Personal Injury Cases
One of the things that helps are full coverage with high limits such as the at fault driver having at least 500 K liability coverage but most important is you should have at least 500 K uninsured motorist coverage which also includes underinsured motorist coverage. This protects you and your family because a lot of drivers in CA especially LA carry either no insurance or only the minimum of 15 K. It does not cost much more to increase your limits to 500 K or at least 300 K and you will be grateful that you have higher limits if you are in an accident and get seriously injured caused by another driver.
I have had many cases where my clients injuries were bad (broken legs, spine surgery, etc. . . ) but the only insurance available on either side was small such as 15 K or 25 K. Even 100 K is not enough to compensate you fully for many serious injuries.