Is Auto Insurance in Michigan Mandatory?
Reader’s Question:
I have a drivers license in Michigan but my question is, do I need to get car insurance as well?
Maria
Detroit MI
According to Michigan car insurance laws, you are required to have no-fault insurance certificate in your car or carry it with you when you operate a vehicle. Failure to provide proof of car insurance when asked by a police officer will result to suspension of your drivers license. Until proof of car insurance is shown, your drivers license will remain suspended. You may also be required to prove that your car is insured for not less than 6 months and pay the fine of $50.
When you borrow a car, it is best to make sure that the car that you are driving is insured and you are listed on the policy to abide the Michigan car insurance laws. So if you live in a household with automobiles hat you occasionally or frequently drive, you will need to be listed on that policy you the coverage will be extended to you. If you so not have a car but want to be covered when you operate other people’s vehicles, you can get non owners insurance policy instead.
A non owners insurance policy provide liability protection to drivers who are at fault in an accident but do not own a car. Non-owners policies can typically include Liability, Medical Payments, and Uninsured/Underinsured Motorist coverages.
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