Originally Posted by
garykung
Interestingly, the CA DMV does not actually require insurance, but instead accept the following:
"- Motor vehicle liability insurance policy.
- Cash deposit of $35,000 with DMV.
- DMV-issued self-insurance certificate.
- Surety bond for $35,000 from a company licensed to do business in California."
Because of this common misunderstanding, many simply ask for insurance. What they actually mean is proof of financial responsibility.
I feel like the latter three options don't come up that often, hence why a lot of people equate insurance with proof of financial responsibility.
In any case, I highly doubt Enterprise verifies what you tell them most/all of the time since in my experience, they just want the insurance company's name and deductible. Besides, CDW isn't liability insurance, so Enterprise isn't exactly in the wrong here.