CALIFORNIA CAR INSURANCE: In California, which vehicles are normally found to be covered under a valid California auto insurance liability policy?

The following are normally covered vehicles in a valid California auto insurance liability policy:

Named vehicles: 
 An accident in a non-named vehicle is covered only if a named insured was driving the vehicle.

Added vehicles:  This includes any vehicle with which the named insured replaces the original named vehicle, and any additional vehicle the named insured owns during the policy period (you may be required to notify the company of the new or different vehicle within 30 days after you acquire it).  This is why when you lease a new car, you need to report the change to the leased vehicle within 30 days.

Temporary vehicles:  A temporary vehicle is any vehicle, including a rental vehicle, that substitutes for an insured vehicle that is out of use because it needs repair or service, or has been destroyed.