Question

Will my boyfriend be covered while driving my vehicle if he isn't listed on my policy?

My boyfriend hit a parked car with my vehicle and he's not on my insurance policy. The damage to the other car is very minor. I have a no-fault insurance policy that he isn't listed on even though we live together. Will my insurance company cover the damage?

Mar 22, 2017 Westland, MI

Answer
Neil Richardson

Mar 22, 2017

In Michigan, each driver is responsible for damage to their vehicle so the person who was hit would need to file a claim with their own insurance company. Unless your vehicle is also damaged and you want it repaired, you wouldn't need to contact your insurance company as the other driver would have to file a claim with their company anyway. You will want to exchange insurance info with the other driver but that should be the extent of your involvement.

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