SR-22 Auto Coverage in Michigan
SR-22 Auto Insurance in Michigan
Auto insurance rules in Michigan can be very strict. Michigan requires that all motor vehicles be covered by No-fault Insurance before they are allowed to be registered. Michigan drivers must purchase at least the minimum auto insurance coverage as detailed below. For some, this may also include Michigan SR-22 auto insurance.
Law enforcement officers may ask for proof of auto insurance during traffic stops and at the scene of accidents. The penalty for failure to show proof of insurance in Michigan has recently been increased to imprisonment for not more than one year, a fine of not more than $1,000, or both.
Michigan auto insurance requirements
- $20,000 - Bodily Injury or Death Per Accident
- $40,000 - Bodily Injury or Death Per Accident for More than 1 Person
- $10,000 - Property Damage in Another State
SR-22 information for Michigan
Under certain conditions, drivers who are considered high risk may be required to purchase an SR-22 auto insurance certificate. Offenses such as reckless driving, excessive tickets, DUI, refusal to test for alcohol or drugs upon lawful stop are all possible reasons a driver may be required to obtain an SR-22.
The SR-22 is not auto insurance, but rather a promise that auto insurance has been purchased, and also that it will remain in effect for a set period of time. In order for an SR-22 to be valid, it must be purchased in-state from an auto insurance company licensed in Michigan. You cannot use an SR-22 that was purchased in another state.
It is important to understand that if the SR-22 is cancelled, or if the underlying auto insurance lapses for any reason, the issuer of the SR-22 must notify Michigan DMV. This often means loss of driver's license, as well as heavy fines and fees for re-instatement.