Michael Geller 10/19/26 Michael Geller 10/19/26

MedPay Coverage in California: What It Covers and Why Using It Usually Won't Raise Your Rates

MedPay is optional coverage on your own auto policy that pays crash medical bills no matter who caused the crash.

Michael Geller 10/12/26 Michael Geller 10/12/26

Insurance Bad Faith in California: When Your Own Insurer Becomes the Defendant

An insurer that unreasonably withholds policy benefits breaches its duty of good faith and can be sued for bad faith.

Michael Geller 10/7/26 Michael Geller 10/7/26

Underinsured motorist coverage is reduced by what the at-fault driver's insurer pays, so the two limits do not stack.

Michael Geller 9/15/26 Michael Geller 9/15/26

While your case is pending, medical care is paid by MedPay, health insurance, Medi-Cal or Medicare, or a provider on a lien.

Michael Geller 9/1/26 Michael Geller 9/1/26

After an uninsured or hit-and-run crash, your own uninsured motorist coverage pays your injury damages up to its limit.

Michael Geller 8/1/26 Michael Geller 8/1/26

California's minimum auto limits rose to 30/60/15 in 2025, which still often falls short of covering a serious injury.

Michael Geller 7/15/26 Michael Geller 7/15/26

Prop 213 bars uninsured drivers and some others from recovering pain and suffering damages, even when not at fault.

Michael Geller 7/1/26 Michael Geller 7/1/26

Insurers comb through your medical records looking for reasons to reduce or deny your claim.

Michael Geller 6/15/26 Michael Geller 6/15/26

You don't have to give the at-fault driver's insurer a recorded statement in California, and declining won't hurt your claim.