republic-os/legislation/us/states/ca/20112012/ab-125.md

---
type: "Bill"
title: "Insurance: guaranteed asset protection."
description: "Existing law defines guaranteed automobile protection (GAP) insurance as insurance in which a person agrees to indemnify a vehicle purchaser or lessee for any of the difference between the actual cash value of the insured's vehicle at the time of an unrecovered theft or total loss and the amount owed on the vehicle pursuant to the terms of a loan, lease agreement, or installment sales contract used to purchase or lease the vehicle."
jurisdiction: "us/states/ca"
legislature: "California Legislature"
session: "20112012"
identifier: "AB 125"
citation: "California AB 125 (20112012)"
classification: ["bill"]
subjects: ["Insurance: guaranteed asset protection."]
status: "enacted"
primary_sponsors: ["Committee on Insurance"]
version_count: 6
action_count: 20
vote_count: 5
first_action: "2011-01-10"
last_action: "2011-05-10"
source: "openstates"
source_identifier: "ocd-bill/d4005a5d-65f8-45cc-a6e3-d910e5f3b0f9"
source_url: "http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201120120AB125"
source_hash: "05ad18f4b6546da22b9cbe1a78fb9ac2f3578cd5842ce50ac775611cea35bf79"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-ca"]
---

# California AB 125 (20112012) — Insurance: guaranteed asset protection.

Existing law defines guaranteed automobile protection (GAP) insurance as insurance in which a person agrees to indemnify a vehicle purchaser or lessee for any of the difference between the actual cash value of the insured's vehicle at the time of an unrecovered theft or total loss and the amount owed on the vehicle pursuant to the terms of a loan, lease agreement, or installment sales contract used to purchase or lease the vehicle.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **01/10/11 - Introduced** (filed) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201120120AB125&version=20110AB12599INT)
2. **02/22/11 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201120120AB125&version=20110AB12598AMD)
3. **03/07/11 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201120120AB125&version=20110AB12597AMD)
4. **05/10/11 - Chaptered** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201120120AB125&version=20110AB12595CHP)
5. **AB125** (committee substitute) — [source](http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201120120AB125)
6. **04/26/11 - Enrolled** (enrolled) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201120120AB125&version=20110AB12596ENR)

## Votes

- Be referred to Committee on Insurance. — **10–0** (pass) · lower
- Do pass. — **6–0** (pass) · upper
- AB 125 INS. Third Reading Urgency By SOLORIO — **72–0** (pass) · lower
- Do pass as amended. — **11–0** (pass) · lower
- 3rd Reading AB125 Committee on INS. (Solorio) By Calderon Urgency Clause — **40–0** (pass) · upper

## Sponsors

- Committee on Insurance — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2011-01-10** Read first time. To print. `reading-1`
- **2011-01-11** From printer. May be heard in committee February 10.
- **2011-01-27** Referred to Com. on L. & E. `referral-committee`
- **2011-02-22** From committee chair, with author's amendments: Amend, and re-refer to Com. on L. & E. Read second time and amended. `reading-2, amendment-introduction, reading-1, amendment-passage`
- **2011-02-23** Re-referred to Com. on L. & E. `referral-committee`
- **2011-02-24** Re-referred to Com. on RLS. pursuant to Assembly Rule 96. `referral-committee`
- **2011-02-24** From committee: Be re-referred to Com. on INS. Re-referred. (Ayes 10. Noes 0.) (February 24). Re-referred to Com. on INS. `referral-committee, committee-passage`
- **2011-03-03** From committee: Do pass as amended. (Ayes 11. Noes 0.) (March 2). `amendment-passage, committee-passage, committee-passage-favorable`
- **2011-03-07** Read second time and amended. Ordered to second reading. `reading-2, reading-1, amendment-passage`
- **2011-03-08** Read second time. Ordered to third reading. `reading-2, reading-1`
- **2011-03-10** Read third time. Urgency clause adopted. Passed. Ordered to the Senate. (Ayes 72. Noes 0. Page 530.). `reading-3, reading-1, passage`
- **2011-03-10** In Senate. Read first time. To Com. on RLS. for assignment. `reading-1`
- **2011-04-07** Referred to Com. on INS. `referral-committee`
- **2011-04-13** From committee: Do pass. (Ayes 6. Noes 0.) (April 13). `committee-passage, committee-passage-favorable`
- **2011-04-14** Read second time. Ordered to third reading. `reading-2, reading-1`
- **2011-04-25** Read third time. Urgency clause adopted. Passed. Ordered to the Assembly. (Ayes 40. Noes 0. Page 709.). `reading-3, reading-1, passage`
- **2011-04-25** In Assembly. Ordered to Engrossing and Enrolling. `committee-passage`
- **2011-04-28** Enrolled and presented to the Governor at 3 p.m.
- **2011-05-09** Approved by the Governor. `executive-signature`
- **2011-05-10** Chaptered by Secretary of State - Chapter 24, Statutes of 2011.

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/d4005a5d-65f8-45cc-a6e3-d910e5f3b0f9`. Confidence: reported (aggregated from official California legislature records).