When your driver’s license is suspended, you must get SR22 insurance Michigan, which is high-risk auto insurance, to reinstate it. An SR22 is not an insurance policy but an auto or non-owner insurance policy endorsement. To complete the license reinstatement process, your insurance provider files the certificate with the Michigan Secretary of State’s office.
The insurance company that issues your SR22 policy monitors it to ensure you maintain it for the time the state requires. SR22 is a financial responsibility form that guarantees future insurance coverage. Most people who need SR22 insurance must carry it for three years. The insurance company notifies the state if your policy lapses or if you cancel the coverage by filing an SR26 form with the state. The result is another license suspension or revocation.
Reasons for license suspension requiring SR22 insurance Michigan:
- Refusal to submit a breath or blood alcohol test
- DUI or DWI offenses
- Uninsured accidents
- Multiple points against your DMV record
- Child support or neglect cases
- Legal judgments
Detailed information about license restoration and Road to Restoration Clinics for those with DUI license suspensions are available on the Michigan Department of State website.
If you want to reinstate your driver’s license but don’t own a vehicle, you’ll need to purchase a non owner SR22 insurance Michigan certificate. NOTE: As of February 2018, we do not offer non-owner SR22 in Michigan.
Related topics:
- How insurance companies determine SR22 insurance costs
- How to get lower insurance rates
- SR22 DUI Insurance
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