## What RA insurance is for
It covers liability for driving a vehicle you do not own — a household car, an employer vehicle, a newly purchased car before you add it to your policy.
## What it does not cover
No coverage for a vehicle in your own name in California. That gap is the single most common misunderstanding.
## When it is worth it
When you drive other people’s cars regularly and cannot add them to a policy you hold.
### Costs compared to alternatives
Usually cheaper than full coverage, because the risk exposure is narrower. That is the trade, not a bargain.
## Frequently Asked Questions
### Can I add my own car later?
Usually yes, but it changes the product entirely. Ask before you buy, not after.
### Does it cover damage to the car I drive?
No. It covers your liability, not their vehicle damage.
### Is it cheaper than a normal policy?
Generally yes, because it carries less risk.