My question involves insurance law for the state of: MICHIGAN
I am an unlicensed driver in the state of MI. My friend leased a new car in her name and did the same with insurance so I have a vehicle to drive. I pay half of her monthly insurance premium on her car, pay all on the car I drive and the lease payment for her to do this for me. Since the car is insured she is not liable if anything happens right? If I am not at fault if there happens to be an accident, what happens besides me going to jail for no license? I just need some clarity to make sure I'm not pulling a fast one on my friend.