Some drivers might be excluded from your policy. Read your policy before you allow others to drive your car. Your auto insurance policy is a contract between you and your insurance company. If you do not have auto liability insurance, you can be fined, your license may be suspended, and your vehicle could be impounded. California law states, "All drivers and all owners of a motor vehicle shall at all times be able to establish financial responsibility and shall at all times carry in the vehicle evidence of the form of financial responsibility in effect for the vehicle." Most people show financial responsibility by buying auto liability insurance. You must show financial responsibility for any vehicle that you own, in case of injury to other people or damage to their property. Your motor vehicle may be an auto, truck, van, motorcycle, or another kind of private passenger vehicle. Your policy is a legal document, and it is important that you understand it. It can help you understand your auto policy. This brochure can help you compare policies and make informed decisions when you buy auto insurance. Auto insurance helps pay for the injuries and damage that can happen when you own and drive a car or other motor vehicle.
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