one person, $30,000 for injury/death to more than one person, and $5,000 for property damage. These are the basic legal requirements, but experts widely recommend carrying higher limits to protect your assets in case of a serious accident.

    The DMV also highlights various forms of financial responsibility, including motor vehicle liability insurance policies, cash deposits with the DMV, DMV-issued self-insurance certificates, and surety bonds from companies licensed to do business in California. These options provide flexibility for drivers in meeting the state’s financial responsibility requirements.

    Furthermore, the California DMV offers a Low Cost Automobile Insurance Program for drivers who cannot afford standard insurance premiums, making it easier for more residents to comply with these legal requirements and drive legally on California roads.

    Understanding these insurance requirements and considering umbrella insurance as an additional layer of protection is crucial. Umbrella insurance can extend your liability coverage beyond what’s provided by your standard auto and homeowner’s insurance policies, offering an extra safety net in case of major claims or lawsuits that exceed your primary policy limits.

    For comprehensive details on California’s auto insurance requirements and related financial responsibility laws, you can visit the official California DMV website.


    My professional experience underscores the importance of having adequate insurance. Opting for higher policy limits and securing umbrella coverage are critical steps in protecting yourself and your assets. These measures provide a safeguard against the unpredictable nature of accidents and the legal ramifications that can follow.

    Insurance isn’t just about compliance with state laws; it’s about ensuring financial stability and peace of mind in the face of life’s uncertainties. I strongly recommend consulting with an insurance professional to tailor a coverage plan that meets your specific needs and provides the level of protection essential for living in California. Remember, in the realm of personal injury law, being well-insured is not just prudent—it’s paramount.

    How Do I Know If I Have A Product Liability Case?

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      We face many choices in daily product purchases. Generally, we trust these products to work well and be safe. Sadly, this trust is not always justified. Often, defective products initially seem fine. Let’s explore what happens when a defect causes injury.

      What is Product Liability?

      Product liability is legal doctrine that lets injured consumers sue makers or sellers. It’s based on their duty to ensure product safety.

      There are three main types of product liability:

      • Manufacturing defects: These defects occur when a product is made incorrectly, such as when a part is missing or installed incorrectly.
      • Design defects: These defects occur when the design of a product itself is unsafe, even if the product is made correctly.
      • Marketing defects: These defects occur when a product is not properly warned about its risks, or when there is inadequate information about how to use the product safely.

      To win a product liability lawsuit, the plaintiff must prove that the product was defective, that the defect caused their injury, and that the defendant was negligent in designing, manufacturing, or selling the product.

      The Consumer Expectation Standard and the Risk-Utility Standard

      In order to determine whether a product is defective, courts often use two different standards: the consumer expectation standard and the risk-utility standard.

      • The consumer expectation standard: Under this standard, a product is defective if it is unreasonably dangerous to an ordinary consumer. This means that the product is dangerous in a way that the consumer would not expect.
      • The risk-utility standard: Under this standard, a product is defective if the risks of using the product outweigh the benefits. Even if the product has benefits, it is too dangerous to use..

      The court will choose which standard to apply based on the specific facts of the case. For example, courts are more likely to apply the consumer expectation standard in cases involving simple products that ordinary consumers use. They are more likely to apply the risk-utility standard in cases involving complex products that experts use.

      How to File a Product Liability Lawsuit

      If you have been injured by a defective product, you may be able to file a product liability lawsuit. To do so, you will need to hire an attorney who specializes in product liability law. Your attorney will help you gather evidence to support your case, such as medical records, product testing reports, and expert witness testimony.

      The amount of compensation you can recover in a product liability lawsuit will vary depending on the specific facts of your case. However, you may be able to recover damages for your medical expenses, lost wages, pain and suffering, and emotional distress.

      If you have been injured by a defective product, it is important to speak with an attorney as soon as possible. An attorney can help you understand your legal rights and options and can help you file a product liability lawsuit if necessary.

      Here are some additional resources that you may find helpful:

      Examples of Cases That Can Result in Product Liability 

      Plaintiffs in product liability cases will often use all available theories to obtain recovery. That means if you are injured by a product, your lawyer may well allege negligence, breach of warranty and strict liability. The theory of recovery does not affect the amount of your recovery.

      • Defective Design—designs make product inherently dangerous:

      A person’s face, neck and back were burned because the pressure cooker he was using could be opened before it was depressurized. The plaintiff opened the cooker according to its design, and the scalding contents sprayed onto the plaintiff.

      • Defective Design—Missing Safeguards:

      Plaintiffs have recovered when dangerous machinery they were using (lawnmower, snow-blowers, industrial equipment) did not have appropriate safety designed in, such as automatic shutoffs and guards that keep hands out of dangerous areas of equipment.

      • Defective Design/Hidden Defect—Medical Devices:

      Approved and in use medical devices can have unknown impacts on the body. When a flawed medical device causes additional injury, illness, need for additional surgery or death, a person may recover for their injuries. A recent case involves a popular hip replacement device that caused new injuries to patients requiring a new hip replacement. The company subsequently recalled the device and is now dealing with the damages of those injured by the faulty device.

      • Failure to Warn—Inadequate Instructions/Safety Warnings:

      When flawed or inadequate instructions on assembly, use, or storage make a product dangerous or more dangerous, those injured by it may recover for their injuries.

      • Malfunctions:

      A person was making fresh pasta with a machine designed to turn off when the user opened the lid. In this case, when the person opened the lid, the machine malfunctioned and did not shut off, causing injuries that led to the amputation of the person’s hand. The machine’s manufacturer was in Italy and had no office or employees in the U.S. The plaintiff was able to recover for the injuries from the U.S. distributor of the product.

      A malfunctioning pool heater emitted lethal amounts of carbon monoxide resulting in the death of a swimmer. The swimmer’s estate recovered for wrongful death.

      • Hidden Defects/Defective Processes: Toxic Food:

      When food processed at a dirty or contaminated plant makes people sick, they may be able to recover for their injuries.

      • Hidden Defects—Toxic Chemicals in Products:

      When a product contains toxic ingredients, injuries can arise years after purchasing, installing, or using the product.  Materials such as lead in paint, asbestos in insulation, DDT sprayed on crops have all been the subject of litigation. YIf toxic ingredients in a product have poisoned or otherwise injured you, you may be able to recover damages.

      • Hidden Defects—Dangerous Medications:

      Some medications have dangerous, but unknown side-effects that become known only after approval and use. When an unknown side-effect causes severe injury, illness, birth defects or death, a person may recover for their injuries. The most famous case of this type was about the synthetic estrogen, DES, which caused numerous and severe birth defects in babies and increased cancer risks in mothers.


      We’ve discussed various product liability scenarios. If a product fault injures you through no fault of your own, consider consulting us. Understand that specific circumstances influence our ability to take a case. There’s no settlement guarantee.

      Should I Consult with a Personal Injury Attorney

      Woman in road after being hit by car while bike riding thinking about consulting personal injury attorney

      No one wants to be involved in a serious accident. There are many emotions involved, thoughts of who to blame and who to call. This article reviews when it might make sense to consult with a personal injury attorney/ lawyer regarding an injury.

      Table of Contents

      1. Introduction
      2. Time Limits For Filing
      3. Decision to Pursue Legal Action
      4. Fees And Expenses
      5. Expectations of Having an Attorney Review Your Case
      6. Conclusion


      Recently injured in an accident? Was a loved one killed in an accident? Maybe you were wondering if hiring a personal injury attorney makes sense for your situation? A personal injury attorney specializes with physical or emotional harm due to the negligence or wrongdoing of another party. You may have mixed emotions about consulting a personal injury attorney. Sometimes this stems from guilt about making a claim against another party.

      It’s important to have a lawyer explore your rights, helping you through your difficult time. An attorney with the right experience and knowledge takes the burden from you feeling uncomfortable or embarrassed about bringing up a personal injury claim against another party. Besides, many times the initial consultation, and even the cost of litigation, is not required to be paid upfront—only upon settlement or judgement. Reasons to consider a personal injury attorney to help in an injury case follow.

      Time Limits For Filing

      Depending on the type of claim, the law sets forth a very specific limit (a statute of limitations) on filing a personal injury claim. Depending on the state and the type of injury, you may have only a few months or years to file a lawsuit against the responsible party. If you miss this deadline, you may lose your right to seek compensation for your damages. A personal injury attorney helps you determine the applicable statute of limitations and file your claim before it expires.

      • For instance, generally speaking, in the state of California, for personal injury you must file your administrative claim within 2 years of the date of the injury according to California Code of Civil Procedure Section 335.1. This sets forth the statute of limitations (time limit), for filing a civil lawsuit in California. There are additional timeframes established, however, depending on the particular cause or nature of the injury that may decrease or increase this timeline based on knowledge of when the event occurred. This is one of the reasons it is essential to contact a licensed attorney as soon as possible to assess the qualifications of a potential claim.
      • In Texas, any civil action for “personal injury” must be filed not later than two years after the day the cause of action accrues according to Texas Government Code § 16.003. There could be additions or subtractions to this timeline, however, depending on circumstances of the injury. Having a licensed attorney available to consult on the knowledge of the law is essential in learning if your case is valid and conforms within the statutes.

      Decisions To Pursue Legal Action

      Pursuing a legal action can be challenging when dealing with the aftermath of an accident. Medical bills, lost wages, pain and suffering, and emotional distress are overwhelming. You may face resistance from the insurance company or other parties trying to deny or minimize your claim. Personal injury attorneys handle the legal aspects of your case allowing you to focus on recovery. They can gather evidence, negotiate with the insurance company, and represent you in court if necessary. In fact, it is important to consider consulting with an attorney before speaking to your insurance company, or other parties involved in the case, in the event such actions could be used against you in a court of law. Besides, this helps take the burden of navigating the legal system from you and onto your attorney.

      Fees And Expenses

      Hiring a personal injury attorney does not mean that you have to pay upfront fees or expenses. Clients pay personal injury attorneys on a contingency basis, generally. Personal injury attorneys pay the costs of litigation up front from their own funds taking a percentage of recovery as their fee. You do not have to worry about paying anything unless you receive compensation for your injuries.

      DB Hill, A Professional Law Corporation offers personal injury work on a contingency basis. This is of utmost importance, so you don’t have any hesitation in deciding to come to us for advice on your issue. It’s a great first step in setting your mind at ease by consulting a personal injury attorney at DB Hill Law!

      Expectations of the contingency fee will vary from law firm to firm.  Across the U.S. some fee cases are 40% or more depending on case complexity, with the average being about one-third of total earnings of the case.

      Expectations of Having An Attorney Review Your Case

      What should you expect having an attorney review your case?  During the initial consultation, your attorney asks about the details of your accident, your injuries, and the financial losses incurred. They will also review any documentation available such as medical bills, police reports, and photographs.

      Once your attorney has a good understanding of your case, they will be able to advise you on your legal options. They may recommend that you file a lawsuit or suggest you try to negotiate a settlement with the other party’s insurance company.

      If you decide to file a lawsuit, your attorney will handle all of the legal paperwork and represent you in court. They will also work to gather evidence to support your claim and negotiate with the other party’s insurance company trying for maximum compensation.

      The process of reviewing a personal injury case can take several weeks or months, or longer. However, it is important to remember that your attorney is working hard to get you the compensation you deserve.

      Expect the following during the review of your personal injury case:

      • Your attorney will ask you questions about the accident and your injuries.
      • Your attorney will review any medical records, police reports, or other documentation you have.
      • Your attorney will discuss the legal options available to you.
      • Your attorney will help you file a lawsuit or negotiate a settlement.
      • Your attorney will represent you in court if necessary.

      The review of your personal injury case can be a stressful time. Your attorney is there to help you get the compensation you deserve, lessening that stress.


      Rember, if an accident has caused injury or death to you or a loved one, consult a personal injury attorney. They can help you protect your rights, pursue your claim, and obtain the compensation you deserve. It removes the stress of seeking help or remedy on your own. In California or Texas, contact us today for a free consultation in person, over the phone, or via online chat. Don’t hesitate, we are here to help.