Driving With Expired Auto Insurance Michigan – What Happens?
Reader’s Question:
What will happen if I get pulled over with an expired insurance in St. Clair Shores City, Michigan?
Paula
St. Clair Shores, MI
Hi, Paula! If you get pulled over with an expired car insurance in St. Clair Shores City, MI, you would likely be cited for either driving without insurance or not showing proof of insurance.
If you were insured at the time of the ticket, but you do not have the current insurance card on you, then you must show proof of this to the court and pay an administrative fee to have the ticket dismissed. To be sure, just contact the court listed on your citation to see what penalties you could be facing.
Michigan residents who own passenger vehicles, light trucks and vans must have a Michigan no-fault insurance before registering their vehicle, according to the Michigan Secretary of State (SOS). Michigan decrees necessitate that you keep your no-fault insurance certificate and carry it with you whenever you go driving. And if you’re unable to show proof of insurance to a police officer, the court may order the Secretary of State to suspend your driver’s license. Also, your vehicle’s license plate will not be renewed, transferred or replaced until you can provide proof of insurance. A $500 fine plus a jail term is also possible if you get convicted of driving without the mandatory MI car insurance.
But these are just a few of the possible penalties for driving with an expired insurance. So to be doubly sure, I suggest that you contact the court listed on your ticket to find out more about your specific situation and what penalties you may be facing in court.
Tags: auto insurance, driving without insurance
Penalties For Driving Without Insurance in Michigan
Reader’s Question:
I know that if you get caught driving without auto insurance in Michigan you have to appear in court . I just want to know what happens in court and what should I be expecting? I live in Kalamazoo, MI.
Albert
Kalamazoo, MI
I cannot tell you exactly what to expect in court but you may want to contact the clerk of the court to check what may happen there or an attorney familiar with court procedure. I can give you information about what penalties you may be facing.
If you are unable to provide proof of insurance, therefore driving without insurance, you may be found guilty of a civil infraction. The court may order your license suspended for thirty days or until you can show proof of no-fault coverage on your car. You may also be fined up to $500, put in jail for a year or both.
Non Owner Auto Insurance in Michigan
Reader’s Question:
Are you required to carry some type of car insurance in the state of Michigan if you have a driver license, even if you don’t own a vehicle? Is that what non-owner insurance is?
Rachel
Flint, MI
The Michigan Secretary of State states that the owners of passenger vehicles, vans, and light trucks must purchase Michigan no-fault insurance before registering their car. Out-of-state insurance policies can’t be used to meet Michigan insurance requirements for registering a car.
You are required by the Michigan law to keep your Michigan no-fault insurance certificate in your car or carry it with you when you operate a vehicle. If you can’t show proof of insurance to a police officer, the court may order the Secretary of State to suspend your driver license. Until proof of insurance is provided, the Secretary of State will not renew, transfer, or replace your car’s license plate. You may be required to show proof that the vehicle is insured for not less than 6 months and pay $50, plus any other fees required by Michigan law. The license plate may also be canceled if proof of insurance is not shown.
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