Can someone drive my car if they are not on my insurance in Michigan?
Asked by: Elmer Franecki Jr. | Last update: March 27, 2025Score: 4.4/5 (60 votes)
What happens if someone who isn't on your insurance crashes your car in Michigan?
What if my friend causes an automobile accident and they don't have insurance? In Michigan, your liability insurance coverage will provide you liability protection up to the policy limits you selected in your policy if your uninsured friend got in to automobile accident in your vehicle and injured or killed someone.
Can my boyfriend drive my car if he's not on my insurance in Michigan?
In Michigan, generally, if you let someone else drive your car they are typically covered by your insurance policy as long as you give them permission, they have a valid Michigan driver's license and own a vehicle that is registered and insured in Michigan and aren't excluded from your policy.
Do all household members need to be on car insurance in Michigan?
Not everyone has to be listed as a driver, but they do need to be listed as a household member and you need to provide proof they have qualifying health coverage if they are opting out of unlimited PIP. Most carriers online system is not set up for this quirk of Michigan law.
Can my wife drive my car if she's not on my insurance?
Yes, as long as that person is legally licensed to drive. In the USA, most if not all car insurance policies cover the occasional driver who is known by you and for which you give that person permission to drive your car. Be careful if you have a ...
Can Someone Drive My Car if They're Not on My Insurance?
Can my daughter drive my car if she is not on my insurance?
Allowing another licensed driver to borrow your vehicle is known as "permissive use," which means you give someone, who isn't listed on your car insurance policy, permission to operate your vehicle. If they're involved in an accident, your auto insurance may pay for the damages and injuries, up to your coverage limits.
What happens if someone borrows your car and gets in an accident?
Vehicle Owners Are Liable Under California Law
This law holds a vehicle's owner responsible for collisions caused by the driver of the vehicle – even if the driver is not the owner. Liability is determined by identifying the actual owner of the vehicle.
Does insurance follow the car or the driver in Michigan?
In Michigan, generally the answer to the question of does insurance follow the car or the driver is that auto No-Fault insurance coverage will follow the driver, but depending on the contract language of your policy, it can also follow the vehicle. Liability exposure will almost always include both.
Can my son drive my car if he doesn't live with me?
If your son doesn't live with you but needs to borrow your car, he can do so with your permission. It is known as permissive use, which means that when someone who doesn't live with you gets permission to borrow your car, they are also “borrowing” your auto insurance coverage.
What happens if someone who isn't on your insurance crashes your car Progressive?
If an unauthorized driver not on your insurance causes an accident, your liability coverage may not apply. However, with collision insurance, it covers damages to your vehicle if a friend crashes it.
Can you let someone who is not on your insurance drive your car?
Permissive use
Most car insurance policies will cover drivers you've listed on the policy, or anyone whom you give permission to drive your car, says Nolo.com. This means your insurance will likely cover another driver in the event of an accident, if they had your permission to drive your vehicle.
What happens if a driver is not listed on an insurance policy?
You regularly allow a family member or friend to drive your car, but they aren't named on your auto policy. If this person gets in an accident while driving your car, your insurance company will likely deny your claim, leaving you liable for the damages.
What happens if my child wrecks my car?
Many states across the U.S. have passed laws which hold parents and guardians responsible for their teen drivers. California is one of the states to uphold this legal principle, termed vicarious liability.
What happens if someone sues you for more than your insurance covers?
You may face a lawsuit for the uncovered amount when damages exceed your policy limits. The injured party could attempt to seize your personal assets, which may include: Savings accounts. Wages (via wage garnishment)
What happens if my son was driving my car and had an accident in Michigan?
Under Michigan law, the vehicle owner is liable for injuries caused by the negligent operation of the vehicle as long as the person driving was driving the car with the owner's permission.
Can you sue someone if you don't have car insurance?
Other states allow uninsured drivers to collect economic damages, like medical expenses and property damage, but restrict other types of compensation. For example, in California, drivers who are uninsured at the time of an accident can't get "non-economic" damages from the at-fault driver.
What happens if you don't add a driver to your insurance?
If someone in your household, who is unknown to your insurance company, gets in an accident, your insurer might rescind or cancel your policy and/or deny your insurance claim because they've been kept in the dark.
Am I responsible for someone driving my car?
Usually, a car insurance policy covers the vehicle itself, not the person driving it, and that means the liability coverage (which is required by California law) should cover the friend. California is an at-fault state, which means the driver responsible for an accident is the one whose insurance will be the primary ...
Am I insured to drive another car?
To legally drive a car that is not yours, even if it belongs to friends or a family member, you need insurance. You can get insurance as a named driver on their car insurance policy, take out temporary insurance, or you have your own car insurance policy that includes DOC.
Can I lend my car to a friend?
Your insurance becomes the primary coverage when lending the car to family members or friends. Even if the person borrowing your car has the best coverage available, your insurance covers your vehicle. However, the borrower's insurance might provide backup coverage in certain situations.
Can someone drive my car if they are not on my insurance in Georgia?
Uninsured or Underinsured Drivers
Before you allow someone else to drive your car, ask for proof of insurance. Their policy should meet Georgia's insurance requirements, which mandate drivers have at least: $25,000 per person for bodily injury. $50,000 per accident for bodily injury, and.
Does it cost more to add a driver to your insurance?
Typically, adding drivers to your policy can increase your premium. For example, there is a reason adding a teenage or newly licensed driver to an auto policy can result in an increase in insurance premiums.
How does insurance work if you borrow someone's car?
Generally, insurance coverage follows the vehicle rather than the driver. So in most instances, as long as the owner of the car has insurance, it's covered even if someone other than the owner is driving it — as long as they have the owner's permission.
Does getting pulled over in someone else's car affect their insurance?
It is highly unlikely it will affect the owner in any way, as it is tied to your personal driving record and not the vehicle itself. It won't even affect their insurance.
What happens if someone drives my car and is not on my insurance in New York?
NY Car Insurance Follows the Car
In New York, your car insurance coverage includes coverage for other drivers of your vehicle—following the car rather than the driver. This applies to collision, uninsured motorist protection, comprehensive, personal injury protection (PIP), and property damage liability insurance.