Article 2. Insurance Policy of California Vehicle Code >> Division 7. >> Chapter 3. >> Article 2.
A "motor vehicle liability policy," as used in Chapters 1
(commencing with Section 16000), 2 (commencing with Section 16250),
and 4 (commencing with Section 16500), and this chapter, means an
owner's policy or an operator's policy, or both, of liability
insurance, certified as provided in Section 16431 as proof of
financial responsibility, issued by an insurance carrier authorized
to transact that business in this state to or for the benefit of the
person named therein as assured. Any requirements set forth in
Chapters 1 (commencing with Section 16000), 2 (commencing with
Section 16250), and 4 (commencing with Section 16500), and this
chapter relating to a motor vehicle liability policy shall apply only
to those policies which have been certified as proof of financial
responsibility as provided in Section 16431.
An owner's policy of motor vehicle liability insurance shall
insure the named insured and any other person using any motor
vehicle registered to the named insured with the express or implied
permission of the named insured, against loss from the liability
imposed by law for damages arising out of ownership, maintenance, or
use of the motor vehicle within the continental limits of the United
States to the extent and aggregate amount, exclusive of interest and
costs, with respect to each motor vehicle, of fifteen thousand
dollars ($15,000) for bodily injury to or death of each person as a
result of any one accident and, subject to the limit as to one
person, the amount of thirty thousand dollars ($30,000) for bodily
injury to or death of all persons as a result of any one accident and
the amount of five thousand dollars ($5,000) for damage to property
of others as a result of any one accident.
An operator's policy of motor vehicle liability insurance
shall insure the person named as insured therein against loss from
the liability imposed on that person by law for damages arising out
of use by that person of any motor vehicle not owned by that person,
and for any subsequently acquired motor vehicle for a period not to
exceed 10 days from date of purchase, within the same territorial
limits and subject to the same limits of liability as are provided
for in an owner's policy of liability insurance.
Any motor vehicle liability policy may grant any lawful
coverage in excess of or in addition to the coverage herein specified
or contain any agreements, provisions or stipulations not in
conflict with the provisions of this code and not otherwise contrary
Any motor vehicle liability policy need not cover any
liability for injury to the assured or any liability of the assured
assumed by or imposed upon the assured under any workers'
compensation law nor any liability for damage to property in charge
of the assured or the assured's employees or agents.
The provisions of Section 16451 shall not apply to vehicles
in storage if the current license plates and registration cards are
surrendered to the department in Sacramento.
Whenever proof of financial responsibility is required to be
filed pursuant to this chapter, no person of whom that proof is
required shall drive any motor vehicle not covered by the certificate
of proof of financial responsibility filed by him or her with the
department, nor shall any applicant for that proof knowingly fail to
disclose ownership of a motor vehicle in the application for proof of
financial responsibility or to disclose any subsequently acquired