{"id":1762,"date":"2020-03-09T13:52:19","date_gmt":"2020-03-09T20:52:19","guid":{"rendered":"https:\/\/www.dmv.ca.gov\/portal\/financial-responsibility-insurance\/"},"modified":"2023-05-19T16:23:06","modified_gmt":"2023-05-19T23:23:06","slug":"financial-responsibility-insurance","status":"publish","type":"page","link":"https:\/\/www.dmv.ca.gov\/portal\/driver-education-and-safety\/dmv-safety-guidelines-actions\/financial-responsibility-insurance\/","title":{"rendered":"Financial Responsibility (Insurance)"},"content":{"rendered":"\n<div class=\"wp-block-dmv-columns content-columns colums-1-3-2-3\">\n<div class=\"wp-block-dmv-column col\">\t<nav class=\"nav-left\" aria-label=\"Secondary Navigation\">\n\t\t<ul class=\"nav-left-children\">\n\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t<a href=https:\/\/www.dmv.ca.gov\/portal\/driver-education-and-safety\/dmv-safety-guidelines-actions\/administrative-hearings\/>Administrative Hearings<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t<a href=https:\/\/www.dmv.ca.gov\/portal\/driver-education-and-safety\/dmv-safety-guidelines-actions\/fatal-and-serious-injury-accidents\/>Fatal and Serious Injury Accidents<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t<a href=https:\/\/www.dmv.ca.gov\/portal\/driver-education-and-safety\/dmv-safety-guidelines-actions\/driving-under-the-influence\/>Driving Under the Influence (DUI)<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t<a href=https:\/\/www.dmv.ca.gov\/portal\/driver-education-and-safety\/dmv-safety-guidelines-actions\/deteriorated-driving-skill\/>Deteriorated Driving Skill<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t<a href=https:\/\/www.dmv.ca.gov\/portal\/driver-education-and-safety\/dmv-safety-guidelines-actions\/negligence\/>Negligence<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t<a href=https:\/\/www.dmv.ca.gov\/portal\/driver-education-and-safety\/dmv-safety-guidelines-actions\/fraud\/>Fraud<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t<a href=https:\/\/www.dmv.ca.gov\/portal\/driver-education-and-safety\/dmv-safety-guidelines-actions\/driver-license-certificates-and-endorsements\/>Driver License Certificates and Endorsements<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/nav>\n\n\t<\/div>\n\n\n\n<div class=\"wp-block-dmv-column col\">\n<div class=\"wp-block-dmv-container shadow-box\">\n<p class=\"has-large-font-size\">Every legal driver is required to have evidence of financial responsibility (insurance). This page discusses disciplinary guidelines and hearing procedures relating to insurance.<\/p>\n\n\n\n<div class=\"wp-block-dmv-spacer-block spacer-box\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Background<\/h2>\n\n\n\n<p>California&#8217;s insurance laws require that people who own or operate motor vehicles in the state be financially able to provide monetary protection to those injured or having property damaged in vehicle accidents, regardless of fault.<\/p>\n\n\n\n<p>If the driver or owner receives a driving privilege suspension notice because they cannot provide evidence of insurance, they are entitled to a hearing upon request.<\/p>\n\n\n\n<div class=\"wp-block-dmv-spacer-block spacer-box\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Authority<\/h2>\n\n\n\n<p>Several sections of the <em>California Vehicle Code<\/em>&nbsp;(CVC) require drivers to have financial responsibility.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"http:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=VEH&amp;sectionNum=16020\" target=\"_blank\" rel=\"noreferrer noopener\">CVC \u00a716020<\/a><span> states: &#8220;&#8230;every driver and every owner of a motor vehicle shall at all times be able to establish financial responsibility pursuant to <a href=\"http:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=VEH&amp;sectionNum=16021\" target=\"_blank\" rel=\"noreferrer noopener\">\u00a716021<\/a>, and shall at all times carry in the vehicle evidence of the form of financial responsibility in effect for the vehicle.&#8221;<\/span> <\/li>\n\n\n\n<li><a href=\"http:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=VEH&amp;sectionNum=16070\" target=\"_blank\" rel=\"noreferrer noopener\">CVC&nbsp;\u00a716070<\/a> provides for suspension of a driver or owner who fails to show financial responsibility was in effect for a reportable accident.<\/li>\n\n\n\n<li><a href=\"http:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=VEH&amp;sectionNum=16075\" target=\"_blank\" rel=\"noreferrer noopener\">CVC \u00a716075 (c)<\/a> requires that the department hold a hearing and make a determination before the effective date of the suspension.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-dmv-spacer-block spacer-box\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Reportable Accidents<\/h2>\n\n\n\n<p><a href=\"http:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=VEH&amp;sectionNum=16000\" target=\"_blank\" rel=\"noreferrer noopener\">CVC&nbsp;\u00a716000 (a)<\/a>&nbsp;requires every driver of a motor vehicle to report an accident to DMV within 10 days if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Any person was injured or killed.<\/li>\n\n\n\n<li>The property of either party had over $1,000 in damage.<\/li>\n<\/ul>\n\n\n\n<p><a href=\"http:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=VEH&amp;sectionNum=16000.1\" target=\"_blank\" rel=\"noreferrer noopener\">CVC&nbsp;\u00a716000.1 (a)<\/a>&nbsp;also requires certain off-highway accidents to be reported if they meet all of the following criteria:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Occur off the street or highway.<\/li>\n\n\n\n<li>Involve a vehicle subject to registration (includes vehicles not currently registered).<\/li>\n\n\n\n<li>Involve damage to the property of any one person over $1,000, an injury of any degree, or the death of any person.<\/li>\n<\/ul>\n\n\n\n<p>However, an off-highway accident on private property is not required to be reported to DMV if damages occur only to the driver&#8217;s property and if no bodily injury or death occurs.<\/p>\n\n\n\n<div class=\"wp-block-dmv-spacer-block spacer-box\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Establishing Financial Responsibility<strong> <\/strong><\/h2>\n\n\n\n<p>Under&nbsp;<a href=\"http:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=VEH&amp;sectionNum=16021\" target=\"_blank\" rel=\"noreferrer noopener\">CVC&nbsp;\u00a716021,<\/a> financial responsibility is established if the driver or owner:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Holds a&nbsp;DMV-issued&nbsp;certificate of self-insurance, per&nbsp;<a rel=\"noreferrer noopener\" href=\"http:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=VEH&amp;sectionNum=16052\" target=\"_blank\">CVC&nbsp;\u00a716052<\/a>.<\/li>\n\n\n\n<li>Is covered as an insured or principal under a form of liability insurance policy or surety bond per&nbsp;<a rel=\"noreferrer noopener\" href=\"http:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=VEH&amp;sectionNum=16054\" target=\"_blank\">CVC&nbsp;\u00a716054<\/a>, which covers the driver for the vehicle involved in the accident.<\/li>\n\n\n\n<li>Is the United States of America, this state, any municipality or subdivision thereof, or the lawful agent thereof (owned, leased by, or under the direction of these entities, per&nbsp;<a rel=\"noreferrer noopener\" href=\"http:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=VEH&amp;sectionNum=16052\" target=\"_blank\">CVC&nbsp;\u00a716052<\/a>).<\/li>\n\n\n\n<li>Is a depositor under&nbsp;<a rel=\"noreferrer noopener\" href=\"http:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=VEH&amp;sectionNum=16054\" target=\"_blank\">CVC&nbsp;\u00a716054.2(a)<\/a>.<\/li>\n\n\n\n<li>Meets the requirements authorized by&nbsp;DMV&nbsp;in any other way that would make necessary the financial responsibility laws (per Division 7, Chapter 1 of the CVC).<\/li>\n<\/ul>\n\n\n\n<p>Regardless of which proof of financial responsibility is claimed, the hearing officer must determine whether or not an acceptable form of financial responsibility covering the driver and vehicle was in effect at the time of the accident.<\/p>\n\n\n\n<div class=\"wp-block-dmv-spacer-block spacer-box\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Request for Hearing<\/h2>\n\n\n\n<p>To request a financial responsibility hearing, you must submit your request in writing to:<\/p>\n\n\n\n<p>Department of Motor Vehicles<br>Driver Safety Headquarters<br>P.O. BOX 942890<br>M\/S J-234<br>Sacramento, CA 94290<\/p>\n\n\n\n<p>Failure to respond to a notice of suspension within 10 days of receiving the order is a waiver of the person&#8217;s right to a hearing (<a href=\"http:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=VEH&amp;sectionNum=16075\" target=\"_blank\" rel=\"noreferrer noopener\">CVC&nbsp;\u00a716075<\/a>).<\/p>\n\n\n\n<div class=\"wp-block-dmv-spacer-block spacer-box\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Stays<\/h2>\n\n\n\n<p><a href=\"http:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=VEH&amp;sectionNum=16075\" target=\"_blank\" rel=\"noreferrer noopener\">CVC&nbsp;\u00a716075 (d)<\/a>&nbsp;states that if DMV does not hold a hearing and make a decision before the effective date of the suspension, it shall grant a stay.<\/p>\n\n\n\n<p>A hearing request does not automatically stay the suspension of a person&#8217;s driving privilege. However, if the request is timely and&nbsp;DMV&nbsp;is unable to conduct a hearing and make a decision within 30 days after mailing the order of suspension, the law requires the suspension to be stayed pending the decision.<\/p>\n\n\n\n<div class=\"wp-block-dmv-spacer-block spacer-box\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Fault<\/h2>\n\n\n\n<p>Many drivers believe that since the accident was &#8220;the other driver&#8217;s fault&#8221; they should not be suspended. Assignment of fault is not the basis of the proposed action. The action is taken when the driver did not provide evidence of financial responsibility as required by <a href=\"http:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=VEH&amp;sectionNum=16020\" target=\"_blank\" rel=\"noreferrer noopener\">CVC  \u00a716020<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-dmv-spacer-block spacer-box\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Hearing Issues<\/h2>\n\n\n\n<p>The issues to be considered in a hearing are limited to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Is the person&nbsp;the driver or the owner of the vehicle involved in the accident?<\/li>\n\n\n\n<li>Was there property damage over $1,000, or was any person injured or killed?<\/li>\n\n\n\n<li>Did the person have automobile liability insurance (or one of the other approved types of financial responsibility) in effect at the time of the accident?<\/li>\n<\/ul>\n\n\n\n<p><span role=\"region\" class=\"format-label--note\"><span class=\"format-label__text\">Note<\/span> Who was to blame for the accident or the need for a driver&#8217;s license&nbsp;(DL) has no bearing on the outcome of the hearing.<\/span><\/p>\n\n\n\n<div class=\"wp-block-dmv-spacer-block spacer-box\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Suspension of Registered Owner<\/h2>\n\n\n\n<p>The driver may believe the registered owner should be responsible and be suspended because the driver had no knowledge of the registered owner not having insurance coverage on the vehicle. The driver&#8217;s request in this situation cannot be honored. It is the responsibility of the driver who was involved in the accident to show evidence of financial responsibility. The insurance laws also apply to the registered owner.<\/p>\n\n\n\n<p>The registered owner of the vehicle involved in the accident will have their driving privilege suspended when there is no evidence of financial responsibility under the following conditions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The vehicle was a driverless runaway (<a href=\"http:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=VEH&amp;sectionNum=16001\" target=\"_blank\" rel=\"noreferrer noopener\">CVC&nbsp; \u00a716001<\/a><span>); or<\/span> <\/li>\n\n\n\n<li>The driver cannot be identified.<\/li>\n<\/ul>\n\n\n\n<p>A financial responsibility action is taken against the driver when the driver is known. If the driver cannot be identified in situations of hit and run, or uses false identification, and the registered owner does not identify the driver, the owner must then submit the required evidence of insurance or their driving privilege will be suspended.<\/p>\n\n\n\n<div class=\"wp-block-dmv-spacer-block spacer-box\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Restrictions and Exemptions<\/h2>\n\n\n\n<p>The period of the suspension under <a rel=\"noreferrer noopener\" href=\"http:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=VEH&amp;sectionNum=16070\" target=\"_blank\">CVC&nbsp;\u00a716070<\/a> is minimum one year. At the end of the suspension, proof of insurance must be filed and maintained with DMV&nbsp;for three years, per&nbsp;<a href=\"http:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=VEH&amp;sectionNum=16430\" target=\"_blank\" rel=\"noreferrer noopener\"><span>CVC&nbsp;<\/span>\u00a716430<\/a>.<\/p>\n\n\n\n<p>Instead of the suspension, a person may apply for a restricted license per the requirements of <em>CVC&nbsp;\u00a7\u00a7<\/em><a href=\"http:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=VEH&amp;sectionNum=16072\" target=\"_blank\" rel=\"noreferrer noopener\">16072<\/a> and <span><a href=\"http:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=VEH&amp;sectionNum=16077\" target=\"_blank\" rel=\"noreferrer noopener\">16077<\/a><\/span>. A DL suspension or revocation in effect for any cause other than an insurance suspension will prevent the issuance of a restricted license. The restriction remains in effect for the period of suspension and evidence of insurance must be maintained with DMV. After the restriction period ends, proof of insurance must continue to be on file for three years.<\/p>\n\n\n\n<p>A person who is required to drive during employment may apply for a course of employment exemption which allows for the operation of a motor vehicle for compensation not registered in the person&#8217;s name in order to perform job duties in the course of employment (<a href=\"http:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=VEH&amp;sectionNum=16073\" target=\"_blank\" rel=\"noreferrer noopener\">CVC&nbsp;\u00a716073<\/a>). The suspension remains in effect, and the exemption does not authorize driving to and from work.<\/p>\n\n\n\n<p>Any driving other than that permitted by the restriction or exemption is citable under the CVC.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-dmv-spacer-block spacer-box\"><\/div>\n\n\n\n<figure class=\"wp-block-dmv-illustration aligncenter is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.dmv.ca.gov\/portal\/wp-content\/themes\/dmv\/dist\/images\/illustrations\/teen_driver.svg\" class=\"dmv-illustration\" width=\"350\" height=\"137\" aria-hidden=\"true\" alt=\" \"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\">Need something else?<\/h2>\n\n\n\n<section class=\"featured-tiles-block full-width full-width--slant\">\n\n\t<div class=\"container container--full\">\n\t\t\n\n\t<div class=\"content-tile\">\n\t\t<div class=\"content-tile__info\">\n\t\t\t\t\t\t\t\t\t\t\t\t<h3>Insurance Requirements<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>You must carry evidence of insurance in your vehicle at all times, and it must be provided when requested by law enforcement, when you are renewing vehicle registration, or when the vehicle is involved in a traffic collision.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"content-tile__ctas\">\n\t\t\t\t\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.dmv.ca.gov\/portal\/vehicle-registration\/insurance-requirements\/\">More about insurance requirements<\/a><\/div>\n\n\t\t\t<\/div>\n\t\t<\/div>\n\t\n\n\n\t<div class=\"content-tile\">\n\t\t<div class=\"content-tile__info\">\n\t\t\t\t\t\t\t\t\t\t\t\t<h3>Affidavit of Non-Use (ANU)<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>If you have already renewed your vehicle&#8217;s registration but do not plan on storing or driving it on public roadways, you may file an ANU to waive the proof of insurance requirement for the rest of the renewal year.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"content-tile__ctas\">\n\t\t\t\t\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.dmv.ca.gov\/portal\/vehicle-registration\/affidavit-of-non-use\/\">Submit an ANU online<\/a><\/div>\n\n\t\t\t<\/div>\n\t\t<\/div>\n\t\n\n\n\t<div class=\"content-tile\">\n\t\t<div class=\"content-tile__info\">\n\t\t\t\t\t\t\t\t\t\t\t\t<h3>Reinstate Suspended Registration<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>If your registration was suspended because you were unable to provide proof of financial responsibility (insurance), you can submit proof of insurance online to reinstate your registration.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"content-tile__ctas\">\n\t\t\t\t\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.dmv.ca.gov\/portal\/vehicle-registration\/insurance-requirements\/suspended-vehicle-registration\/\">Reinstate your registration<\/a><\/div>\n\n\t\t\t<\/div>\n\t\t<\/div>\n\t\n\t<\/div>\n\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Need something else?<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":1786,"menu_order":8,"comment_status":"closed","ping_status":"closed","template":"","meta":{"ep_exclude_from_search":false,"dmv_page_popups":[],"dmv_ribbon_color":"#EEF6FB","dmv_top_illustration":"car.svg","dmv_page_title":"","dmv_page_subtitle":"","dmv_exclude_from_search_results":false,"dmv_allowed_editors":[],"dmv_display_translate_button":false,"footnotes":""},"categories":[99],"tags":[9279,7713,7725,4275,9306,9303,9297,9282,9288,2101,9300,9294,9285,9291,7722],"dmv_task":[],"dmv_functional_page_type":[],"dmv_content_type":[],"class_list":["post-1762","page","type-page","status-publish","hentry","category-financial-responsibility","tag-disciplinary-guidelines","tag-evidence-of-financial-responsibility","tag-evidence-of-insurance","tag-financial-responsibility","tag-financial-responsibility-hearing","tag-fr","tag-fr-hearing","tag-hearing-procedures","tag-injured","tag-insurance","tag-liability-insurance-policy","tag-monetary-protection","tag-property","tag-reportable-accidents","tag-self-insurance"],"featured_image_src":null,"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Financial Responsibility (Insurance) - California DMV<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.dmv.ca.gov\/portal\/driver-education-and-safety\/dmv-safety-guidelines-actions\/financial-responsibility-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial Responsibility (Insurance) - California DMV\" \/>\n<meta property=\"og:description\" content=\"Need something else?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.dmv.ca.gov\/portal\/driver-education-and-safety\/dmv-safety-guidelines-actions\/financial-responsibility-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"California DMV\" \/>\n<meta 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