|
Michigan Department Of Insurance
A filing is needed in
cases of unsatisfied judgments, major convictions, suspensions
and failure to have liability at the time of an accident.
SR22 Filing
The Michigan SR22 Insurance form should not be confused with the SR1 form,
which is the Traffic Accident Report Form.
Suspended Drivers License?
If your Drivers License Has Already been Suspended due to a
ticket,
DUI or DWI, You need
one.
You might Need it to prevent a Drivers License Suspension.
An Sr 22 is just evidence of "Auto Insurance"!, Coverage,
sometimes called
DUI Insurance on
specially requested state certificate, Where the Insured requires proof of Financial Responsibility compliance be issued
by the company, This is usually due to a requesting State Licensing Authority. Most
financial responsibility
requirements are the result of a Traffic Ticket for driving without the minimum required financial responsibility
or may also be required in other circumstances after a DWI or a DUI citation, certain accidents and other
traffic or drug related incidents.
MI. Required Term
The most common requirement
for Sr22 Insurance in Michigan is for 3 years.
Your requirements may vary depending on your situation so you should check with your licensing authority for your filing term and requirements.
Penalty for Failure to Maintain SR 22 Certificate
Failure to maintain an SR 22 Certificate
and auto liability coverage until your requirement period has expired may result in certain fines and your drivers license and vehicle tags and registrations being suspended.
Requirements
New York,
North Carolina, Delaware,
Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania don't require
SR-22's.
If you carry
an SR 22 in one state but move to
another, you still must complete the SR-22 filing period for your
previous place of residence, even after you have moved away. Your new
policy must have liability limits which meet the legal minimum
requirements of your former jurisdiction.
Your
rates
after a DUI or DWI can be high. Many carriers drop or assign these
customers to a 'high risk' program and raise their rates dramatically,
Rate Increases can be as much as 500%. So it is important to shop around
for a good low rate and find out what other companies, standard and non standard carriers will charge you.
What is
SR22 Insurance? The insured has requested and the Insurer has agreed and filed
the form on the insured's behalf. It is generally required after a traffic citation for Driving without the appropriate Financial Responsibility as required by law. The law requires that should the policy Expire, Cancel or Non-Renew for any reason,
the insurer must file a cancelation with the State. Should your filing period not yet be expired,
Your driving privilege will
likely be suspend for failure to comply with the requirement.
The purpose of
the filing is to prove that you are now in compliance with your Financial Responsibility Requirements. A filing is generally
needed after a driver has already been cited for driving without the minimum liability coverage. The filing will also allow your
drivers license to be reinstated after a suspension or will often prevent the suspension from occurring if filed within 30 days of an being ordered by your state.
If your Insurance SR22 Insurance Policy cancels,
lapses or expires for any reason, The Insurer is required by law to send an SR26
with the DMV notifying them that the associated insurance policy has lapsed. After an SR26 filing the state can then Suspend your drivers license
again if still required, you would likely then have to find another or the same insurer to have your
driving permission re-instated.
A Good
Traffic Attorney can often be of help and can guide you through the
court process for certain types of offences. Your counsel may advise you
obtain the necessary SR22 Insurance filings before your scheduled court date.
Drivers can
find cheap sr22 insurance after a dui and friendly
service agents nationwide.
| 
