Consumer Protection Law
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Basically, in CA, for personal liability, the insurance follows the car; so under the doctrine
A car owner can be held liable/responsible for the negligence of a person that the owner allows to drive the car. This is why it is important to have liability insurance on one's car.
If an accident causes personal injuries or property damage, then the injured party may file suit againts the owner of the car, and the driver of the car.
Some insurance policies require that a regular driver be listed as a driver (this is a matter of contract law and it varies by the policy) but typically this is reserved for relatives; however, one's policy should be reviewed to ensure there are no restrictions.
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