Private passenger automobile
This is defined as a motor vehicle for private passenger type vehicles including autos, pickup trucks, vans, motorcycles and recreational vehicles that are not used for public transportation nor rented to others.
This is defined as a motor vehicle used or maintained for the transportation of persons for hire, compensation, or profit or designed, used or maintained primarily for the transportation of property.
Transfer or delivery of people or things for a fee.
This coverage follows the vehicle on a primary basis so that, if a neighbor borrows my car to go to the store and rear-ends another vehicle, the insurance on my vehicle is the policy that will pay first (primary), and the driver's policy is secondary (excess).
When the primary policy coverage is not enough, the excess coverage will apply as well.
Special physical damage
High performance vehicles, antique or classic vehicles, big rigs, and other specialized or customized vehicles may not qualify for normal physical damage coverage and may need a special physical damage rider or endorsement.
Defined as a hit and run vehicle, a person without insurance and/or an insurer that becomes insolvent.
This is damage to the insured's vehicle from impact with another vehicle and/or object, and upset (flipping the vehicle over).
Other than collision (Comprehensive)
This is damage to the insured's vehicle from impact with an animal, and damage from hail, windstorm, fire, theft, vandalism, glass breakage, water, flood, falling objects, aircraft, explosion, and missiles.
Non-standard physical damage coverage
This typically insures drivers who have less than favorable driving records or less driving experience than is desirable to a company.
This is used to cover the "gap" between how much you owe on the vehicle and its actual cash value. GAP coverage is also known as residual debt.
California Automobile Assigned Risk Plan
CAARP administers the state's assigned risk insurance plan for drivers otherwise unable to obtain insurance.
Low cost automobile insurance
The primary goal of the California Low Cost Automobile Insurance Program (CLCA) is to provide an affordable auto insurance option to low-income good drivers. The program is administered by CAARP.
Market Conduct Bureau
The Market Conduct Bureau conducts examinations of California licensed insurer's claims-handling practices and reports the results to the commissioner. The purpose of MCB is to protect the public.