Cataño Insurance Brokers
3100 Big Dalton Ave, STE 160, Baldwin Park, CA 91706
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Baldwin Park households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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3100 Big Dalton Ave, STE 160, Baldwin Park, CA 91706
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3634 Baldwin Park Blvd, Baldwin Park, CA 91706
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13908 Francisquito Ave, Suite B, Baldwin Park, CA 91706
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4341 Maine Ave, Suite 2C, Baldwin Park, CA 91706
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Learn about insurance coverage options specific to Baldwin Park residents.
As of January 1, 2025, California requires minimum liability coverage of 30/60/15. That means $30,000 per person for bodily injury, $60,000 total per accident for bodily injuries, and $15,000 for property damage. These new limits apply when your existing policy renews, not immediately on the effective date.
California is an at-fault state, meaning the driver who causes an accident is financially responsible for the damages through their insurance company. This differs from no-fault states where each driver files with their own insurance regardless of who caused the crash. California also uses pure comparative negligence, so you can recover damages even if you're partially at fault.
Baldwin Park's location at the I-10 and I-605 interchange means drivers navigate some of the busiest roadways in the San Gabriel Valley daily. The California Highway Patrol Baldwin Park office serves over 770,000 residents across hundreds of miles of freeways and local roads. Higher traffic density correlates with more accidents, which insurance companies factor into their rates.
It depends on fault. Under California law, if you're 50% or less at fault for an accident, your insurance company cannot raise your rates for that incident. However, if you're determined to be 51% or more at fault, you can expect a rate increase at your next policy renewal.
Most insurance professionals recommend carrying higher limits than the state minimum. A serious accident with injuries can easily exceed $30,000 per person, especially with today's medical costs. Many experts suggest at least $100,000/$300,000 in liability coverage, plus uninsured motorist coverage to protect you from drivers without adequate insurance.
The new 30/60/15 minimums became law on January 1, 2025, but they don't apply to all drivers immediately. The increased limits take effect when your existing auto insurance policy renews. Check your renewal date—your policy documents will show when the new minimums kick in for your coverage.
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