You cannot register a car without insurance in Michigan, since proof of insurance is required at the time of registration. In Michigan, you are required to have $50,000 in bodily injury liability coverage (up to $100,000 per accident), along with $10,000 in property damage liability insurance. Personal injury protection and property protection insurance are also mandatory for most Michigan drivers.
To register a car in Michigan, you need the following documentation:
Proof of insurance
Vehicle identification number (VIN)
Proof of identity
Cash, a check, a money order, a debit card, or a credit card (Discover, Mastercard or Visa) to pay the vehicle registration fee
You have 15 days from the date of purchase to register a vehicle in the state of Michigan. In addition, the penalties for driving without insurance in Michigan can be steep, so you should make sure to get insurance right away and have proof of coverage at all times.
Yes, Michigan is a no-fault state for car insurance. In the event of an auto accident, a Michigan driver’s no-fault personal injury protection (PIP) insurance pays for his or her own medical expenses, lost wages and at-home services like cleaning or laundry. It does not matter who caused the accident, unlike in fault states, where the at-fault driver must pay for the other party’s expenses.… read full answer
Minimum Limits Required By Michigan Insurance Laws
Bodily injury liability: $50,000 per person / $100,000 per accident
Michigan No-Fault Restrictions on Car Accident Lawsuits
Each no-fault state has its own rules for when you can sue an at-fault driver after an accident. Currently, Michigan is one of the strictest no-fault states in the country, only allowing you to sue the at-fault driver under very limited circumstances.
When You Can Sue According to Michigan No-Fault Laws
If the accident is in Michigan and causes death, serious injury, or permanent disfigurement
If a Michigan driver is involved in an accident in another state
If a Michigan driver is in an accident within the state involving a non-resident driving a car not registered in Michigan
If the at-fault driver is sued, their liability policy will pay up to its limits. If the court awards more than their limits, they will be personally responsible for paying the amount not covered.
The answer is usually no since there are only eight states that allow you to register your car in a different state than your license. In those eight states, the only requirement is that you can prove residency in the state where you register your car. You are not obligated to register with one state over the other, and in some states, you can even have dual registration. But it’s important to know what different states require so you can be sure you’re following the law.… read full answer
States Where Your License and Car Registration Don't Have to Match
In all the remaining states, however, it’s a little trickier. If you’re permanently moving to one of the remaining states, you’re required to get a new driver’s license as well as new registration for your car. So your license and registration need to match each other.
But if you’re only in town temporarily, you might still need to reregister your car – while keeping your current driver’s license. In that case, your license and registration would not match. The laws vary, but some drivers who plan to stay in a state for as little as a month may need to register for a “non-resident” permit instead.
Either way, you need to address your registration within 10-90 days of arriving in one of these states, even if you don’t plan to stay there. You might be tempted to procrastinate or keep your old registration until it expires. However, leaving your car registered in a state where you don’t live (anymore) is illegal in most situations. You risk a fine, license suspension, and denied insurance coverage if you get in an accident.
When and How to Register Your Car in a New State
Check your state’s laws to find out how much time you have to register your car. When you go to register, bring your driver’s license, proof of insurance, and your vehicle’s title. Some states require proof of residency (such as a copy of your lease, bank statement, or a utility bill) or further proof of identity (like a passport or military ID). Verify your state’s requirements beforehand to make sure you bring all the necessary documents. And don’t forget to bring your car - it will need to be inspected, too.
You’ll pay a registration fee for your car, as well as any state taxes. Later, you’ll get your new license plate(s), proof of registration, and registration stickers in the mail.
You can get car insurance without a license from some small local insurers. To get car insurance without a license you need to exclude yourself as a driver on the policy and list a licensed family member, friend, or caretaker as the primary driver. It’s possible, with some effort, to insure your car so someone else can drive it.… read full answer
How to Get Car Insurance Without a License
1. Contact regional insurance companies or a local independent agent.
Focusing on smaller companies will give you the best chance of finding coverage as an unlicensed driver. Most national companies will not insure you without a license. The risk is too high, in their eyes, that you will drive the car yourself.
2. List yourself as an excluded driver on the policy.
This is a legal statement that, as an unlicensed driver, you are not going to drive the car. Note that if you do drive illegally and get into an accident, the insurance company will not cover any claims. If you get or regain your license while the car is insured, you must notify your insurance company and provide your new license number before you are legally insured on the policy.
3. List the person who will operate the vehicle the most as the primary driver on the policy.
This can be a spouse, family member, roommate, caretaker or friend. They may live with you or not. They must, of course, have a valid driver’s license.
4. List the primary driver on your registration as part-owner.
Try this step if you can’t find any company that will insure the car for you without a license. There should be no trouble insuring the car with a licensed driver listed as co-owner.
Why You Might Need Car Insurance Without a License
Your license is suspended and you need to file an SR-22 or FR-44 to reinstate it
You only have a learner’s permit
You are insuring a collectible vehicle that you won’t drive
You own a car that is driven by a caregiver or chauffeur
You need to co-sign a policy for an underage driver
If no one is going to drive the car, but you want to protect it against accidental damage while it’s stored, you have the option of purchasing comprehensive-only or parked-car coverage. You will have to cancel your registration and turn in your plates to do this, but it is cheaper than buying a policy that also offers liability coverage. This type of insurance is offered by many national firms such as Allstate and State Farm.
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