Insurance can be confusing — and being underinsured in California can cost you more than you think. In this episode, we break down insufficient coverage, how to properly calculate your insurance needs, and key updates to California law (including Senate Bill 1107 and rideshare-related changes). We also discuss umbrella policies, protecting your family financially, what to consider when purchasing insurance, and whether you still need coverage if you don’t operate a vehicle. This is a practical, big-picture conversation designed to help consumers make smarter, more protective insurance decisions in today’s legal landscape.