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.)
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