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Cohabitation in California question


First off, I am not sure what to call my relationship with my partner (female), I am male who has been living with me for the better part of the last 6-7 years. We broke up for 3 months this year, she moved out and now she is back living w/ me. To qualify for domestic partnership for her insurance, I am on her checking/savings account. She is added onto my auto insurance. I have questions if we are considered domestic partners, cohabitators, or common law? If so, what sort of legal implications are there if we split up? Or if someone comes after her say for car accident, am I liable for it also?

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