Looking for more information on this as someone who has never been a car owner or bought an insurance policy. We are moving to Michigan, and I will need access to a car for work everyday, while my partner is much more flexible in this regard. They own a car, but I don’t. When we move to the state, they will have to purchase a Michigan auto policy. Is the only way to drive their car and be properly covered for them to add me as an insured driver/give me permission to drive their car? I do have a valid MI driver’s license as well, but don’t have the means to buy a car yet, so if I can’t safely drive their car on a near daily basis, we will have to reconsider where we look for places to live. TIA
[MI, USA] Does my partner need to add me to their auto insurance policy when we move states?
byu/vic825 inInsurance
Posted by vic825
1 Comment
Not licensed in MI, but probably in most places it’s going to be a yes. Like a hard yes. If you will have regular access to the car, plan to drive the car, live together, and are licensed you will need to be a driver on the policy. Not doing this can have severe consequences. As in the carrier could and probably would drop coverage or deny a claim when they find out. It shouldn’t be hard to add you at all, and it will likely increase the cost some but that is to be expected. If you have any tickets or accidents that could make things more pricey so keep that in mind.