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My Family is Visiting from Out of State. How Do We Get Medical Coverage?

Living in Michigan, we understand the importance of having comprehensive auto insurance coverage, especially in unforeseen circumstances. As a no-fault insurance state, Michigan's laws can sometimes present unique challenges, particularly for visitors and non-residents.

Recently, we encountered a heartbreaking scenario involving one of our clients. Their daughter, who was visiting Michigan, was involved in a tragic accident while driving their vehicle. Unfortunately, the accident resulted in the loss of her mother and left her injured. Due to the daughter not being a Michigan resident, the medical coverage available through her parents' auto policy did not extend to her.

This situation highlights a critical aspect of Michigan's no-fault insurance system: medical coverage is tied to the policyholder and household members. When non-residents drive vehicles registered in Michigan, they are not be covered under the same policy terms.

What Can Non-Residents Do for Coverage?

One viable option for non-residents visiting Michigan and needing auto insurance coverage is to consider renting a vehicle within the state. Most rental car companies offer insurance options that can be purchased directly at the time of rental. This insurance can provide crucial coverage for medical expenses and liability protection while driving in Michigan.

Here’s why this can be a practical solution:

  1. Immediate Coverage: Rental car insurance can be activated instantly, ensuring that non-residents have immediate access to necessary medical coverage if an accident occurs.
  2. Comprehensive Protection: These policies often cover not only medical expenses but also liability for damages to others and property.
  3. Peace of Mind: Knowing you have adequate insurance can alleviate stress during what is already a challenging time.

While we always recommend reviewing your individual insurance needs with a licensed agent, opting for rental car insurance while visiting Michigan can offer a straightforward solution to potential coverage gaps.

Navigating insurance laws, especially in a state like Michigan, requires expertise and careful consideration. If you have questions about your auto insurance coverage or need assistance in understanding how Michigan's no-fault laws apply to your situation, please don’t hesitate to reach out to us. We are here to ensure you and your loved ones are adequately protected.

At Rathbun Insurance, we are committed to providing clarity and peace of mind through informed insurance solutions. Contact us today to discuss your insurance needs.