Lemon Law for California

As expensive as it may be, if you carry collision coverage on your vehicle, you likely have a deductible that you must fork over first before your insurance will kick in and pay anything for repairs. If the other driver is at fault, his or her insurance company covers the repair bills under their liability coverage. If that driver is uninsured, however, some policies provide uninsured motorist coverage for property damage to vehicles. “Loss” means damage to your insured car, including its equipment, caused by actual, direct physical contact with an uninsured motor vehicle.

“Uninsured Motor Vehicle” means any motor vehicle which is not insured by a property damage liability bond or policy at the time of the accident; or which is insured by a liability bond or policy at the time of the accident which provides property damage liability limits less than the minimum property damage liability limits required by the Financial Responsibility Law of the state in which your insured car is principally garaged; or which is insured by a property damage liability bond or policy at the time of the accident but the company denies coverage or is or becomes insolvent within one year of the accident; or which is used without permission of the owner if there is no property damage liability bond or policy applicable at the time of the accident. However, a motor vehicle which has at least the minimum property damage liability limits required pursuant to the Financial Responsibility provisions of the Vehicle Code of the State of California shall not be held to be an uninsured motor vehicle even when the property damage liability limits are not sufficient to compensate for all property damage caused by the owner or operator of the vehicle.“Uninsured Motor Vehicle”, however, does not mean a vehicle, which is: owned or operated by you or anyone living in the same household in which you live; or owned or operated by a self-insurer as contemplated by any financial responsibility law, motor carrier law or similar law; or owned by a governmental unit or agency; or operated on rails or crawler-treads, or while located for use as a residence and not as a vehicle; or a farm-type tractor, or any equipment designed for use principally off public roads except while actually upon public roads.