Who needs SR-22 insurance in Michigan?

You can get your SR-22 removed in Michigan after 3 years by notifying your insurance company, which will cancel the SR-22 filing with the state. Sometimes, the Secretary of State (SOS) will send you a notice letting you know when your SR-22 period is over.

If you’re not sure whether you’ve satisfied your SR-22 certification requirement, you can find out when you’ll be able to remove the high-risk SR-22 label from your driving record by contacting the Secretary of State (SOS). Drivers who cancel their SR-22 coverage too early risk having their license suspended or facing fines.… read full answer

Once you cancel your SR-22, your insurance premiums will likely go down because you are no longer considered as high-risk. As a result, you should get quotes from different insurance companies to make sure that you’re still getting the best deal. Additionally, if you do not own a car but were previously required to file a non-owner SR-22, you are free to cancel your insurance altogether.

You need an SR-22 in Michigan for 3 years. That means drivers must maintain at least the minimum car insurance coverage required by Michigan law for 3 years. If there is any lapse in coverage, the clock resets. Michigan mandates at least $50,000 in bodily injury liability insurance per person ($100,000 per accident), and at least $10,000 in property damage liability coverage. Michigan also requires personal injury protection and property protection insurance.… read full answer

When you get SR-22 insurance coverage in Michigan, your insurance company files your SR-22 certification with the state on your behalf. Failing to file an SR-22 can result in your vehicle registration or license being suspended, in addition to costly reinstatement fees. Your insurer also notifies the state if you cancel your policy or allow it to lapse prematurely. You’re even required to maintain an SR-22 if you move from Michigan, using an out-of-state filing.

If you’re unable to afford your payments, contact your insurance provider before you miss a due date. You can request a different payment plan or get information about subsidized plans that may be more affordable.

You need an SR-22 if a judge or your state department of motor vehicles has informed you that you do. An SR-22 form, also called a Certificate of Financial Responsibility, may be required if you are trying to reinstate or maintain your license after being convicted of certain driving violations. These include DUI/DWIs, reckless driving, driving without a license or insurance, or repeat offenses. You can only get an SR-22 form from your car insurance company. It confirms that you have an active policy with at least the minimum insurance coverage legally required in your state.… read full answer

In most cases, you’ll have to file an annual SR-22, certifying your insurance coverage, for 3 years. However, the time period can range from 2 to 5 years depending on the state and the reason for the SR-22. Also, depending on the state, this time period can start on your offense date, conviction date, license suspension date or reinstatement date. Make sure you know how long you have to maintain your SR-22. If you cancel your insurance before the time is up, your license or registration can be suspended or revoked.

Most states use the SR-22 form. Eight states don’t: Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania. Two states—Florida and Virginia—use the SR-22 but have a different form for DUI/DWI convictions, the FR-44. If you move from one state to another, you will need to maintain your SR-22 certification with your original state through an out-of-state filing, even if your new state doesn’t require SR-22s.