Michigan SR22 Insurance

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Michigan SR22 Insurance Guide

SR22 Insurance Overview

What is Michigan SR22 Insurance?

A Michigan SR22 car insurance form, also called a financial responsibility insurance certificate, is proof of your financial responsibility to carry the minimum car insurance required by the state.

Who Needs SR22 Insurance in Michigan?

Michigan SR22 car insurance must be carried by motorists whose drivers’ licenses were suspended or revoked due to driving or being involved in an accident while uninsured and failing to pay compensatory damages; drivers with unsatisfied judgments; or drivers with seven or more points on their driving record.

Are There Different Types of Michigan SR22 Forms?

Yes. There are three types of Michigan SR22 insurance coverage. Operator’s SR22 insurance covers financial responsibility for drivers who operate but do not own a vehicle. Owner’s SR22 insurance covers financial responsibility for drivers who own and operate a vehicle. Operator’s-Owner’s Certificate insurance covers financial responsibility for all vehicles a driver owns or does not own.

Is SR22 Car Insurance Required in Michigan?

Drivers in Michigan must carry liability insurance or file a SR22 form with the Michigan Secretary of State. Failure to file a SR22 results in a $500 fine and suspension of your driver’s license and registration if stopped by an officer during a traffic stop or accident.

How Do I File an Michigan SR22 Insurance Form?

Your insurance company can file an SR22 with the Michigan Secretary of State. You will have to pay a processing fee, which varies among agencies. You can go (here) to request a quote from state-authorized agencies in your area. You should receive an SR22 from your insurer, along with a letter from the MI Secretary of State, within two to four weeks. You must maintain the SR22 for three years. If you fail to renew your SR22 at least 15 days before expiration, your insurer is required to notify the state of Michigan.