🛡️ What Is Michigan Financial Responsibility Insurance (SR-22)?
🚦 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.