If the injury leading to death occurred while the deceased was in the process
of working on or repairing a
car; doing certain commercial work or work for charge as defined in the specifics
of the
mandatory car insurance policy; died as a result
of suicide, died as a result
of war, nuclear reaction, or contamination; died as a result
of being struck by a railroad
car or a farm tractor; or died as a result
of injuries sustained while racing, there is generally no coverage on these
types of policies.
Though you can opt for different
types of insurance and coverage, state law makes it
mandatory to have a minimum coverage on specific
types of California
car insurance.