SR-22 in Michigan.

Few of us think about what constitutes the right to drive a car.

Naturally, first of all - this is our right. The right giving freedom of movement. The right to move anywhere and anyway without being dependent on other people. And a magical feeling of driving. After all, you are familiar with this feeling when the motor responds to the start button and its quiet rumbling captivates with the promise of an incredible trip.

The only problem is that over time, our admiration is replaced by confidence. Which, in turn, is transformed into self-confidence. And now, we no longer pay attention to things that scared us yesterday. And the car turns only into a means of transportation.

With experience, the dangers that compelled us to be cautious and respectful of movement and the vehicle are blurred. And at a certain moment, it begins to seem that our skills have turned into reflexes, and we can afford everything. Even a few extra glasses before the drive.

The law is harsh and, as it seems to many, unfair. But, as practice shows, it is not a whim of the state. It is aimed at protecting us from our mistakes. In the United States, as in Michigan, driving offenses have very serious consequences.

On the other hand, the beauty of the system is that it leaves a second chance. And, conditionally, in the State of Great Lakes, as in many others, this chance is hidden behind the abbreviation SR-22.

SR-22 is additional proof of your financial ability, which is submitted in the form of an additional insurance policy and an integral part of the basic insurance.

In Michigan, you will need this form if you were delayed while DUI if your driver’s license was canceled or suspended, if you were involved in a traffic accident with an unreimbursed loss, or if your driving record has more than seven points.

Michigan financial law provides for three types of SR-22. Operator’s SR22 - a form for persons who drive a vehicle but do not own it. The second type applies to owners and their cars. And, the Operator’s-Owner’s Certificate insurance applies to all vehicles that a person drives, regardless of their form of ownership.

Depending on the circumstances, you will need to file an SR-22 with the Michigan Secretary of State. Significant support in this may be provided by the insurance company. These actions require payment of a fee, which will vary depending on the circumstances. As well as the cost of the form itself, which is calculated based on many factors.

The obligation to own the SR-22 remains for three years. In this case, you must update the document at least 15 days before the expiration of the previous one. Otherwise, your insurance will inform the government. And this can significantly complicate your life.

Reassessing your strengths and ignoring the law are some of the most significant mistakes you can make. Needless to say, true wisdom is not to bravely correct their consequences but to not commit them.

Enter your ZIP Code

to get insurance quotes in your area

Articles