Auto insurance follows the vehicle in Michigan. Anyone who is licensed in the state can operate your vehicle. The one caveat is you must permit them to use your car. Permissive use means that the driver's losses are covered if an accident occurs. Suppose you let your cousin, who does not reside with you, drive your vehicle to run an errand. Unfortunately, on their way to the store, they get into a collision. Under permissive use, the damage to your vehicle will be covered, provided you carry collision coverage on your policy.  If your cousin is injured in the accident, the PIP on their own auto insurance policy will cover their medical costs.