In the State of Michigan, if a driver is under an unsatisfied judgment, The Financial Responsibility Law requires him or her to carry SR22 insurance until the judgment is paid in full.
Unlike many other states, Michigan does not require SR22 insurance after a drunk driving charge (DUI / DWI / OWI / OWVI / OUI). However, if you live in Michigan, but you get caught drinking and driving in another state, you may have to file an SR22 insurance certificate in that state.
If you do have an SR22 requirement in Michigan, and you do not own a vehicle, you will need to purchase non-owner SR22 insurance. A non-owner SR22 insurance policy protects other drivers and their vehicles in the event of a future accident. A non-owner policy does not protect the person named on the policy or the vehicle he or she is driving.
Michigan non-owner SR22 insurance must be provided by an insurance carrier authorized to do business in Michigan.
Non-owner SR22 insurance can be expensive, so it is important to compare the most competitive rates available before committing to one insurance company. You can begin that process by entering your Michigan zip code here:
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