California Codes

Cal. Insurance Code § 11580.06 (2026)

Actions on Policies Containing Liability Provisions

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Except as may be otherwise provided in this article:

(a)The term “motor vehicle” means any vehicle designed for use principally upon streets and highways and subject to motor vehicle registration under the laws of this state.

(b)The term “insured” shall include the person or persons to whom any policy subject to this article is issued as named insured and any other person to whom coverage is afforded under the terms of any such policy.

(c)The term “bodily injury” shall include sickness or disease, including death resulting therefrom.

(d)The term “automobile” means any self-propelled motor vehicle, with neither more than nor less than four wheels, designed for use principally upon streets and highways and subject to motor vehicle registration under the laws of this state.

(e)The term “arrest” shall have the same meaning as set forth in Section 834 of the Penal Code.

(f)The term “operated by” or “when operating” shall be conclusively presumed to describe the conduct of the person sitting immediately behind the steering controls of the motor vehicle. The person shall be conclusively presumed to be the sole operator of the motor vehicle.

(g)The term “use” when applied to a motor vehicle shall only mean operating, maintaining, loading, or unloading a motor vehicle.

(h)The word “terms” when used with reference to a policy or endorsement includes the provision of coverage, exclusions, restrictions, conditions, deductions, and limits.

(i)Unless otherwise provided in this code, the term “leased motor vehicle” means a motor vehicle leased or rented by a lessor licensed to lease motor vehicles under a written contract for a period of six months or longer.

Notes of Decisions
Cited in 20 cases, 1975–2020 · leading case: Encompass Ins. Co. v. Coast Nat'l Ins. Co., 764 F.3d 981 (9th Cir. 2014).
Encompass Ins. Co. v. Coast Nat'l Ins. Co., 764 F.3d 981 (9th Cir. 2014). · cites it 5× “The text of the California Insurance Code makes clear that “unloading” a motor vehicle constitutes “use” of that motor vehicle.”
State Farm Mut. Auto. Ins. Co. v. Grisham, 122 Cal. App. 4th 563 (Cal. Ct. App. 2004). “2d 301 ( Kramer ); Ins.Code, § 11580.06, subd. (g); see Entz v.”
Jaramillo v. Mercury Ins., 494 N.W.2d 335 (Neb. 1993). “The term “insured” is defined in Cal. Ins. Code § 11580.06 (West 1988), which states that this term of art “shall include the person or persons to whom any policy subject to this article is issued as named insured and any other person to whom coverage is afforded under the terms…”
Oregon Mut. Ins. Compan v. Nat'l Gen. Ins. Com, 436 F. App'x 802 (9th Cir. 2011). “” Cal. Ins. Code § 11580.06 (g). The events giving rise to a claim under an automobile insurance policy must arise out of, and be related to, the “use” of the vehicle.”
Hartford Accident & Indem. Co. v. Jackson, 150 Cal. App. 3d 111 (Cal. Ct. App. 1983). “The uninsured motorist insurance law provides for coverage for losses the insured shall be legally entitled to recover as damages “from the owner or operator of an uninsured motor vehicle.”
Roug v. Ohio Sec. Ins., 182 Cal. App. 3d 1030 (Cal. Ct. App. 1986). “1 Insurance Code section 11580.06, subdivision (d) defines “automobile” as “.”
United Servs. Auto. Assn. v. Lilly, 217 Cal. App. 3d 1396 (Cal. Ct. App. 1990). “Moreover, Insurance Code section 11580.06, subdivision (c) [part of article 2, chapter 1 of part 3] relating to “Actions on Policies Containing Liability Provisions,” applicable here, reasonably defines “bodily injury” as “including death resulting therefrom.”
Pub. Employees Ins. v. Mitchell, 173 Cal. App. 3d 814 (Cal. Ct. App. 1985). “California Insurance Code Section 11580.06(a) defined ‘motor vehicle’ as any vehicle designed for use principally upon streets and highways and subject to motor vehicle registration under the laws of the State of California, [ft] The dirt bike was identified by both parties to…”
Farmers Ins. Exch. v. Galvin, 170 Cal. App. 3d 1018 (Cal. Ct. App. 1985). “” 2 In contrast, Insurance Code section 11580.06, subdivision (a) defines motor vehicle as “any vehicle designed for use principally upon streets and highways and subject to motor vehicle registration under the laws of this state.”
Meritplan Ins. v. Woollum, 52 Cal. App. 3d 167 (Cal. Ct. App. 1975). “Insurance Code, section 11580.06 states, in subdivision (b): “The term ‘insured’ shall include the person or persons to whom any policy subject to this article is issued as named insured and any other person to whom coverage is afforded under the terms of any such policy.”
Royal Indem. Co. v. Rolofson, 213 Cal. App. 3d 373 (Cal. Ct. App. 1989). “The policy before us is, as respondent points out, governed by the provisions of the Insurance Code in effect in 1984, when the policy was issued.”
State Farm Mut. Auto. Ins. v. Grisham, 122 Cal. App. 4th 563 (Cal. Ct. App. 2004). “2d 301 ] (Kramer); Ins. Code, § 11580.06, subd. (g); see Entz v.”
Cal. Insurance Code § 11580.06(a): 1 case
Pub. Employees Ins. v. Mitchell, 173 Cal. App. 3d 814 (Cal. Ct. App. 1985). “California Insurance Code Section 11580.06(a) defined ‘motor vehicle’ as any vehicle designed for use principally upon streets and highways and subject to motor vehicle registration under the laws of the State of California, [ft] The dirt bike was identified by both parties to…”
Cal. Insurance Code § 11580.06(f): 1 case
Allstate Ins. v. Szemeredi, 54 F. App'x 261 (9th Cir. 2002).
Cal. Insurance Code § 11580.06(g): 2 cases
Encompass Ins. Co. v. Coast Nat'l Ins. Co., 764 F.3d 981 (9th Cir. 2014). “The text of the California Insurance Code makes clear that “unloading” a motor vehicle constitutes “use” of that motor vehicle.”
Wincor Nixdorf Inc. v. Discover Prop. & Cas. Ins., 612 F. App'x 900 (9th Cir. 2015).
Cal. Insurance Code § 11580.06(i): 1 case
Ramirez v. State Farm Mut. Auto. Ins., 40 F. App'x 590 (9th Cir. 2002).
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