How To Register A Car In Michigan
Reader’s Question:
What are the process in registering a vehicle in the state of Michigan?
Edward
Burton, MI
Every car must be registered before it can be driven on the public roadways. A registration lasts for 1 year and in most states, usually expired on your birthday.
In the state of Michigan when you purchase a new car, you have fifteen days to go to any Department of State branch office, present them with the proof of car ownership and proper ID, and pay any tax and titling fees to obtain your title.
Then to register your car and obtain the license plates, you have to show a valid Michigan no-fault insurance certificate for the car. If you already have your license plates and want to transfer them to your new car, just bring in your plates, proof of auto insurance is only required if you changed insurance carriers since the last renewal.
You may contact any local Michigan Department of State branch office to obtain more details regarding this. If you need an insurance quote for your new car, you may begin here.
Penalties For Driving Without Insurance in Michigan
Reader’s Question:
I know that if you get caught driving without auto insurance in Michigan you have to appear in court . I just want to know what happens in court and what should I be expecting? I live in Kalamazoo, MI.
Albert
Kalamazoo, MI
I cannot tell you exactly what to expect in court but you may want to contact the clerk of the court to check what may happen there or an attorney familiar with court procedure. I can give you information about what penalties you may be facing.
If you are unable to provide proof of insurance, therefore driving without insurance, you may be found guilty of a civil infraction. The court may order your license suspended for thirty days or until you can show proof of no-fault coverage on your car. You may also be fined up to $500, put in jail for a year or both.
Should I Add My Teenager To My Auto Insurance Policy in Michigan?
Reader’s Question:
My legal aged son has moved out of my house in Battle Creek, MI to live over at the apartment of his friend’s parents. The thing is, he hasn’t changed the address on his driver’s license and he’s currently driving their car. Another thing that’s been bothering me is he wants to buy a car and wants to insure it using my name. Any information regarding my situation would be greatly appreciated.
Mary
Battle Creek, MI
Insuring vehicles that belong to other people are allowed by some car insurance companies even if you have no “insurable interest” in it. However, I’ve never heard of any car insurance company that allows people to insure vehicles from more than one household. If a vehicle owner decides to move elsewhere with his car, like your son, moving out of Battle Creek MI, chances are, the car insurance company will not cover the vehicle’s insurance. As for your other inquiry, if your son is going to drive for his friend’s parents , they should list him as driver on their car insurance policy for them not to have the risk of getting denied car insurance services if ever he gets involved in a car accident.
18 Year Old – Young Driver Car Insurance in Michigan
Reader’s Question:
My 18 year old daughter lives at home and drives my vehicle that has full coverage. We have another vehicle with just PLPD. I’m the only person insured on them. Will my daughter be covered if she is not listed as driver? I’m in Redford, Michigan, a ‘no fault’ state. I was just thinking why I should have to list her if I’m already paying full coverage on the car and the older vehicle is insured. As long as, I pay my auto insurance and the vehicles are in my name, is it really necessary to list my teenage daughter on my policy as a driver?
Jane
Redford, MI
Right now, your cars are insured. However, they are insured for you – not your teen daughter. You will need to add your daughter as driver on your car insurance policy, or you run the risk of having your insurance company deny a claim for an accident. Insurance providers want you to list all of the household members who will be driving your cars. Insurance carriers also want you to list as drivers on your insurance policy those people who do not live with you but will be driving your cars on a regular basis. If they do not live in your household and they occasionally drive your cars, you may not have to list them to your insurance policy. The reason to add your teenage daughter (and other drivers) is it permits the insurance carrier know who will be driving your car(s) and permit them to collect the proper car insurance rate.
Physical damage coverage consists of comprehensive and collision coverage. Collision insurance generally covers damage to your car caused by collision with another object or by upset. Comprehensive insurance on the other hand covers damage to your car from vandalism, glass or theft breakage.) Most lien holders require physical damage coverage if you are leasing or financing your car. Also coverage is just that…coverage. It is not permission for a person to drive. Also, if your teen daughter is going to be driving your car(s), I suggest that you call your insurance provider in Redford MI as soon as possible to add your daughter on to your policy as a driver.
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