In 2025, there will be major changes in limit requirements in auto insurance policies. As a personal injury law firm in Los Angeles, The Law Offices of Ramtin Sadighim want Californians to understand the ramifications of Senate Bill 1107. This blog will set out the effects on the driving public and personal injury claims, and the discourse surrounding 1107.

The key takeaways from this blog are:

  • The minimum policy limits for injury claims are set to double in 2025.
  • The minimum policy limits for property damage claims are set to triple in 2025.
  • The rate for these increases will be set on July 1, 2023.

Current Law

The changes in 2025 will affect the policy limits of auto insurance coverage. Basically, a policy limit is the most money, or compensation, a person can receive in the event of an accident. Personal injury claims are brought when an accident victim’s injuries exceed policy limits or when the insurance company offers a settlement for less than the claim’s value.

Currently, the minimum coverage for injury claims is $15,000 for a single claim, $30,000 for multiple claims if there is more than one person in the vehicle and $5,000 for property damage.

The ramifications of 1107 will double the minimum limits for injury claims and triple the limits for property damage claims.

The minimum coverage for a single injury claim will be raised to $30,000, and $60,000 for accidents with multiple injury claims or resulting in a death. The limit for a property damage claim will be raised to $15,000.

Let’s be clear—the policy limit is the maximum an accident victim can receive under the policy.

The Discourse

The raising of the limits translates to higher insurance premiums. The public will be facing an increase in rates at a time of inflation and uncertainties in the economy.

However, the rates for these increases have not been set. California’s Insurance Commissioner, the regulator of the insurance industry, must finalize the rate applications by July 1, 2023.

The public has every right to voice its concern over the anticipated rate increase. A rate increase could logically lead to more uninsured drivers on California’s roads and an increase in the number of hit-and-run accidents.

Personal Injury Claims

It is the position of personal injury experts that 1107 will have benefits. Today, regardless of the extent and lasting effects, those injured in a car accident can only receive the $15,000 maximum when the person responsible for the accident carries only the minimum coverage.

1107 will change this situation for those seeking compensation for injuries and property damage. Personal injury experts are focused on fairness for the injured. While a possible rate increase may be on the horizon, so will the safety and protection of those suffering loss from the actions of others.

Have You Suffered an Injury or Property Damage Resulting from aCar Accident? Are You Ready to Take Action?

The legal experts at the Law Offices of Ramtin Sadighim help you through the claim process and work on your behalf to ensure maximum financial compensation for your injury and loss. Our experienced team of solutions-focused professionals understands the hardships an accident can cause, and we are here to help. For further information or to schedule a consultation please call 888-999-8744 or visit to learn more.