What Is Michigan SR22 Insurance?

SR-22s (often called “Michigan SR22 insurance“) are often needed for people who’ve had their permits stopped because of driving without insurance, DUIs, or other serious violations.
Since SR-22s (and the similar FR-44) could be puzzling, we’ve provided answers to some of the very commonly requested issues relating to this financial responsibility requirement.

What’s an SR-22?

An SR-22 is a document of economic responsibility that assures that you’re meeting your state’s vehicle insurance requirements. You are generally required to maintain an sr22 for a specific amount of time… 3 years is pretty common.

Who needs an SR-22?
You may need an sr22 if:

– You’re convicted of a DUI/DWI.
– You are discovered to be operating while uninsured.
– You’re associated with a critical injury-causing accident.
– You have a sizable number of details on your driving record.

Frequently, an SR-22 is required for reinstatement of a halted or revoked license. Your state’s Department of Insurance may advise you if you need to file an SR-22.

Is an SR-22 a kind of car insurance?
SR-22s tend to be referred to as “SR22 insurance.” However, this can be a tiny misnomer, since they are certainly not a kind of insurance. SR-22 is more effectively described as a type of proof insurance.

Just how do I get an SR-22?
Since SR-22s are generally related to critical violations, purchasing and filing an SR-22 is not as easy as sending a standard evidence of car insurance to your DMV.
You’ll first have to contact your vehicle insurance company to inform them of your need for an SR-22 certificate of economic responsibility. Note that an SR-22 necessity will typically change your insurance rates and you will reclassified as a high risk driver. If you current auto insurance company doesn’t offer sr22 insurance you may need to shop around or call an agency like ours.

Once you have found a company to insure you, you will need to make sure your sr22 is filed with the correct government department. You cannot file an SR-22 on your own.
An SR-22 is meant to be licensed evidence that you have an active auto insurance policy that meets the state’s requirements.  To guarantee authenticity, the SR-22 must come straight from the vehicle insurance provider.

Ready for a FREE Michigan SR22 Insurance Quote? Call (586) 789-9722

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