Last Updated on July 24, 2025 by The Insurance Pros
🛡️ What Is Michigan Financial Responsibility Insurance (SR-22)?
Michigan law may require you to file an SR-22, also known as Financial Responsibility Insurance, if you cause an accident while driving without insurance. This special type of coverage proves to the state that you’re insured and allows you to reinstate a suspended driver’s license.
🚦 When Is SR-22 Insurance Required in Michigan?
You may be required to carry SR-22 insurance under the following circumstances:
- You were at-fault in an accident while uninsured
- You have a judgment for unpaid damages
- Your license was suspended due to non-payment of a financial responsibility claim
🔁 What Happens If You Don’t Comply?
Failure to obtain SR-22 insurance can result in:
- License suspension or denial of reinstatement
- Additional fines and fees
- Wage garnishment or bank levies for unpaid judgments
📋 How to Reinstate Your License with SR-22
Follow these steps to meet Michigan’s financial responsibility requirements:
- File a payment agreement with the other party (if applicable)
- Purchase an SR-22 policy from an insurer authorized in Michigan
- Submit proof to:
Michigan Department of State – Action Processing Unit
7064 Crowner Drive, Lansing, MI 48918-0000
(517) 322-6406
🔍 What Type of SR-22 Policy Do You Need?
- Owner’s Policy: Covers a vehicle you own
- Operator’s Policy: Covers you for driving any non-owned vehicle
SR-22 policies are often more expensive due to the required filing and monitoring. Many drivers apply through the Michigan Automobile Insurance Placement Facility (MAIPF) for assistance.
💡 Final Notes
The SR-22 is not an insurance policy itself; it’s a form your insurer files with the state to confirm you’re covered. If you cancel or lapse your policy, the insurer will notify the state, which may suspend your license again.
