I Need Michigan Non Owners Car Insurance
Reader’s Question:
My boyfriend who lives in MI is purchasing a vehicle to leave in FL for me to drive. Can I buy a non-owner policy to drive this vehicle without him putting any insurance on this car in his name up in Michigan?
Jane
Ann Arbor, MI
It could be possible to insure the vehicle that your boyfriend is permitting you to drive, even it you do not have any insurable interest. Not all providers will permit this but Esurance has polices that permit for people to insure their friend’s car for comprehensive and collision coverages. This is unlike non-owners insurance policy which is basically is only liability insurance and intended for only occasional drivers of a car.
Some insurance providers, such as Esurance, require you to have care, custody and control of a car in order to be the named insured. Though a vehicle must be registered and insured in the state where the vehicle is kept which may cause difficulties due to you and the car being in FL while the owner/friend is in MI.
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