You should also know that if you do not carry this insurance, the California DMV can suspend your license for up to one year. In addition, you will be personally responsible for all the extent of damage to another vehicle in case of accident.
If the person at home has its own vehicle and your own insurance, do not have to put on your insurance. However, if they get into an accident in your car, your own insurance policy should cover.
Additional driver insurance only covers a car or cars. The covered person has no protection when other people drive cars.
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