Whether insurance follows the driver or car in Michigan depends on your car insurance policy. For example, no-fault insurance coverage will follow the driver, but it can also follow the car, depending on the policy language. Although not required, other types of coverage, such as uninsured, underinsured, and liability insurance, can follow both the car and the driver.
Will My No-Fault Insurance Follow The Car Or Driver?
If you are driving someone else’s vehicle and are injured in a crash, your no-fault insurance benefits will cover your medical expenses and lost wages, assuming you are the named insured in your personal protection insurance policy.
If you do not have your own policy and are injured in a car crash while driving someone else’s vehicle, then the insurance will follow the car. You will receive no-fault insurance benefits under the auto insurance policy for your spouse or a relative who lives in your home.
Does Liability Insurance Follow The Car or Driver?
Under these circumstances, you may have coverage through your policy and the policy that covers the vehicle. If you are driving someone else’s car and cause a collision that results in injury or death to someone else, you will likely have liability coverage through your car insurance and under the policy that covers the vehicle you were driving at the time of the crash. The terms of your policy and the policy covering the vehicle determine whether your insurance or the insurance on the car is “primary,” meaning the first to pay. In other words, the primary insurer pays before the secondary insurer’s duty to pay is triggered.
How Does My Uninsured/Underinsured Motorist Coverage Insurance Work?
If you are injured in a car accident while driving someone else’s car or truck that is caused by someone else who does not have insurance or is underinsured, you can make a claim under your policy for Uninsured (UM) or Underinsured (UIM) benefits), assuming you have such coverage. The terms of your policy and the policy covering the vehicle you were driving at the time of the accident determine whether your UM/UIM coverage or the coverage on the car is primary. As explained above, the primary insurer must pay first before the secondary insurance kicks in.
Contact Atnip & Associates, PLLC Today
At Atnip & Associates, PLLC, we understand insurance coverage can be confusing. We can answer your questions when we assist with all aspects of your car accident case. We proudly provide legal representation and protect the rights of everyday people who are victims of injuries and accidents. If you are involved in an accident, we can help you communicate with insurance companies and seek the compensation you deserve. Let a skilled and knowledgeable personal injury attorney help you in the aftermath of an accident. Contact us today to speak to one of our personal injury lawyers in a free consultation.
