【邓洪説法】2026 加州保额新规：您的 15/30/5 旧保单是否已成为法律隐患？ | Deng Law Center

在过去的 50 多年里，加州车主一直沿用“15/30/5”的最低保额标准。然而，随着 SB 1107 法案的全面实施，进入 2026 年，这一旧标准已正式成为历史。由邓洪律师（Daniel Deng）领军的邓洪律师事务所提醒圣盖博谷（San Gabriel Valley）的广大华人群体：如果您的保单尚未更新，您可能正面临执照吊销甚至倾家荡产的风险。

2026 年加州法定最低保额是多少？

根据 SB 1107 法案（又称《保护加州驾驶者法案》），所有在加州行驶的车辆必须满足 30/60/15 的新标准：

3 万美金： 赔偿单人的人身伤害或死亡。

6 万美金： 每次事故的总人身伤害赔偿上限。

1.5 万美金： 赔偿对方的财产损失（修车费）。

15/30/5 的旧保单还能用吗？

答案是不行。 法律要求所有在 2025 年 1 月 1 日及之后续保的保单必须自动上调至新额度。如果您发现自己的保单依然显示旧额度，或者您正在驾驶一辆保额不足的车辆，那么在法律眼里，这等同于“无保险驾驶”。您可能面临数千美金的罚款、车辆被扣押，甚至在发生事故时需承担全部个人赔偿责任。

为什么 30/60/15 依然可能不够？

虽然保额翻倍了，但在医疗费用高昂的南加州，一场中度车祸的医疗支出往往轻松超过 3 万美金。对于居住在蒙特利公园（Monterey Park）或圣盖博（San Gabriel）的家庭来说，资产保护至关重要。

邓洪律师事务所：您的法律坚盾

面对保险公司因保额变动而产生的理赔纠纷，我们提供“无畏的辩护”：

1. 保单审核： 确保您的保险公司履行了法律规定的自动升级义务。
2. 资产保护： 如果您是事故责任方且保额不足，我们会利用法律手段保护您的房产和存款不被追偿。
3. 母语服务： 我们用您的母语解析 2026 年最新的保险变动，确保您不会因为语言障碍而落入法律陷阱。

“为社区争取公正”是我们的核心宗旨。不要让陈旧的保单毁掉您的未来。

法律声明： 以上内容仅供教育参考，不构成律师与客户之间的代理关系。SB 1107 是加州自 1967 年以来的首次强制保额上调。

Navigating the 2026 Insurance Shift: Is Your 15/30/5 Policy Now a Legal Liability?

For over five decades, California drivers relied on the "15/30/5" minimum insurance standard. However, as of January 1, 2025, Senate Bill 1107 (SB 1107) effectively rendered those limits obsolete. At Deng Law Center, led by community advocate Daniel Deng, we are seeing a significant number of drivers entering 2026 unaware that their old "minimum" policy may no longer meet California’s legal requirements—potentially exposing them to license suspensions and personal financial ruin.

What are the New Mandatory Minimums in 2026?

Under SB 1107, California has moved to a 30/60/15 requirement. This means every standard auto policy in the state must now provide:

$30,000 for bodily injury or death to one person.

$60,000 for bodily injury or death to multiple people.

$15,000 for property damage.

If you have not renewed your policy since the law took effect, or if you are driving a vehicle under an old "grandfathered" rate without verification, you are essentially driving underinsured.

Is my old 15/30/5 policy still legal?

No. All policies renewed on or after January 1, 2025, were required by law to adjust to the new 30/60/15 limits. If your insurance company failed to update your coverage, or if you allowed your policy to lapse and attempted to restart it at the old rates, you are in violation of California’s Financial Responsibility laws. Driving with insufficient coverage carries the same penalties as driving with no insurance at all, including heavy fines and vehicle impoundment.

The "Underinsurance Trap" in 2026

Even with the new 30/60/15 limits, many drivers remain at risk. Modern medical procedures and the rising cost of vehicle repairs (especially for EVs and luxury cars common in areas like Alhambra and Monterey Park) often exceed $30,000 in a single afternoon. At Deng Law Center, we act as your "Shield," protecting your assets when an accident's costs exceed your policy limits. We speak your language and know how to bridge the gap between complex insurance statutes and your family's financial safety.

Why Choose Deng Law Center?

We provide a Fearless Defense against insurance companies that may try to use your policy's technicalities to avoid paying claims. Whether you are checking your own coverage or have been hit by an underinsured driver, our mission is "Justice for the community." We ensure that the 2026 legal shifts work for you, not against you.

Legal Disclaimer: Information provided is for educational purposes and does not constitute an attorney-client relationship. SB 1107 represents the first mandatory increase in California since 1967; consult with your agent or an attorney to ensure compliance.