§ 16454 Auto Policy Liability Exclusions

Vehicle Code·California

AI SummaryVerified

This law says car insurance doesn't have to pay for injuries to the driver or damage to property they were responsible for at work.

Key Takeaways

•Car insurance doesn't cover your own injuries if you cause a crash
•If you damage stuff you were supposed to take care of for work, your car insurance might not pay
•Work injuries are usually covered by workers' compensation, not car insurance

Example

You drive a delivery truck for your job and get into an accident while making a delivery.

Your car insurance won't pay for your injuries or damage to the packages you were delivering because this law says they don't have to cover work-related stuff.

AI-generated — May contain errors. Not legal advice. Always verify source.

Official Source

View on CA.gov

§ 16454 Auto Policy Liability Exclusions

Any motor vehicle liability policy need not cover any liability for injury to the assured or any liability of the assured assumed by or imposed upon the assured under any workers’ compensation law nor any liability for damage to property in charge of the assured or the assured’s employees or agents. (Amended by Stats. 1974, Ch. 1454.)

Last verified: January 9, 2026

Key Terms

motor vehicle liability policy workers’ compensation law property in charge of the assured

References

Official text at leginfo.legislature.ca.gov
California Legislature. Vehicle Code. Section 16454.

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Key Takeaways

Example

Key Terms

Related Statutes

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