Policies issued or renewed from 1/1/2025: 30/60/15 (Veh. Code §16056); 50/100/25 from 2035.

§16020 proof includes a binder; a driver license is not proof.

§16025: drivers exchange insurance details; failure = infraction, fine up to $250.

PAP = private passenger autos (and qualifying pickups or vans) owned by individuals for personal use.

Any person using a covered auto (with permission) is an insured; §11580.1(d)(1) named-driver exclusion binds all claimants.

Separated spouse stays "you" until the earliest of 90 days, own policy, or policy expiration (ISO).

Territory: U.S., territories and possessions, Puerto Rico, Canada, and transport between their ports; not Mexico.

Share-the-expense car pool = covered; for-hire use = excluded.

2018 PAP: excluded whenever logged into a TNC platform as a driver, even with no passenger.

Temporary substitute = non-owned car used while the listed car is out of use for breakdown, repair, servicing, loss or destruction.

Newly acquired auto gets the broadest coverage on any listed vehicle (collision has its own rule).

Collision on a listed auto: automatic from ownership, 14-day notice (ISO). None listed: must request.

§11580.9(d): the policy on the owned car is primary; others are excess (insurance follows the car).

Shop employee driving = shop policy primary; customer in a loaner = dealer policy excess.

Pro rata: each insurer pays limit ÷ total limits × loss.

Prop 103 order: safety record, annual miles, years of experience.

Good driver: licensed 3 years, at most 1 point, no at-fault injury or death accident; discount at least 20%.

No credit report as a decline basis or premium factor; MVR at application, new driver, every 36 months.

Cancel only for listed reasons (§§661, 1861.03(c)(1)): nonpayment, fraud, substantial increase in hazard, etc.

Negligent misstatement cure: corrected info within 20 days + pay the premium difference.

Cancel: 20 days (10 for nonpayment). Nonrenew: 30 days; renewal offer: 20 days; late notice = 30 days from mailing.

Personal policy: no coverage, no duty to defend from log-on to log-off or passenger exit (§5434(b)), unless endorsed.

Logged on, no request: 50/100/30 primary + $200,000 excess. Request accepted: $1,000,000.

Passenger aboard: UM/UIM $60,000/$300,000 from the TNC; no personal-policy denial needed (§5433(d)).

Vehicle sharing = non-owners use a private passenger car through a sharing program (§11580.24).

Outline: program covers the car if revenue ≤ annual expenses and no commercial use (incl. TNC).

Outline: coverage at least equal to what the owner maintains and reports.

Split limits: per-person cap first, then per-accident (BI only); PD separate.

CSL: one amount per accident for BI + PD, no per-person cap.

Defense and supplementary payments are paid in addition to the limit; out-of-state limits are raised, not added.

Med pay: per person, regardless of fault, for you, family and others in your car.

Named insured and family covered as occupants or as pedestrians struck by a motor vehicle.

Excluded: injury while occupying a vehicle with fewer than four wheels (e.g., a motorcycle).

§11580.2(a)(1): UM is in every CA BI liability policy unless deleted or reduced by written agreement on the statutory form.

One named insured's deletion binds all insureds and carries through renewals with the same insurer.

Lowest UM limits = §16056 limits: $30,000/$60,000 for policies from 2025.

Underinsured = at-fault limits lower than the insured's UM limits (limits vs. limits).

UIM pays the insured's limit minus what the at-fault party paid; no stacking (§11580.2(q)).

Hit-and-run: contact + police report in 24 hours + sworn statement in 30 days. UMPD: lesser of ACV or $3,500; report in 10 business days.

Collision = upset or impact with a vehicle or object; OTC (comprehensive) = theft, fire, hail, animal contact.

OTC is property insurance on the insured's own car.

Not covered: wear and tear, breakdown, personal effects. Two covered cars in one collision: highest deductible only.

Pays the lesser of ACV or repair/replace cost, minus the deductible.

CA: no required repair shop; total loss = comparable auto + taxes and fees; 35 days to reopen.

Theft transportation: starts after 48 hours; $30/day, $900 max on the 2018 form.

Misc. Type Vehicle: motor home, ATV, dune buggy, golf cart (snowmobile separate); outline: motorcycles generally cannot be added.

Limited Mexico: within 25 miles, trips of 10 days or less, Mexican liability insurance required, excess only.

Towing: labor only at the place of disablement. Joint ownership: same household or nonresident relatives.

GAP = loan balance − Part D payment − overdue payments − financed extras (e.g., warranty).

Named non-owner: for people who own no car; newly acquired auto covered 14 days only.

Extended non-owned = Parts A and B for a regular-use car; custom equipment base limit $1,500.

CAARP (§11620(a)): spreads drivers who cannot get liability insurance normally among all admitted liability insurers.

Only certified producers submit: license + course within 4 months, then every 4 years; no fee.

Eligibility factors exclude credit; the Plan assigns the insurer; no fees beyond commission (§11624.5).

CAARP limits (§11622(b)): 30/60/15 for policies from 1/1/2025.

Application options: med pay up to $1,000, UM 30/60, UMPD up to $3,500; no collision.

Effective on electronic transmission; commercial filings or $750,000+ CSL = 15-day delay.

CLCA: within CAARP, every county; limits 10/20/3, which satisfy financial responsibility (§11629.8).

Income up to 250% of poverty level; one at-fault PD accident OR one point in 3 years, not both.

Cancel only for nonpayment, fraud or buying extra liability; installments: at most 20% down + 7 payments; no fees.

RV added to a PAP by endorsement gets the PAP's existing coverage.

House car not used for hire ≠ commercial (Veh. Code §§260, 362); outline: 3-axle RV meets Ins. Code §660(a)(1).

Motorcycle (≤3 wheels, Veh. Code §400): separate policy; med pay and UM may be limited, but UM still required unless deleted.