If you are sitting in the passenger seat of a vehicle, you will want to know if you are covered in the event of an accident. In Michigan which is a no fault state, the short answer is yes. Drivers are required to have what is called Personal Injury protection or PIP for short. This is meant to ensure that regardless of whose fault the accident was, you will be covered in terms of insurance. It is also a good idea to make sure that you have insurance on yourself as well just in case the person is not insured.
You don't need to have a ton of money to cover yourself, you will need to make sure that you have enough coverage to cover yourself in case you find yourself with no coverage. Medical bills can over run you and the result will be devastating especially if you are unable to work. Take the upper road and cover yourself just in case your friend does not have coverage.
Many states require that the driver have Personal Liberality Insurance, that is the law not what always happens. Many drivers think that they will be fine seeing as though they are such good drivers. The issue with this logic is that it does not take the driver of the vehicle you are in to cause an accident. The resulting medical bills can lead to you having a lot of medical bills and no way of actually paying them.
Take a few moments to consider these points when looking to get insurance on you or your vehicle. These points will be crucial in helping you to know what is and is not covered before you get int your friends vehicle. If you are smart, then you will have the information and can make a wise decision in the future based on this.