SR22 Insurance Michigan

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SR22 Insurance Michigan

SR22 Insurance Michigan

SR22 insurance Michigan is a financial responsibility certificate that has to be filed with the state if you want to drive after a license suspension. The state has an interest in making sure high risk drivers are insured, without fail. The SR22 is a way of ensuring that people driving with a restricted license stay insured during the time their license is suspended.

If your driver’s license has been suspended, you’ll need to buy a special insurance called SR22 insurance Michigan to reinstate your license. An SR22 is actually a certificate that’s attached as a rider to your auto insurance policy. To start the license reinstatement process, your insurance provider files the certificate with the Michigan Secretary of State’s office.

Your certificate is monitored to ensure that you maintain the policy without interruption during the time it’s required. This is because your financial responsibility form is a guarantee of future insurance coverage. SR22 insurance Michigan must usually be carried for three years. Your insurance provider is responsible for notifying the state if your policy lapses or is canceled. If that happens, an SR26 form is filed with the state, and your license will be suspended or revoked.

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

Detailed information about losing your privilege to drive and getting your license back can be found on the Michigan Secretary of State website.

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This article was last updated on April 1st, 2019 by