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Insurance Coverage

What happens if I’m in a car accident while driving another person’s car in Michigan?

Attorneys can explain whose auto insurance will cover your No-Fault benefits

Our auto accident attorneys are frequently called on to help drivers better understand what happens in a No-Fault accident when someone is driving another person’s car and they get in a serious crash.

If you’re involved in a car accident while driving a car that’s owned by another individual, it’s best to first speak with an auto accident attorney to ensure your legal rights are protected. Call Michigan Auto Law at (800) 777-0028.

To summarize, in a scenario where you borrow another person’s car and have an accident, the order of priority for No-Fault insurers would be as follows:

  • You would claim No-Fault benefits through the policy on which you are the named insured.
  • You would claim No-Fault benefits through your spouse’s policy.
  • You would claim No-Fault benefits through the policy of a resident relative.
  • You would claim No-Fault benefits through the Michigan Assigned Claims Plan if coverage is not available through any of the sources above. (Sources: MCL 500.3114(1) and (4))

Related Articles:

Can Someone Else Drive My Car and Be Covered On My Insurance?

What Happens If A Friend Wrecked My Car, Are They Covered?

If you’re unclear about your eligibility for No-Fault insurance benefits, one of our car accident attorneys would be happy to speak with you at no charge. Call (800) 777-0028 or fill out our consultation form.