As long as the driver has the vehicle owner's permission to operate the vehicle, the owner's policy will provide coverage regardless of who the driver is. The vehicle owner's policy must cover injuries and property damage. California law states that proof of financial responsibility or insurance is required to drive a vehicle. You can't drive a vehicle in California without insurance, and you or the person asking for a loan must have insurance to drive legally.
While your car insurance may cover costs if another person driving your car had an accident, it can only cover damage in certain situations. This is why an insurance company will have different types of coverage depending on the insurance coverage; there are different policy limits. Non-homeowners insurance is specifically designed for drivers who don't own a car and don't live with anyone who does. For example, your friend's insurance may be recognized as the primary insurance if they borrow your car without your consent and have an accident.
However, you should keep in mind that accidents and claims increase insurance premiums, which means that the car owner will have to pay much more for insurance after suffering an accident. You can also look for liability coverage for rental vehicles with liability insurance coverage and more for those who rent vehicles from time to time. Your regular car insurance policy in Los Angeles usually follows the car rather than the person who paid for the insurance. The claim will be marked in your insurance record, which could have an impact on your future insurance costs.
At the end of the day, if your family members or close friends use your car regularly, the best thing to do is consider adding them to your insurance. If you're planning to buy a vehicle soon, but don't currently have one, taking out car insurance for people who aren't homeowners is an affordable way to avoid an interruption in coverage and maintain long-term customer status with your insurance company. This means that, in the event of an accident, your insurance will most likely cover another driver as long as you have obtained their consent to drive your car. It would help if you never took the risk of borrowing or lending a car without reading the insurance policies to understand what they cover.
However, when determining what insurance applies when another person uses your car and ends up in an accident, a variety of conditions can come into play. If you have a vehicle, you don't need to take out an auto insurance policy that isn't from the owner, since your liability insurance will most likely cover you if you rent a vehicle or borrow someone else's car. However, you should first make sure if you are legally allowed to use other people's car without car insurance or not.