Everyone probably knows someone or maybe once upon a time was someone, who drove a car insured by someone else. As long as the car had insurance, it wasn’t a huge deal. That all changed for Michigan residents on June 11, 2019. Michigan No Fault changed and now it’s best to have your own policy to get medical coverage for car accidents. This means that if you have an adult child driving your car and living elsewhere, their medical coverage is NOT coming from your policy – even if your insurance company knows about them.