In California, drivers are required to carry liability insurance. Proposition 213, also known as the Personal Responsibility Act of 1996 provides that that those who are in an automobile accident that do not carry automobile liability insurance as required by the California Financial Responsibility Laws are not entitled to recovery of non-economic damages for pain, suffering, inconvenience, physical impairment, disfigurement, and other non-pecuniary damages. The provisions of Proposition 213 are embodied in the Civil Code §§ 3333.3 and 3333.4.
You should always make sure that you have insurance on your vehicles and that any vehicle you drive is insured.
An exception to Proposition 213 occurs when the driver of the “at fault” vehicle was under the influence of alcohol or drugs at the time of the accident. Additional exceptions to Proposition 213 include minors, and those individuals making a claim for wrongful death damages.