As of January 1, 2025, California requires at least $30,000 for injury or death to one person, $60,000 per accident, and $15,000 for property damage (SB 1107) — higher than the old 15/30/5 minimums, but still far below what a serious injury costs.

One night in a hospital, let alone surgery or months of treatment, can exceed those limits quickly. If your damages exceed the at-fault driver's coverage, your own underinsured motorist coverage becomes the difference-maker.