I am a PhD student at the University of Michigan. I have been a PhD student since September 2014. I have never had a car, and have not had auto insurance in the past 4 years. I also do not live in Michigan from May - August (I usually split my time between California and Colorado).
I am from Colorado. My parents live in Colorado. I have a Colorado license, and my permanent address has always been listed as in Colorado.
I am very confused about the auto insurance laws. I am hearing/reading conflicting information from a few insurance agents and on some Michigan lawyer's articles on their webpages.
My parents have All State insurance in Colorado. Both Colorado and 2 Michigan All State agents told me that because I am a student, and because my permanent address is in Colorado, then I can be added on to my parent's Colorado All State insurance, and that would cover me while I am in Michigan. However, from what I've read online, it appears that anyone who intends to operate a car in Michigan for more than 30 AGGREGATE days in a given year must have Michigan's no fault insurance, otherwise they'd be considered "uninsured," and this is a misdemeanor crime punishable by fine or county jail. The insurance agents told me the 30 day rule doesn't apply to students, but I'm hesitant to believe that.
So I'm concerned from two (seemingly non-related) perspectives: (1) Whether or not the Colorado insurance will cover me in Michigan in case of an accident? For this, I think I should listen to the insurance agents, who seem to imply that I would be covered?
(2) Whether or not I'm committing a crime if I do not purchase Michigan's no-fault insurance and only have Colorado insurance while I operate my vehicle in Michigan for more than 30 days? For this, I think I should listen to lawyers, who are obviously more familiar with the law than insurance agents.
Does anyone have experience or insight with this? I am quite confused.