Insurance

Starting January 1, 2025, California drivers will be required to carry higher auto liability insurance limits for the first time in decades. These changes are designed to better reflect today’s medical costs, vehicle repair expenses, and the financial realities of serious accidents.

If you haven’t reviewed your auto insurance coverage recently, now is the perfect time.

What Are California’s New Auto Liability Limits?

Under California law, auto liability insurance pays for injuries and property damage you cause to others in an accident. It does not cover your own vehicle or medical bills.

As of January 1, 2025, the new minimum liability limits are:

• $30,000 for bodily injury per person
• $60,000 for bodily injury per accident
• $15,000 for property damage

These limits are commonly written as 30 / 60 / 15.

This is a major increase from the previous minimum of 15 / 30 / 5, which had not changed in over 50 years.

Important: The new limits apply when your policy renews on or after January 1, 2025.

Why Minimum Coverage May Not Be Enough

While the new minimum limits are higher, they may still fall short in a serious accident.

• Emergency room visits can easily exceed $30,000
• New vehicle repairs often exceed $15,000
• Multi-vehicle accidents can quickly exceed $60,000

If damages exceed your policy limits, you are personally responsible for the remaining balance — which could put your savings, home, or wages at risk.

That’s why many drivers choose higher liability limits for added protection and peace of mind.

California Auto Liability Coverage Options (2025)

Below is a comparison of minimum and higher coverage options, so you can see what level of protection may be right for you.

What Coverage Is Right for You?

• Minimum coverage may meet legal requirements, but offers limited protection
• $100 / 300 / 100 is widely recommended for most drivers
• Higher limits or umbrella policies are ideal for homeowners, families, and anyone with assets to protect

Every driver’s situation is different. The right coverage depends on your income, assets, and risk tolerance.

Need Help Choosing the Right Coverage?

At Yessenia’s Insurance Services, we help drivers understand their options and choose coverage that fits their needs — not just the minimum required by law.

📞 Contact us today to review your policy before your next renewal and make sure you’re properly protected.

Traffic lights in Los Angeles have been adjusted to attempt to reduce speeding on the uncongested streets during the COVID-19 pandemic, the Los Angeles Department of Transportation announced Wednesday.

Traffic signals across the city have been indefinitely put on “nighttime mode,” which allow them to operate independently to serve cars as they arrive, instead of coordinating automatically to ease traffic congestion, LADOT said.

This will prevent drivers from speeding through consecutive intersections without any red lights stopping them.

Can I make my Insurance payment Online?

You can make a payment using our secure web payment page.

• Click here to pay your insurance Policy

Can I Make Changes Online

• Change of Address
• Add Vehicle
• Delete Vehicle
• Add Driver
• Delete Driver

Access Insurance

California Insurance Commissioner Dave Jones has issued a cease and desist order against Access Insurance Co., which requires it to immediately stop transacting, soliciting, negotiating, or administering and writing any new or renewal insurance business of any kind in the state of California.

We regret to inform you that the California department of insurance has ordered Access Insurance Company to stop doing business in California. What does this mean? If you have access as your insurance company contact us as soon as possible to switch you over to another company. If you require only Minimum Liability Insurance contact us for a quote.

Yessenia’s Customers

Contact us to help you with this transition as we have already helped many of our current customers. In some cases our customers have switched over to other providers and saved money. At Yessenia’s we will do anything we can to make sure our customers are aware of the access insurance issue. If you need to add another car to your policy right now is the best time to do so as we will not charge an office fee for all customers that we are switching over.

Access will not be taking any more payments and all policies will be terminated by April 12, 2018.

Important Notice

Access Insurance Company was placed into liquidation based on a finding of insolvency on March, 13, 2018. All Access Insurance Company policies will be terminated by no later then April 12, 2018, unless they otherwise expire beforehand. You need to obtain substitute coverage before that date. Claims will be handled by your state’s Insurance Guaranty Association according to the provisions of its enabling status.

We will post more information on how to make a claim or you can call us for any information you may have at 1-800-383-4008.

Wow, do I need Auto Insurance?

Driving on the roadways  will require to have a piece of paper as a result . Insurance is required on all vehicles operated or parked in California. You must carry evidence of financial responsibility in your vehicle at all times.

As a result you must be provided as specified below when:

• Requested by law enforcement.
• Renewing vehicle registration.
• The vehicle is involved in a traffic collision.

What Are the Minimum Liability Insurance Requirements for auto?

• $15,000 for injury/death to one person.
• $30,000 for injury/death to more than one person.
• $5,000 for damage to property.

Liability insurance pays a person other than the policy holder for personal injury or property damage. Comprehensive or collision does not meet vehicle financial responsibility requirements so you will need to call. Call us here at Yessenia’s if you have any questions.