If your friend received a DWI in your vehicle will that affect the rates on your insurance?

Answer

I work at an Insurance Agency in Michigan, and I know in this state you're insurance would NOT go up. Insurance goes by a person's own record to determine their insurance premium on their own vehicle. If the person with DWI gets insurance, it will show on their record, which would make their insurance higher.

Answer

It may not show up on your record but it sure speaks volumes about your level of stupidity, to allow a person to drive YOUR car while drunk. What if that person had KILLED somebody, with YOUR CAR?

In that case, your insurance company would drop you like a slimy dead fish, and you would be ON YOUR OWN.

No insurance coverage, and if you were to be convicted in a civil trial, you could be working for the REST OF YOUR LIFE to pay off the trial jury's award to the dead person's kin. MILLIONS of dollars, and you would own all of the debt. You would never be able to own a house, and your kids would own the debts after you die.

First answer by graciela lopez. Last edit by Buntingj. Contributor trust: 755 [recommend contributor]. Question popularity: 47 [recommend question]