Los Angeles, CA personal injury attorney Narbeh Shirvanian shares his advice for purchasing auto insurance. He emphasizes the importance of understanding insurance limits in California, drawing on his experience as a former insurance defense attorney and his insight into coverage issues. He notes that the structure of the insurance industry often influences policyholders, which makes it crucial for clients to proactively assess their uninsured motorist coverage limits.

In California, if an individual carries only the state-mandated minimum 15/30 policy, their uninsured motorist limit cannot exceed that amount. He advises clients to align their uninsured motorist limits with their third-party liability coverage, recommending a minimum of 100/300. This ensures adequate protection, particularly in cases where the insured may cause serious injuries to others.

He discourages reliance on state minimum requirements, emphasizing that 100/300 coverage provides substantially better protection. Clients are encouraged to consult with their insurance providers to secure quotes for corresponding uninsured motorist coverage.

He also notes that the difference in premiums between minimum coverage and the recommended limits is often minimal. In the event of a serious accident, clients who have followed this guidance can access coverage up to $300,000 for the incident, including all passengers. The relatively small cost of higher coverage over the life of the policy is negligible compared to the financial protection it provides in critical situations.