Topic 7 · Insurance and Financial Responsibility
What does liability insurance cover?
- Injuries and damages you cause to others — correct answer
- Your own medical bills, regardless of fault
- Routine vehicle maintenance
Why
It covers injuries and damage you cause to others — not your own vehicle or your own injuries. (Handbook, Section 10.)
Practise this in the real format
Reading one answer is not the same as sitting the test. The simulator runs the first-time adult form: 36 questions, 6 mistakes allowed, 83% to pass.
Source: California Driver's Handbook (DL 600, rev. 6/2025), the document the DMV writes the real test from. Edited by Fernando Aguilera. Aprobify is not affiliated with the California DMV.
More from Insurance and Financial Responsibility
- Who should you exchange information with at the accident scene?
- California’s minimum liability limits as of January 1, 2025, are:
- Nobody is hurt in your collision and the vehicles are blocking traffic. You should:
- A collision is added to your driver's record:
- If you are not at fault and the other driver has no insurance, what California coverage pays for your car’s repairs?
- What is the minimum car insurance required in California as of 2025?