Motor vehicle insurance includes all insurance on motor or power driven vehicles, except those operating on water or on rails, against loss or damage to or loss of use of the vehicle or its tools, appliances or equipment, against legal liability for loss or damage to persons or property resulting through the operation of the vehicle caused by fire, self-ignition, explosion, theft, collision or other insurance hazards, including hazards incident to transporting such vehicle by land or water.

SOURCE: GC § 43306.