Topic 7 · Insurance and Financial Responsibility
What is California’s ‘No pay, no play’ rule?
- Uninsured drivers cannot recover non-economic damages even if the other driver is at fault — correct answer
- Insurance is not required if you own your car outright
- You cannot drive at night without insurance
Why
An uninsured driver cannot recover non-economic damages such as pain and suffering, even when the other driver caused the collision.
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
- 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?
- You must be able to show proof of insurance:
- If you are uninsured in a not-at-fault accident and suffer injuries, what can you not claim?
- After an accident, who determines fault if there is disagreement?
- You are required to carry proof of insurance: