I have gone everywhere I can think of, but nobody will sell me a Michigan SR22 car insurance policy. I need my license already. I need to stop stressing and just drive. What can I do? Do I have any recourse?

Julia

Excellent questions, Julia.

Worry no more. You have the guaranteed ability to get Michigan SR22 insurance if the state requires it of you, although you might not want to take advantage of their options just yet. First of all, ask yourself if you have truly looked as far and wide as you seem to think you have. You might have to talk to an insurance agent to help you out, but you should check the companies which offer high risk policies. At a somewhat higher price, these businesses will insure pretty much anyone, and it’s better than the final resort.

But if not that, then the final resort…which is to phone the Michigan Department of Insurance and ask to apply for their assigned risk statewide pool for auto insurance. You will be placed into the pool, and from their assigned completely at random to any of the licensed companies in the state, who will then have to sell you a Michigan SR22 policy–they won’t do it cheaply, though.

Cheers,

Fashun Guadarrama.