Conviction of a DUI or DWI can lead to many things such as suspension or revocation of your license as well as higher insurance rates. One of the other things that it can lead to is the requirement to carry SR22 insurance.
What is the purpose SR22 insurance coverage?
It is a statement of proof of your financial obligation to the State due to a DUI. Since you are considered a higher risk driver, the State needs the SR22 insurance policy in order to make sure that in case something else happened you would be able to pay for it. The policy lasts around 3 years and if you have a lapse in coverage or the policy is prematurely ended then the State will be notified and your license suspended.
If you live in Michigan, then you are required to abide by the laws set by the State. Michigan is a no fault State, meaning that each persons insurance company pays for all damage and medical expenses regardless of who was at fault. This can complicate the issue a bit but the bottom line is that the policy is required if you were convicted of a DUI or DWI in the state of Michigan and is required for around three years, but it can vary.
Contact the insurance company you are with right now to see if they provide SR22 coverage. However, there are brokers and agents who specialize specifically in SR22 insurance and they might be able to give you a better deal. It is best to shop around and find out the best value. If you move out of the state then you would need to carry your policy over to the new State.
The simplest way to get multiple quotes from multiple companies is to enter your zip code at the top of this page. Our agents will find you the best policy for your needs which will save you time and frustration thus freeing up you day for all those other errands you need to take care of.