SR22 Insurance Michigan

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SR22 Insurance Michigan

Are you ready to reinstate your Michigan driver's license?

SR22 insurance Michigan is a financial responsibility certificate you must file with the state if you want to restore your driving privileges after a license suspension. The state has an interest in making sure high risk drivers carry minimum liability insurance, without fail. The SR22 is a way of ensuring that people driving with a restricted license maintain the required insurance for a specific time.

If you have a driver’s license suspension, you’ll need to get high-risk auto insurance – SR22 insurance Michigan – to reinstate it. An SR22 is not an insurance policy, but an endorsement to an auto or non-owner insurance policy. 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. This is because your financial responsibility form is a guarantee of future insurance coverage. Most people who require 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

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: Effective February 2018, UltraCar Insurance does not offer non owner SR22 in Michigan.

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.

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Get fast, affordable Michigan SR22 quotes from UltraCar Insurance, a leading company for your high risk insurance needs. We value your business and are ready to help. Start a quote now or give us a call today!

This article was last updated on July 19th, 2023 by