Uninsured drivers face fines, driver's license suspensions and even jail time. If there is a car accident, they cannot sue, even if they are completely injured. Driving without insurance is illegal in the state of Michigan. Not having car insurance for a vehicle you own prevents you from recovering any type of compensation if you are involved in a car accident in Michigan, even if the accident isn't your fault.
For example, if a drunk driver hits you violently and breaks your leg, you can't collect no-fault benefits or pursue the drunk driver for pain and suffering if you don't have insurance for your vehicle. Your insurance must also include property insurance protection benefits (PPI), which cover losses from property damage during a car accident. Under Michigan's no-fault law, drivers must maintain car insurance that includes personal injury protection (PIP) benefits, also known as first-person benefits, which cover economic losses, such as medical bills, lost wages, rehabilitation costs, home care expenses, and reimbursement of miles if you are injured in a car accident. If proof of insurance is not provided, the car owner is also prevented from transferring, renewing, or replacing the license plate.
If you were uninsured at the time of the fine, but you take out insurance and present proof of insurance within 14 days of the date the fine was issued, this will also help reduce the cost of the fine. If there's a car accident, they can't sue, even if they're injured and completely innocent, and they'll even have to reimburse the insurance company for the negligent driver. We've ranked the best auto insurance providers to determine which ones offer coverage that can quickly get your vehicle out of the depot. Finally, your insurance must include coverage for residual bodily injury and property damage that would apply if you were sued and held responsible in a civil lawsuit stemming from a car accident.
If you're looking for new car insurance coverage during that period of time, some insurers may deny you coverage altogether. Whether you need car insurance in a hurry to get your car out of seizure or you're looking slower, be sure to compare car insurance policies. In addition to the significant criminal and driving-related penalties described below, driving a car in Michigan without the required auto insurance has many other consequences that can have a devastating impact on your life. What this means is that the law assumes that, since he didn't have proof of insurance with him, he didn't have any insurance.
In other words, if you drive your own car or truck without insurance and if you are involved in a car accident that results in injuries to another driver, even if that other driver was negligent and caused the car accident, you still have to pay. Motorists are regularly asked to show proof of ownership, a valid driver's license, and proof of car insurance before returning the impounded vehicle. Progressive insurance is known for offering reasonable rates to high-risk drivers, including many who want to take their cars out of the depot without insurance.