California Codes

Cal. Insurance Code § 11580.05 (2026)

✓ current as of May 2026
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The Legislature declares that the public policy of this state in regard to provisions authorized or required to be included in policies affording automobile liability insurance or motor vehicle liability insurance issued or delivered in this state shall be as stated in this article, that this article expresses the total public policy of this state respecting the content of such policies, and that no provision of this article or of the Vehicle Code shall apply to policies affording automobile liability insurance or motor vehicle liability insurance in the Republic of Mexico issued or delivered in this state by a nonadmitted Mexican insurer. The Legislature further declares that it is the intent of the Legislature that the requirements set forth in Article 2 (commencing with Section 16450) of Chapter 3 of Division 7 of the Vehicle Code shall apply only to an owner’s policy or operator’s policy of liability insurance certified as provided in Section 16431 of the Vehicle Code as proof of ability to respond in damages, and that the requirements set forth in Article 4 (commencing with Section 11620) of Chapter 1 of Part 3 of Division 2 of the Insurance Code shall apply only to automobile liability insurance policies issued under the California Assigned Risk Plan. Except as provided above, any other policy issued or delivered in this state affording liability insurance with respect to ownership, maintenance, or use of a motor vehicle shall comply with the requirements set forth in Sections 11580, 11580.1, and 11580.2.

Notes of Decisions
Cited in 11 cases (1 in the last 5 years), 1975–2023 · leading case: Jaramillo v. Mercury Ins., 494 N.W.2d 335 (Neb. 1993).
Jaramillo v. Mercury Ins., 494 N.W.2d 335 (Neb. 1993). “The California Legislature declared in Cal. Ins. Code § 11580.05 (West 1988) that “ ‘this article expresses the total public policy of this state respecting the contents of [automobile liability insurance] policies.”
Home Indem. Co. v. King, 670 P.2d 340 (Cal. 1983). “(Ins. Code, § 11580.05.) 2 With respect to its first point, Home asserts that the PUC endorsement does not operate to broaden the definition of insured to include Martin.”
Empire Fire & Marine Ins. Co. v. Bell, 97 Cal. Daily Op. Serv. 4965 (Cal. Ct. App. 1997). “(Ins. Code, § 11580.05.) 7 Vehicle Code section 16450, in turn, defines a “motor vehicle liability policy.”
Real v. United States Fire Ins. Crum & Forster, 64 F. Supp. 2d 958 (E.D. Cal. 1998). “Insurance Code § 11580.05 provides that “this article expresses the total pubhc policy of this state respecting the content of [automobile liability insurance or motor vehicle liability insurance] policies.”
Grand Rent a Car Corp. v. 20th Century Ins., 25 Cal. App. 4th 1242 (Cal. Ct. App. 1994). “” (Ins. Code, § 11580.05.) Insurance Code section 11580.”
Hartford Accident & Indem. Co. v. Jackson, 150 Cal. App. 3d 111 (Cal. Ct. App. 1983). “Although defendant has framed his contentions in terms of *114 laches, estoppel and waiver, he argues in essence that the trial court lacked jurisdiction to hear the controversy regarding uninsured motorist coverage and that the dispute should be submitted to arbitration.”
Farmers Ins. Exch. v. Teachers Ins. Co., 101 Cal. App. 3d 804 (Cal. Ct. App. 1980). “” (Ins. Code, § 11580.05; italics added.) The same enactment included Insurance Code section 11580.”
Occidental Fire & Cas. Co. v. Lumbermens Mut. Cas. Co., 667 F. Supp. 679 (N.D. Cal. 1987). “The public policy is stated in Cal.Ins.Code § 11580.05, and the mandatory permissive user coverage is set out in Cal.”
Meritplan Ins. v. Woollum, 52 Cal. App. 3d 167 (Cal. Ct. App. 1975). “Insurance Code section 11580.05 provides that, except for owners’ or operators’ policies certified as provided in Vehicle Code section 16450 et seq.”
Wonn v. Am. Fam. Connect Prop. & Cas. Ins. Co. (E.D. Cal. 2023). “Cal. Ins. Code § 11580.05 . Any automobile liability policy issued or delivered in 16 California “shall comply with the requirements set forth in [Insurance Code] Sections 11580, 17 11580.”
Gen. Sec. Ins. v. Reliance Ins., 33 F. App'x 310 (9th Cir. 2002). “California Insurance Code § 11580.05 confirms that, with the exception of a few categories of pobcies to which the Rebanee pobey does not belong, “any other policy issued or delivered in this state affording habihty insurance with respect to ownership, maintenance, or use of a…”
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