Driving Without Auto Insurance in Michigan is Against the Law and Puts You at Risk
Much like paying taxes, purchasing auto insurance is something we have to do. Michigan’s auto insurance law requires all drivers to have no-fault automobile insurance. This is a core requirement of our state’s no-fault system. Grand Rapids Attorney Tom Sinas recently discussed, on Fox 17’s “Know the Law,” what drivers need to know about car insurance and the serious consequences of going without.
Who Needs Auto Insurance in Michigan?
Michigan law requires vehicle owners and registrants to carry specific types of auto insurance while driving on public roads. This applies to residents as well as non-residents who plan to drive their vehicles in Michigan for more than 30 days in a calendar year.
What Auto Insurance Must You Carry?
Michigan law requires three types of auto insurance:
- No-Fault Benefits – Includes coverage for medical expenses and lost wages after a crash.
- Property Protection Insurance (PPI) – Covers damage your vehicle causes to buildings or stationary property within Michigan.
- Residual Liability Insurance – Protects you if you are at fault in an accident that injures another person or damages their property.
The law doesn’t require collision coverage (which covers repairs to your own vehicle), although lenders or leasing companies often require this type of coverage.
What About Optional Coverages?
Optional coverages can provide valuable protection and peace of mind. These coverages are often very affordable and can protect you from major out-of-pocket expenses in the event of a serious crash.
Two of the most important are:
- Collision & Comprehensive Coverage – Protects the investment in your vehicle.
- Uninsured and Underinsured Motorist Coverage – Covers your losses if a driver without insurance or with too little coverage hits you.
Penalties for Driving Without Auto Insurance
Driving without the legally required insurance in Michigan is a misdemeanor offense and carries serious consequences:
- Criminal penalties – This includes financial fines and up to one year in jail.
- License suspension – Your license can be suspended for up to 30 days or until you prove insurance coverage to the Secretary of State.
- Civil consequences – If you’re in a crash and uninsured, you may be held personally responsible for all damages. You’ll also be barred from receiving no-fault benefits, even if you weren’t at fault.
These penalties apply not only to vehicle owners but also to drivers who knowingly operate an uninsured vehicle.
Resources and Support
While motor vehicle insurance laws can feel tedious, understanding them is essential. Tom Sinas reminds us that informing yourself — and purchasing the proper insurance — protects you, your passengers, your finances, and your future.
For more information about Michigan’s auto insurance laws, or for help understanding your rights after a crash, visit sinasdramis.com or call 888.758.0031. We also offer free personal injury consultations — simply complete a request form.