With so many providers claiming to offer the best car insurance in California, it can be difficult to know which option truly offers the protection you need. While price is an important factor, understanding California’s car insurance laws and knowing what coverage is right for you is essential. At Hillstone Law, we empower clients with the knowledge to make informed decisions—and we’re here to guide you through the process.

California Car Insurance Requirements

By law, all drivers in California must carry auto insurance. The minimum liability coverage required is:

• $15,000 for injury or death of one person
• $30,000 for injury or death of multiple people
• $5,000 for property damage

While meeting these minimums keeps you legally compliant, it may not be enough to protect you financially after a serious accident. The reality is that medical bills, lost wages, and property damage can quickly exceed these limits. Many California drivers opt for higher coverage limits to avoid out-of-pocket expenses.

Choosing the Best Coverage for You

When evaluating car insurance in California, don’t focus solely on the monthly premium. Consider the overall protection and peace of mind each policy provides. Key coverages to review include:

• Comprehensive Coverage: Protects against theft, vandalism, fire, and non-collision damage.
• Collision Coverage: Covers repair or replacement costs after an accident, regardless of fault.
• Uninsured/Underinsured Motorist Coverage: Crucial in California, where many drivers lack adequate insurance.
• Medical Payments Coverage: Helps pay for hospital bills and related expenses after a crash.

The cheapest policy may not be the best policy—especially if you end up underinsured when you need coverage most.

Insurance and California’s At-Fault System

California follows an at-fault insurance system, meaning the driver responsible for the accident is liable for damages. While your insurance company should step in to help, disputes over liability and compensation are common.

For example:

• If the other driver is uninsured or underinsured, you may be left covering expenses.
• Insurance adjusters often undervalue claims to protect company profits.
• You may face delays in receiving the compensation you deserve.

This is why securing strong coverage—and knowing your rights—is essential.

Dealing with Insurance Companies

California law requires insurers to act in good faith, but that doesn’t always happen. Denied or underpaid claims are common, leaving victims frustrated and financially vulnerable. If your insurance company fails to treat you fairly, you have the right to dispute their decision through mediation, arbitration, or legal action.

When to Call a California Personal Injury Lawyer

If you’ve been in a serious accident or your insurance company refuses to pay fairly, consulting a personal injury attorney is the best way to protect yourself. At Hillstone Law, we fight for drivers who feel overwhelmed by insurance disputes or trapped by low settlement offers.

We help clients recover compensation for:

• Medical bills and rehabilitation costs
• Vehicle repair or replacement
• Lost wages and reduced earning capacity
• Pain, suffering, and emotional trauma

Call Hillstone Law Today

Finding the best car insurance in California is only the first step toward protecting yourself. When the unexpected happens, you need a team that will stand by your side and fight for your rights.

Call Hillstone Law at (310) 595-1222 today for a free consultation. We’ll review your case, explain your options, and help ensure you’re not left paying the price for someone else’s negligence.