OK, in California for a person to be insured - they either have to be a named insured on the vehicles insurance
policy OR have their own auto insurance policy.
Since she has neither - your insurance company is going to deny coverage for the accident.
She is going to have to turn in her medical expenses on her health insurance
As to the damages in the accident - she will be personally liable for such.
California requires that every driver have a minimum level of California Auto insurance. The requirements are called 15/30/5. This means that the insurance carrier can pay $15,000 if there is one injury, $30,000 if there are 2 or more and $5,000 in property damage to the other car. Remember that liability only insurance covers damage done to someone else and doesn’t replace your own vehicle.
If you do not have liability insurance, the California Department of Motor Vehicles will suspend your license for up to 1 year. If you do not pay the damages you’re responsible for, they could suspend the license until you do. If you do not have liability insurance, you are personally responsible for all damage done.
If someone in your household has their own vehicle and auto insurance, you don’t have to put them on your insurance if they drive your auto occasionally. But if they cause an accident in your vehicle, their own insurance will have to pay the damages.
I realize that this answer may not be entirely to your liking, and I regret being the bearer of information that you really don’t want to hear. But it would be unfair to you and unprofessional of me were I to provide you with anything less than truthful and honest information.
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