California car insurance

Does Car Insurance Follow the Car or Driver in California?

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A silver sedan and a dark SUV pulled over on a sunny California freeway after a minor fender bender. One driver is on the phone while the other photographs the damage. Bold text on the asphalt asks: “Does Car Insurance Follow the Car or the Driver?” — perfect illustration for a blog post about California auto insurance rules.

Picture this: I’m zipping down a California freeway, late for a dinner party, borrowing my best friend’s car because mine’s in the shop. Suddenly, a truck cuts me off, and—bam!—a fender bender. As I pull over, my stomach drops. Does car insurance follow the car or the driver in California? Am I covered, or am … Read more