Yes, your dad is likely correct, you would need to speak to your insurance agent to find out for certain how your insurance company will deal with your move.

The insurance company would need to be informed about you and the vehicle relocating to Pennsylvania. The insurer would then say if you would be able to remain on your dad's policy however normally the answer would be no. When you move away from home, especially out of state, and thus the car is no longer garaged at the household address listed on the policy an insurance provider will usually no longer carry you and the vehicle on the current policy.

When you move away from your parent's household the risk factors change and thus they need to calculate a premium for the new risk factors. When you move out of state then normally you will need to register and insure the car in the new state, especially when the minimum auto insurance requirements are different - such as Michigan and Pennsylvania are.

There are 3 parts to the basic no-fault insurance that must be carried on a MI registered vehicle. Michigan state law requires personal injury protection (PIP) of at least $10,000; property protection (PPI) and residual bodily injury and property damage liability (BI/PD). PPI under Michigan's no-fault laws pays up to $1 million for damage a car does in MI to other people's property, such as building and fences.

Michigan requires residual liability insurance in the form of bodily injury and property damage. Your required minimum coverage no-fault policy will pay up to certain amounts if you are found legally responsible. The minimum coverage offers 20/40/10 which stands for:

• Up to $20,000 for a person who is hurt or killed in an accident,
• Up to $40,000 for each accident if several people are hurt or killed.
• Up to $10,000 for property damage in another state.

The minimum limits for car insurance in Pennsylvania 15/30/5. This is bodily injury liability of $15,000 due to injury to one person in any one accident, $30,000 for injury to two or more persons in any one accident and $5,000 for damage to property of others resulting from any one accident (property damage liability).

So if you moved to Pennsylvania and were in an accident it is likely that they would not cover the accident since you were not visiting out of state but moved and did not report this change of address for you and the vehicle. Normally insurance will conform to the limits of the state in which you drive, when you are visiting or are driving through a state, not when you have moved there for good. Not informing the insurance company of a move out of state, or properly changing your coverages over to PA insurance, would likely be taken as misrepresentation by the MI insurer. This is a form of insurance fraud and is a reason to deny insurance claims.

Your father as the car owner has vicarious liability and thus his assets could be at risk if you were in an accident that was not covered. So if you were in an accident in Pennsylvania that was not covered by insurance both you as the driver and your father as the car owner could be held liable and sued if your insurance did not accept the claim and/or if your insurance limits were too low and exceeded. The second item is a reason to make sure your liability limits are sufficiently high enough.

You may need to discuss with your dad either your name being added to the title of the vehicle or signing it over to you completely. Without your name on the title it will be more difficult because you do not have insurable interest in it. There are some insurers, such as Esurance, that will allow you to insure a car without insurable interest however it will be easier to get insurance and register the car, if the state requires you to do so, if your name is on the title.

According to the Pennsylvania Driver and Vehicle Services, all new residents with out-of-state non-commercial driver’s licenses must obtain a PA driver’s license within 60 days of establishing Pennsylvania residency. Also new residents of PA are required, according to PennDOT, to make application for Pennsylvania title and registration of their vehicle(s) within 20 days of establishing residency in Pennsylvania.