It's illegal to drive or let them drive your vehicle without car insurance. If you drive an uninsured car and you get caught, you'll face penalties even if you just borrow that car. If someone else drives your car and destroys someone else's property, the property protection insurance coverage that everyone who drives a vehicle in Michigan must carry in their vehicles will cover “accidental damage to tangible property,” which consists of physical injury or the destruction of property and the loss of use of the property so injured or destroyed. A non-homeowner's car insurance policy can protect you from financial hardship if you cause an accident while driving a borrowed car.
The consequences of driving without insurance are serious and can be completely avoided just by obtaining the right amount of liability insurance. Car insurance can be yours, you can be covered by someone else's policy, or you can buy car insurance that isn't from the owner. The car owner may also ask you to provide your own car insurance, even if you're covered by their policy, so in that case, you'll have to comply with and take out car insurance for people other than the owner. If the injuries or wrongful death caused by the car accident exceed the policy limits of your own residual bodily injury liability insurance coverage, the person to whom you lent the vehicle (and you) could also be personally liable.
Drivers who are involved in an at-fault accident without insurance may also need to take out SR-22 insurance. Like any other car insurance, you should compare the quotes of at least three insurance companies to explore your options and make sure you get the best price. Although car insurance generally depends on the car and not the driver, you may have to pay the costs if the damage exceeds the limits of the homeowner's policy. Insurance companies don't offer a one-day insurance policy, but there are better policy options to meet your short-term needs.
To buy an auto insurance policy that isn't from the owner, you'll need to talk to an agent on the phone or in person. If someone else drives your car and has a car accident, you can collect the no-fault car benefits (which would cover medical expenses related to the accident and lost wages if a person is injured too much to return to work) through your own car insurance policy. This is a special type of insurance that covers you when you drive rented or borrowed vehicles, and it's a good investment if you regularly drive someone else's car.
