Auto Insurance in Michigan For SR22

Reader question:

I am supposed to get SR22 auto insurance.  I’m not used to having insurance…which is kind of what got me into this mess in the first place, getting caught driving uninsured and stuff. So I guess I need to know more like…what insurance do I ask for?

Dillan

Detroit Michigan

Thanks for asking, Dillan.

SR22 auto insurance is no fault insurance, which makes it a little more complicated than the rest, but still not too difficult for a (belated) newcomer to understand. There are four types of no fault insurance: property damage liability, bodily injury liability, personal injury protection, and property protection. The first two cover any injuries or physical damages to the person in the other car or their property, while the second two are all about you. All are mandatory.

Personal injury protection is excellent in that, not only does it cover your medical bills, but it also pays you for any wages you lose while you are injured. As for property protection, its coverage limit is extremely high–one million dollars. Problem is that it only works in Michigan, so if you’re going to take your  SR22 coverage out of state, you might need a plan B.

Cheers,

Fashun Guadarrama.