When you need Michigan SR22 insurance, UltraCar Insurance can help. In as little as 20 minutes, we will find competitive rates for your situation, issue your SR22 certificate, and file it with the state DMV to reinstate your license and get you back on the road. We work with top-rated, high-risk auto insurance companies to offer quality policies at affordable rates.
There are two types of SR22 high-risk insurance: one for vehicle owners and another for non-owners. SR22 owner insurance is for drivers with a vehicle registered in their name, while non-owner insurance is for drivers who do not own a vehicle.
What is Michigan SR22 insurance?
Drivers must purchase Michigan SR22 insurance to reinstate their suspended license and keep the coverage current for one to three years. A licensed high-risk insurance provider endorses the SR22 certificate to an auto or non-owner insurance policy and files that certificate with the state DMV. The filing guarantees financial responsibility – you can pay for injury or property damage you may cause while operating a vehicle.
Insurance companies that write SR22 policies monitor them closely to ensure the policyholders don’t let them lapse while the state requires this coverage. The insurance company must immediately report a lapse, expiration, or cancellation of an SR22 policy to the Michigan DMV by filing an SR26 form. The SR26 filing results in license suspension.
What is Non-Owner SR22 Insurance?
EFFECTIVE FEBRUARY 2018: We do not offer non-ownership SR22 in Michigan.
Non-owner Michigan SR22 insurance is for people who want to reinstate their license but don’t own a vehicle. Secondary insurance covers the policyholder when they drive a borrowed car insured by the owner. Non-owner insurance coverage does not include household vehicles, cars you have frequent access to drive, rental vehicles, or commercial vehicles. If you have an accident in which you’re at fault while driving a borrowed car, your non-owner insurance takes effect if the vehicle owner’s insurance reaches the limits of their policy.
Minimum Liability Insurance Coverage Requirements Michigan:
This is the minimum liability insurance coverage the state requires, but you can add other coverage options to your policy.
- $20,000 bodily injury per accident
- $40,000 bodily injury liability for all injuries in an accident
- $10,000 in property damage in one accident
Michigan DMV
You’ll find more details about SR22 in Michigan on the Michigan DMV Website.
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UltraCar Insurance in Michigan
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This article was last updated on April 11th, 2024 by UltraCar Insurance
