Is there a law in Michigan requiring parents to add 18 year olds to their auto insurance policy?
Question:
No.
But, assuming the kid is licensed, their INSURANCE COMPANY is allowed to add the kid to their policy. How do they know when you get a license? They have access to the DMV records, and run the address - and get a report that shows all licensed (or permitted) operators at an address.
So if your parents DON'T add a licensed household member, the insurance company will get really cranky. Not to mention, it would be stupid to let your kid drive if they weren't insured.
For a conclusive answer on this subject, go to the source: contact the MI Insurance Commissioner's office at 1(877)999-6442.
Not sure about Michigan but in Indiana they make you if they live in your household and have a valid drivers license unless you can show they have a different policy.
If you are considering not notifying your insurance company about your kids who have driver licenses and live in your household, don't go there. What you are doing is committing a material misrepresentation about the policy. This can allow your company to void coverage for losses under certain cases. It isn't worth the risk.
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