CA AB2298

Prohibits insurers from increasing premiums on private automobile insurance policies for peace officers, California Highway Patrol members, and firefighters when accidents occur while operating authorized emergency vehicles, employer-leased/rented vehicles, or private vehicles used at the employer's request during duty.

Exempts peace officers, Highway Patrol members, and firefighters from reporting accidents involving employer-leased or employer-rented vehicles to their private automobile insurers.

Requires employers to assume liability and defense costs for accidents when employees use private vehicles at the employer's direction, with the vehicle owner having no liability; employees must report all accident details to their insurer within 10 days.

Prohibits insurers from denying defense or indemnification based on delayed reporting by employees, provided the employee complies with accident reporting requirements within 10 days.

Allows proof of financial responsibility to be established by filing reports indicating vehicles were owned, rented, or leased by government entities or operated by public safety employees at the direction of government agencies.